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All Journal International Journal of Community Service Jurnal of Applied Business and Banking (JABB)
Ma’ruf, Aminudin
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Religion Humanities Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Family Financial Resilience Efforts Through Financial Management Training in Bangah Sidoarjo Village Wajuba Perdini Fisabilillah, Ladi; Seno Aji, Tony; Wasil, Mohammad; Nilasari, Aprillia; Ma’ruf, Aminudin; Mustafidah, A’imatul; Ashra Faishal Mabani, Moh
International Journal Of Community Service Vol. 5 No. 3 (2025): August 2025 (Indonesia - Rusia - Malaysia)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v5i3.886

Abstract

Global economic instability triggered by the COVID-19 pandemic, geopolitical conflicts, inflation, and commodity price fluctuations has increased household financial vulnerability in Indonesia, especially among low- and middle-income groups. Many households, particularly those led by housewives, lack adequate financial literacy and skills in managing household budgets. This community service program aimed to enhance family financial resilience by educating housewives in Bangah Village, Sidoarjo, on healthy household financial management. The activity, held on July 20, 2025, involved 70 participants and was implemented through three stages: education using interactive presentations, practical exercises through case studies, and evaluation via pre- and post-tests. The pretest revealed that 70% of participants had not managed household finances effectively. Post-test results indicated a 20% improvement, with 90% of participants understanding proper budget allocation and distinguishing needs from wants. The program successfully increased participants’ knowledge and skills in managing finances, though some still reported expenditures exceeding income. Participants suggested future training include topics on investment and digital literacy.
DETERMINANT FACTORS INFLUENCING CREDIT DISTRIBUTION IN THE INDONESIAN BANKING INDUSTRY Odilia, Diva Nadya; Ma’ruf, Aminudin
JOURNAL of APPLIED BUSINESS and BANKING (JABB) Vol 7, No 1 (2026): Maret
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jabb.v7i1.38747

Abstract

The banking sector plays a crucial role in supporting economic growth through credit intermediation, particularly in developing countries such as Indonesia where the financial system is highly concentrated. This study aims to examine the factors influencing credit distribution among systemically important banks in Indonesia during the period 2015–2024. The research applies a quantitative approach using monthly panel data from four major banks in Indonesia and employs a fixed effects regression model. The findings indicate that bank size and liquidity significantly encourage credit distribution, while credit risk acts as a major constraint on lending activities. Meanwhile, profitability indicators and inflation show no significant influence, and the policy interest rate has a slight negative effect on credit growth. These results suggest that internal bank characteristics play a more dominant role than external macroeconomic conditions in determining lending behavior. Therefore, strengthening prudential regulation and implementing appropriate macroprudential policies are important to support sustainable credit growth and maintain financial stability in Indonesia.
Co-Authors Ashra Faishal Mabani, Moh Mustafidah, A’imatul Nilasari, Aprillia Odilia, Diva Nadya Tony Seno Aji Wajuba Perdini Fisabilillah, Ladi Wasil, Mohammad