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All Journal Eduvest - Journal of Universal Studies
Wardis Girsang
Universitas Pattimura Ambon, Indonesia
Aerospace Engineering Computer Science & IT Health Professions Neuroscience Social Sciences

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Financial Literacy And Inclusion Of Farmers And Fishermen: A Case Study In Tawiri Village And Dusun Seri Ambon City Island, Maluku Indonesia Patricya F. V. Pattipeilohy; S. F. W. Thenu; I. T. Matitaputty; Wardis Girsang
Eduvest - Journal of Universal Studies Vol. 4 No. 10 (2024): Journal Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v4i10.44778

Abstract

Financial literacy and financial inclusion are needed to improve people's lives through Financial Services Institutions. The 2016 and 2019 National Surveys on Financial Literacy and Inclusion show that the financial literacy index of farmers and fishermen is the lowest compared to other types of work. Indonesia has considerable potential for agricultural land and marine fisheries, especially in Ambon City. This study aims to determine the effect of financial literacy on financial inclusion for farmers and fishermen. The research method is a survey of 65 households of farmers and fishermen—data analysis using SMART PLS4.0 software. The results showed that knowledge or literacy and attitudes affect skills, while skills affect access. Furthermore, access and trust affect inclusion. The implication is that improving skills and attitudes will improve access; access affects trust, which determines financial inclusion.
Poverty Alleviation Model In Rural East Seram: A Case Study of Karay, Salas and Sumber Agung Villages Ekayanti Wokanubun; Wardis Girsang
Eduvest - Journal of Universal Studies Vol. 5 No. 2 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i2.50812

Abstract

Poverty in the district of Seram Bagian Timur (SBT) is beyond the provincial poverty rate. Several poverty factors used a deductive approach. This study used an inductive approach of about 99 respondents from rural poor households. We gathered through in-depth interviews using questionnaire tools. Data analysis uses path analysis and the software SMARTPLS4.0. Research showed that most poor rural households are deprived of clear water, sanitation, education costs and access to higher education, housing, and energy. Second, the number of children and household dependency significantly influence education and health. Third, education and health significantly influence poverty. The higher the education and health level, the lower the poverty rate. Third, poverty significantly influences food consumption patterns. Poor households consume local sago food, while not-poor households consume imported rice. Research findings imply that population control through planning family is still crucial, including education and health, to reduce poverty. Poverty reduction needs to follow food security through sago palm and prime commodity industrialization program intervention.
Co-Authors Ekayanti Wokanubun I. T. Matitaputty Patricya F. V. Pattipeilohy S. F. W. Thenu