Family Financial Conditions Research Articles

Pelatihan Pengelolaan Keuangan untuk Keluarga : Mengelola Resiko dan Cerdas Finansial

This community service activity aims to increase the knowledge and skills of parents of Bandung Baptist Christian Junior High School students regarding families' financial planning and management to avoid family financial risk. This community service implementation method uses training with 25 participants, who are parents of students. The evaluation of this community service activity was carried out by conducting a survey to measure the reaction of participants, their knowledge level, and their change intention. Descriptive analysis was performed on the data collected. The results of the community service activity showed that more than 96% of the participants who attended found the activity relevant to their conditions. Additionally, 62% of the participants experienced an increase in knowledge regarding the concept of financial management, and all participants committed to taking concrete actions to improve their family's financial conditions, including avoiding debt, making financial records, using an application to simplify financial management, and setting a budget (financial prioritization).

The Detrimental Effects of Family Recession on Children’s Development Rights in Malaysia During the COVID-19 Pandemic

The World Bank reports that the Coronavirus pandemic (COVID-19) has sent the world economy into its greatest depression since World War II. To stop the fatal outbreak, massive shutdowns have crippled the world's economy. Due to the crisis, Malaysia's economic performance has deteriorated, necessitating economic adjustments. The major purpose of this article is to first expound on the link between family financial condition and children's rights implementation. The primary concerns about the violation of children's rights as a result of family recession are then investigated from the perspectives of welfare, protection, and development. This article is based on socio-legal research conducted in a qualitative manner. All data was gathered through library research and thoroughly analysed using the content analysis method. The study found that, the economic slump has had a significant impact on children's lives and development prospects, as well as their basic rights such as health, education, and participation. The consequences are particularly worse for underprivileged children, who are more vulnerable than others. Therefore, the government must continuously address economic stability and social protection aspects. Legal enforcement and collaboration between nations and communities must also continue to promote children's rights.

SUBJECTIVE ECONOMIC WELL-BEING OF BANK EMOK CUSTOMERS' FAMILIES: AN ANALYSIS OF DEBT BEHAVIOR, LIFESTYLE, ECONOMIC PRESSURE, AND FAMILY FINANCES

The utilization of money is not optimal, making the family's financial condition inefficient, which is why the family decides to get into debt at the Bank Emok. This study aims to analyze the influence of the family's debt behavior, lifestyle, economic pressure, and financial conditions (literacy and management) on the subjective economic well-being of Bank Emok customers in Bogor City. The research used a cross-sectional study design involving 150 families of Bank Emok customers selected by simple random sampling. The research instrument has adequate reliability and validity. The results of the analysis show that there are Bank Emok customers who are not categorized as poor. Many client families do not fulfill 12 years of primary education. Loans range from 2-16 million, with an average weekly installment of 138 thousand. As many as 26,7 percent of families fall into the category of high economic pressure, which is characterized by the difficulty of families in fulfilling food, education, and life skills. The results of the regression test show that the subjective economic welfare of families is positively influenced by lifestyle, financial literacy, financial management, number of dependents, length of wife's education, and length of loan. The analyzed model contributed 27,2 percent to the subjective economic well-being of families. Families are advised to start making financial plans and implement saving habits to be used in emergencies to improve the subjective economic well-being of the family.

Family Physical Economic Strength of Bank Emok Customer: An Analysis the Influence of Debt Behavior, Lifestyle, Economic Pressure, and Family Financial Conditions

Bank Emok is a mobile bank that uses a group mechanism that sits together (emok) every week for debt disbursement and a joint responsibility payment guarantee system. The purpose of this study was to analyze the influence of debt behavior, lifestyle, economic pressure, and family financial conditions (literacy, management, attitudes) on the physical economic strength of Bank Emok customers in Bogor, West Java, Indonesia. This cross-sectional study involved 150 families of Bank Emok customers who were selected by simple random sampling. The research instrument had adequate reliability and validity. The results of the analysis show that there are Bank Emok customer families who are not categorized as poor (71.3% with the Bogor poverty line; 52% with the World Bank poverty line). Quite a large number of wives (63.4%) and husbands (51%) did not complete basic education (12 years). The husband's main job is laborer/employee (47.3%) and 57% of the wives work in various jobs. Debts range from 2-16 million, the average installment per week is 138 thousand. As many as 26.7 percent of families fall into the category of high economic pressure, this is indicated by the difficulty of the family in fulfilling food, education and life skills. The results of the analysis show that the physical economic strength of the family is positively influenced by financial literacy, financial management, attendance mechanisms, the husband's length of education, and family income, and is negatively affected by the husband's age. The analyzed model contributes 27.9 percent to the physical-economic strength of the family. Families need to increase their understanding of basic financial concepts and spending priorities because they play an important role in increasing the physical-economic strength of families.

