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All Journal JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal bahasa, sastra, seni, dan pengajarannya
Mohd Salleh, Norlida Hanim
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Arts Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Factors That Affect the Indebtedness of Urban Households - A Study in the Klang Valley Malaysia Abu Bakar, Norlaila; Mahzan, Akwa bin; Mohd Asri, Norain; Mohd Salleh, Norlida Hanim; Al-Hadi, Azrina Abdullah; Chamburi, Norshamliza
JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Vol 10, No 3: November 2024
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um003v10i22024p297

Abstract

This research uses exploratory factor analysis to identify the reliability on household debt. 332 respondents participated in this research to understand their knowledge on household debt concept and the reason they indebtness. In this context, household debt is defined as repayment to creditors regardless of the source of the loan owed. The concept of household debt is so broad based on the type of debt incurred by the respondents and its impact on the expenditure of household needs. Therefore, this research also measured the level of financial behavior, indebtedness, awareness of indebtedness and understanding of financial digitization among respondents. The purpose was to identify that respondents were inclined toward household debt (pro-debt) or vice versa. This study found that household debt has emerged as a pressing issue among Malaysians, particularly in the densely populated Klang Valley. Many residents here acquire debt primarily to cover essential living expenses and contend with the urban area's high cost of living. Keywords: Household indebtness, Consumption, Indebtness, Financial literacy, Financial digitalization
Pottery craft development: Upgrading the traditional combustion management patterns for product quality and aesthetics in Pagelaran Village, Malang Aini, Desti Nur; Winarno, Agung; Arsadi, Arsadi; Mohd Salleh, Norlida Hanim
Bahasa dan Seni: Jurnal Bahasa, Sastra, Seni, dan Pengajarannya Vol. 51, No. 1
Publisher : citeus

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Abstract

This study examines the process of improving the quality of pottery products from Pagelaran village in Malang mainly by improving the traditional combustion process. The traditional pottery craftsmen in this area have faced issues with both the aesthetic values and quality standard of their products, even having defective products due to poor processes. Despite these challenges, pottery craft in Pagelaran is considered a cultural heritage that has contributed to the welfare of craftsmen and the local community, as well as the preservation of local wisdom. To improve the quality of their products, the craftsmen in Pagelaran have focused on the way they use tools and materials, the technical production process by linking technology and the environment, the method used, and the effect on future environmental changes. This study employs a descriptive qualitative and action research, which involves the craftsmen community in Kampung Edukasi Wisata. Data is collected through observation and in-depth interviews and analyzed using the 6P simultaneous stages technique proposed by Winarno and Robfiah (2020). The findings of the study show that while the tools and materials used in the pottery production are still traditional, the pottery of Pagelaran is leading to innovative aesthetic products. Pottery production activities have an impact on the physical environment, requiring technology, methods, and cultural impact in the exploitation of the environment under the cultural ecology perspective. Despite the traditional production process, it has been integrated with user demands so that the quality of the product is improved through the standardization of the combustion process, product decoration, and additional touches of aesthetic values on the products. Overall, this study provides insights into how traditional craftsmen can improve their product quality through a focus on both the technical production process and cultural impact.
Co-Authors Abu Bakar, Norlaila Agung Winarno Al-Hadi, Azrina Abdullah Arsadi, Arsadi Chamburi, Norshamliza Desti Nur Aini, Desti Nur Mahzan, Akwa bin Mohd Asri, Norain