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PLoS ONE ◽  
2022 ◽  
Vol 17 (1) ◽  
pp. e0262301
Author(s):  
Carol Bruce ◽  
Maeve E. Gearing ◽  
Jill DeMatteis ◽  
Kerry Levin ◽  
Timothy Mulcahy ◽  
...  

In May 2020, Westat, in partnership with Stanford University School of Medicine, conducted a nationally-representative household survey of American attitudes and behaviors regarding COVID-19. In this article, we examine what the Coronavirus Attitudes and Behaviors Survey tells us about the impact of COVID-19 on financial status and how this impact varies by demographic characteristics, the presence of health risk factors, and financial status (including employment factors). The survey reveals significant inequality in financial impact, as those who were most financially vulnerable prior to the pandemic found themselves under greater financial strain, while those who were more financially secure have experienced a neutral or even positive impact of the pandemic on household finances. These findings have important implications for public policy as policymakers seek to target aid to those who need it most.


Author(s):  
Aqim Adlan

This study aims to actualize the management of household finances based on Islamic economics in female congregations of the Al-Muttaqin Mosque. This is because in the Covid-19 pandemic situation, the family is one of the components affected by economic stability. Thus, through the model of empowering family financial management based on Islamic economics for the female congregation of the Al-Muttaqin mosque, it is very important. Through very in-depth mentoring and study, this work resulted in the finding that in the era of the Covid-19 pandemic, the management of household finances based on Islamic economics for the female congregation of the Al-Muttaqin mosque is very important because the situation and economic downturn have an impact on household finances. So that the management of household finances based on Islamic economics becomes a solution.


Author(s):  
O. Yudina

The article is devoted to the comparative analysis of the essence of consumer and credit cooperatives in the context of attracting citizens' funds, the transformation of their economic processes and functions in the genesis of microeconomic development. The research is based on the analysis of historical documents and Russian publications, as well as on statistical conclusions of economic data. The aim of the study was to study the evolution of consumer societies and credit cooperatives as instruments for attracting household finances on the example of Russian and foreign companies since the middle of the XIX century. Semantic definitions of the categories consumer society and consumer credit cooperative, tasks and historical stages of the development of the studied communication tools in the field of attracting the means of the population are determined. The author's experience of comparative characteristics of the analyzed economic entities is proposed, reflecting the risks, advantages and disadvantages of the studied communication objects. The functions of the Bank of Russia as the main regulator of consumer credit cooperatives are disclosed. The final results of the study substantiate the importance of financial literacy and present an algorithm that allows the population to distinguish the legal activities of consumer credit cooperatives from fraudsters.


Author(s):  
Phima Ruthia Dwikesumasari ◽  
Yanuar Nugroho ◽  
Anisa Fitri Sya’bania