Manajemen Keuangan Rumah Tangga: Pengenalan Pengelolaan Keuangan Pada Ibu-ibu Peserta Program Keluarga Harapan (PKH) di Kelurahan Kroman, Kecamatan Gresik, Kabupaten Gresik


 
 
 
 
 Abstract
 
 Household financial management is an important thing to do in managing finances. Household Financial Management is the process of managing income, expenses, investments and savings in the family to achieve short-term and long-term financial goals. This introduction to financial management is important for PKH participant mothers so that financial conditions are better so that PKH participant mothers can have financial independence. The participants in this introduction to financial management were PKH participants in Kroman village, Gresik district, Gresik regency. This introductory activity begins with a presentation on the importance of household financial management, followed by a presentation and joint practice on managing household finances in a simple way that PKH participant mothers in the Kroman sub-district can do independently and easily remember. The results of this introduction to finance activity are that PKH participant mothers understand better that income and expenses should be calculated so that they can analyze the current family financial condition. In addition, PKH participants in Kroman district know that debt in the family cannot exceed the financial condition limit.
 
 Keywords: , Financial Management, Income, Expenditures, PKH Gresik
 
 
 
 

Internalization of Economic Education through Family Financial Management of Fishermen of Prigi Beach Watulimo Trenggalek East Java

The aim of this research is to describe the internalization of economic education in fishing families at Prigi Beach, Tasikmadu Village, Watulimo District, Trenggalek Regency through family financial management. The research used qualitative methods with 12 respondents who live in Tasikmadu Village. The results of the research show that in financial management fishing families do not record income and income, budget and make shopping lists. Deliberation with your partner is carried out to decide on mutual needs and prioritize needs over desires. When income increases, fishermen tend to realize needs that have been postponed, invest in jewelry and land, and save independently. The internalization of economic education in fishing families is mostly carried out by example through real practice in production and consumption activities, verbal explanations in the form of advice, as well as behavioral demands that are relevant to economic topics and open to the family's financial condition. Pocket money is a learning medium to provide confidence in managing children's money, advise children in determining their personal needs, teach them to save and set aside pocket money, and teach children discipline in carrying out consumption activities, such as asking permission.

The Association between Perceived Family Financial Stress and Adolescent Suicide Ideation: A Moderated Mediation Model.

Nowadays, suicide (especially adolescents' suicide) has been an increasingly prominent social problem worldwide; suicide ideation, as an important predictor, has been the focus of relevant studies and practices. Against this background, the present study aimed to examine the association between perceived family financial stress and adolescents' suicidal ideation, as well as the potential roles of depression and parent-child attachment. A sample of 526 junior middle school students was recruited voluntarily to participate in this cross-sectional study, and the results indicated that the prevalence of suicidal ideation among junior high school students was 15.45%; perceived family financial stress was positively associated with suicidal ideation, and depression could significantly mediate this relation; parent-child attachment significantly moderated the mediating effect of depression (in particular, the relation between depression and suicidal ideation); specifically, this relation was stronger among adolescents with lower values of parent-child attachment. These findings could deepen our understanding of the influences of perceived family financial condition and the risky factors of adolescents' suicidal ideation, which could provide guidance for the prevention and intervention of adolescents' depression and suicidal ideation.

Change and stability of migration intentions. Evidence from Italy

AbstractDue to a lack of relevant data, very few empirical studies have examined the changes in and stability of secondary migration intentions. We aim to fill this gap by analysing return migration intentions among international migrants in Italy. Data are drawn from the cross‐sectional SCIF survey conducted by ISTAT in 2011–2012. Our findings reveal that migration intentions at the beginning of the migratory experience tend to differ from those measured at more advanced migration stages (i.e. at the time of the survey). In particular, intentions to return seem less stable than intentions to stay. When confirming intentions to return or remain, critical factors include financial stability, family situation and ties with the country of origin and destination. Additionally, having an Italian partner, a partner living in Italy, and a positive self‐assessed family financial condition are positively associated with transitioning from a temporary plan to a permanent settlement intention.

