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Urecol Journal. Part B: Economics and Business
Published by Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY
ISSN : -     EISSN : 27971902     DOI : -
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Urecol Journal. Part B: Economics and Business is a peer-reviewed journal published by Konsorsium LPPM Perguruan Tinggi Muhammadiyah Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY. This scientific journal specifically discusses the findings, new methods, and research experiences in economics and business from the University Research Colloquium (URECOL) which is held twice a year
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 7 Documents
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Search results for , issue "Vol. 5 No. 2 (2025): August-Dec" : 7 Documents clear
Empowering Housewives Through Education on the Dangers of Usury in Family Financial Management in Kwagean Village, Stalang Firdaus Arjun; Nur Laili Hidayah; Shafrina Rizqi Jazilah; Suci Oktaviani; Icca Febita Prameswari; Afrida Widiyatni
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Family financial management issues often pose a challenge for housewives, particularly when disputes arise over usury-based loans that promise convenience but have negative long-term impacts. This study aims to examine efforts to empower housewives through education about the dangers of usury as a preventative measure in managing family finances healthily and in accordance with Sharia values. The method used was a qualitative descriptive approach with a case study of the housewives' community in Kwagean Village. The study results indicate that providing education about usury can increase financial awareness, foster a critical attitude towards consumer credit offers, and encourage housewives to manage their finances wisely and independently. This education also strengthens the role of mothers as the primary regulators of the family economy and agents of change in their communities. Thus, empowerment based on religious values is one strategic solution in creating family economic resilience.
Enhancing Financial Literacy and Digital Marketing for Garment Business Actors in Sastrodirjan, Dukuh Bleber to Support Local Economic Growth Firmanadi , M. Arianda Ihza; Ulumudin, Dimas Ihya; Trianasari, Ina; Mahabalillah, Mahabalillah; Putri, Karina Eka
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

This community service activity focuses on enhancing the financial literacy and digital marketing skills of Micro, Small, and Medium Enterprises (MSMEs) in the garment sector in Sastrodirjan Village, Dukuh Bleber, Wonopringgo District. Many garment MSMEs in this region face challenges in optimal financial management and the utilization of digital technology for market expansion and product promotion. Through a series of interactive training sessions, practical workshops, and personalized mentoring, this program will equip participants with the fundamentals of accounting, working capital management, digital marketing strategies (including social media optimization and e-commerce for fashion products), and appealing garment product photography techniques. It is hoped that this improvement in competence will not only enhance the competitiveness of garment MSMEs but also significantly drive local economic growth and the well-being of the Sastrodirjan Village community in a sustainable manner.
The Application of Wise Family Financial Management to Improve Household Welfare Zakiroh, Ainin; Lahmadini, Ersha Karima; Salsabila, Hana; Purnama, M. Wildan; Fajriyah, Nuniek Nizmah; Setiawan, Sigit Adi; Slamet, Slamet
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Wise management of family finances is an important factor in maintaining economic stability and household welfare, especially during economic uncertainty. Kwagean Village, Wonopringgo Sub-district, Pekalongan District, is an area where many families rely on small businesses and the informal sector, such as convection. However, financial management challenges often make it difficult for families to prioritize their needs and cope with daily economic pressures. Therefore, education and assistance on effective financial management are needed. The purpose of this community service is to increase families' knowledge and skills in Kwagean Village, Wonopringgo Subdistrict, Pekalongan, in conducting sound family financial management to improve their welfare and economic resilience amid dynamic economic conditions. This community service is delivered through interactive counseling and hands-on training that actively involves residents. The community service activities were held at one resident's house for one day, with participants from various families and youth groups. The facilitators were KKN students from Universitas Muhammadiyah Pekajangan, Pekalongan, who used a communicative, easy-to-understand approach and provided real examples tailored to local conditions. Participants understood how to manage finances in a more planned manner, live frugally, as well as
Family Financial Management In The Bumirejo Community, Pringlangu Subdistrict, Pekalongan District Hardianto, Dhiky; Nugraha, Danang Adi; Mediana, Visti; Ramadhanita, Winne Putri; Azzahra, Siti; Kurniati, Panca; Fajriyah, Nuniek Nizmah
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Introduction: Economic uncertainty, which is increasing due to global changes and local conditions such as inflation, has a direct impact on family financial stability. The community of Bumirejo, Pringlangu Village, Pekalongan Regency, faces challenges in managing family finances to meet basic needs and cope with economic pressures. Effective and planned financial management is crucial to maintaining family well-being during these difficult times. In response to these issues, a community service activity was conducted aimed at enhancing the community's ability to manage family finances effectively during times of economic uncertainty through education, practical guidance, and easily understandable support. The community service activity was implemented using an educational approach that directly involved families. Results: After the education, participants demonstrated improved knowledge and skills in creating family financial budgets, prioritizing expenses based on needs, and understanding the importance of setting aside emergency funds. The conclusion is that education and training in family financial management during times of economic uncertainty have a positive impact on improving community financial literacy. Many families have begun tracking their expenses and are committed to reducing unnecessary consumption-based spending. Awareness of the importance of disciplined financial management has also increased, which is expected to strengthen family economic resilience in uncertain situations. Recommendations include the need for continued mentoring and monitoring programs to ensure consistent implementation of financial management practices.
Training on Saving and Recording Money from an Early Age with Creative Paralon Piggy Banks and Financial Literacy for Students at Muhammadiyah Kramatsari Elementary School Niami, Nailatun; Ramadhanti, Nadina Intania; Fachrurrazi, Fachrurrazi; Ardiyansah, Feri Risqi; Arifiyanto, Muhammad
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

