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Economic Pressure and Debt Decision-Making of the Customer's Family Bank Keliling/Bank Emok 客户家庭银行的经济压力与债务决策
Pub Date : 2023-06-15 DOI: 10.29244/jfs.v8i1.45096
Ranti Rosanti, E. Sunarti
Difficult economic conditions often force families to borrow money from bank keliling/bank emok. This study analyzes the effect of family characteristics, debt characteristics, economic pressure before debt, and debt decision-making on economic pressure after debt. In particular, this study distinguishes economic pressures before and after debt. The research design used is a retrospective and cross-sectional study involving 60 wives of customers of bank keliling/bank emok selected by simple random sampling. This research is located in Pulosari Village and Margamekar Village, Pangalengan District, Bandung Regency, West Java. The correlation test results show a significant positive relationship between objective economic pressure before debt and debt decision-making. Debt decision-making is positively related to objective and subjective economic pressure after debt. The economic pressure after the debt is higher than before the debt. This study concludes that the higher objective economic pressure before debt and the greater reason for debt, the higher economic pressure after debt. The study results show the importance of families raising awareness about the risks of debt so that there is no increase in economic pressure.
困难的经济状况常常迫使家庭向银行贷款。本研究分析了家庭特征、债务特征、债务前经济压力、债务决策对债务后经济压力的影响。特别是,这项研究区分了债务前后的经济压力。采用的研究设计是回顾性和横断面研究,涉及60名银行开岭/银行emok客户的妻子,采用简单随机抽样。本研究地点位于西爪哇万隆县Pangalengan区Pulosari村和Margamekar村。相关检验结果显示,负债前客观经济压力与负债决策之间存在显著的正相关关系。债务决策与债务后的客观经济压力和主观经济压力呈正相关。债务后的经济压力比债务前要大。本研究认为,负债前的客观经济压力越大,负债原因越大,负债后的经济压力也越大。研究结果表明,提高家庭债务风险意识的重要性,这样就不会增加经济压力。
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引用次数: 0
Analysis Marital Quality and Parenting Style in Adolescence Marriage Family 青少年婚姻家庭的婚姻质量与教养方式分析
Pub Date : 2023-06-15 DOI: 10.29244/jfs.v8i1.42863
Irmalia Noviani, Fitri Ayu Wahyuni, Y. E. Riany
Marriage during adolescence has an impact on the unpreparedness of families to carry out family duties and functions, including in building the quality of marriage and childcare. This study aims to analyze the quality of marriage and parenting styles in families who married in adolescence. This study used a phenomenological qualitative descriptive method using a purposive sampling technique. There were 3 participants in this study with criteria of mothers who married during adolescence and had children. This research was conducted in Purwakarta Regency in February-April 2022. Data collection techniques used observation, and semi-structured interviews with data analysis, reduction, and conclusion. The results showed that the quality of marriage in families who married in adolescence had low-quality marriages as indicated by poor communication between family members and low family economic conditions. In parenting styles, families generally adopt a permissive parenting style which is shown by giving warm affection to children but not accompanied by clear and consistent rules.
青春期结婚对家庭履行家庭责任和职能的准备不足造成影响,包括在建立婚姻和育儿质量方面的准备不足。本研究旨在分析青少年结婚家庭的婚姻品质与教养方式。本研究采用现象学定性描述方法,采用目的性抽样技术。在这项研究中有3名参与者她们的标准是在青春期结婚并有了孩子的母亲。这项研究于2022年2月至4月在Purwakarta Regency进行。数据收集技术采用观察、半结构化访谈和数据分析、还原和结论。结果表明,青少年结婚家庭的婚姻质量较低,表现为家庭成员之间沟通不畅,家庭经济条件较差。在教养方式上,家庭通常采用宽容的教养方式,给予孩子温暖的感情,但没有明确和一致的规则。
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引用次数: 0
The Social Support, Maternal Stress, and Social-Emotional Development of Preschool Children among Working Mothers’ Family during COVID-19 COVID-19期间职业母亲家庭学龄前儿童的社会支持、母亲压力与社会情感发展
Pub Date : 2023-06-15 DOI: 10.29244/jfs.v8i1.42737
Hadlirah Aulia Qudsi, R. Rizkillah
The COVID-19 pandemic has caused many changes that have forced working mothers to adapt. This is more challenging if working mothers have preschool children. This study aimed to analyze the effect of social support and maternal stress on the social-emotional development of preschool children among working mothers’ families during the COVID-19 pandemic. This study involved 70 mothers who worked formally or informally, had children aged 4-6 years, came from intact families, and were domiciled in DKI Jakarta and West Java. Sample selection was made by voluntary sampling, and data were collected self-administered using an online questionnaire. Based on the independent sample T-test, there was no significant difference between formal and informal working mothers on social support, maternal stress, and children's social development. The regression test results showed that social support could improve children's social-emotional development. Conversely, maternal stress can reduce children's social-emotional development. Another finding is that girls have better social-emotional development than boys. The study results have implications that working mothers must have good stress management and coping strategies so that children's social development can develop properly.
