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All Journal Journal of Consumer Science Jurnal Ilmu Keluarga dan Konsumen EcoProfit : Sustainable and Environtment Business
Istighfarani, Syifa
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Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Nursing Public Health Social Sciences

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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.
Analyzing the environmental readiness of coffee shop entrepreneurs: A study using the PLS-SEM approach and the theory of reasoned action Istighfarani, Syifa
EcoProfit: Sustainable and Environment Business Vol. 3 No. 1: July (2025)
Publisher : Institute for Advanced Science Social, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/ecoprofit.v3i1.2025.2040

Abstract

Background: The rapid growth of the coffee industry has increased consumption and the generation of spent coffee grounds waste, which poses environmental risks while offering economic potential. Although previous studies have discussed the hazards and benefits of this waste, comprehensive research on coffee shop entrepreneurs’ readiness to adopt environmentally friendly behavior remains limited. This study aims to examine their readiness by analyzing the influence of awareness, knowledge, attitude, intention, and actual behavior, based on the Theory of Reasoned Action. Methods: A quantitative approach with a cross-sectional design was used. Data were collected in 2022 from 200 coffee shop entrepreneurs in Jakarta and Bekasi, selected as central coffee business areas. Partial Least Squares (PLS) analysis was conducted, including outer model, goodness-of-fit, and inner model tests. Findings: The results showed that environmental awareness had no significant direct or indirect effect on environmentally friendly behavior. In contrast, knowledge significantly influenced the formation of positive attitudes, which mediated the relationship with intention and actual behavior. These results underscore the need to distinguish between awareness and knowledge, as only the latter demonstrated a meaningful impact on behavior formation. Well-informed attitudes enhanced behavioral intention, which in turn significantly influenced actual pro-environmental behavior. These findings validate the Theory of Reasoned Action and extend its applicability in explaining pro-environmental behavior adoption in waste-management-based entrepreneurship, particularly in coffee shop businesses. Conclusion: The study highlights the importance of environmental and entrepreneurial education regarding both the risks and economic potential of spent coffee grounds. Government support is needed to promote education, build enabling systems, and provide infrastructure to foster environmentally responsible behavior. Novelty/Originality of this article: This study offers a novel contribution by examining coffee shop entrepreneurs' environmental readiness using the Theory of Reasoned Action and a PLS-SEM approach. Unlike prior studies that focused on the risks and benefits of spent coffee grounds, this research explores the behavioral pathway from awareness and knowledge to actual pro-environmental practices, highlighting the distinct roles of both.
KESEJAHTERAAN SUBJEKTIF KELUARGA NASABAH BANK EMOK: PENGARUH PENGETAHUAN RIBA, TEKANAN EKONOMI, KEPUTUSAN BERUTANG, DAN INVESTASI RESILIENSI : Subjective Welfare of Emok Bank Customer Families: The Influence of Riba Knowledge, Economic Pressure, Debt Decisions, and Resilience Investment Istighfarani, Syifa; Wulandari; Sunarti, Euis
Jurnal Ilmu Keluarga dan Konsumen Vol. 17 No. 2 (2024): JURNAL ILMU KELUARGA DAN KONSUMEN 17.2
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24156/jikk.2024.17.2.103

