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All Journal Journal of Family Science Journal of Child, Family, and Consumer Studies
Kusumaningrum, Woro Dwi
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Humanities Economics, Econometrics & Finance Education Social Sciences

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SUBJECTIVE ECONOMIC WELL-BEING OF BANK EMOK CUSTOMERS' FAMILIES: AN ANALYSIS OF DEBT BEHAVIOR, LIFESTYLE, ECONOMIC PRESSURE, AND FAMILY FINANCES: Kesejahteraan Ekonomi Subjektif Keluarga Nasabah Bank Emok: Analisis Perilaku Berhutang, Gaya Hidup, Tekanan Ekonomi, Dan Keuangan Keluarga Sunarti, Euis; Kusumaningrum, Woro Dwi; Zammi, Mahfud
Journal of Child, Family, and Consumer Studies Vol. 3 No. 1 (2024): Journal of Child, Family, and Consumer Studies
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/jcfcs.3.1.22-32

Abstract

The utilization of money is not optimal, making the family's financial condition inefficient, which is why the family decides to get into debt at the Bank Emok. This study aims to analyze the influence of the family's debt behavior, lifestyle, economic pressure, and financial conditions (literacy and management) on the subjective economic well-being of Bank Emok customers in Bogor City. The research used a cross-sectional study design involving 150 families of Bank Emok customers selected by simple random sampling. The research instrument has adequate reliability and validity. The results of the analysis show that there are Bank Emok customers who are not categorized as poor. Many client families do not fulfill 12 years of primary education. Loans range from 2-16 million, with an average weekly installment of 138 thousand. As many as 26,7 percent of families fall into the category of high economic pressure, which is characterized by the difficulty of families in fulfilling food, education, and life skills. The results of the regression test show that the subjective economic welfare of families is positively influenced by lifestyle, financial literacy, financial management, number of dependents, length of wife's education, and length of loan. The analyzed model contributed 27,2 percent to the subjective economic well-being of families. Families are advised to start making financial plans and implement saving habits to be used in emergencies to improve the subjective economic well-being of the family.
Family Physical Economic Strength of Bank Emok Customer: An Analysis the Influence of Debt Behavior, Lifestyle, Economic Pressure, and Family Financial Conditions Sunarti, Euis; Zammi, Mahfud; Kusumaningrum, Woro Dwi; Fuadah, Rima Syifani
Journal of Family Sciences Vol. 8 No. 2 (2023): Journal of Family 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/jfs.v8i2.49718

Abstract

Bank Emok is a mobile bank that uses a group mechanism that sits together (emok) every week for debt disbursement and a joint responsibility payment guarantee system. The purpose of this study was to analyze the influence of debt behavior, lifestyle, economic pressure, and family financial conditions (literacy, management, attitudes) on the physical economic strength of Bank Emok customers in Bogor, West Java, Indonesia. This cross-sectional study involved 150 families of Bank Emok customers who were selected by simple random sampling. The research instrument had adequate reliability and validity. The results of the analysis show that there are Bank Emok customer families who are not categorized as poor (71.3% with the Bogor poverty line; 52% with the World Bank poverty line). Quite a large number of wives (63.4%) and husbands (51%) did not complete basic education (12 years). The husband's main job is laborer/employee (47.3%) and 57% of the wives work in various jobs. Debts range from 2-16 million, the average installment per week is 138 thousand. As many as 26.7 percent of families fall into the category of high economic pressure, this is indicated by the difficulty of the family in fulfilling food, education and life skills. The results of the analysis show that the physical economic strength of the family is positively influenced by financial literacy, financial management, attendance mechanisms, the husband's length of education, and family income, and is negatively affected by the husband's age. The analyzed model contributes 27.9 percent to the physical-economic strength of the family. Families need to increase their understanding of basic financial concepts and spending priorities because they play an important role in increasing the physical-economic strength of families.
Co-Authors Euis Sunarti Fuadah, Rima Syifani Zammi, Mahfud