COVID-19大流行造成了许多变化,迫使职业母亲适应。如果职业母亲有学龄前的孩子,这就更有挑战性了。本研究旨在分析新冠肺炎疫情期间职场母亲家庭中社会支持和母亲压力对学龄前儿童社会情感发展的影响。这项研究涉及70名母亲,她们有正式或非正式的工作,有4-6岁的孩子,来自完整的家庭,居住在DKI雅加达和西爪哇。样本选择采用自愿抽样方式,数据收集采用在线问卷方式自行管理。经独立样本t检验,正式工作母亲与非正式工作母亲在社会支持、母亲压力、儿童社会发展方面均无显著差异。回归检验结果表明,社会支持对儿童社会情感发展有促进作用。相反,母亲的压力会降低孩子的社会情感发展。另一个发现是,女孩比男孩有更好的社交情感发展。研究结果提示,职业母亲必须具备良好的压力管理和应对策略,才能使孩子的社会发展得到良好的发展。
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引用次数: 0
Husband's Role, Communication, and Father-Son Attachment Based on Perceptions of Male Students 基于男学生认知的丈夫角色、沟通与父子依恋
Pub Date : 2023-06-15 DOI: 10.29244/jfs.v8i1.41570
Nadia Rahmadini, D. Krisnatuti, Defina
Boys perceive the role of a father based on what he sees, namely the role of their father in the family. This study aimed to identify communication, father-son attachment, and husband's role based on student perceptions. Sixty male IPB students from villages and cities were respondents in this study. Based on the results of the study, it was found that there was no difference in communication, father-son attachment, and the perception of the husband's role between students from urban and rural areas. Therefore, the level of communication is in the medium category, attachment is in the safe category, and the perception of the husband's role is in the medium category. Based on the regression test, it is known that father-son communication has a significant positive effect on the perception of the husband's role. So, the higher the communication between father and son, the better the perception of the husband's role in the division of tasks, openness with partners, accountability for the use of resources, and agreement on achieving family goals. The theoretical implication of this research is to prove that father-son communication affects sons' perceptions of the father's role; in practice, good father-son communication makes boys open with their partners, take responsibility, and share household chores.
男孩对父亲角色的认知是基于他所看到的,即父亲在家庭中的角色。本研究以学生的认知为基础,探讨沟通、父子依恋与丈夫角色的关系。本研究以60名来自农村和城市的男性IPB学生为调查对象。根据研究结果,城乡学生在沟通、父子依恋和对丈夫角色的认知方面没有差异。因此,沟通水平处于中等范畴,依恋处于安全范畴,对丈夫角色的感知处于中等范畴。通过回归检验可知,父子沟通对丈夫角色认知有显著的正向影响。因此,父子之间的沟通越高,越能更好地感知丈夫在任务分工、对伴侣的坦诚、对资源使用的责任以及实现家庭目标的一致等方面的角色。本研究的理论意义在于证明父子沟通影响儿子对父亲角色的认知;在实践中,良好的父子沟通使男孩对他们的伴侣敞开心扉,承担责任,分担家务。
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引用次数: 0
Sensing the Squeeze of Sandwich Generation Women in Jakarta, Indonesia 在印度尼西亚雅加达,感受三明治一代女性的压力
Pub Date : 2023-06-15 DOI: 10.29244/jfs.v8i1.43942
Dian Kristiani Irawaty, Maria Gayatri
The majority of Indonesian women, known as "sandwich generations," have taken care of their young children and aging parents. Individual role-balancing challenges among these "sandwich" women have not yet, been fully investigated. This study aims to highlight Indonesian women's obstacles for being a sandwich generation. A qualitative descriptive case study through semi-structured interviews was carried out. A purposive sampling by key informants was conducted in June 2022 until saturation of the information was reached. This study involved six informants who live in Jakarta. Qualitative content analysis was carried out to generate codes and assign categories. From female respondent perspectives, males frequently provide financial support, whereas women are more likely to do so emotionally and assist with daily tasks like housework, grocery shopping, and personal cleanliness. Because of this, there was a significant conclusion that most sandwich-generation women received limited help during children and elderly care, evidencing the existence of other external factors favorable to physical, emotional, and mental stress and financial challenges.
