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Syahrul Tanjung; Mursal Amri Harahap; M Taufiq Aldiansyah; Heri Yunus; Siti Aisyah

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in driving local economic development, particularly in rural areas that rely on the utilization of local natural resources. However, many MSMEs still face challenges in marketing aspects, especially limited use of digital technology, weak branding, and unattractive product packaging. This community service activity aims to strengthen the marketing strategy of the “Nek Surati” cassava chips MSME located in Dolok Village, Nagori Boluk, Bosar Maligas District, Simalungun Regency. The methods employed include field observations, interviews with MSME actors, descriptive analysis of existing problems, and practice-based (hands-on) assistance through digital marketing training, improvement of packaging design, and strengthening of product branding. The results indicate an increase in the digital readiness of the MSME actor, as evidenced by the adoption of WhatsApp Business, the creation of digital product catalogs, and the utilization of social media as a promotional tool. In addition, improvements in packaging design and brand identity enhanced the visual appeal and product image in the eyes of consumers. This assistance activity had a positive impact on improving the marketing capacity of the MSME and opened opportunities for expanding market reach. With continuous assistance, the “Nek Surati” cassava chips MSME has the potential to increase its competitiveness and contribute more significantly to the local economy.

Dewi Daryati; Sri Mulyeni

Jurnal Publikasi Ilmu Psikologi. 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Children with disabilities live with one or more conditions, physical, cognitive, sensory, or social, that limit their daily activities. These conditions necessitate specialized care and attention tailored to their specific needs. This study aims to explore how parents come to terms with their child’s condition, the factors that influence this acceptance, and its overall impact on family well-being. The results suggest that parental acceptance is rarely a straightforward process. It involves a complex emotional journey, often moving through stages of denial, anger, bargaining, and depression before reaching a point of acceptance. The speed and depth of this process are heavily influenced by both internal and external factors. Internally, spiritual values, educational background, and effective coping strategies play a vital role. Externally, the presence of social support and access to healthcare services are crucial. When parents embrace their child’s condition with unconditional love and focus on their potential, it significantly enhances the child’s developmental outcomes. Conversely, a lack of acceptance can increase the burden of caregiving and hinder the child’s progress.

Salsabilla Fatin; Dian Nabila Septiani; Alifia Herman; Ilham Pramudya; Siti Hikmah

Jurnal Publikasi Ilmu Psikologi. 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

This study aims to explore the dynamics of psychological empowerment among women entrepreneurs by examining how they construct entrepreneurial identity, develop competence, cultivate independence, and generate social impact through their business activities. The background of this research stems from the need for women in micro and small enterprises to receive support that extends beyond technical skill development, emphasizing psychological aspects such as self-belief, personal control, and decision-making capacity. Employing a qualitative phenomenological approach, this study involved three women entrepreneurs selected through purposive sampling. Data were collected using semi-structured interviews to capture the participants’ subjective experiences in managing their businesses. The findings reveal four central themes: entrepreneurial identity shaped by personal values and lived experiences, competence that evolves through continuous learning and problem-solving, independence reflected in decision-making and business management, and social impact manifested in the creation of economic opportunities and contributions to the surrounding community. These results illustrate that psychological empowerment among women entrepreneurs is a dynamic process formed through the interaction of personal experiences, entrepreneurial practices, and community support. The study emphasizes the importance of empowerment programs that integrate psychological strengthening alongside technical training, with communities serving as vital spaces for collective learning and mutual support. Recommendations highlight the need for holistic empowerment models that consider the sociocultural context of women entrepreneurs and foster sustainable growth in both personal and business capacities.  