AbstractThe business management of SMEs in the Genteng Kreatif Community that has been carried out so far can no longer be continued, because according to economic principles, business should experience escalation up or increase in business economics because human needs will increase in addition to the inflation rate that has not been controlled due to the impact of the economic crisis. Covid-19 pandemic will always cause the price of raw materials to be unaffordable. SMEs in the Genteng Kreatif Community have not been able to see how much net profit they actually get from their business. This is because they almost always mix business finances with household finances. In addition, the marketing methods used are still very conventional, namely depositing them in shops selling souvenirs or food, participating in government expo exhibitions, and selling their products to agencies and companies. This is indeed practical, but the brand that can stick in the hearts of consumers is a brand that has good independence coupled with a policy of reducing face-to-face and crowd activities, requiring SMEs marketing to be done online. The number of SMEs members who are members of the Genteng Kreatif Community has reached 75 members, but for this activity program the chairman of the association selects members who are categorized as critical enough to really need assistance in training and financial assistance as well as effective online marketing. There are several outcomes that will result from this activity, including creating SMEs that are competitive and skilled in financial management and product marketing; Creating accounting recording training methods, so that SMEs know how to carry out correct accounting recording procedures in accordance with applicable standards so that there is no misstatement of information so that the financial statements are also useful for external parties; Producing SMEs that are able to manage their business well so that they have the opportunity to create new jobs for the surrounding community; Assist in assisting in making innovative product designs that are in accordance with consumer desires; Provide a variety of online product marketing alternatives that can be applied in addition to conventional marketing.Keywords: Covid-19, Economic, Financial, MarketingAbstrakManajemen usaha UMKM di Paguyuban Genteng Kreatif yang selama ini dilakukan tidak bisa lagi dilanjutkan, karena sesuai prinsip ekonomi seharusnya dalam berbisnis harus mengalami eskalasi naik atau peningkatan secara ekonomi bisnisnya karena kebutuhan manusia akan semakin meningkat selain itu tingkat inflasi yang belum terkendali akibat dampak krisis ekonomi implikasi dari pandemi Covid-19 akan selalu menyebabkan harga bahan baku tidak dapat terjangkau. UMKM di Paguyuban Genteng Kreatif belum dapat melihat seberapa laba bersih yang benar-benar diperoleh dalam usahanya. Hal ini karena mereka hampir selalu mencampurkan keuangan usaha dengan rumah tangga. Selain itu, metode pemasaran yang digunakan juga masih sangat konvensional yaitu dititipkan ke toko penjual oleh-oleh atau makanan, mengikuti pameran expo pemerintah, hingga menjajakan produknya ke instansi dan perusahaan. Hal ini memang praktis namun brand (merk) yang dapat lekat di hati konsumen adalah merk yang memiliki independensi yang baik di tambah lagi dengan kebijakan pengurangan aktivitas tatap muka dan kerumunan, mengharuskan pemasaran UMKM dilakukan secara daring. Jumlah anggota UMKM yang tergabung dalam Paguyuban Genteng Kreatif telah mencapai 75 anggota, namun untuk program kegiatan ini akan dipilah oleh ketua paguyuban untuk memilih anggotanya yang berkategori cukup kritis sangat membutuhkan bantuan dalam pelatihan dan pendampingan keuangan serta pemasaran daring yang efektif. Program ini dilakukan dalam bentuk kegiatan pelatihan dan pendampingan selama kurun waktu total 6 bulan.  Adapun beberapa luaran yang akan dihasilkan dari kegiatan ini, antara lain Menciptakan UMKM yang berdaya saing dan terampil dalam pengelolaan keuangan dan pemasaran produk; Menciptakan metode pelatihan pencatatan akuntansi, sehingga para pelaku UMKM mengetahui cara melakukan prosedur pencatatan akuntansi yang benar sesuai dengan standar yang berlaku agar tidak ada salah saji informasi sehingga laporan keuangan tersebut juga berguna untuk pihak eksternal; Menghasilkan UMKM yang mampu mengelola bisnisnya dengan baik sehingga berpeluang untuk menciptakan lapangan kerja baru bagi lingkungan masyarakat sekitar; Membantu mendampingi dalam membuat desain produk yang inovatif yang sesuai dengan keinginan konsumen; Memberikan berbagai alternatif pemasaran produk daring yang dapat diterapkan selain pemasaran yang konvensional.Kata Kunci: Covid-19, Ekonomi, Keuangan, Pemasaran


2021 ◽  
Vol 5 (1) ◽  
pp. 61-72
Author(s):  
Lasma Farida

Intensive implementation of coaching to improve the performance of accreditation teams is the full responsibility of the leader of an institution or institution. Similarly, MTsN 2 Bener Meriah is one of the Islamic educational institutions. This study aims to find out how  the intensive application of coaching in an effort to improve the performance of the accreditation team MTsN 2 Bener Meriah. This research is qualitative with descriptive survey techniques. Through interviews, observations, and documentation, the following research results are found: (a) the components of accreditation that become the assessment points in the form of curriculum of each educational program, number of educators, the condition of learners, coordination of the implementation of education, educational facilities and infrastructure, readiness of academic administration, staffing, and household finances, (2) the application of coaching one of them on the components of content standards and process standards, (3) based on the evaluation of activities in the know that not fully the management of MTsN 2 Bener Meriah committed in carrying out the task and not yet maksimanya conflict management so that there is doubt and lack of readiness in maintaining the 'A grade' that has been achieved.


2021 ◽  
Author(s):  
Florence Joly ◽  
Lisa Anne Schmitt ◽  
Patricia Ann McGee Watson ◽  
Emilie Pain ◽  
Damien Testa

BACKGROUND Cold agglutinin disease (CAD) is a rare and poorly understood disorder affecting 15% of patients with autoimmune hemolytic anemia. Few studies have assessed CAD symptoms and their impact on daily life, and these did not address the patients’ perspective. OBJECTIVE The aim of this research is to increase the knowledge on CAD through a patient-centric survey and to gain a better understanding of the burden of this disease. METHODS We conducted an internet-based survey in September 2020 among American patients registered on the CAD Unraveled website and members from the Cold Agglutinin Disease Foundation. RESULTS Fifty respondents were included in the study. Ninety percent of patients reported having experienced fatigue. Fatigue was mainly reported on a daily basis, and almost a third said it was constant through the day. It has also been shown that CAD had a great impact on physical well-being, emotional well-being, social life, and patients’ household finances. The disease varies over time, with or without symptoms. Eighty-eight percent of patients reported previous episodes of increased intensity/sensitivity of their CAD symptoms, with a mean number of episodes reported of 4.5 during the past year. More than half of the patients considered their disease as moderate or severe, and over 40% of the study group reported that their symptoms had worsened since the time of diagnosis. CONCLUSIONS Our study has raised new data on CAD symptoms, in particular on the importance and type of fatigue, and the fluctuation of CAD symptoms.


