Main Article Content
Abstract
This study aims to develop an Inclusive Economic Education Program based on Sustainable Management to improve the financial resilience of urban families in Makassar. The research method uses a quantitative approach with a pre-test and post-test design, involving target families who participate in training and mentoring programs. The results show a significant improvement in financial literacy and behavior, including understanding needs and wants, budgeting, saving habits, utilization of formal financial services, and adoption of fintech. These findings imply that similar programs are worth replicating to strengthen the economic resilience of families in urban areas in a sustainable manner.
Keywords
Article Details
References
- Ahmad, M., Ahmed, Z., Bai, Y., Qiao, G., Popp, J., & Oláh, J. (2022). Financial Inclusion, Technological Innovations, and Environmental Quality: Analyzing the Role of Green Openness. Frontiers in Environmental Science, 10. https://doi.org/10.3389/fenvs.2022.851263
- Andrianingsih, V., & Asih, D. N. L. (2022). Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Ibu Rumah Tangga. Jurnal Manajemen Dan Bisnis Indonesia, 8(1), 121–127. https://doi.org/10.32528/jmbi.v8i1.7812
- Clark, A. A., Davies, S., Owen, R., & Williams, K. (2024). Beyond Individual Responsibility – Towards a Relational Understanding of Financial Resilience Through Participatory Research and Design. Journal of Social Policy, 1–18. https://doi.org/10.1017/s0047279423000685
- Darmawan, A., & Pratiwi, F. A. (2020). Pengaruh Pendidikan Keuangan Keluarga, Pembelajaran Keuangan Di Perguruan Tinggi, Sikap Keuangan Dan Teman Sebaya Terhadap Literasi Keuangan Mahasiswa. Fokus Bisnis Media Pengkajian Manajemen Dan Akuntansi, 19(1), 27–37. https://doi.org/10.32639/fokusbisnis.v19i1.499
- Defiansih, D. D. (2021). Pengaruh Religiusitas, Pendidikan Keluarga, Dan Sosialisasi Keuangan Terhadap Literasi Keuangan Syariah Dengan Kecerdasan Intelektual Sebagai Variabel Moderasi. Jurnal Ekonomi Dan Pendidikan, 18(1). https://doi.org/10.21831/jep.v18i1.33146
- Firlianti, Akib, R. H. M., Ariska, S. N., & Jasman, J. (2023). Literasi Keuangan Dan Perilaku Keuangan Syariah Mahasiswa UM.PALOPO: Mediasi Financial Technologi Dan Personal Finance. Jmbi Unsrat (Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi), 10(2), 944–962. https://doi.org/10.35794/jmbi.v10i2.46353
- García, I. (2024). Beyond Urban-Centered Responses: Overcoming Challenges to Build Disaster Resilience and Long-Term Sustainability in Rural Areas. Sustainability, 16(11), 4373. https://doi.org/10.3390/su16114373
- Ḥamzah, A., Wiharno, H., Rahmawati, T., & Supriatna, O. (2022). Pelatihan Literasi Keuangan Pada Era Covid-19 Dalam Meningkatkan Kesejahteraan Keluarga. Journal of Entrepreneurship and Community Innovations (Jeci), 1(1), 28–34. https://doi.org/10.33476/jeci.v1i1.21
- Harahap, R. R., Rahman, L. F., Ruzi, F., Anrizal, S. Y., Atsarina, A., Egim, A. S., & Fermayani, R. (2024). Penyuluhan Literasi Keuangan Pada Ibu Rumah Tangga Di Kelurahan Lubuk MINTURUN-SEI.LAREH, Kota Padang. Reswara Jurnal Pengabdian Kepada Masyarakat, 5(1), 301–309. https://doi.org/10.46576/rjpkm.v5i1.4003
