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Arsyad, Nursyam
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Financial Well-Being Masyarakat Perkotaan: Sinergi Antara Intervensi Manajemen Keuangan Dan Pendidikan Ekonomi Di Kawasan Padat Makassar Arsyad, Nursyam; Hamran , Hamran; Hafid, Abdul; Ibadurrahman , Ibadurrahman; Utomo, Jepri; Mutmainnah, Inayatul
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1871

Abstract

Penelitian ini bertujuan untuk mengevaluasi dampak sinergi antara intervensi manajemen keuangan dan pendidikan ekonomi terhadap kesejahteraan finansial masyarakat perkotaan di kawasan padat Kota Makassar. Pendekatan campuran digunakan dalam studi ini, dengan menggabungkan data kuantitatif berupa pre-test dan post-test literasi serta perilaku keuangan pada 60 responden, serta data kualitatif dari observasi lapangan dan wawancara mendalam dengan peserta, tokoh masyarakat, dan fasilitator pelatihan. Intervensi dilakukan melalui pelatihan manajemen keuangan berbasis kebutuhan praktis warga, menggunakan modul sederhana dan simulasi. Hasil penelitian menunjukkan peningkatan signifikan pada indikator literasi dan perilaku keuangan pasca pelatihan, disertai perubahan sikap dalam pencatatan anggaran, prioritas pengeluaran, serta komunikasi keuangan dalam keluarga. Temuan ini memperkuat pentingnya kolaborasi antara intervensi berbasis komunitas dan pendidikan ekonomi untuk memperbaiki kesejahteraan finansial masyarakat urban. Penelitian ini memberikan implikasi kebijakan terhadap pengembangan program literasi keuangan yang kontekstual dan partisipatif.
Fintech Integrated Economic Education Model: Improving Inclusive Financial Competence Among Millennial MSMEs Farwita, Syurwana; Arsyad, Nursyam; Ibadurrahman, Ibadurrahman; Utomo, Jepri; Mutmainnah, Inayatul
Journal La Edusci Vol. 6 No. 4 (2025): Journal La Edusci
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallaedusci.v6i4.2615

Abstract

This research aims to develop and test a fintech-integrated economic education model to improve inclusive financial competence among millennial MSMEs in Makassar City. Using a descriptive qualitative approach, the study involved ten MSME actors selected purposively and explored their financial behavior, challenges, and responses to a structured training model. The model combines basic economic education, practical use of digital financial applications, and reflective learning processes. Data were collected through interviews, observations, documentation, and pre-test and post-test analysis. The results show significant behavioral changes in financial management, including routine bookkeeping, financial separation between personal and business funds, and improved budgeting practices using fintech tools. The model proves effective in contextualizing economic education and digital literacy within the everyday business practices of MSMEs. These findings underscore the importance of designing participatory, practical, and technology assisted learning models to enhance financial inclusion and empower small business actors sustainably.
Co-Authors Abdul Hafid Farwita, Syurwana Hamran , Hamran Ibadurrahman , Ibadurrahman Ibadurrahman Ibadurrahman Mutmainnah, Inayatul Utomo, Jepri