2021 ◽  
Author(s):  
Patrick Carey ◽  
Jeffrey A. Groen ◽  
Bradley A. Jensen ◽  
Anne E. Polivka ◽  
Thomas J. Krolik

During the coronavirus disease 2019 pandemic in the United States, claims for unemployment insurance (UI) benefits rose sharply because of the substantial job loss and the expansion of UI programs. To improve upon UI administrative data, in this article, we use the Household Pulse Survey to estimate the number of people who applied for UI benefits, the number of people who received benefits, and the success rate of UI applicants (the share of applicants who received benefits) during the first 9 months of the pandemic. We examine differences by demographic group, educational attainment, and prepandemic household income. In addition, we relate state-level estimates to UI recipiency before the pandemic, job loss during the pandemic, and the differential spread of the coronavirus across states. Compared with individuals who applied for UI benefits but did not receive them, we find that individuals who received benefits had greater well-being in a variety of domains, including household finances, food security, and mental health.


2021 ◽  
Vol 21 (2) ◽  
pp. 217-228
Author(s):  
Nur Haini ◽  
Irmayani Irmayani ◽  
Yusriadi Yusriadi

Penelitian ini bertujuan untuk menentukan tingkat pendapatan dan menguji kelayakan usaha tani Lada Didesa Sanglepongan Kecamatan Curio Kabupaten EnrekangMetode penelitian yang digunakan adalah metode survey yang bertujuan untuk mendapatkan gambaran yang mewakili suatu daerah dengan benar, dan untuk menjangkau fakta yang terjadi di lapangan melalui kunjungan dan wawancara langsung, sehingga diperoleh gambaran secara keseluruhan mengenai pendapatan ekonomi petani lada desa sanglepongan kecamatan curiokabupaten enrekang berdasarkan berdasarkan data yang diperoleh dari rumahtangga petani..hasil penelitian menunjukkan Total pendapatan lada di daerah sanglepongan adalah Rp149.444.700/produksi. pendapatan petani cukup besar untuk digunakan menutupi kegutuhan hidup dan menunjang keuangan rumah tangga petani dikala tepuruknya harga komoditi pertanian di desa sanglepongan kecamatan Curio Kabupaten Enrekang.Nilai benefit cost ratio (B/C-ratio) adalah sebesar 2,72 menunjukkan bahwa B/C >1 berarti usaha layak untuk dijalankan. Atau denga kata lain pendapatan lebih besar dari total biaya yang dikeluarkan maka usaha ladadi desa sanglepongan di Kecamatan Curio Kabupaten Enekang layak untuk di jalankan This study aims to determine the level of income and test the feasibility of farming in the Village of Sanglepongan, Curio District, Enrekang Regency.The research method used is a survey method that aims to get a picture that represents an area correctly, and to reach the facts that occur in the field through visits and interviews. Directly, in order to obtain an overall picture of the economic income of pepper farmers in sanglepongan village, curio district, enrekang district based on data obtained from farmer households. The results showed that the total income of pepper in the sanglepongan area was Rp.149,444,700 / production. Farmer's income is large enough to be used to cover the necessities of life and support farmer household finances when agricultural commodity prices fall in the Sanglepongan village, Curio district, Enrekang Regency. The value of the benefit cost ratio (B / C-ratio) is 2.72 indicating that B / C> 1 means the business is feasible to run. Or in other words, the income is greater than the total costs incurred for ladadi business in the village of Sanglepongan in Curio Subdistrict, Enekang Regency, which is feasible to run


2021 ◽  
Vol 21 (2) ◽  
pp. 304-316
Author(s):  
Israwati Israwati ◽  
Yusriadi Yusriadi ◽  
Nurhaedah Nurhaedah