大多数被称为“三明治一代”的印尼女性都要照顾年幼的孩子和年迈的父母。这些“三明治”女性的个人角色平衡挑战尚未得到充分调查。本研究旨在突出印尼女性作为三明治一代的障碍。通过半结构化访谈进行定性描述性案例研究。2022年6月,对关键举报人进行了有目的的抽样,直到信息饱和为止。这项研究涉及住在雅加达的六名线人。进行定性内容分析以生成代码并分配类别。从女性受访者的角度来看,男性经常提供经济支持,而女性更有可能在情感上提供支持,并协助家务、购物和个人清洁等日常任务。因此,有一个重要的结论是,大多数三明治一代女性在照顾孩子和老人时得到的帮助有限,这证明存在其他有利于身体、情感和精神压力以及经济挑战的外部因素。
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引用次数: 1
Financial and Pension Literacy and Retirement Preparedness in Sri Lanka: Evidence from Employee Provident Fund Contributors 斯里兰卡的金融和养老金素养和退休准备:来自雇员公积金贡献者的证据
Pub Date : 2023-01-31 DOI: 10.29244/jcs.8.1.57-76
T. Rodrigo, Hyungsoo Kim
Sri Lanka has a rapidly aging population in South Asia, but little attention is given to financial preparedness for retirement. This study expects to provide an overview of the current retirement system in Sri Lanka and investigate financial and pension literacy's role in retirement preparedness. This study administered an online survey to study retirement preparedness subjectively (n = 142) and objectively (n = 115) among the EPF contributors. This non-experimental study uses an online survey to assess financial and pension literacy's roles in retirement preparedness. This study used ordered logistic (Ologit) regressions and ordinary least squares (OLS) regressions to test the two hypotheses. Results indicate a positive and statistically significant association between financial (only objective measure) and pension literacy and retirement preparedness. However, another study shows no synergy effect between financial and pension literacy. Conclusively, drawing policymakers' attention to diversifying EPF investments, including financial and pension literacy concepts in workplace workshops and studying pension literacy and retirement preparedness in different samples.
斯里兰卡是南亚人口迅速老龄化的国家,但人们很少关注退休后的财务准备。本研究旨在概述斯里兰卡目前的退休制度,并调查金融和养老金素养在退休准备中的作用。本研究采用线上问卷调查的方式,主观上(n = 142)和客观上(n = 115)研究公积金供款人的退休准备情况。这项非实验研究使用在线调查来评估财务和养老金素养在退休准备中的作用。本研究采用有序逻辑回归(Ologit)和普通最小二乘(OLS)回归来检验这两个假设。结果表明,财务(仅客观衡量)与养老金素养和退休准备之间存在统计学上显著的正相关关系。然而,另一项研究表明,财务和养老金素养之间没有协同效应。最后,提请政策制定者注意公积金投资的多样化,包括在工作场所研讨会上提出金融和养老金素养概念,并研究不同样本的养老金素养和退休准备。
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引用次数: 0
Protection of Consumers with Disabilities in The Public Services Sector (Legal Comparative with Australia) 公共服务部门对残疾消费者的保护(与澳大利亚的法律比较)
Pub Date : 2023-01-31 DOI: 10.29244/jcs.8.1.1-14
A. M. T. Anggraini, Maya Indrasti Notoprayitno
The existence of a consumer protection law and the ratification of the CRPD by the Indonesian government is expected to guarantee the safety and comfort of consumers, including persons with disabilities. Therefore, the problem of comparative regulation and institutional, as well as the supervision of the implementation of public services for persons with disabilities, is raised in Indonesia and Australia. Australia was chosen as a comparison because this country already has a comprehensive protection system for persons with disabilities and is fully committed to providing public service facilities. This research is a prescriptive normative research using secondary data consisting of primary legal materials and secondary legal materials. This study concludes that similar to Indonesia, the formation of regulations and policies in Australia in the public service sector for persons with disabilities has reached a technical level and is carried out in a coordinated manner between the center and the regions. The basic difference is that the institutional system that handles the planning, implementation, and supervision of public services for persons with disabilities in Indonesia is separated into various ministries and/or agencies so that it requires strengthening synergies at the central and regional levels so that the implementation of public services is guaranteed optimally.