Sela Ulandari; M. Yusuf; Azira Novia Rizal

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Traditional markets are an important component of the people’s economy and play a strategic role in supporting trading activities and community social life. The Government of Muaro Jambi Regency implemented a policy to relocate the Sengeti People’s Market to reorganize and improve the quality of trading facilities so they become more orderly, feasible, and representative. However, after relocation, market utilization has not functioned optimally, and various management problems persist. This study aims to analyze traditional market governance after relocation in Muaro Jambi Regency, using the Sengeti People’s Market as a case study. The research employs a qualitative approach with a case study method. Data were collected through field observations, in-depth interviews, and documentation, involving informants from the Trade Division of the Office of Cooperatives, SMEs, Industry, and Trade, as well as market managers, traders, and community members. Data analysis was conducted using descriptive qualitative techniques, including data reduction, data presentation, and conclusion drawing. The findings show that post-relocation governance has not been optimally implemented. Key issues include weak policy communication, mismatches between facilities and traders’ needs, limited trader participation, and poor coordination among relevant agencies. The study highlights that successful market relocation depends not only on physical development but also on participatory, transparent, and sustainable governance, supported by stronger institutional coordination, increased trader involvement, and continuous evaluation.

Amelia Putri Pertiwi; Emilya Yohana Natasya; Nandito Nandito; Faisal Dudayef

Jurnal Ilmu Komunikasi, Administrasi Publik dan Kebijakan Negara 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The development of social media has made influencer parenting content one of the important sources of reference for the younger generation in understanding parenting. This study aims to examine the meaning of influencer parenting content for the younger generation in building future parenting. The research uses a qualitative approach with a literature review method on various scientific publications relevant to the topics of influencers, parenting, and digital media. The results of the study show that the younger generation interprets influencer parenting content not only as a source of practical information, but also as a reference for values and an ideal representation of the role of parents. The process of interpretation takes place actively and reflectively, influenced by personal experiences, family backgrounds, digital literacy levels, and socio-cultural contexts. In addition, the credibility of influencers and the style of delivering content also affect the acceptance rate of the audience. Influencer parenting content shapes a parenting discourse that emphasizes emotional awareness, empathic communication, positive parenting, and concern for children's mental health. Thus, the future parenting of the young generation is understood as a dynamic, adaptive, and constantly evolving social construction, with digital media as one of the main shaping factors.

Muhammad Hardika Ardiansyah; Muhammad Amin Amirullah; Agus Milu Susetyo

Jurnal Ilmu Bahasa dan Pendidikan Guru Sekolah Dasar 2026 Asosiasi Periset Bahasa Sastra Indonesia

This study aims to examine the relationship between the intensity of social media use and academic writing ability of students in the Indonesian Language and Literature Education Program at Universitas Muhammadiyah Jember. This research employed a quantitative approach with a correlational design. The research sample consisted of 49 students selected using proportional sampling techniques. Data were collected through questionnaires measuring the intensity of social media use and instruments assessing academic writing ability using a Likert scale. Data analysis was conducted using descriptive statistics and Pearson correlation with the assistance of SPSS software. The results indicate that students’ social media usage intensity falls into a high category, while their academic writing ability is classified as moderate to good. The Pearson correlation analysis revealed a correlation coefficient of r = 0.731 with a significance value of 0.000 < 0.05. These findings demonstrate a positive and significant relationship between the intensity of social media use and students’ academic writing ability. Therefore, it can be concluded that social media, when utilized in a positive and academic-oriented manner, can support the development of students’ academic writing skills.

Kuni Kyla Afifah; Khaila Dila Salwa; Daffa Al Dzaki; Andryani Andryani; Ayunda Larasati Sekarputri

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

In the contemporary era,many people have yet to fully comprehend or internalize the spiritual and social dimensions of prayer (shalat). As a result, shalat is often carried out merely as a routine obligation without deep reflection on its true purpose. In fact, shalat plays a significant role in shaping personal character and social behavior. This study employs a literature review approach by examining various sources, including books, academic journals, and educational articles that discuss the concept and significance of shalat as an act of worship. The findings indicate that a profound understanding of the inner meanings of shalat can foster self-awareness, self-control, and discipline. These values strongly contribute to the development of moral and ethical character. Furthermore, shalat reflects collective religiosity through its practices and procedures, symbolizing spiritual purification, reverence for God, and awareness of human limitations. Congregational prayer further emphasizes principles of unity, brotherhood, and equality, regardless of social status or background. In addition, shalat functions as a moral safeguard that prevents individuals from engaging in immoral and harmful actions. Therefore, shalat plays a crucial role not only in strengthening spiritual devotion but also in maintaining personal integrity and social harmony.