Penelitian ini bertujuan 1 ) untuk mengetahui berapa besar pendapatan produksi penyulingan minyak daun cengkeh dalam di Desa Buntu Barana Kecamatan Curio Kabupaten Enrekang. 2) untuk mengetahui bagaimana tingkat kelayakan usaha penyulingan minyak daun cengkeh di Desa Buntu Brana Kecamatan Curio Kabupaten EnrekangMetode penelitian yang digunakan adalah metode survey yang bertujuan untuk mendapatkan gambaran yang mewakili suatu daerah dengan benar, dan untuk menjangkau fakta yang terjadi di lapangan melalui kunjungan dan wawancara langsung, sehingga diperoleh gambaran secara keseluruhan pendapatan produksi penyulingan minyak daun cengkeh dalam di Desa Buntu Barana Kecamatan Curio Kabupaten Enrekangberdasarkan berdasarkan data yang diperoleh dari penyulingan minyak daun cengkeh. Hasil penelitian menunjukkan Total Pendapatan usaha penyulingan minyak daun cengkeh di Desa Buntu Barana adalah Rp.22.586.000 selama enam bulan produksi. Hasil pendapatan responden cukup besar untuk digunakan menutupi kebutuhan hidup dan menunjang keuangan rumah tangga petani dikala tepuruknya harga komoditi pertanian utama pengusaha penyulingan minyak  daun cengkeh sebagai sampel di daerah penelitian.Kelayakan usaha penyulingan minyak daun cengkeh yang diperoleh sebesar 1,42 bahwa usaha termasuk kategori layak dengan hasil R/C Ratio > 1,42 maka usaha tersebut layak untuk dikembangkan. This study aims 1) To determine how much income from the production of clove leaf oil distillation in Buntu Barana Village, Curio District, Enrekang Regency. 2) To find out the feasibility level of the business of clove leaf oil refining in Buntu Brana Village, Curio District, Enrekang Regency. The research method used is a survey method that aims to get a picture that represents an area correctly, and to reach the facts that occur in the field through visits and Direct interviews, in order to obtain an overall picture of the production income of clove leaf oil distillation in Buntu Barana Village, Curio District, Enrekang Regency based on data obtained from clove leaf oil refining. The results showed that the total income of clove leaf oil refining business in Buntu Barana Village was Rp. 22,586,000 for six months of production. The respondents 'income was large enough to be used to cover their living needs and to support farmers' household finances when the prices of the main agricultural commodities of clove leaf oil refiners were sampled in the study area. The feasibility of the business of clove leaf oil refining obtained is 1.42, that the business is in the feasible category with an R / C Ratio> 1.42, so the business is feasible to be developed.


2021 ◽  
Vol 21 (2) ◽  
pp. 325-337
Author(s):  
Irmayani Irmayani ◽  
Irna Sari ◽  
Andi Erna Sriwahyuningsih

Penelitian ini bertujuan untuk mengetahui pendapatan usaha gula aren di Desa Buntu Pema Kecamatan Curio Kabupaten Enrekang. Metode penelitian yang digunakan adalah metode kuantitatif yang bertujuan untuk mendapatkan gambaran yang mewakili suatu daerah dengan benar, dan untuk menjangkau fakta yang terjadi di lapangan melalui kunjungan dan wawancara langsung, sehingga diperoleh gambaran secara keseluruhan mengenai pendapatan ekonomi rumahtanggga pengrajin Aren di Desa Buntu Pema Kecamatan Curio Kabupaten Enrekang berdasarkan berdasarkan data yang diperoleh dari rumahtangga petani. Hasil penelitian menunjukkan Total pendapatan gula aren di daerah Buntu Pema adalah Rp.149.444.700/produksi. Pendapatan gula aren di Daerah Buntu Pema adalah Rp. 2.532.560 selama selama satu kali produksi.Hasil rata-rata pendapatan petani responden cukup besar untuk digunakan menutupi kegutuhan hidup dan menunjang keuangan rumah tangga petani dikala tepuruknya harga komoditi pertanian utama petani sampel di daerah penelitian.Nilai revenue cost ratio (R/C49-ratio) adalah sebesar 1,98 menunjukkan bahwa R/C>1 berarti usaha layak untuk dijalankan. Atau denga kata lain pendapatan lebih besar dari total biaya yang dikeluarkan maka usaha gula aren di Desa Buntu Pema di Kecamatan Curio Kabupaten Enrekang layak untuk di jalankan. This study aims to determine the income of palm sugar business in Buntu Pema Village, Curio District, Enrekang Regency. The research method used is a quantitative method that aims to get a picture that represents an area correctly, and to reach the facts that occur in the field through visits and direct interviews, so that an overall picture of the household income of Aren craftsmen in the dead-end village Pema Curiokabupati is obtained enrekang based on data obtained from farmer households. The results showed that the total income of palm sugar in the Buntu Pema area was IDR 149,444,700 / production. Palm sugar income in the Buntu Pema area is Rp. 2,532,560 during one production. The average yield of the respondent's farmers' income is large enough to be used to cover the necessities of life and to support farmer household finances when the prices of the main agricultural commodities of the sample farmers in the study area have fallen. The value of revenue cost ratio (R / C49-ratio) is 1.98 indicating that R / C> 1 means the business is feasible to run. Or in other words, the income is greater than the total costs incurred, the palm sugar business in Buntu Pema Village in Curio District, Enrekang Regency is feasible to run.


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