- Jimoh, L., & David, O. O. (2024). State-Dependency in the Nexus Between Digital Financial Inclusion and Economic Growth in Sub-Saharan Africa. International Journal of Professional Business Review, 9(6), e04675. https://doi.org/10.26668/businessreview/2024.v9i6.4675
- Khera, P., Ng, S., Ogawa, S., & Sahay, R. (2022). Measuring Digital Financial Inclusion in Emerging Market and Developing Economies: A New Index. Asian Economic Policy Review, 17(2), 213–230. https://doi.org/10.1111/aepr.12377
- Komarawati, K., Nurdin, M. F., Gunawan, W., & Nurwati, R. N. (2025). Transformative Capacity to Build an Adaptive Society Resilience During Crisis: Evidence From Conditional Cash Transfer/PKH Indonesia. Frontiers in Sociology, 10. https://doi.org/10.3389/fsoc.2025.1507177
- Li, Y., Sun, G., Gao, Q., & Cheng, C. (2023). Digital Financial Inclusion, Financial Efficiency and Green Innovation. Sustainability, 15(3), 1879. https://doi.org/10.3390/su15031879
- Liu, Q., Zheng, J., & Luo, S. (2025). Digital Financial Inclusion, Population Structure, and Consumption Upgrades: Evidence From China. Plos One, 20(1), e0316823. https://doi.org/10.1371/journal.pone.0316823
- Liu, Z., & Chen, J. (2025). Socioeconomic Determinants and Health Outcomes of Financial Resilience Patterns. Family & Community Health, 48(2), 97–107. https://doi.org/10.1097/fch.0000000000000426
- Marson, F., Eagly, P., & Russell, O. M. (2023). Impact of Social Assistance Programs on Family Economic Welfare in Urban Environments: An Analysis of Equity and Community Engagement. LawEco, 17(3), 186–202. https://doi.org/10.35335/laweco.v17i3.44
- Millaningtyas, R., Amin, M., Hermawan, A., & Handayati, P. (2024). Digital Transformation of Financial Literacy and Inclusion as a Support for Convenience for MSMEs. International Journal of Humanities Education and Social Sciences (Ijhess), 3(5). https://doi.org/10.55227/ijhess.v3i5.824
- Muharsito, M., & Muharam, H. (2023). The Effect of Digital Financial Inclusion on Bank Efficiency. International Conference on Research and Development (Icorad), 2(1), 1–6. https://doi.org/10.47841/icorad.v2i1.77
- Najmah, N. A. (2023). Analisis Tematik pada Penelitian Kualitatif. Salemba Empat.
- Nurhaida, D., Wijaya, A. K., Taufiqurokhman, Andriansyah, A., & Qolbiyyah, Q. (2023). Pelatihan Perencanaan Keuangan Keluarga Dan Investasi Sesuai Prinsip Syariah. Jipemas Jurnal Inovasi Hasil Pengabdian Masyarakat, 6(1), 162–175. https://doi.org/10.33474/jipemas.v6i1.19328
- Ozili, P. K., & Mhlanga, D. (2023). Why Is Financial Inclusion So Popular? An Analysis of Development Buzzwords. Journal of International Development, 36(1), 231–253. https://doi.org/10.1002/jid.3812
- Pattimahu, Z., Rasyid, A. R., Sastrawati, I., & Sutopo, Y. K. D. (2023). Community Capacity and Resilience in Facing the Threat of Fire Disaster (Case Study: Barrang Lompo Island, Makassar City). Iop Conference Series Earth and Environmental Science, 1134(1), 012018. https://doi.org/10.1088/1755-1315/1134/1/012018
- Pienaah, C. K. A., & Luginaah, I. (2024). The Impact of Village Savings and Loan Associations as a Financial and Climate Resilience Strategy for Mitigating Food Insecurity in Northern Ghana. Risks, 12(4), 58. https://doi.org/10.3390/risks12040058
- Prabowo, A. A. (2021). Analisis Faktor-Fakor Yang Mempengaruhi Literasi Keuangan Mahasiswa Akuntansi Universitas Sarjanawiyata Tamansiswa Di Masa Pandemi Covid-19. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(2), 1125–1136. https://doi.org/10.36778/jesya.v4i2.463
