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All Journal Edukasi: Jurnal Pendidikan Digital Zone: Jurnal Teknologi Informasi dan Komunikasi Journal on Education Jurnal Informatika Ekonomi Bisnis Multicience Journal of Social And Economics Research Journal of Scientech Research and Development Journal of Community Service Jurnal Teknik, Komputer, Agroteknologi dan Sains Zadama: Jurnal Pengabdian Masyarakat Jurnal Informatika Ekonomi Bisnis International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) JENTIK journal of social and economic research Edumaspul: Jurnal Pendidikan
Danyl Mallisza
Manajemen Informatika, Universitas Ekasakti Padang
Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences 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 Ade Setia Wati Adrian Fadhli Afdal Afif Maulana Agus Sutardjo Agus Sutardjo Agus Sutardjo Agus Sutradjo Al Azhar Ambiyar, Ambiyar Andre Bustari Anggi Minanda Sastra Ardiany, Yuli Aulia Rizki Alda Aulia, Annisa Tri Bakkareng Bakkareng, Bakkareng Dahri Yani Hakim Tanjung Debi Masri Delori Nancy Meyla Delvianti Dewirman Prima Putra Dian Wahyoni Dina Adawiyah Doris yadewani Elly Marni Evri Ekadiansyah Evri Ekadiansyah Fani Keprila Prima Fauzia Zainin Hardi Wijaya Harry Setya Hadi Heni Pujiastuti Henny Purnama Dewi Hudalinnas Ichsan Ichsan Ikhwan Rahman Irvani Ramadhana Ivonne Ayesha Ivonne Ayesha Jalius Jama Jhon Rinaldo Jusmita Weriza Khairul Ummi Khairul Ummi M Ilham A Siregar M. Iqbal M.Ilham A.Siregar Maharani Syabila JR Mariandi, Reski Melda Fajra Mikel Pratama Muhammad Afdil Muhammad Ilham A Siregar Mukhnizar Muknizar Muknizar, Muknizar Nazili Nazili Nazili Nazili Nazili Nike Mardia Putri Nova Begawati Novalinda, Rina Novi Yanti Novi Yanti Novi yanti, Novi yanti Nur Adilah Nuraeni Dahri Oktariani Oktariani Oskah Dakhi OSKAH DAKHI OSKAH DAKHI Putri Medya Belsa Rajesha Dwi Vanderma Reski Mariandi Retno Aprilla Hardi rian saputra Rice Haryati Rina Asmeri, Rina Risal Abu Rizka Hadya Robby Hotter Robi Arianto Salfadri, Salfadri Siti Ayshah Slamet Riyadi Sukardi, Sukardi Sunreni Teti Chandrayanti Tony Cahyadi UNUNG VERAWADINA Veny Selviyanti Vindro Nofriwandi Viola Aysiah Wahyuni Yahyan YULIA SYAFITRI Yulia Syafitri Yulistia Yulistia Yulistia Zulkarnain