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All Journal GoodWill Journal of Economics, Management, and Accounting Jurnal Kajian Ekonomi dan Perbankan Syariah
Masri Damang
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Religion Economics, Econometrics & Finance

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The Role of Brief Note and Financial Literacy in Family Financial Management Kasmiah; Risman; Masri Damang
GoodWill Journal of Economics, Management, and Accounting Vol. 4 No. 2 (2024): October 2024
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/b55btk83

Abstract

This study explores the role of brief note-taking and financial literacy in improving family financial management, particularly among women as the primary household financial managers. Conducted in Lamokato Village, Kolaka Regency, Indonesia, the research employs a quantitative pretest–posttest design involving 53 households to evaluate changes in financial knowledge following an educational intervention. The study aims to strengthen financial awareness, planning, and decision-making as foundations of household economic resilience. The pretest results show that 62.3% of respondents had only moderate financial knowledge, while posttest data indicate a significant improvement, with 94.34% demonstrating good financial literacy. The findings reveal that the integration of brief note-taking—such as systematic recording of income and expenditures—combined with financial literacy education enhances the ability of families to manage resources, save, reduce debt, and initiate investments. Financial mismanagement and consumptive spending patterns are identified as primary barriers to family financial well-being. The study concludes that structured financial education programs effectively empower families, particularly women, to achieve better budgeting discipline and financial independence. These results highlight the essential role of financial literacy in reducing financial stress, promoting sustainable financial behavior, and supporting inclusive economic development. The study provides practical implications for policymakers and educators to design targeted community-based financial training programs that foster long-term household stability.
Efektivitas Manajemen Resiko Pembiayaan Musyaraqah Mutanaqisah (Studi Kasus pada Produk Kongsi Pemilikan Rumah Syariah di PT Bank Muamalat Indonesia Tbk .KCP Kolaka) kasmiah; Masri Damang; Dewi Angriani
Jurnal Kajian Ekonomi dan Perbankan Syariah Vol 3 No 2 (2024): Jurnal Kajian Ekonomi dan Perbankan Syariah
Publisher : Institut Agama Islam DDI Polewali Mandar

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Abstract

Bank Muamalat Indonesia merupakan lembaga keuangan bank yang operasionalnyaberdasarkan Alquran dan Hadis yang bertujuan mewujudkan suatu sistem jasa keuangan atauperbankan yang sehat, bebas dari sistem riba atau bunga. Produk-produk dalam Bank MuamalatIndonesia memiliki keanekaragaman di antaranya adalah produk pembiayaan KPRS iB Muamalatyang menggunakan dua akad, salah satunya ialah akad musyarakah mutanaqishah.Metodepenelitian yang digunakan adalah menggunakan pendekatan kualitatif deskriftif,lokasi dan waktu penelitian adalah bertempat di Bank Muamalat KCP Kolaka.Sedangkan instrument penelitian menggunakan pedoman obserVasi, pedoman wawancaradan pedoman dokumentasi. Teknik analisis datanya yaitu reduksi data, trianggulasidata, display data, serta Verifikasi data dan penarikan kesimpulan. Hasil penelitianmenunjukkan bahwa pegawai dan nasabah berkaitan dengan Manajemen resiko pembiayaanMusyarakah Mutanaqishah untuk Kongsi Pemilikan Rumah Syariah sudah efektif dalam mengatasipermasalahan yang dihadapi nasabah berkaitan dengan Upaya pemilikan rumah maupun ruko.hal tersebut di buktikan melalui manajemen resiko yang ada di Bank Muamalat. Meliputimanajemen resiko terhadap nasabah resiko operasional, resiko pemasaran, dan resikopersaingan.
Co-Authors Dewi Angriani Iye, Risman Kasmiah