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All Journal Journal of Family Science Journal of Consumer Science
Fuadah, Rima Syifani
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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.
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 Istighfarani, Syifa Kusumaningrum, Woro Dwi Zammi, Mahfud