scholarly journals Accounting Training Module Development to Boost Agriculture Financial Literacy on Palm Farmers

2017 ◽  
Vol 10 (9) ◽  
pp. 78
Author(s):  
Henny Triyana Hasibuan ◽  
Danardana Murwani ◽  
Sri Umi Mientarti Widjaja ◽  
Mit Witjaksono
Keyword(s):  
Palm Oil ◽  
Financial Literacy ◽  
Financial Management ◽  
Lesson Plan ◽  
Model Development ◽  
Cost Calculation ◽  
Training Module ◽  
Community Members ◽  
Module Development ◽  
Interest And Motivation

This research aims to develop agriculture accounting training module in order to increase palm oil farmer financial literacy, in this case farmers in Donomulyo, Malang Regency, Indonesia. The method utilized in model development is Design Based Research using the following progression: problem identification, explanation of goals, design and development of artifacts, artifact testing, evaluation on artifact testing, and communication of artifact testing result. Examination was conducted on 25 palm oil farmers, through individual learning on agriculture accounting training to increase financial literacy. Module effectivity was determined should 50% of community members apply separate accounting records for agriculture and household respectively. Module development result has been validated and revised by economy lesson plan experts, education media experts, and agriculture accounting experts. Module composition consists of Chapter 1 (An Introduction to Agriculture Accounting), Chapter 2 (Accounting Basic Procedure), Chapter 3 (Agriculture Break Event Point), Chapter 4 (Agriculture Opportunity Cost Calculation), Chapter 5 (Palm Oil Farmer Household Financial Management). Graphic design provides colorful layout to increase learners’ interest and motivation to learn module content. 76% of the total number of participating farmers have utilized modules and implemented accounting in daily life.

scholarly journals NILAI MANFAAT DAN TINGKAT PENERAPAN MATERI PELATIHAN LITERASI DAN EDUKASI KEUANGAN (PLEK)

2021 ◽  
Vol 1 (1) ◽  
pp. 51-55
Author(s):  
NINING HARIYANI
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Management Training ◽  
Daily Activities ◽  
Training Module ◽  
Outcome Indicators ◽  
Purposive Sampling ◽  
Finance Management ◽  
Training Materials ◽  
Education Training

The lack of awareness and ability in recording and managing the finances of farming and farmer households causes farmers can’t get a real of their welfare. Farmers are still oriented to production activities and have not led to a profitable business through professional financial management. Training is one of the activities carried out as an effort to provide financial literacy and education for farming and farmer households. This study aims to determine the value of benefits and the level of application of financial literacy and education training materials which consist of 2 core materials, namely farming finance management and household financial management. The research method uses purposive sampling with 29 respondents from the Tuban, Ngawi, Lamongan, Madiun and Jombang regencies of East Java Province as participants in financial literacy and education training in 2019 and 2020. The results showed that the two materials were considered useful about 4.35 and 4.27 and the level of application of the materials was still at 50% or about 3.23 and 3.07 from the specified learning outcome indicators. The value of benefits is positively correlated with the application of the two training materials.It is necessary to improve the training module to make it simpler, easier to understand and aplicable by participants as well as intensive assistance from local extention officer so the material can be applied more optimally in farmer daily activities. ABSTRAKRendahnya kesadaran dan kemampuan dalam pencatatan dan pengelolaan keuangan usahatani dan rumah tangga petani menyebabkan kesejahteraan kurang dirasakan oleh petani. Petani selama ini masih berorientasi pada kegiatan produksi dan belum mengarah pada bisnis yang menguntungkan melalui pengelolaan keuangan yang profesional. Pelatihan merupakan salah satu kegiatan yang dilakukan sebagai upaya untuk memberikan literasi dan edukasi keuangan baik usahatani maupun rumah tangga petani. Penelitian ini bertujuan untuk mengetahui nilai manfaat dan tingkat penerapan materi pelatihan literasi dan edukasi keuangan yang terdiri dari 2 materi inti yaitu pengelolaan keuangan usahatani dan pengelolaan keuangan rumah tangga. Metode penelitian menggunakan purposive sampling dengan responden alumni peserta pelatihan literasi dan edukasi keuangan tahun 2019 dan 2020 yang berasal dari Kabupaten Tuban, Ngawi, Lamongan, Madiun dan Jombang Provinsi Jawa Timur sebanyak 29 orang. Hasil penelitian menunjukkan bahwa kedua materi dinilai bermanfaat yaitu sebesar 4,35 dan 4,27 serta tingkat penerapan materi sebesar 3,23 dan 3,07 atau masih 50% dari indikator hasil pembelajaran yang ditetapkan. Nilai manfaat berkorelasi secara positif terhadap penerapan kedua materi pelatihan. Perlu perbaikan modul pelatihan agar lebih sederhana, mudah dipahami dan diterapkan oleh peserta serta pendampingan yang intensif dari penyuluh pertanian setempat agar penerapan materi lebih optimal dan bermanfaat dalam kegiatan sehari-hari.

