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Resisting Financial Predation: A Community-Based Financial Literacy Strategy to Mitigate Illegal Investment Risk in Coastal Indonesia Shalihah, Mar'atun; Amin, Deny Yarusain; Yaman, Afdhal; Waluyo, Bambang; Ningsih, Tri Fitria
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 1 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.45438

Abstract

This study develops a financial literacy–based strategy to mitigate illegal investment risks in vulnerable coastal communities using a Financial Vulnerability Index (IKF) and a Multi-Criteria Decision-Making (MCDM) approach integrating AHP and TOPSIS. Conducted in three Central Maluku villages, the IKF combines economic vulnerability, financial literacy, and access to finance. Findings show Wailulu and Asilulu as highly vulnerable (IKF >0.90), while Tulehu is more resilient. AHP-TOPSIS results rank community- based training as the most effective strategy, followed by local media literacy and fishermen cooperative engagement. These findings validate the Community-Embedded Literacy Delivery Model (CELDM), highlighting the effectiveness of localized, participatory approaches. The study informs inclusive and adaptive financial literacy policies targeting high-risk populations. Keywords: illegal investment; financial literacy; community-based strategy; AHP-TOPSIS; coastal vulnerability; financial inclusion   Abstrak Penelitian ini mengembangkan strategi mitigasi investasi ilegal berbasis literasi keuangan bagi komunitas pesisir rentan dengan menggabungkan Indeks Kerentanan Finansial (IKF) dan pendekatan MCDM (AHP-TOPSIS). Studi dilakukan di tiga desa di Maluku Tengah, dengan IKF mencakup dimensi kerentanan ekonomi, literasi keuangan, dan akses keuangan. Wailulu dan Asilulu tergolong sangat rentan (IKF > 0,90), sementara Tulehu lebih tangguh. Hasil AHP-TOPSIS menunjukkan pelatihan komunitas sebagai strategi paling efektif, diikuti kampanye media lokal dan kemitraan koperasi nelayan. Temuan ini menguatkan Model Penyampaian Literasi Berbasis Komunitas (CELDM), dan memberikan dasar bagi kebijakan literasi keuangan yang inklusif dan kontekstual. Kata kunci: investasi ilegal; literasi keuangan; strategi berbasis komunitas; AHP-TOPSIS; kerentanan pesisir; inklusi keuangan
The Effect of Local Community Support Toward Sharia Tourism in Central Maluku Regency Shalihah, Mar'atun
EQUILIBRIUM Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.12352

Abstract

This research aims to analyze the local community’s supported influence based on Sharia Tourism Development in the Central Maluku Regency. Some variables are affected by this research, such as negative and positive perceptions of local residents toward the economy, society, and environment around the population. The methodology of this research is quantitative research which uses an explanatory method. There are around 51 participants as samples. Those samples are chosen from Mamala and Morella villages directly involved in tourism activities. The data is processed and analyzed using SEM PLS ver.3 Software. Results of the study found that: the social impact had a positive and significant impact on local community support for sharia tourism development, and the negative impact had a negative and significant impact on the support for sharia tourism development. In contrast, the economic and environmental impact had a positive but not significant impact on the population support local to the development of sharia tourism