- Pujianti, T., Syaodih, E., & Djoehaeni, H. (2020). Peran Orang Tua Dalam Melakukan Financial Education Pada Anak Usia Dini. Edukids Jurnal Pertumbuhan Perkembangan Dan Pendidikan Anak Usia Dini, 16(2), 99–108. https://doi.org/10.17509/edukid.v16i2.19796
- Raharjo, M. E., Santoso, B. H., & Satrio, B. (2023). Pengaruh Motivasi, Literasi Keuangan, Dan Demografi Terhadap Perencanaan Keuangan Untuk Mencapai Kebebasan Keuangan. Technomedia Journal, 8(2), 261–275. https://doi.org/10.33050/tmj.v8i2.2095
- Rofiqoh, I., Surifah, S., Listyorini, I., & Abad, T. B. (2024). Literasi Keuangan Untuk Perencanaan Keuangan Keluarga. Kacanegara Jurnal Pengabdian Pada Masyarakat, 7(2), 235. https://doi.org/10.28989/kacanegara.v7i2.1936
- Safitri, L. A., & Dewa, C. B. (2022). Analisa Pengaruh Literasi Keuangan Melalui Media Sosial Instagram Terhadap Pengelolaan Keuangan Generasi-Z. Asset Jurnal Manajemen Dan Bisnis, 5(2). https://doi.org/10.24269/asset.v5i2.6030
- Sarjana, S., Najib, M. A. A., & Khayati, N. (2022). Dissemination of Economic Resilience in Scientific Evolution to Strengthen Community Economy in Facing Covid-19 Pandemic Through Bibliometric Analysis. Journal of Developing Economies, 7(1), 142–155. https://doi.org/10.20473/jde.v7i1.33796
- Soomro, S. A. (2023). Building Sustainable Community Resilience and Business Preparedness Through Stakeholder Perspective. International Journal of Emergency Services, 12(2), 171–185. https://doi.org/10.1108/ijes-08-2022-0039
- Sucianah, A., & Yuhertiana, I. (2021). Gender Memoderasi Financial Literacy Dan Financial Behavior Terhadap Ketahanan Keuangan Rumah Tangga Milenial Selama Pandemi Covid-19. Jurnal Proaksi, 8(2), 428–438. https://doi.org/10.32534/jpk.v8i2.2020
- Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif dan R&D. Alfabeta.
- Syarifudin, S., Nurfatimah, S. N., & Wiharno, H. (2023). Pelatihan Pengelolaan Keuangan Keluarga Dalam Rangka Meningkatkan Literasi Keuangan Di Desa Kasturi. Empowerment Jurnal Pengabdian Masyarakat, 6(01), 34–40. https://doi.org/10.25134/empowerment.v6i01.7389
- Thirafi, L., Akbarsyah, N., & Fauzan, F. (2023). Menumbuhkan Kesadaran Literasi Keuangan Pada Anak Usia Dini Melalui Sosialisasi Literasi Keuangan Di SDN 2 Dan SDN 4 Desa Karangjaladri Kabupaten Pangandaran. Farmers Journal of Community Services, 4(2), 36. https://doi.org/10.24198/fjcs.v4i2.48315
- Voznyak, H., Mulska, O., Kaplenko, H., Sorokovyi, D., & Patytska, K. (2023). Financial Determinants of Ensuring the Resilience of Ukrainian Regions. Investment Management and Financial Innovations, 20(4), 83–98. https://doi.org/10.21511/imfi.20(4).2023.08
- Widyastuti, U., Respati, D. K., & Mahfirah, T. F. (2024). Digital Financial Literacy and Digital Financial Inclusion: A Multigroup Analysis Based on Gender. Humanities and Social Sciences Letters, 12(1), 33–42. https://doi.org/10.18488/73.v12i1.3617
- Yiadom, E. B., Mensah, Lord, & Bokpin, G. A. (2023). Environmental Risk and Foreign Direct Investment: The Role of Financial Deepening, Access and Efficiency. Sustainability Accounting Management and Policy Journal, 14(2), 369–395. https://doi.org/10.1108/sampj-12-2021-0552