Membangun Ketahanan Keuangan Keluarga Melalui Literasi Keuangan Di Desa Kotapulu

This activity aims to increase the understanding and knowledge of housewives in calculating and recording household cash receipts and disbursements properly so that there are no expenditures that are greater than income. So that the family's financial condition is always sufficient and has savings/investments for future needs, so that prosperity for the family is realized. The method used in this activity is by conducting discussions and coordination in advance with the village head and housewives. Participants take part in socialization with the classical method of providing material and followed by a question and answer session and practice/practice; presents a working paper that is filled according to the real conditions of the participants. The activity participants are housewives who do not work, housewives who work, and housewives who have their own business with an average educational background up to high school, as well as an economic background.

Family Social Environment as a Predictor of Orderly Behavior of Correctional Students

In the life cycle, from birth, humans are very dependent on the family environment because, at this time, the quality of life of a child is directly shaped and influenced by the care, support, stimulation, and education received from family members. Based on the data obtained, many cases of children occur in Indonesia and cause them to be held accountable before the law[ Novrianza I et al., 2022]. The cases he also experienced varied, ranging from mild to moderate to severe cases. Based on this, the family social environment is considered to be a factor causing criminal acts committed by children[ Keliat et al.,2019]. Therefore, the author tries to examine the description of the family social environment in students of child protection crimes with a research locus at the Maros Class II Special Child Development Institute. The research method used is a qualitative approach that focuses on what is in the field objectively without any manipulation. The results of this study show that a picture of the family environment (family social environment) in students of child protection crimes at the Maros class II special child development institution. There were 6 respondents with family type Achievement Orientation, 10 respondents with family type Moral Religious Orientation, 2 respondents with Intellectual Cultural Oriented Families family type, and 2 respondents with Conflict Oriented Families family type[ Matos-Melo et al., 2018]. These results show that the social environment of the child's family with criminal protection leads to Moral Religious Orientation which is contrary to personality theory, where Moral Religious Orientation certainly describes an individual with positive attitudes and behaviors, but nevertheless, some influences that make a child able to carry out these negative behaviors include internalization of a child that is not appropriate, especially in terms of moral absorption[Remmers T et al., 2014]. Norms and rules that apply in the family social environment, several factors that become challenges and obstacles in the formation of a family environment, namely adolescence which makes absorption of moral values, ethics and norms that must be considered, parental education that makes the basis of the mindset in the formation of children's character, family financial conditions in meeting children's needs, the large number of members in the family presents a challenge in dividing needs Whether it's financial or affectionate[ Hu et al., 2022]. The importance of the role of parents in supervising the environment around children and being an example for and being an example for child and the role of correctional officers in LPKA must prioritize the relationship between parents and children in the implementation of coaching.

Assistance for The Preparation of Simple Financial Reports to Pkk Women in Sidodadi Village Rt 06 Rw.06 Kalianyar Lawang

Family financial management is a way of managing financial allocationsfamily to meet current needs, future needs, and unexpected needs that affect the family's financial condition. The problem faced by housewives is that they are unable to plan and manage finances, they manage their finances in the traditional way. There is no record of incoming and outgoing money so that at the end of each month, the use of money cannot be controlled. This community service aims to provide assistance regarding the preparation of simple financial reports including family financial management for PKK RT 06 RW 06 Kelurahan Sidodadi Lawang. This assistance is carried out so that PKK RT 06 RW 06 Kelurahan Sidodadi Lawang can manage family finances so that they avoid debt due to too many expenses in carrying out daily activities.

Impact of The Existence of A Coffee Store on Family Economic Education and Interest in Entrepreneurship(Case Study in Sudimoro Malang Region )

The number of coffee shops in the Sudimoro area makes the Sudimoro area one of the centers for coffee shops in the city of Malang. Based on initial observations, it is known that the existence of a coffee shop in the Sudimoro area has an influence on the family's economic education and interest in entrepreneurship in the community around Sudimoro. This research uses a qualitative approach with the type of case study research. Data collection techniques in this study using observation and interviews. Techniques in data analysis are data collection, data reduction, data presentation, and data inference. The results of the study of the impact of the existence of coffee shops in the Sudimoro area of Malang on family economic education, namely parents familiarize children with saving, teach productive behavior, see future opportunities, be open about family financial conditions and involve family members in family financial planning, and get used to having In addition, the existence of a coffee shop in the Sudimoro Malang area has an impact on interest in entrepreneurship, namely families in the Sudimoro Malang area know knowledge about entrepreneurship, have an interest in entrepreneurship, have the intention and motivation in entrepreneurship.

