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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MANAZHIM Al-Kharaj: Journal of Islamic Economic and Business Jurnal Akuntansi dan Keuangan Syariah - ALIANSI JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian IIJSE Dharma Bakti
Sulkiah
Fakultas Ekonomi Universitas Gunung Rinjani, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Social Sciences Veterinary Other

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Integrasi Praktik Pengelolaan Keuangan Harian sebagai Strategi Penguatan Ketahanan Ekonomi Keluarga Rentan Sulkiah
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 2 No. 1 (2026): Membangun Ketahanan Komunitas melalui Edukasi dan Pemberdayaan Berkelanjutan
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/dharmabakti.pq6hkg73

Abstract

Ketidakstabilan ekonomi global dalam dua dekade terakhir telah meningkatkan kerentanan ekonomi rumah tangga, terutama pada kelompok berpendapatan rendah yang memiliki keterbatasan dalam perencanaan dan pengelolaan keuangan sehari-hari. Kondisi ini menegaskan urgensi intervensi literasi keuangan yang tidak hanya bersifat konseptual, tetapi juga aplikatif dan berkelanjutan. Artikel ini bertujuan untuk meningkatkan kemampuan pengelolaan keuangan rumah tangga keluarga rentan melalui edukasi literasi keuangan berbasis praktik pencatatan sederhana dan simulasi pengambilan keputusan finansial. Kegiatan pengabdian dilaksanakan menggunakan pendekatan Sequential Explanatory Mixed Methods, dengan tahapan asesmen awal kondisi keuangan rumah tangga, implementasi edukasi literasi keuangan berbasis praktik, serta evaluasi pasca-edukasi untuk menilai keberlanjutan perubahan perilaku. Sasaran kegiatan adalah keluarga rentan dengan karakteristik pendapatan tidak tetap dan minim pengalaman pencatatan keuangan. Hasil menunjukkan bahwa program mampu mendorong adopsi praktik pengelolaan keuangan harian serta perubahan cara pandang keluarga terhadap keuangan sebagai alat refleksi dan pengendalian ekonomi. Temuan kualitatif mengungkap peningkatan kesadaran pola pengeluaran, disiplin belanja, dan rasa percaya diri finansial, meskipun keberlanjutan praktik dipengaruhi oleh faktor waktu, kebiasaan lama, dan tekanan kebutuhan mendesak. Secara keseluruhan, kegiatan ini berdampak positif terhadap penguatan kapasitas ekonomi keluarga dan berpotensi meningkatkan ketahanan ekonomi rumah tangga dalam jangka panjang. Program ini terbukti efektif, relevan untuk direplikasi di konteks serupa, dan memiliki prospek keberlanjutan melalui integrasi dengan program pemberdayaan dan kebijakan perlindungan sosial
Model Edukasi Mitigasi Bencana Berbasis Komunitas dalam Kerangka Community-Based Disaster Risk Reduction untuk Meningkatkan Kesiapsiagaan Sosial Lalu Ibrohim Burhan; Sulkiah
Jurnal Pengabdian Masyarakat dan Inovasi Teknologi Tepat Guna Vol. 2 No. 1 (2026): Membangun Ketahanan Komunitas melalui Edukasi dan Pemberdayaan Berkelanjutan
Publisher : PT LIB Research Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63982/dharmabakti.ndgyfy90

Abstract

Peningkatan frekuensi dan intensitas bencana alam telah menjadikan risiko bencana sebagai ancaman struktural terhadap keberlanjutan kehidupan sosial, terutama pada masyarakat pedesaan yang memiliki keterbatasan kapasitas respons. Berbagai upaya mitigasi masih didominasi pendekatan top-down dan teknis, sehingga kesiapsiagaan sosial masyarakat belum berkembang secara optimal. Kegiatan pengabdian ini bertujuan meningkatkan kesiapsiagaan sosial masyarakat desa rawan risiko melalui pengembangan dan penerapan edukasi mitigasi bencana berbasis komunitas dengan pendekatan simulasi dan skenario lokal yang partisipatif. Metode yang digunakan adalah mixed methods dengan desain sequential explanatory, meliputi tahap asesmen kebutuhan komunitas, perancangan bersama model edukasi, implementasi pelatihan dan simulasi bencana, serta evaluasi dampak melalui pengukuran pra–pasca dan observasi partisipatif. Hasil menunjukkan bahwa program ini secara konsisten meningkatkan kesiapsiagaan sosial masyarakat, tidak hanya pada pemahaman risiko, tetapi juga pada perubahan perilaku kolektif, koordinasi komunitas, dan respons operasional dalam simulasi bencana. Temuan kualitatif mengungkap bahwa partisipasi aktif, pembelajaran berbasis pengalaman, dan dukungan kelembagaan desa berperan penting dalam mengintegrasikan praktik kesiapsiagaan ke dalam aktivitas keseharian. Secara keseluruhan, kegiatan ini berdampak pada penguatan kapasitas sosial masyarakat dan pengurangan ketergantungan pada respons eksternal. Program ini terbukti efektif, berpotensi direplikasi pada konteks desa rawan risiko lainnya, serta memberikan implikasi penting bagi pengembangan kebijakan dan praktik pengurangan risiko bencana berbasis komunitas yang berkelanjutan.
The Influence Of Financial Literacy, Financial Technology (Fintech) And Social Environment On Financial Behavior Of Students Of The Faculty Of Economics, Class 2022-2023 Nurul Aidiatul Fitri; Sulkiah Sulkiah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8341