- Zhang, Y. (2024). An Investigation of the Differences in Education Between China’s Urban and Rural Areas From the Standpoint of Educational Equity. Lecture Notes in Education Psychology and Public Media, 39(1), 142–147. https://doi.org/10.54254/2753-7048/39/20240700
- Zhao, L., He, F., & Zhao, C. (2020). A Framework of Resilience Development for Poor Villages After the Wenchuan Earthquake Based on the Principle of “Build Back Better.” Sustainability, 12(12), 4979. https://doi.org/10.3390/su12124979
References
Ahmad, M., Ahmed, Z., Bai, Y., Qiao, G., Popp, J., & Oláh, J. (2022). Financial Inclusion, Technological Innovations, and Environmental Quality: Analyzing the Role of Green Openness. Frontiers in Environmental Science, 10. https://doi.org/10.3389/fenvs.2022.851263
Andrianingsih, V., & Asih, D. N. L. (2022). Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Ibu Rumah Tangga. Jurnal Manajemen Dan Bisnis Indonesia, 8(1), 121–127. https://doi.org/10.32528/jmbi.v8i1.7812
Clark, A. A., Davies, S., Owen, R., & Williams, K. (2024). Beyond Individual Responsibility – Towards a Relational Understanding of Financial Resilience Through Participatory Research and Design. Journal of Social Policy, 1–18. https://doi.org/10.1017/s0047279423000685
Darmawan, A., & Pratiwi, F. A. (2020). Pengaruh Pendidikan Keuangan Keluarga, Pembelajaran Keuangan Di Perguruan Tinggi, Sikap Keuangan Dan Teman Sebaya Terhadap Literasi Keuangan Mahasiswa. Fokus Bisnis Media Pengkajian Manajemen Dan Akuntansi, 19(1), 27–37. https://doi.org/10.32639/fokusbisnis.v19i1.499
Defiansih, D. D. (2021). Pengaruh Religiusitas, Pendidikan Keluarga, Dan Sosialisasi Keuangan Terhadap Literasi Keuangan Syariah Dengan Kecerdasan Intelektual Sebagai Variabel Moderasi. Jurnal Ekonomi Dan Pendidikan, 18(1). https://doi.org/10.21831/jep.v18i1.33146
Firlianti, Akib, R. H. M., Ariska, S. N., & Jasman, J. (2023). Literasi Keuangan Dan Perilaku Keuangan Syariah Mahasiswa UM.PALOPO: Mediasi Financial Technologi Dan Personal Finance. Jmbi Unsrat (Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi), 10(2), 944–962. https://doi.org/10.35794/jmbi.v10i2.46353
García, I. (2024). Beyond Urban-Centered Responses: Overcoming Challenges to Build Disaster Resilience and Long-Term Sustainability in Rural Areas. Sustainability, 16(11), 4373. https://doi.org/10.3390/su16114373
Ḥamzah, A., Wiharno, H., Rahmawati, T., & Supriatna, O. (2022). Pelatihan Literasi Keuangan Pada Era Covid-19 Dalam Meningkatkan Kesejahteraan Keluarga. Journal of Entrepreneurship and Community Innovations (Jeci), 1(1), 28–34. https://doi.org/10.33476/jeci.v1i1.21
Harahap, R. R., Rahman, L. F., Ruzi, F., Anrizal, S. Y., Atsarina, A., Egim, A. S., & Fermayani, R. (2024). Penyuluhan Literasi Keuangan Pada Ibu Rumah Tangga Di Kelurahan Lubuk MINTURUN-SEI.LAREH, Kota Padang. Reswara Jurnal Pengabdian Kepada Masyarakat, 5(1), 301–309. https://doi.org/10.46576/rjpkm.v5i1.4003
Jimoh, L., & David, O. O. (2024). State-Dependency in the Nexus Between Digital Financial Inclusion and Economic Growth in Sub-Saharan Africa. International Journal of Professional Business Review, 9(6), e04675. https://doi.org/10.26668/businessreview/2024.v9i6.4675
Khera, P., Ng, S., Ogawa, S., & Sahay, R. (2022). Measuring Digital Financial Inclusion in Emerging Market and Developing Economies: A New Index. Asian Economic Policy Review, 17(2), 213–230. https://doi.org/10.1111/aepr.12377