Perencanaan dan Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19

This activity aims to provide training and understanding to the community on the importance of family financial planning and management. This activity was motivated by the current conditions of the Covid-19 pandemic. When the wheels of the economy became disrupted, many companies went out of business and went bankrupt, resulting in many companies that laid off their employees. This will undoubtedly have a significant impact on disrupting the family economy on a small scale and the country's economy on a larger scale. Therefore, this service activity needs to be carried out because, through the ability to plan and manage sound finances, it is believed that it will help the family in planning their grievances so that financial problems can be minimized. The activities carried out were workshops and seminars involving homemakers in Padang. The selection of homemakers in this activity was because a mother is a financial manager in a family. So that the mother's ability to manage finances determines the family's financial condition, this activity was carried out for one day. The result of this activity was an increase in the ability of homemakers to manage and plan finances.

Family Factors and Major Depression in Macau Adolescents

Objective: Aim of this study is to investigate the current condition of adolescent depression in Macau and its relation with family factors, and to provide a reference for formulating policy about the issue Material andMethods: The study used randomised multistage stratified cluster sampling. In March 2021, all students in normal education from Form 1 to Form 6 in day Secondary schools were eligible for study sampling. Patient Health Questionnaire-9 (PHQ-9) used to assess depression severity and a self-formulated questionnaire for investigation of family-related factors.. Results: There was total of 939 validated questionnaires, major depression occurred in 16.4% of the study samples, more females had depression than males (21.8% and 11.4%, respectively). Among all family factors, low-income family financial condition (monthly income <10000 MOP) (OR=2.71, 95% CI 1.02-7.21), parents not caring (OR=2.18, 95% CI 1.01-4.69), poor relationship with parents (OR=3.01, 95% CI 1.53-5.91) and often quarrel with parents (OR=3.39, 95%CI 2.12-5.42) had significant correlation with adolescent major depression. The study also noted that female adolescents with major depression were more affected by family factors. Conclusion: According to study results, Family factors and adolescent depression has correlation, it is advised that family intervention can be used as a reference for strategies on improving the adolescent depression problems.

Impact of Family Functioning, Family Violence and Other Factors on Juvenile Delinquency

Background: Juvenile delinquency is the act of participating in unlawful behavior as minors or individuals younger than the age of majority. Nepal shows an increasing trend of violent crimes committed by a juvenile.
 Objective: To examine the impact of family functioning, family violence, and other family factors on juvenile delinquency.
 Materials and Methods: The study is a case-control study based on primary data collection of 354 respondents which include equal number of juvenile delinquents as cases taken from juvenile correction homes and school students as controls who have never been convicted for any act of juvenile delinquency. Data was collected through the convenience sampling method. Structured questionnaire was used to collect data on demographic, socioeconomic, individual and family factors. Bivariate and logistic regression analysis were performed to determine which factor act as a risk or protective factor for juvenile delinquency.
 Results: From bivariate analysis, family factors such as family functioning, parental monitoring, parental involvement, parental supervision, and parental attachment were found higher in controls than cases. However, family violence was found higher in cases than control group. Further, from fitted logistic regression child age, aggressive behavior, family structure, family financial condition, punitive parenthood, mother education level, and parental attachment were found significant factors impacting on juvenile delinquency.
 Conclusion: This study revealed that age, aggressive behavior, family structure, and family financial condition are the risk factors for juvenile delinquency. Further, mother education, punitive parenthood, and parental attachment are found protective factors for juvenile delinquency.

Longitudinal predictors for incidence of internet gaming disorder among adolescents: The roles of time spent on gaming and depressive symptoms

IntroductionInternet gaming disorder (IGD) was popular among adolescents worldwide, but whether some associated factors could contribute to the development of IGD was unclear. This longitudinal study explored the temporal stability of IGD over one year and determined the predictors for IGD incidence. MethodsParticipants were 1121 adolescents from six junior high schools in Shanghai, China (50.6% males; median age = 13.0 years). The baseline and follow-up questionnaire survey measured IGD, time spent on gaming, depressive symptoms, insomnia condition, substance use and background variables from 7th to 8th grade. Multivariate logistic regression analysis was conducted to test the associations between other factors and IGD incidence. ResultsIGD incidence was 7.7% at one-year follow-up. Gender, family financial condition, parental educational level, time spent on gaming, insomnia condition and depressive symptoms were associated with IGD incidence in univariate analysis, whereas only gender, family financial condition, time spent on gaming and depressive symptoms were associated with IGD incidence in multivariate logistic regression. ConclusionsIGD might persist for years during adolescence. After controlling for sociodemographic factors, time spent on gaming and depressive symptoms were independent predictors for IGD incidence.

