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All Journal SELODANG MAYANG JUDICIOUS: Journal of Management Ekasakti Jurnal Penelitian dan Pengabdian (EJPP) Matua Jurnal Jurnal Manajemen Journal of Community Service Zadama: Jurnal Pengabdian Masyarakat Ekasakti Matua Jurnal Manajemen Ekasakti Pareso Jurnal Akuntansi Journal of Global Economic Research Jurnal Riset & Sains Ekonomi Jurnal Riset Akuntansi
Rice Haryati
Program Studi Manajemen, Fakultas Ekonomi, Universitas Ekasakti, Padang
Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Nursing Public Health Social Sciences Transportation Other

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HOUSEHOLD AND BUSINESS FINANCIAL MANAGEMENT TRAINING FOR FISHING COMMUNITIES Teti Chandrayanti; Novi yanti; Danyl Mallisza; Rice haryati; Delvianti, Delvianti; Salfadri, Salfadri; Yulia Syafitri; Rizka Hadya; Yulistia, Yulistia; Yuli Ardiany; Rina Asmeri; Andre Bustari
Journal of Community Service Vol 8 No 1 (2026): JCS, June 2026
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56670/jcs.v8i1.447

Abstract

Fishing communities frequently face financial instability caused by fluctuating income cycles that are highly dependent on natural conditions and fishing seasons. The core problem is not the absence of income, but the lack of understanding and skill in managing cash flow, the absence of separation between business capital and household finances, and heavy reliance on informal moneylenders during the off-season (masa paceklik). This Community Service Program (PKM) aimed to provide practical financial-management education and training for the Balik Saiyo Fishing Group in Kelurahan Teluk Kabung Tengah, Bungus Teluk Kabung, Padang City. The activity involved 40 participants, consisting of 15 lecturers as facilitators and 25 members of the fishing community and coastal families as the main target group. The method combined interactive socialization, training in simple daily cash recording, and the introduction of an income-allocation pattern together with an emergency-fund strategy. Program success was assessed qualitatively through facilitator observation and participant feedback during practice and discussion sessions. The results show an improved understanding among participants in separating working capital from consumption needs, in applying a 40%-30%-20%-10% cash-allocation scheme, and in building the habit of saving to face the off-season.
Co-Authors Agus Sutardjo Agus Sutardjo Agus Sutarjo Agussalim M Agussalim M Aidil Putra Akileus Tasirilotik Andre Bustari Anggraini, Muthia Ardiany, Yuli Arifah, Agitya Azariah, Azariah Bakkareng Bakkareng, Bakkareng Belviyanto, Ridho Bunga Lestari Chris Tawaqal Cici Defrianti Danyl Mallisza Debfriyan Gunawan Dedi Eka Putra Delori Nanci Meyla Delvianti Delvianti Delvianti Dica Lady Silvera Dina Adawiyah Dona Willya Dwi Anggraeni, Meri Esi Kartika Dwi Putri Ethika Ethika Fachry Abda El Rahman Febri Harisandi Felfa Hendramawati Harefa, Sesuaikan Hozra Afrizoni Intan Marsedes mj Jeki Maulana Jhon Rinaldo Jusmita Weriza Kanaya Tabitha Khairullah, Khairullah Lirda, Mirna M, Herik Nelson M. Andre Vernandes Maivalinda, Maivalinda Maliza, Nofia Meliati Anugrah Meliati Anugrah Meri Dwi Anggraeni Meri Dwi Anggraini Meri Yani Meri Yani MUHAMMAD TAUFIK Murni Hayati Nanda, Nesa Putri Nofriadi, Jendri Nova Begawati Novi Yanti Novi Yanti Novi yanti, Novi yanti NOVIYANTI Nurmaya Sari Putri, Sandra Indriani Rajaf, Suvikri Rajaurrahmah Resawati Dwiyanto Rina Asmeri, Rina Rizka Hadya Salfadri, Salfadri Sari, Rita Purnama Sari, Rossy Anita Dwi Sefriyan Riefky Shervina Zatalini Silvera, Dica Lady Siska Vebrianis Sofa, Yunarti Indra Sri Lismawati Srihasnita, Rita Srikandi, Lita Meilinda Suci Sri Rahmadhani Sulistianingsih, Henny Sunreni Sunreni, Sunreni Susi Yuliastanty Suyanda, Suyanda Syaf Tri Yulandra Syamsiar, Syamsiar Teti Chandrayanti Tifani Ratu Firdaus Tisa Serly Bonefa Tomi Saputra Vanessa Olda Vanessa Olda Wega Defrinadi Putri mj Wilda Afriany Yani, Meri Yohana Yunita Satepuk Yuli Ayu Putri, Sri Yulia Syafitri YULIA SYAFITRI Yulistia Yulistia Yulistia Yulistia Zakani