Journal of Community Service and Empowerment
Vol. 7 No. 2 (2026): August

Building household financial resilience through integrated family-centred literacy and intergenerational learning

Ratna Marta Dhewi (Department of Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)
Nadhira Hardiana (Department of Public Finance Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)
Hurian Kamela (Department of Public Finance Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)
Krist Setyo Yulianto (Department of Public Finance Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)
Elvia Sebrianti (Department of Public Finance Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)
Saniyyatul Fitriyah (Department of Accounting, Faculty of Economics and Business, Universitas Terbuka, Tangerang Selatan, Banten 15437, Indonesia)



Article Info

Publish Date
03 Aug 2026

Abstract

Low-income urban areas continue to face the challenges of existing risks in terms of the family's limited knowledge of personal finance and the unavailability of entrepreneurship learning within the family unit. The challenge is observed in the Cipayung Urban Village in East Jakarta, Indonesia. Notwithstanding the availability of the Payung Tunas Teratai RTPRA Library and the engagement of the youth. The problem is resolved through the intervention program offered in this community service activity, which adopts a family-centred approach comprising youth entrepreneurship, collaboration between mothers and children, experiential learning, and environmentally responsible conditions. The study adopted a quasi-experimental approach with participation from 30 students in primary and low-secondary schools. The program was executed through a comprehensive structured three-level training. Observation, in-depth interviewing, and pre- and post-testing were employed. The data was systematically interpreted through a mixed-methods strategy comprising descriptive quantitative methodology. The research proves the effectiveness of the family-centred approach in improving the students' knowledge in terms of personal finance, saving habit, basic accounting knowledge, and introduced concepts for personal and family entrepreneurship. As a collective dimension of the research findings, the project proves that gamification strategies can have a profound potential in the family-centred approach.

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Journal Info

Abbrev

jcse

Publisher

Subject

Social Sciences Other

Description

This journal publishes articles on community service and empowerment results that are problem-solving, comprehensive, meaningful, and sustainable, with clear goals. Various community service and empowerment activities must have novelty (have innovation and creativity), so that they do not just ...