消费者保护法的制定和印度尼西亚政府对《残疾人权利公约》的批准有望保障包括残疾人在内的消费者的安全和舒适。因此,印度尼西亚和澳大利亚提出了比较管制和体制的问题,以及对残疾人公共服务实施的监督问题。之所以选择澳大利亚作为比较,是因为澳大利亚已经建立了全面的残疾人保护制度,并充分致力于提供公共服务设施。本研究是使用由一手法律资料和第二手法律资料组成的二手资料进行规定性规范研究。本研究得出的结论是,与印度尼西亚类似,澳大利亚残疾人公共服务部门的法规和政策的形成已经达到了技术水平,并且在中心和地区之间进行协调。基本区别在于,处理印度尼西亚为残疾人提供公共服务的规划、实施和监督的体制系统被划分为不同的部委和(或)机构,因此需要加强中央和地区各级的协同作用,以便以最佳方式保证公共服务的实施。
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引用次数: 0
The Effect of Social Media Marketing TikTok and Product Quality Towards Purchase Intention 社交媒体营销TikTok和产品质量对购买意愿的影响
Pub Date : 2023-01-31 DOI: 10.29244/jcs.8.1.77-92
Tiara Meliawati, Sweety Celendine Gerald, A. E. Aruman
Social media has changed how companies and brands communicate with customers. To compete companies run social media marketing to obtain a competitive advantage. As a small and medium-sized company, Bittersweet by Najla utilizes social media marketing with TikTok and product quality to increase buying intention. This study aimed to determine the effect of social media marketing and product quality on purchase intention. The method used quantitative with a non-probability sampling technique, and questionnaires collected the data from 207 respondents. The analysis was carried out using the SEM-LISREL. The study results, first, social media marketing affects buying intention; second, product quality affects buying stake; and third, social media marketing and product quality are correlated with purchase intention. An indicator with the most significant value in social media marketing variables is TikTok, a brand that provides information search and services tailored to customer needs. In the product quality variable, one indicator has the most significant coefficient correlation value, namely the product's appearance. Therefore, Bittersweet by Najla continues to use TikTok as a social media platform for its marketing techniques and improve the quality of its products.
社交媒体改变了公司和品牌与客户沟通的方式。为了竞争,公司运行社交媒体营销来获得竞争优势。Najla是一家中小企业,通过TikTok和产品质量进行社交媒体营销,提高购买意愿。本研究旨在确定社会化媒体营销和产品质量对购买意愿的影响。方法采用定量和非概率抽样的方法,问卷收集了207名调查对象的数据。使用SEM-LISREL进行分析。研究结果表明,第一,社会化媒体营销影响购买意愿;二是产品质量影响购买权益;第三,社会化媒体营销和产品质量与购买意愿相关。在社交媒体营销变量中,价值最高的指标是根据客户需求提供信息搜索和服务的品牌“抖音”。在产品质量变量中,有一项指标的系数相关值最为显著,即产品的外观。因此,Najla的苦乐参半继续利用TikTok作为社交媒体平台进行营销,提高产品质量。
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引用次数: 7
The Influence of Brand Trust and Satisfaction towards Consumer Loyalty of a Local Cosmetic Products Brand X among Generation Z 品牌信任和满意度对Z世代本地某化妆品品牌X消费者忠诚度的影响
Pub Date : 2023-01-31 DOI: 10.29244/jcs.8.1.27-44
M. Djamaludin, Annisa Fahira
The increasing demand for cosmetic products during the Covid-19 pandemic has encouraged companies to increase consumer trust and satisfaction so that consumers remain loyal to one brand, including a well-known local cosmetic product brand. This study aims to analyze the influence of brand trust and satisfaction towards consumer loyalty of a local cosmetic products brand X among generation Z. This study used a cross-sectional study design. Three hundred and eighteen respondents were collected by voluntary sampling. Data were collected through Google Forms online questionnaire and processed Structural Equation Modeling. The results showed that gender, age, education, and monthly income were positively and significantly related to brand trust. Age, monthly income, frequency of purchasing local cosmetic brand X, types of local cosmetic brand X products purchased, and duration of use of local cosmetic brand X products have a positive and significant relationship with consumer loyalty. The results of the SEM show that brand trust positively and significantly influences consumer satisfaction and loyalty. In addition, consumer satisfaction positively and significantly influences consumer loyalty. The lack of consumer confidence in the materials used by brand X in production indicates that consumer literacy regarding products still needs to improve.
