Makna Bantuan dan Proses Pembelajaran Informal: Resiliensi Keluarga Penerima Program Keluarga Harapan (PKH) The Meaning of Assistance and Informal Learning Processes: Resilience of Program Keluarga Harapan (PKH) Recipient Families
Article Sidebar
Page Numbers:
2854-2870
Digital Object Identifier:
10.58578/arzusin.v5i6.8230
Viewed: 99 times
Downloaded: 98 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Ahmad Fauzi1*, Nining Purwaningsih2, M. Syadeli Hanafi3 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
Although the Program Keluarga Harapan (PKH) is designed to enhance the welfare and self-reliance of vulnerable families through financial assistance combined with educational activities such as P2K2/P3K, its implementation effectiveness does not always align with the policy design. This study aims to explore the experiences of PKH beneficiaries in the subdistricts of Cadasari and Karangtanjung and the City of Cilegon to understand how the assistance is interpreted, implemented, and perceived in relation to behavioral change and the development of beneficiaries’ capacity for self-reliance. Adopting a qualitative approach with an interpretative phenomenological method, the study draws on in-depth interviews, program observations, and document analysis. The findings reveal four main themes: assistance is more often perceived as a routine entitlement than as a transformative instrument; low financial and digital literacy constrains the optimal utilization of benefits; P2K2/P3K activities tend to function as administrative procedures rather than genuine learning spaces; and local resilience develops through informal coping strategies grounded in social capital. These findings indicate that PKH beneficiaries are not in a passive position but actively develop adaptive strategies, although these strategies are not yet fully oriented toward long-term economic self-reliance. The study concludes that PKH effectiveness requires a shift in implementation from mere benefit distribution to an empowerment-oriented model that strengthens financial and digital capacities, enhances the quality of adult-learning-based mentoring, and integrates local social capital into the program’s formal mechanisms. This study contributes to the development of an adaptive social protection approach in Indonesia and offers implementable recommendations for strengthening literacy and mentoring that are sensitive to local contexts.
Citation Metrics:
Downloads
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Badan Pusat Statistik Provinsi Banten. (2024). Profil Kemiskinan di Provinsi Banten Maret 2024. https://banten.bps.go.id/pressrelease.html
Bastagli, F., Hagen-Zanker, J., Harman, L., Barca, V., Sturge, G., & Schmidt, T. (2016). Cash Transfers: What Does the Evidence Say? A Rigorous Review of Programme Impact and of the Role of Design and Implementation Features. Overseas Development Institute.
Braun, V., & Clarke, V. (2006). Using Thematic Analysis in Psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Creswell, J. W. (2014). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (4th Ed.). SAGE Publications.
Eatough, V., & Smith, J. A. (2017). Interpretative Phenomenological Analysis. In C. Willig & W. Stainton-Rogers (Eds.), the SAGE Handbook of Qualitative Research in Psychology (2nd Ed., Pp. 193–209). SAGE Publications. https://doi.org/10.4135/9781526405555.n12
Febriantina, S., Susita, D., Saparuddin, Sholikhah, Zakaria, A., Fadillah, N., Rahmi, Pratama, A., Sasmi, A. A., Malzara, V. R. B., & Azalia, F. C. (2023). Family Financial Literacy Training in Beji, Depok. Jurnal Pemberdayaan Masyarakat Madani (JPMM), 7(2), 166–178. https://doi.org/10.21009/jpmm.007.2.01
Gasior, K., Wright, G., Barnes, H., & Noble, M. (2024). Adaptive Social Protection in Indonesia: Stress‐Testing the Effect of a Natural Disaster on Poverty and Vulnerability. Social Policy & Administration, 58(3), 505–520. https://doi.org/10.1111/spol.12983
Gentilini, U. (2022). Cash Transfers in Pandemic Times: Evidence, Practices, and Implications from the Largest Scale up in History. World Bank. https://doi.org/10.1596/37700
Hanna, R. (n.d.). Cumulative Impacts of Conditional Cash Transfer Programs: Experimental Evidence from Indonesia.
Juma, L. (n.d.). Spotlight on the Global Social Policy and Social Protection Thematic Fund 2024.
Knowles, M. S. (1980). The Modern Practice of Adult Education: from Pedagogy to Andragogy. Cambridge Adult Education.
Liu, T., Fan, M., Li, Y., & Yue, P. (2024). Financial Literacy and Household Financial Resilience. Finance Research Letters, 63, 105378. https://doi.org/10.1016/j.frl.2024.105378
Moleong, L. J. (2019). Metodologi Penelitian Kualitatif (Edisi Revisi). Remaja Rosdakarya.
Ozili, P. K. (2018). Impact of Digital Finance on Financial Inclusion and Stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003
Pahleviannur, M. R., Pd, S., Saputra, D. N., Pd, S., Sn, M., Mardianto, D., Sinthania, N. D., Kep, S., Kep, M., Hafrida, L., Pd, S., Si, M., Bano, V. O., Si, S., Pd, M., Susanto, E. E., Ak, M., Amruddin, D., Pt, S., … Lisya, M. (n.d.). Metodologi Penelitian Kualitatif.
Purnomo, M. A. (2022). Digitalization of Social Protection Systems Policy in Indonesia as a Step Towards Society 5.0. In Universitas Lampung International Conference on Social Sciences (Ulicoss 2021), Bandar Lampung, Indonesia. https://doi.org/10.2991/assehr.k.220102.014
Purwaningsih, N., Sihaloho, R. B., Amalia, S., Hurriah, L., & Inayah, I. (2025). Developing a Financial Literacy Guidebook for Families Using the Addie Model: a Nonformal Education Approach. Journal of Urban Development in Education, 1(1), 28–36. https://journal.nalatama.org/index.php/jude/article/view/15
Sarwar, M. B., Diepeveen, S., & Moreno, D. B. (n.d.). Cash Transfers and Digital Financial Inclusion: Regional Evidence from Asia Pacific with a Focus on Bangladesh, Cambodia, and Nepal.
Sen, A. (2001). Development as Freedom. Oxford University Press.
Setiawati, R. I., & Shofwan, I. (2023). Implementasi Prinsip Pendidikan Orang Dewasa pada Pelatihan Tata Busana di Satuan Pendidikan Non Formal SKB Ungaran. Lifelong Education Journal, 3(1), 39–59. https://doi.org/10.59935/lej.v3i1.180
Sulastri, A. S., Salyanty, A., Febrianti, R., Siregar, Y. P., Retnowati, G., Wright, G., & Kapoor, R. (n.d.). Impact of the Covid-19 Pandemic on Program Keluarga Harapan (PKH) Beneficiaries and Program Implementation.
Sumiyarno, S. (2007). Pembelajaran Orang Dewasa Berbasis Andragogi: Tinjauan Teori. JIV, 2(1), 49–55. https://doi.org/10.21009/jiv.0201.7
World Bank. (2023). Cash Transfers in Pandemic Times: Evidence, Policy Lessons, and Future Pathways. World Bank. https://doi.org/10.1596/978-1-4648-1789-8
World Bank. (2024). Digital Progress and Trends Report 2023. World Bank. https://doi.org/10.1596/978-1-4648-2049-6