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All Journal International Journal of Economics, Management and Accounting Jurnal Transformasi Pendidikan Indonesia
Yusuf Pathuansyah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Other

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Family Finansial Planning Strategy Fishermen in Sibolga City Central Tapanuli Ahmad Sayuti Pulungan; Yusuf Pathuansyah; Rizky Mery Octavianna Lubis
International Journal of Economics, Management and Accounting Vol. 1 No. 3 (2024): September : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i3.171

Abstract

The fishermen face two seasons, namely the fish harvest season and the famine season, where these two seasons greatly affect the income earned by fishermen. In the fish harvest season, fishermen earn relatively large incomes, while in the lean season, fishermen earn relatively little income so that fishermen need to have a strategy in carrying out family financial planning. The purpose of this study was to analyze the financial planning strategies of fishermen's families during the lean season and the fish harvest season. This study uses descriptive qualitative research methods with the number of research respondents of 10 fishermen in sibolga and data collection techniques through in-depth interviews. The results showed that during the fish harvest season, the family's financial planning strategy was to save and serve as business capital. Meanwhile, during the family season, the family's financial planning strategy is a coping strategy by reducing daily expenses and increasing income.
Pendampingan Manajemen Usaha Perempuan Pascabencana Banjir Bandang di Desa Huta Godang untuk Penguatan Ekonomi Lokal Nurdelila; Lubis, Rizky Mery Octavianna; Yusuf Pathuansyah; Mahrani
Jurnal Transformasi Pendidikan Indonesia Vol. 4 No. 1 (2026): JTPI January
Publisher : Yayasan Perguruan Kampus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65474/4ntj1c40

Abstract

The flash floods that struck Huta Godang Village significantly impacted the sustainability of community micro-enterprises, particularly women who were economically vulnerable after the disaster. This community service activity aimed to improve the business management capacity of women affected by the flash floods as a strategy for local economic recovery and strengthening. The approach used was participatory, empowerment-based mentoring through business management training and mentoring, covering business planning, simple financial management, and marketing strategies. The program targeted women micro-enterprises and female heads of households in Huta Godang Village. The program evaluated participants' pre- and post-mentoring conditions using descriptive statistical data. The results showed a significant increase in participants' managerial capacity, indicated by an increase in the proportion of participants who had business plans, maintained financial records, and implemented simple marketing strategies. Furthermore, some participants began to experience a gradual recovery in their business income and demonstrated increased economic independence. This activity demonstrated the effectiveness of post-disaster mentoring for women's business management in supporting community economic recovery and strengthening women's roles as actors in local economic development. Therefore, this mentoring model has the potential to be replicated in other disaster-affected areas with similar social and economic characteristics
Co-Authors Ahmad Sayuti Pulungan Mahrani Nurdelila Rizky Mery Octavianna Lubis