新冠肺炎疫情期间对化妆品的需求不断增加,促使企业提高消费者的信任和满意度,以便消费者对一个品牌保持忠诚,包括一个知名的当地化妆品品牌。本研究旨在分析品牌信任和满意度对z世代本地某化妆品品牌X消费者忠诚度的影响。本研究采用横断面研究设计。通过自愿抽样收集了318名回答者。通过Google Forms在线问卷收集数据,并进行结构方程建模。结果显示,性别、年龄、受教育程度、月收入与品牌信任呈显著正相关。年龄、月收入、购买当地化妆品品牌X的频率、购买当地化妆品品牌X产品的种类、使用当地化妆品品牌X产品的时间与消费者忠诚度呈正相关关系。SEM结果显示,品牌信任正向显著影响消费者满意度和忠诚度。此外,消费者满意正向显著影响消费者忠诚。消费者对X品牌在生产中使用的材料缺乏信心,说明消费者对产品的素养还有待提高。
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引用次数: 2
The Consumer Protection on Access to Information on Sugar, Salt, and Fat 关于获取糖、盐和脂肪信息的消费者保护
Pub Date : 2023-01-31 DOI: 10.29244/jcs.8.1.45-56
Muhammad Mufti Mubarok
Around 70 percent of deaths in Indonesia are non-communicable diseases (NCDs) due to excessive consumption of sugar, salt, and fat. This study aims to determine consumer protection over sugar, salt, and fat information access. This research used a descriptive qualitative approach. Data were collected in March 2022 through Focus Group Discussions with informants from regulators, business associations, and consumer protection activists, as well as field observations in South Tangerang City and Semarang. The sampling method used was purposive sampling. Government regulations, business compliance, and supervision influence consumer rights to access sugar, salt, and fat information. Government regulations are still limited, and there needs to be an explanation of the implementation and standards. Many modern and traditional retailers still need to include information about sugar, salt, and fat, as well as health messages, in their product packaging. The government needs to intensify socialization and educate business actors regarding the obligation to include nutritional value information and health messages. Consumers also need to be educated about the dangers of excessive sugar, salt, and fat consumption and the nutritional literacy of their products.
印度尼西亚约70%的死亡是由于过度摄入糖、盐和脂肪而导致的非传染性疾病(NCDs)。这项研究旨在确定消费者对糖、盐和脂肪信息获取的保护。本研究采用描述性定性方法。通过与监管机构、商业协会和消费者保护活动人士的焦点小组讨论,以及在南丹格朗市和三宝垄的实地观察,于2022年3月收集了数据。抽样方法为目的抽样。政府法规、企业合规和监管影响消费者获取糖、盐和脂肪信息的权利。政府的规定仍然有限,需要对实施和标准进行解释。许多现代和传统的零售商仍然需要在他们的产品包装上包括关于糖、盐和脂肪的信息,以及健康信息。政府需要加强社会化,并教育企业行为者有义务将营养价值信息和健康信息纳入其中。消费者还需要了解过量摄入糖、盐和脂肪的危害,以及他们所购买产品的营养知识。
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引用次数: 0
期刊
Journal of family and consumer sciences
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