Abstract

This research aims to examine the influence of financial literacy, financial technology (FinTech), and the social environment on the financial behavior of students at the Faculty of Economics, Gunung Rinjani University, class of 2022-2023. With the increasing relevance of financial behavior due to technological advancements and rising living costs, this study explores how students manage their finances, considering the impact of financial literacy, FinTech adoption, and social influences. The study employed a quantitative approach, using questionnaires distributed to 66 students. Data analysis was conducted using SmartPLS. The findings reveal that both financial literacy and the adoption of FinTech positively and significantly influence students' financial behavior. In contrast, the social environment did not exhibit a significant effect on financial behavior. These results suggest that improving financial literacy and encouraging the responsible use of FinTech could enhance students' financial decision-making and overall financial well-being. This study highlights the importance of educating students on financial management skills and the potential role of technology in fostering better financial behavior.
Analisis Efisiensi Ekonomi Usaha Ayam Ras Petelur di Kabupaten Lombok Timur Muhamad Sarlan; Sulkiah Sulkiah
JIA (Jurnal Ilmiah Agribisnis) : Jurnal Agribisnis dan Ilmu Sosial Ekonomi Pertanian Vol. 9 No. 5 (2024)
Publisher : Department of Agribusiness, Halu Oleo University Jointly with Perhimpunan Ekonomi Pertanian Indonesia - Indonesian Society of Agricultural Economics (PERHEPI/ISAE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37149/jia.v9i5.1492

Abstract

East Lombok Regency is the largest egg production center, controlling 35 percent of the total chicken egg production in West Nusa Tenggara Province. However, its contribution is still relatively low compared to other provinces such as Bali and East Java. This study aims to (1) determine the factors that influence the production of laying hen farming businesses, (2) determine the technical efficiency and technical inefficiency of laying hen farming businesses, and (3) determine the allocative and economic efficiency of laying hen farming businesses in East Lombok Regency. The study was conducted in Bagik Payung Village, Tirtanadi Village, Wanasaba Village, and East Lombok Regency, and it was determined purposively based on the largest laying hen population. The research sample was 61 people who were determined simply randomly. The results of the study showed that (1) the factors that had a positive and significant effect on the production of laying hen farming businesses in East Lombok Regency were the number of chickens (X1), concentrate (X2), vitamins and medicines (X6), while the vaccine variables (X7) and labor (X5) had a negative but insignificant effect on laying hen production. (2) The technical efficiency (TE) value obtained an average of 0.951. The laying hen farming business in East Lombok Regency can be said to be almost technically efficient. Meanwhile, the factors that have a positive and significant influence on the level of technical inefficiency are Education Level (Z2) and Livestock Experience (Z3), while age (Z1) and number of dependents (Z4) have a negative and insignificant influence on efficiency. (3) The distribution of allocative efficiency values is in the range of a minimum of 1.062 and a maximum of 1.248. with an average value of 1.184, indicating that the laying hen farming business in East Lombok is not allocatively efficient. While the average value of economic efficiency is 1.125. This value indicates that economically, the laying hen business in East Lombok Regency is not yet efficient.
The Analysis of Community Financial Resilience in Traditional Savings and Loan Practices, Remittances, and Banking Access in East Lombok Linda Junita Lestari; Sulkiah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.9879

Abstract

Community financial resilience is an important aspect of household welfare, particularly in rural areas where income tends to fluctuate. In East Lombok, many households rely on agriculture and informal economic activities, making them vulnerable to economic shocks. In this context, traditional savings and loan practices, remittances from migrant workers, and access to formal banking services play a crucial role in supporting household financial stability. This study aims to analyze the effect of traditional savings and loan practices, remittances, and banking access on community financial resilience in East Lombok. The research employs a quantitative associative approach using primary data collected through questionnaires distributed to 94 household heads in Rarang Village, Terara District. Data were analyzed using multiple linear regression with the assistance of JASP software, preceded by validity, reliability, and classical assumption tests. The results show that banking access has a positive and significant effect on community financial resilience, while traditional savings and loan practices and remittances have positive but statistically insignificant effects. However, simultaneously these three variables significantly influence community financial resilience. These findings imply that strengthening financial inclusion and improving access to formal financial services can enhance household financial stability, while informal financial mechanisms still function as complementary support for rural communities.
Co-Authors Della Hastiana ikhwan wadi Ikroman Alhamzani Khairil Anwar Lalu Ibrohim Burhan Linda Junita Lestari Muhamad Sarlan Nurul Aidiatul Fitri Selamat Jalaludin