PENGARUH TRANSPARANSI PENGELOLAAN KEUANGAN DANA DESA DAN PEMBERDAYAAN MASYARAKAT TERHADAP KESEJAHTERAAN MASYARAKAT DESA SIDOHARJO

2020 ◽  
Vol 28 (1) ◽  
pp. 35-50
Author(s):  
Dewi Kusuma Wardani ◽  
Ratih Ranika Putri Utami
Keyword(s):  
Financial Management ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Community Empowerment ◽  
Primary Data ◽  
Community Members ◽  
The People ◽  
Quantitative Descriptive ◽  
Positive Effect

This study aims to determine the effect of transparency in financial management of village funds and community empowerment on community welfare in Sidoharjo Village, Tepus District, Gunungkidul Regency. This research method uses quantitative descriptive methods and primary data using questionnaires. This study took a sample of residents who were divided into 11 hamlets in Sidoharjo Village, Tepus District, Gunung kidul Regency. The sampling technique is stratified random sampling. Data collection is done by distributing questionnaires directly to people’s homes, attending social gatherings and routine meetings held by community members. It aims to obtain more data from respondents directly. The number of questionnaires processed was 120 questionnaires. Data were analyzed using multiple linear regression analysis. The results of this study indicate that community empowerment has a positive effect on the welfare of the people of Sidoharjo Village, Tepus District, Gunungkidul Regency, while transparency in financial management of village funds does not affect the welfare of the community in Sidoharjo Village, Tepus District, Gunungkidul Regency.

Financial Literacy Education Through Fiqh Mu'āmalāt Learning

2019 ◽  
Author(s):  
Adib Rifqi Setiawan
Keyword(s):  
Research And Development ◽  
Financial Literacy ◽  
Lesson Plan ◽  
Literacy Education ◽  
Assessment Instrument ◽  
Learning Program ◽  
Development Study

The goal of this research and development study is to gain the design for financial literacy education through fiqh mu’āmalāt learning program. It was gained a syllabus that completed by lesson plan, student worksheets, nor assessment instrument as well, that validated by experts and practitioners and reliability counted based on test.

Assessment Instrument of Fiqh Mu'āmalāt Learning with Financial Literacy Oriented

2019 ◽  
Author(s):  
Adib Rifqi Setiawan
Keyword(s):  
Secondary Education ◽  
Survey Research ◽  
Internal Consistency ◽  
Financial Literacy ◽  
Lesson Plan ◽  
Assessment Instrument ◽  
Validity And Reliability ◽  
Cross Sectional Survey ◽  
Cross Sectional

The goal of this cross-sectional survey research was to find the validity and reliability of assessment instrument for fiqh mu'āmalāt learning with financial literacy oriented for secondary education. To reveal validity is assessed based on obtain judgement expert and reliability measured by internal consistency. It was gained that the validity is 7 items very feasible and 5 item quite feasible with reliability’s value is 0,763. This finding shows that assessment instrument can be used to analyze difficulties of students for designing lesson plan of fiqh mu'āmalāt learning with financial literacy oriented.

Taking Financial Literacy Downtown: Leveraging Community Partnerships to Increase Communication of Essential Financial Information in an Urban Area

2021 ◽  
pp. 001312452110638
Author(s):  
Lindsay Neuberger ◽  
Deborah A. Carroll ◽  
Silvana Bastante ◽  
Maeven Rogers ◽  
Laura Boutemen
Keyword(s):  
Focus Groups ◽  
Urban Communities ◽  
Financial Literacy ◽  
Community Partnerships ◽  
Wealth Accumulation ◽  
Community Members ◽  
Financial Outcomes ◽  
Research Findings ◽  
Credit Scores ◽  
Priority Populations

Financial illiteracy is a systemic issue across the country, especially among lower-income individuals in urban communities. This low level of financial literacy often leads to higher levels of debt, lower credit scores, less wealth accumulation, and poor retirement planning. Increasing financial literacy in these priority populations can be effective in combatting some of these negative financial outcomes. This study emerged from a partnership between community organizations in a large urban metropolitan area and scholars from diverse disciplinary backgrounds. Guided by formative research principles, this manuscript reports on research findings derived from several focus groups with community members. These focus groups helped to identify existing perceived financial knowledge levels, categorize barriers to enhancing financial literacy, and illuminate potentially pathways to effective financial literacy program development.