Komarawati, K., Nurdin, M. F., Gunawan, W., & Nurwati, R. N. (2025). Transformative Capacity to Build an Adaptive Society Resilience During Crisis: Evidence From Conditional Cash Transfer/PKH Indonesia. Frontiers in Sociology, 10. https://doi.org/10.3389/fsoc.2025.1507177
Li, Y., Sun, G., Gao, Q., & Cheng, C. (2023). Digital Financial Inclusion, Financial Efficiency and Green Innovation. Sustainability, 15(3), 1879. https://doi.org/10.3390/su15031879
Liu, Q., Zheng, J., & Luo, S. (2025). Digital Financial Inclusion, Population Structure, and Consumption Upgrades: Evidence From China. Plos One, 20(1), e0316823. https://doi.org/10.1371/journal.pone.0316823
Liu, Z., & Chen, J. (2025). Socioeconomic Determinants and Health Outcomes of Financial Resilience Patterns. Family & Community Health, 48(2), 97–107. https://doi.org/10.1097/fch.0000000000000426
Marson, F., Eagly, P., & Russell, O. M. (2023). Impact of Social Assistance Programs on Family Economic Welfare in Urban Environments: An Analysis of Equity and Community Engagement. LawEco, 17(3), 186–202. https://doi.org/10.35335/laweco.v17i3.44
Millaningtyas, R., Amin, M., Hermawan, A., & Handayati, P. (2024). Digital Transformation of Financial Literacy and Inclusion as a Support for Convenience for MSMEs. International Journal of Humanities Education and Social Sciences (Ijhess), 3(5). https://doi.org/10.55227/ijhess.v3i5.824
Muharsito, M., & Muharam, H. (2023). The Effect of Digital Financial Inclusion on Bank Efficiency. International Conference on Research and Development (Icorad), 2(1), 1–6. https://doi.org/10.47841/icorad.v2i1.77
Najmah, N. A. (2023). Analisis Tematik pada Penelitian Kualitatif. Salemba Empat.
Nurhaida, D., Wijaya, A. K., Taufiqurokhman, Andriansyah, A., & Qolbiyyah, Q. (2023). Pelatihan Perencanaan Keuangan Keluarga Dan Investasi Sesuai Prinsip Syariah. Jipemas Jurnal Inovasi Hasil Pengabdian Masyarakat, 6(1), 162–175. https://doi.org/10.33474/jipemas.v6i1.19328
Ozili, P. K., & Mhlanga, D. (2023). Why Is Financial Inclusion So Popular? An Analysis of Development Buzzwords. Journal of International Development, 36(1), 231–253. https://doi.org/10.1002/jid.3812
Pattimahu, Z., Rasyid, A. R., Sastrawati, I., & Sutopo, Y. K. D. (2023). Community Capacity and Resilience in Facing the Threat of Fire Disaster (Case Study: Barrang Lompo Island, Makassar City). Iop Conference Series Earth and Environmental Science, 1134(1), 012018. https://doi.org/10.1088/1755-1315/1134/1/012018
Pienaah, C. K. A., & Luginaah, I. (2024). The Impact of Village Savings and Loan Associations as a Financial and Climate Resilience Strategy for Mitigating Food Insecurity in Northern Ghana. Risks, 12(4), 58. https://doi.org/10.3390/risks12040058
Prabowo, A. A. (2021). Analisis Faktor-Fakor Yang Mempengaruhi Literasi Keuangan Mahasiswa Akuntansi Universitas Sarjanawiyata Tamansiswa Di Masa Pandemi Covid-19. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(2), 1125–1136. https://doi.org/10.36778/jesya.v4i2.463
Pujianti, T., Syaodih, E., & Djoehaeni, H. (2020). Peran Orang Tua Dalam Melakukan Financial Education Pada Anak Usia Dini. Edukids Jurnal Pertumbuhan Perkembangan Dan Pendidikan Anak Usia Dini, 16(2), 99–108. https://doi.org/10.17509/edukid.v16i2.19796
