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All Journal Jurnal Ilmiah Manajemen Kesatuan Advances in Community Services Research
Hukma Ratu Purnama
Universitas Muslim Indonesia, Indonesia
Economics, Econometrics & Finance Social Sciences Other

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Community Decision-Making Pathways and Collective Mechanisms Shaping Economic Resilience in the Spermonde Islands Hukma Ratu Purnama; Syamsu Nujum; Fadhila Ratu Pratiwi
Jurnal Ilmiah Manajemen Kesatuan Vol. 14 No. 2 (2026): JIMKES Edisi March 2026
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v14i2.4942

Abstract

The Spermonde Islands, a biodiversity-rich coastal area, face escalating ecological and socioeconomic pressures, such as overfishing, pollution, coral bleaching, and shifting fish patterns, which heighten the economic vulnerability of fisher households lacking alternative livelihoods and resilience to climate and economic shocks. This research aims to uncover the community decision-making pathways that shape local economic resilience in post-crisis areas by examining the processes, patterns, and factors that influence community collective decisions in response to ecological pressures and structural change. Using an exploratory qualitative approach based on a case study in the Spermonde Islands, data were collected through in-depth interviews. The results show that local economic resilience is shaped by three main decision paths, namely diversification of livelihoods to reduce vulnerability, strengthening social networks and local institutions as a collective mechanism to face uncertainty, and adjusting coastal resource utilization strategies to ecological change. This study emphasizes that the capacity of communities to make adaptive decisions is an important determinant in maintaining the economic sustainability of the post-crisis region and contributes to the development of community-based economic resilience theories and the formulation of coastal development policies that are responsive to climate change.
Financial Literacy and Capital Access Training for Women Microentrepreneurs Muhammad Abduh; Hukma Ratu Purnama; Muhammad Dzaky Firdaus; Muliadi Bandu
Advances in Community Services Research Vol. 4 No. 1 (2026): September - Februari
Publisher : Yayasan Pendidikan Bukhari Dwi Muslim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60079/acsr.v4i1.669

Abstract

Purpose: This Community Service Activity (PKM) aims to improve women micro-entrepreneurs' understanding of financial literacy and business financial management, and to expand their access to formal capital. The program is designed to strengthen participants' capacity to manage business finances effectively and utilize various safe and legal sources of capital. Research Design and Methodology: The PKM program was implemented using a socialization, education, and practical training approach through presentations, discussions, question-and-answer sessions, and demonstrations of simple bookkeeping. Participants were also introduced to financial technology, such as digital wallets, and strategies for obtaining financing from formal financial institutions. The program targeted 15–25 women micro-entrepreneurs from the PKK group in Padanglampe Village. Findings and Discussion: This activity successfully increased participants' understanding of the importance of structured business financial management and the use of financial technology to support business operations. Participants gained insight into formal sources of capital and understood the risks of informal loans. They also showed enthusiasm for applying simple bookkeeping and learning strategies to secure capital from formal financial institutions. Implications: This program makes an essential contribution to promoting women's economic independence in rural areas and strengthening community financial literacy. It is hoped that this activity will become a sustainable model that can be replicated in other target areas while also supporting the long-term capacity-building of women's MSMEs.
Co-Authors Fadhila Ratu Pratiwi Muhammad Abduh Muhammad Dzaky Firdaus Muliadi Bandu Syamsu Nujum