Investigating Family Vulnerability, Financial Attitudes and Debt Behavior of Bank Emok Borrowers DOI Creative Commons

Rima Syifani Fuadah,

Euis Sunarti,

Syifa Istighfarani

et al.

Journal of Consumer Sciences, Journal Year: 2024, Volume and Issue: 9(3), P. 388 - 408

Published: Nov. 29, 2024

Bank Emok continues to be a significant part of family finances despite the high-interest burden associated with it. is an informal financial institution in Indonesia that provides money-lending services community by traveling or visiting customers directly. This study analyzes influence vulnerability and attitudes on debt behaviors among families who are Emok. Conducted as cross-sectional sample 150 wives selected through simple random sampling Tanah Sereal Sub-district Bogor City, results show almost half exhibit low vulnerability, attitudes, moderate behavior. Family shows difference between poor non-poor according 1.5x City’s World Bank’s Poverty Line 2022. Regression tests showed length husband's education, per capita income, attendance mechanisms had positive effect In conclusion, decrease increase toward behavior, it important for improve their manage household skills management training conducted at each meeting.

Language: Английский

KEINGINAN KELUARGA MENGHENTIKAN PINJAMAN BANK EMOK: POTRET TEKANAN EKONOMI, MANAJEMEN KEUANGAN, DUKUNGAN SOSIAL, DAN LINGKUNGAN KELUARGA DOI Creative Commons
Euis Sunarti,

Sri Ajrania,

Diah Krisnatuti Pranadji

et al.

Jurnal Ilmu Keluarga dan Konsumen, Journal Year: 2024, Volume and Issue: 17(3), P. 247 - 262

Published: Oct. 31, 2024

Banyak keluarga terjebak menjadi nasabah Bank Emok dalam waktu cukup lama dan memberikan tekanan kepada keluarga. Penelitian ini bertujuan untuk mengelaborasi keinginan menghentikan pinjaman dari faktor yang memengaruhinya (tekanan ekonomi, manajemen keuangan, dukungan sosial, lingkungan keluarga). melibatkan 120 di Kabupaten Kota Bogor. Keluarga ingin dengan segera menyelesaikan cicilan (90%) tidak meminjam lagi (85%). Tekanan ekonomi tinggi. Sebagian besar memiliki tabungan enam bulan kebutuhan pendapatan lebih kecil pengeluaran. Hampir semua berutang kurang 50 persen aset Alasan utama modal usaha darurat paling sering meminta atau bantuan tetangga. mengaku mengenal baik masyarakat, saling hormat, peduli pada lansia. Hasil PLS menunjukkan bahwa makin tinggi skor keluarga, maka pinjaman. disarankan meningkatkan keuangannya, utamanya menabung sudah diketahui maupun darurat.

Citations

0
Investigating Family Vulnerability, Financial Attitudes and Debt Behavior of Bank Emok Borrowers DOI Creative Commons

Rima Syifani Fuadah,

Euis Sunarti,

Syifa Istighfarani

et al.

Journal of Consumer Sciences, Journal Year: 2024, Volume and Issue: 9(3), P. 388 - 408

Published: Nov. 29, 2024

Bank Emok continues to be a significant part of family finances despite the high-interest burden associated with it. is an informal financial institution in Indonesia that provides money-lending services community by traveling or visiting customers directly. This study analyzes influence vulnerability and attitudes on debt behaviors among families who are Emok. Conducted as cross-sectional sample 150 wives selected through simple random sampling Tanah Sereal Sub-district Bogor City, results show almost half exhibit low vulnerability, attitudes, moderate behavior. Family shows difference between poor non-poor according 1.5x City’s World Bank’s Poverty Line 2022. Regression tests showed length husband's education, per capita income, attendance mechanisms had positive effect In conclusion, decrease increase toward behavior, it important for improve their manage household skills management training conducted at each meeting.

Language: Английский

Citations

0