Analyzing the Challenges of Implementing Online Classes in Developing Countries during COVID-19 Outbreak: A Perspective from Bangladesh

COVID-19 has posed a significant threat to the global education system. Rethinking alternative classes for continuing education is the central issue for coping with the new-normal system. The study aims to seek the preparedness and practicality of online education in developing countries from Bangladesh's perspective. The study examined primary data collected through a survey. In line with the descriptive analysis of the collected data, a logistic regression model has been applied to justify the hypotheses. Among sixteen variables, we have found seven variables that significantly impact the students’ opinion regarding conducting classes in online. The findings show a positive association of lack of high internet speed, frequent disconnection issues during class time, mental stress about COVID-19, lack of engaging course contents, and deteriorating family financial condition with students' unwillingness towards online class during COVID-19.The study also revealed that students who have technical expertise in online classes are more interested in this type of class format. In this changing circumstance, online class format is an alternative channel to maintain the continuity in higher studies in Bangladesh. Thus the educational institutions can arrange training programs for teachers to improve the course contents. The institutions can also support the students by providing financial assistance for purchasing devices, internet data packages, guidelines for joining in online class and consulting to relieve mental stress. The government can also play a significant role by ensuring nationwide high-speed internet service and subsidy to purchase internet data for the students. Journal of Business Studies, Vol. XLII, No. 1, April 2021 Page 133-150

Pelatihan Pengelolaan Keuangan Rumah Tangga Bagi Ibu-Ibu Rumah Tangga Di Cengkareng Barat Wilayah Jakarta Barat

This activity aims to increase understanding and knowledge of housewives in calculating and recording the receipt and expenditure of household cash properly so that expenses do not occur greater than income. So that the family's financial condition is always sufficient and has savings/investment for future needs so that welfare is realized for the family. The method used in this activity is in the form of training or short household financial management training using the financial management module. Participants are given training with activities using the classical method of giving material and followed by question and answer sessions and exercises/practices; the provision of working papers filled in accordance with the real conditions of the participant. Participants in the activity are housewives who do not work, housewives who work, and housewives who have their own business with an average educational background through high school, as well as the economic background of middle and lower families can attend training well and enthusiastically.
 Keyword: Household financial management, family welfare

Empirical Study of Intergeneration Transmission of Factors among the Women Working in the Informal Sector

Women workers in Informal sector contribute significantly towards the transmission of physical, financial, economic, social and cultural factors intergeneration. The attempts to give insight into how the factors such as economic condition, living conditions, basic amenities, reason for work, status in family financial conditions, social and working conditions are transmitted and how significant is the contribution of attributes when they worked as a child, and as an adult. The working women in Informal sectors have neither change nor significant improvement in the factors under consideration despite working as child, adult and as they grew old. The objective of the paper is to find out the intergeneration transmission of factors depending on the stage of generation among the working women in Informal sectors. The research methodology adopted is descriptive and explanatory in approach. Primary data has been collected through structured interview schedule. The sample size is 485 female workers working in Informal sector. The research paper has implications for managers and researchers.

Interpretasi Dampak Keuangan Keluarga Tenaga Kerja Wanita (Studi Fenomenologi TKW Pamekasan yang Berimigrasi ke Saudi Arabia dan Malaysia)

This research tries to reveal how far the financial impact of migrant workers who migrate to Saudi Arabia and Malaysia. The method used is qualitative / non positivistic method (Non Mainstream) through understanding method (verstehen) with Interpretive Paradigm and Husserl Transcendental Phenomenology approach. The main informants in this study as many as 6 people while the relevant institutions, researchers made a second informant to confirm data about TKW. This research reveals that the financial impacts of TKW Pamekasan families who immigrated to Saudi Arabia and Malaysia do exist, although they are not very significant, but in their view are significant because they bring a lot of changes to their lives, especially in the form of "house and land assets", their children's education, Family life left behind and can pay family debts for some TKW indebted. The TKW Pamekasan has been able to change the original residence of "gedek" into a permanent building. In terms of education some TKW have managed to send their children to the level of secondary education and some even until college graduation. In addition, other financial impacts are the availability of venture capital for them to open new businesses either in the form of small "pracangan" stores or other businesses as a guarantee to survive after their return to Indonesia. While the other impact of "intangible property" that is in the form of satisfaction of the heart because it can fulfill the pillars of Islam to Lima (pilgrimage) for migrant workers who immigrate to Saudi Arabia.Keywords: Immigration, Family Financial Condition, Female Labor