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All Journal Jurnal Gizi dan Pangan MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Jurnal Ilmu Tanah dan Lingkungan (Journal of Soil Science and Environment) Media Gizi dan Keluarga Jurnal Pendidikan Karakter Jurnal Manajemen Teknologi TAZKIYA JOURNAL OF PSYCHOLOGY Jurnal Ilmu Sosial dan Humaniora Jurnal Kependudukan Padjadjaran Jurnal Penelitian Hutan Tanaman Persona: Jurnal Psikologi Indonesia JAM : Jurnal Aplikasi Manajemen Journal of Degraded and Mining Lands Management Jurnal Pengelolaan Sumberdaya Alam dan Lingkungan (Journal of Natural Resources and Environmental Management) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Family Science Journal of Consumer Science Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Psikohumaniora: Jurnal Penelitian Psikologi Jurnal Ilmu Keluarga dan Konsumen Anfusina: Journal of Psychology Applied Information System and Management Jurnal Penelitian Sosial dan Ekonomi Kehutanan Peksos: Jurnal Ilmiah Pekerjaan Sosial The Journal of Indonesia Sustainable Development Planning (JISDeP) Journal of Applied Data Sciences Jurnal Pengabdian Masyarakat Indonesia International Journal of Engineering, Science and Information Technology International Journal of Economics (IJEC) International Journal of Disaster Management Journal of Child, Family, and Consumer Studies Humanitas: Indonesian Psychological Journal Policy Brief Pertanian, Kelautan, dan Biosains Tropika Engagement: Jurnal Pengabdian Kepada Masyarakat Media Penelitian dan Pengembangan Kesehatan
Euis Sunarti
Departemen Ilmu Keluarga Dan Konsumen, Fakultas Ekologi Manusia, Institut Pertanian Bogor, Jl. Raya Darmaga Kampus IPB Darmaga, Bogor, 16680, Indonesia
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Journal : Journal of Consumer Science

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Investigating Family Vulnerability, Financial Attitudes and Debt Behavior of Bank Emok Borrowers Fuadah, Rima Syifani; Sunarti, Euis; Istighfarani, Syifa
Journal of Consumer Sciences Vol. 9 No. 3 (2024): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.9.3.388-408

Abstract

Bank Emok continues to be a significant part of family finances despite the high-interest burden associated with it. Bank Emok is an informal financial institution in Indonesia that provides money-lending services to the community by traveling or visiting customers directly. This study analyzes the influence of family vulnerability and financial attitudes on debt behaviors among families who are customers of Bank Emok. Conducted as a cross-sectional study with a sample of 150 wives selected through simple random sampling in the Tanah Sereal Sub-district of Bogor City, results show that almost half of the families exhibit low family vulnerability, low financial attitudes, and moderate debt behavior. Family vulnerability shows significant difference between poor and non-poor families according to 1.5x Bogor City’s and World Bank’s Poverty Line 2022. Regression tests showed that financial attitudes, length of husband's education, per capita income, and attendance mechanisms had a significant positive effect on debt behavior. In conclusion, to decrease family vulnerability and increase financial attitudes toward debt behavior, it is important for families to improve their financial attitudes and manage household financial skills through financial management training conducted at each meeting.
Co-Authors . Meirita Adhitiah, Eka Fitriany Putri Affandi, M.Joko Agus Siswanto Agustin, Salsa Bela Frisilia Aida Vitayala S. Hubeis Aida Vitayala S. Hubeis Ajrania, Sri Alfiasari Aliya Faizah Fithriyah Amaliah Ekasari Amirah, Nurul Ammi Salamah Annisa Milana Arif Imam Suroso Arya H. Dharmawan Arya H. Dharmawan Arya Hadi Dharmawan ASEP SAEFUDDIN Baba Barus Bambang Ernanto Boedi Tjahjono Budiyanto, Balok Christine Haryati Dadang Rahmat Nugraha Dadang Sukandar Damayanti, Rahmi Defina Desmahadiyanti, Putri Ayu Diah K Pranadji Diah K. Pranadji Diah Krisnatuti Dian Pertiwi Josua Dinda Kamilah Dita Septia Ningsih Djakiman, Rapida Dwi Ariyani Dwi Ariyani Dwi Hastuti Dwi Hastuti Martianto Dwifeny Ramadhany E. Eko Ananto E. Eko Ananto Edwin Kastolani Burtha Eko Yuliarti Siroj Elwamendri Elwamendri Fadilla Marrizka Laily Fathimah Zahroo Fatma Putri Sekaring Tyas Firdaus Firdaus Fithriyah, Aliya Faizah Fitri Apriliana Hakim Fitri Apriliana Hakim Fitri Meliani Fitri Sari Fitriani Fitriani Fuad Muchlis Fuadah, Rima Syifani Gina Ginanjarsari Hadi Sumarno Hambari, Hambari Handian Purwawangsa Hardiansyah . Hardinsyah Hasanah, Tita Hermin Fatimah Hermin Fatimah, Hermin Hidayat Syarief Hidayat Syarief Hilma Rosmy Naziah Himah Aliyah, Uluwul Hubeis, Aida Vitayala S Husaini . Husniyah Almas Ikqra Ikqra Ine Rahmatin Intan Islamia Intan Islamia Irman Hermadi Irni Rahmayani Johan Istighfarani, Syifa Istiqlaliyah Muflikhati Josua, Dian Pertiwi Juniati, Atie Tri Junita Sari Syahrini Karunia, Syamila Kusumaningrum, Woro Dwi Lenny Alfidayanti Lilik Noor Yuliati Lukman M Baga Lukman M. Baga Luntungan, Irving IP Lutfiah Syahidah M. Joko Affandi Mahfud Zammi Maknunah, Lulu Marwiah Maulana, Agus Maulidia Fala Megawati Simanjuntak Melly Latifah Milatul Ulfa Milatul Ulfa Milatul Ulfa, Milatul Minkhaya Silviana Putri Mohammad Iqbal Irfany Musa Hubeis Musthofa Musthofa Musthofa Musthofa Neti Hernawati Nia Nuryani Nikmatul Khoiriyah Nikmatul Khoiriyah Nina Widiana Darojati Nova Zakiya Novy Tri Muktiyah Nur Rochimah Nur Rochimah Nurdewi Azizah Safitri Nurfurqoni, Fuadah Ashri Nurlita Tsania Nurul Fatwa P. Perdinan Pang S. Asngari Purwanto, Yanuar Jarwadi Putri Ayu Desmahadiyanti Rahma Nur Praptiwi Rahman, Kanaya Aulia Rahmi Damayanti Rani Andriani Budi Kusumo Ranti Rosanti Ratna Megawangi Raysha Helau Wardhani Restystika Dianeswari Retno Wijayanti Rima Syifani Fuadah Rina Fatimah Risda Rizkillah, Risda Sabila, Sitti Nazwa Idznia Septriana Murdiani Shania Af'ida Faradilla Siroj, Eko Yuliarti Siti Badaria Siti Maesaroh Siti Maryam Siti Pitriani Sri Ajrania Sri Dermawan Suandi Suandi Suciyati Martinea Suprihatin Guhardja Syifa Istighfarani Tin Herawati Ujang Sumarwan Wasito Wasito Winny Faramuli Woro Dwi Kusumaningrum Wulandari Yamin, Fadhilah Bt Mat Yane Ardian Rachman Yulina Eva Riany Yulina Eva Riany Yulina Eva Riany Yuni Sugiarti, Yuni Zammi, Mahfud Zifora Mujahidah Villa Zulfa Rahmawati Zulhamsah