The habit of saving and recording money from an early age is an important foundation for developing a wise approach to managing finances. However, in reality, elementary school-aged children generally have limited awareness of the importance of saving and are not accustomed to tracking their expenses and income. The lack of financial education from an early age means that many children do not understand simple ways to manage their pocket money. Based on these conditions, a community service activity was designed that aims to provide basic financial training through a creative and fun approach. One of them is to introduce saving activities by making piggy banks from plastic and teaching how to record daily money simply. This activity is designed to make students more interested and to help them understand the importance of managing finances from an early age.
Improving Financial Planning Literacy and Investment Education for Teenagers in Dukuh Gamblok, Galangpengampon Village, Wonopringgo Subdistrict, Pekalongan Regency Maulid, Rifqi; Isna, Khomsatul; Risqiyana, Kholishotur; Nabila, Fatin; Ayuanda, Leila Nisya; Aisyah, Dewi Risqi
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

Low levels of education and limited access to information in Gamblok Hamlet, Galangpengampon Village, Wonopringgo District, Pekalongan Regency, are the main factors contributing to poor financial literacy among adolescents. Most adolescents in this area have completed only elementary or junior high school, so they lack an adequate understanding of the importance of financial planning and personal finance management. As a result, they are prone to consumer behavior, lack savings habits, and lack an understanding of the risks and benefits of investing. This community service activity aims to improve adolescent financial literacy by providing education tailored to participants' understanding levels. The implementation method includes interactive outreach involving discussions, simple budgeting simulations, educational games, and an introduction to basic, easy-to-understand investment instruments, such as savings and gold. The activity results showed a significant increase in participants' understanding of money management, the importance of distinguishing between needs and wants, and awareness of saving and of safe investments. This education not only provides knowledge but also encourages changes in behavior toward wiser personal financial management. This activity is expected to be the first step toward forming healthy financial habits, increasing economic independence, and paving the way for the socio-economic development of the younger generation in rural areas with limited access to education.
Family Financial Management Education as an Effort to Reduce Dependence on “Bank Tongol” in Sadran Puton Hamlet Al Mu’ta’zim, M. Tsany; Safira, Seena; Sofiyani, Anisa; Safira, Vina Aulia; Atmarini, Resti; Susiatmi, Sandi Ari; Kholidah, Nur
Urecol Journal. Part B: Economics and Business Vol. 5 No. 2 (2025): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Abstract

The dependence of rural communities on informal financial institutions, such as "bank tongol," remains a serious obstacle to building household economic resilience. This high-interest lending practice persists due to limited access to formal financial institutions and low levels of financial literacy. Sadran Puton Hamlet is one of the areas affected by this issue. Through the Community Service Program (KKN), financial management education was provided to 20 married couples to reduce reliance on informal loans. The materials covered included budgeting, financial recordkeeping, emergency funds, and an introduction to Islamic financing. The program results showed that participants created more structured, prioritized family financial plans, reducing their tendency to borrow from banks. This education is expected to be a first step toward financial independence and strengthening household economic resilience.

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