Struggling to make ends meet: can consumer financial behaviors improve?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Lisa K. Meneau ◽  
Janakiraman Moorthy
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Group Analysis ◽  
Self Control ◽  
Thinking Styles ◽  
Financial Health ◽  
Content Type ◽  
Financial Behaviors ◽  
Financial Products ◽  
The Impact

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyzed using generalized structured component analysis (GSCA), a component-based structural equation model. The mediation effect of self-control is assessed using the GSCA. The conditional mediation of demographic variables and use of personal financial management products are evaluated using multi-group analysis (MGA) in GSCA.FindingsAntecedents, financial literacy, thinking styles and self-control consumer characteristics are predictors of financial behaviors. However, self-control plays a more prominent role as a mediator between the other variables, strengthening the overall relationship. Also, financial products can have a beneficial moderation effect assisting those consumers who need them the most.Practical implicationsThese insights help in creating target specific financial literacy strategies to influence consumers' financial behaviors. Also, there is a need to develop mechanisms to influence a consumer's self-control and thinking styles to improve financial behavior. In conjunction with other initiatives, the impact of financial literacy has a greater effect on financial behaviors. Further, the insights assist financial institutions and financial technology firms in offering and creating products to help customers make better financial decisions and improve their financial behaviors.Social implicationsThe research addressed a significant global issue – consumer financial health. The Great Recession and the COVID-19 recession highlight the need to focus on the consumer and efforts to improve their financial health.Originality/valueThis research highlighted the mediating role of self-control and suggested that existing and future financial products can positively influence consumer behavior drivers.

Living beyond one’s means: evidence from Malaysia

2015 ◽  
Vol 43 (1) ◽  
pp. 2-18 ◽  
Author(s):  
Yiing Jia Loke
Keyword(s):  
Low Income ◽  
Financial Literacy ◽  
Financial Distress ◽  
Financial Management ◽  
Practical Knowledge ◽  
Financial Education ◽  
Financial Knowledge ◽  
Content Type ◽  
Explanatory Variables ◽  
Financial Behaviour

Purpose – The purpose of the paper is to identify the determinants of the probability of living beyond one’s means. The paper also explores the coping mechanisms of those financially distressed as well as the debt taking behaviour of consumers. Design/methodology/approach – The study uses data obtained from the OECD International Network on Financial Education pilot study on Measuring Financial Literacy in 2010 for the case of Malaysia. A logistic regression model is used to identify the main determinants of the probability that a consumer will live beyond his/her means. The analysis is carried out by using a set of socio-economic factors and the individual’s financial behaviour and attitudinal characteristics as explanatory variables. Findings – The findings indicate that low income and seasonal income earners are more vulnerable to financial distress. Furthermore, having a higher education, higher financial knowledge and prudent financial behaviour and attitude do not necessarily translate into better financial management. Family and friends provide the main source of financial assistance in times of need. Research limitations/implications – The assessment of financial knowledge should go beyond individual’s knowledge on financial concepts and theories. Practical knowledge on financial and cash flow management should be assessed. Practical implications – The study reiterates the importance of financial education. It is imperative to include financial education as part of the schools’ curriculum and also to be incorporated as part of the Continuous Professional Development modules for working adults. Originality/value – The study is based on the first nationwide study of consumer finances in Malaysia. It contributes to the literature by integrating financial behaviour and attitudinal factors into the analysis of the ability of individuals to live within their means. The findings also show the limitations of the existing self-assessment of financial behaviour and attitude and the assessment of financial knowledge.

scholarly journals Financial Attitude and Management of Public School Teachers in Tanjay City

2020 ◽  
Vol 3 (2) ◽  
pp. 11-12
Author(s):  
Benjamin S. Villagonzalo, Jr. ◽  
Rizalie N.E. Mibato
Keyword(s):  
Elementary School Teachers ◽  
Financial Literacy ◽  
Financial Management ◽  
Role Models ◽  
Public School Teachers ◽  
Monthly Income ◽  
School Teachers ◽  
School Year ◽  
Significant Difference ◽  
Civil Status

Teachers are influential individuals in the society.  They can positively influence various aspects of people's lives.  If financially learned, they can become role models for students and help develop a financially responsible family.  Thus, teachers are key contributors to the development of society.  This study aimed to assess the degree of financial attitude and the level of financial management of public elementary school teachers in Tanjay City, Negros Oriental during the School Year 2019-2020 as a whole and when grouped according to age, sex, civil status, educational attainment, family monthly income, and location of residence. It also sought to establish if there is a significant difference in the degree of their financial attitude and their level of financial management when they are grouped according to the variables.  It also determined if a significant relationship exists between financial attitude and financial management.  Findings were used for a financial literacy program that seeks to improve the financial attitude and financial management of the said teachers. 

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