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All Journal Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Jurnal Pendidikan Terapan JURNAL EKONOMI BISNIS DAN MANAJEMEN AKPEM : Jurnal Akuntansi Keuangan Dan Akuntansi Pemerintahan Media Akuntansi Perpajakan Jurnal Ekonomi Bisnis dan Manajemen Phinisi Applied Accounting Journal Jurnal Akademik Pengabdian Masyarakat Journal of Innovative and Creativity Jurnal Ilmiah Manajemen dan Akuntansi Indonesian Journal of Innovation Multidisipliner Research
Ambarwati Akib
Universitas Negeri Makassar
Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Praktik Pengelolaan Keuangan di Kelurahan Tamallayang, Kecamatan Bontonompo AMBARWATI AKIB; NURKHOLIFAH BURHANUDDIN; NURUL EMIL SAFITRI; NADYA ANNISA NASRUDDIN; ANDI NURUL TENRIWALI HASANUDDIN
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 4 No. 3 (2026): Mei
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v4i3.9753

Abstract

Household financial management is a crucial aspect in maintaining family economic stability; however, the level of financial literacy among the community, particularly housewives, remains relatively low. This condition leads to inadequate financial planning, lack of transaction recording, and low saving behavior. This community service activity aims to improve the knowledge and skills of housewives in managing household finances through simple and practical financial literacy practices in Tamallayang Village, Bontonompo District. The methods used include counseling, interactive discussions, budgeting practice, and evaluation through pre-test and post-test. The activity involved 20 participants from the local community. The results indicate a significant improvement in participants’ knowledge, with the “good” category increasing from 25% to 85% after the training. This demonstrates that contextual and practice-based learning methods are effective in enhancing financial literacy. Therefore, this program successfully encourages more disciplined and planned financial behavior, contributing to improved family welfare. It is recommended that similar programs be implemented sustainably and expanded to achieve a broader impact.   Keywords.:financial literacy, financial management, housewives, community service, financial management practices
EARLY SUSTAINABLE FINANCE PRACTICES IN A REGIONAL DEVELOPMENT BANK BRANCH IN MAROS Ambarwati Akib; Adriansyah Adriansyah; Nurkholifah Burhanuddin
Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis Vol. 11 No. 1 (2026): Kurs : Jurnal Akuntansi, Kewirausahaan dan Bisnis
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/kurs.v11i1.6001

Abstract

Penelitian ini menganalisis praktik awal keuangan berkelanjutan pada Bank Sulselbar Cabang Maros sebagai cabang bank pembangunan daerah yang beroperasi dalam ekosistem ekonomi lokal. Isu ini penting karena praktik keberlanjutan pada tingkat cabang sering tidak terlihat dalam pelaporan keberlanjutan formal, padahal cabang menjadi penghubung langsung bank dengan pemerintah daerah, aparatur sipil negara, UMKM, dan masyarakat. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain studi kasus. Data utama diperoleh dari laporan wawancara lapangan tahun 2025, sedangkan data sekunder berasal dari regulasi keuangan dan literatur ilmiah tentang green banking, ESG, inklusi keuangan digital, dan tata kelola risiko perbankan. Data dianalisis secara tematik melalui empat dimensi, yaitu produk keuangan hijau, digitalisasi layanan, pembiayaan sektor produktif, dan tata kelola risiko. Hasil penelitian menunjukkan bahwa keuangan berkelanjutan pada cabang masih berada pada tahap inisiasi, yang tercermin pada pengembangan tabungan hijau, pembiayaan ramah lingkungan percontohan, mobile banking, integrasi QRIS dan e-wallet, kredit UMKM, serta penilaian risiko berbasis KYC, AML, SLIK, dan 5C. Penelitian menyimpulkan bahwa praktik cabang dapat mendukung keuangan berkelanjutan apabila diperkuat melalui dokumentasi, pemetaan portofolio, dan indikator risiko lingkungan-sosial. This study examines early sustainable finance practices at Bank Sulselbar Maros Branch as a regional development bank branch embedded in a local economic ecosystem. The issue is important because branch-level sustainable finance practices are often less visible in formal sustainability reporting, even though branches connect banks directly with local governments, civil servants, MSMEs, and communities. The research uses a descriptive qualitative approach with a case study design. Primary data were obtained from a 2025 field interview report, while secondary data came from financial regulations and scholarly literature on green banking, ESG, digital financial inclusion, and banking risk governance. The data were analysed thematically through four dimensions: green financial products, service digitalisation, productive-sector financing, and risk governance. The findings show that sustainable finance at the branch remains at an initiation stage, reflected in green savings development, pilot environmentally friendly financing, mobile banking, QRIS and e-wallet integration, credit provision for MSMEs, and KYC, AML, SLIK, and 5C-based risk assessment. The study concludes that branch practices can support sustainable finance when strengthened through documentation, portfolio mapping, and environmental-social risk indicators.
Co-Authors Adriansyah Adriansyah Adriansyah Andi Nurul Tenriwali Hasanuddin Dwi Utami Magfirah Wahyu Ramadhan Magfirah Wahyu Ramadhani Nadya Annisa Nasruddin Nurkholifah Burhanuddin Nurul Chalisa Majiding Nurul Emil Safitri Salma, Dini Kamilia Sri Utami sri.utami@unm.ac.id Yulianti Karoma