Raharjo, M. E., Santoso, B. H., & Satrio, B. (2023). Pengaruh Motivasi, Literasi Keuangan, Dan Demografi Terhadap Perencanaan Keuangan Untuk Mencapai Kebebasan Keuangan. Technomedia Journal, 8(2), 261–275. https://doi.org/10.33050/tmj.v8i2.2095
Rofiqoh, I., Surifah, S., Listyorini, I., & Abad, T. B. (2024). Literasi Keuangan Untuk Perencanaan Keuangan Keluarga. Kacanegara Jurnal Pengabdian Pada Masyarakat, 7(2), 235. https://doi.org/10.28989/kacanegara.v7i2.1936
Safitri, L. A., & Dewa, C. B. (2022). Analisa Pengaruh Literasi Keuangan Melalui Media Sosial Instagram Terhadap Pengelolaan Keuangan Generasi-Z. Asset Jurnal Manajemen Dan Bisnis, 5(2). https://doi.org/10.24269/asset.v5i2.6030
Sarjana, S., Najib, M. A. A., & Khayati, N. (2022). Dissemination of Economic Resilience in Scientific Evolution to Strengthen Community Economy in Facing Covid-19 Pandemic Through Bibliometric Analysis. Journal of Developing Economies, 7(1), 142–155. https://doi.org/10.20473/jde.v7i1.33796
Soomro, S. A. (2023). Building Sustainable Community Resilience and Business Preparedness Through Stakeholder Perspective. International Journal of Emergency Services, 12(2), 171–185. https://doi.org/10.1108/ijes-08-2022-0039
Sucianah, A., & Yuhertiana, I. (2021). Gender Memoderasi Financial Literacy Dan Financial Behavior Terhadap Ketahanan Keuangan Rumah Tangga Milenial Selama Pandemi Covid-19. Jurnal Proaksi, 8(2), 428–438. https://doi.org/10.32534/jpk.v8i2.2020
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif dan R&D. Alfabeta.
Syarifudin, S., Nurfatimah, S. N., & Wiharno, H. (2023). Pelatihan Pengelolaan Keuangan Keluarga Dalam Rangka Meningkatkan Literasi Keuangan Di Desa Kasturi. Empowerment Jurnal Pengabdian Masyarakat, 6(01), 34–40. https://doi.org/10.25134/empowerment.v6i01.7389
Thirafi, L., Akbarsyah, N., & Fauzan, F. (2023). Menumbuhkan Kesadaran Literasi Keuangan Pada Anak Usia Dini Melalui Sosialisasi Literasi Keuangan Di SDN 2 Dan SDN 4 Desa Karangjaladri Kabupaten Pangandaran. Farmers Journal of Community Services, 4(2), 36. https://doi.org/10.24198/fjcs.v4i2.48315
Voznyak, H., Mulska, O., Kaplenko, H., Sorokovyi, D., & Patytska, K. (2023). Financial Determinants of Ensuring the Resilience of Ukrainian Regions. Investment Management and Financial Innovations, 20(4), 83–98. https://doi.org/10.21511/imfi.20(4).2023.08
Widyastuti, U., Respati, D. K., & Mahfirah, T. F. (2024). Digital Financial Literacy and Digital Financial Inclusion: A Multigroup Analysis Based on Gender. Humanities and Social Sciences Letters, 12(1), 33–42. https://doi.org/10.18488/73.v12i1.3617
Yiadom, E. B., Mensah, Lord, & Bokpin, G. A. (2023). Environmental Risk and Foreign Direct Investment: The Role of Financial Deepening, Access and Efficiency. Sustainability Accounting Management and Policy Journal, 14(2), 369–395. https://doi.org/10.1108/sampj-12-2021-0552
Zhang, Y. (2024). An Investigation of the Differences in Education Between China’s Urban and Rural Areas From the Standpoint of Educational Equity. Lecture Notes in Education Psychology and Public Media, 39(1), 142–147. https://doi.org/10.54254/2753-7048/39/20240700
Zhao, L., He, F., & Zhao, C. (2020). A Framework of Resilience Development for Poor Villages After the Wenchuan Earthquake Based on the Principle of “Build Back Better.” Sustainability, 12(12), 4979. https://doi.org/10.3390/su12124979