Abstract

Bank Emok merupakan istilah bank keliling di wilayah Sunda (Jawa Barat), yang peminjamnya berkelompok bertemu setiap minggu dan duduk di lantai (Emok) untuk pencairan pinjaman dan pembayaran cicilan. Tujuan penelitian ini untuk menganalisis pengaruh pengetahuan riba, tekanan ekonomi, pengambilan keputusan berutang, dan investasi resiliensi (nilai, kepercayaan, dan aturan; kapasitas organisasi; dan atmosfer keluarga) terhadap kesejahteraan subjektif keluarga nasabah Bank Emok di Kabupaten Bogor. Penelitian cross-sectional ini melibatkan 120 keluarga nasabah Bank Emok yang dipilih secara acak melalui metode simple random sampling. Hasil analisis menunjukkan terdapat nasabah Bank Emok yang tidak terkategori miskin (84,2% dengan garis kemiskinan Kabupaten Bogor; 46,7 persen dengan garis kemiskinan Bank Dunia). Cukup besar istri (77,5%) dan suami (64,2%) tidak memenuhi pendidikan dasar (12 tahun). Pekerjaan utama suami adalah buruh (41,7%) dan 41,7 persen istri bekerja beragam pekerjaan. Pinjaman berkisar antara Rp2-24 juta, rataan cicilan per minggu sebesar 112 ribu. Hasil analisis menunjukkan kesejahteraan subjektif keluarga dipengaruhi secara positif oleh kapasitas organisasi dan atmosfer keluarga serta dipengaruhi secara negatif oleh tekanan ekonomi baik subjektif maupun objektif, dan lama pendidikan istri. Model yang dianalisis berkontribusi 61,2 persen terhadap kesejahteraan subjektif keluarga. Penelitian ini berimplikasi terhadap upaya peningkatan kesejahteraan keluarga pada nasabah Bank Emok dengan membangun kapasitas organisasi dan atmosfer keluarga yang baik.
KEINGINAN KELUARGA MENGHENTIKAN PINJAMAN BANK EMOK: POTRET TEKANAN EKONOMI, MANAJEMEN KEUANGAN, DUKUNGAN SOSIAL, DAN LINGKUNGAN KELUARGA: Families' Desire to Cease Bank Emok Loans: An Examination of Economic Pressure, Financial Management, Social Support, and Family Environment Sunarti, Euis; Ajrania, Sri; Pranadji, Diah Krisnatuti; Siswanto, Agus; Hambari; Musthofa; Istighfarani, Syifa
Jurnal Ilmu Keluarga dan Konsumen Vol. 17 No. 3 (2024): JURNAL ILMU KELUARGA DAN KONSUMEN 17.3
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24156/jikk.2024.17.3.247

Abstract

Banyak keluarga terjebak menjadi nasabah Bank Emok dalam waktu cukup lama dan memberikan tekanan kepada keluarga. Penelitian ini bertujuan untuk mengelaborasi keinginan menghentikan pinjaman dari Bank Emok dan faktor yang memengaruhinya (tekanan ekonomi, manajemen keuangan, dukungan sosial, dan lingkungan keluarga). Penelitian ini melibatkan 120 keluarga nasabah Bank Emok di Kabupaten dan Kota Bogor. Keluarga ingin menghentikan pinjaman dengan segera menyelesaikan cicilan (90%) dan tidak ingin meminjam lagi (85%). Tekanan ekonomi keluarga cukup tinggi. Sebagian besar keluarga tidak memiliki tabungan yang cukup untuk enam bulan kebutuhan keluarga. Sebagian besar pendapatan keluarga lebih kecil dari pengeluaran. Hampir semua keluarga berutang kurang dari 50 persen aset keluarga. Alasan utama keluarga berutang untuk modal usaha dan kebutuhan darurat keluarga. Keluarga paling sering meminta dukungan atau bantuan dari keluarga besar dan tetangga. Keluarga mengaku mengenal baik masyarakat, saling hormat, dan peduli pada lansia. Hasil PLS menunjukkan bahwa makin tinggi skor tekanan ekonomi, manajemen keuangan, dukungan sosial, dan lingkungan keluarga, maka makin tinggi keinginan menghentikan pinjaman. Keluarga disarankan untuk meningkatkan manajemen keuangannya, utamanya dengan menabung untuk kebutuhan baik yang sudah diketahui maupun kebutuhan darurat.
Co-Authors Agus Siswanto Ajrania, Sri Diah Krisnatuti Euis Sunarti Fuadah, Rima Syifani Hambari, Hambari musthofa WULANDARI