Dzikra Tsabita Azalea; Aisyatun Munawaroh; Didik Tri Setiyoko

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the obstacles in Social Studies (IPS) learning related to global issues influenced by technological advancement through a literature review method. Social Studies plays an essential role in shaping students’ understanding of social, economic, cultural, and political life while fostering global awareness in the digital era. However, in practice, IPS learning often faces various challenges that reduce its effectiveness and attractiveness. One of the main problems is students ’low interestin IPS, as it is often perceived as boring and overly theoretical, combined with the influence of technology that diverts students’ attention toward digital entertainment. Other contributing factors include non-interactive teaching methods, limited learning facilities, unconducive classroom environments, and a lack of parental support. Through a comprehensive literature review, this study found that relevant strategies to overcome these issues include Project-Based Learning, Technology Integration, and Contextual Approaches. These strategies enable students to learn actively, critically, and collaboratively by linking IPS material to global issues and real-world phenomena. The recommended solutions include implementing project-based education, utilizing interactive digital media, and fostering intercultural dialogue within the learning process. The results of this study are expected to provide theoretical contributions to the development of adaptive IPS learning models in response to technological progress, as well as practical benefits for teachers, schools, and policymakers in creating Social Studies learning that is engaging, meaningful, and relevant to the global challenges of the 21st century.

Anugrah Satria Darmawan; Febby Ardera Br. Ginting; Mivtahul Zannah; Terang Claudia Simanjuntak; Mutiara Firdausi An Tasya +1 more

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Early childhood growth and development detection is an important process to identify potential physical, cognitive, emotional, and social developmental disorders in children before the age of six, which can help prevent long-term health and educational problems. Developmental screening is an initial assessment activity conducted to determine a child’s level of development according to their age. This screening aims to detect early whether a child’s development is within normal limits or if there is a possibility of developmental delay. This study aims to examine the developmental screening of children aged 5–6 years at RA Bunayya II. The research method used is qualitative research. Data were collected through observation and interviews. The results of the study indicate that all children are in the category of Developing as Expected. This is shown by the predominance of “Yes” responses on the indicators of the Pre-Developmental Screening Questionnaire (KPSP), which include aspects of speech and language, gross motor skills, fine motor skills, as well as social-emotional development and independence.

Alannah Grace Kuhn

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Attention span and cognitive focus in young minds these days are increasingly structured by the growing influence of digital distractions. Drawing from the ideas of Foucault and Nietzsche, this paper examines how technology molds behavior and, at the same time, is used as a tool of control through power relations. This digitally fosters a form of nihilism, the sense life has no purpose. By using a mixed-methods approach, this research combines the surveying and in-depth interviewing of students and instructors about how technology influences attention, learning, and academic performance. Results indicate that while technology brings many benefits, it also provides significant challenges-most notably via social media and smartphone distractions. These distractions reduce attention spans, decrease deep learning, and contribute to cognitive overload. This study therefore calls for the integration of technology into education in a balanced way, highlighting digital literacy, mindful use, and distraction-reduction strategies. In the process, self-awareness, self-regulation, and responsible use will allow people to use its benefits rather than fall into disengagement and cynicism. Technology should serve as a tool for learning and growth-not a barrier to focus and intellectual development.

Hafizh Rafid Hardian; Reifan Mezquita Aziez; Anis Nada Khairin; Andriyani Andriyani; Raghib Filhaq

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study discusses the role of prayer in shaping character and daily ethics as one of the main pillars of Islamic teachings. Prayer is not merely a ritual act of worship but also serves as a means of spiritual and moral education and shapes the overall personality of Muslims. This study uses a literature review method by examining various sources such as books, journals, and scientific articles relevant to Google Scholar from 2020 to 2025, sourced from 20 Indonesian-language journals and 5 English-language journals. Based on this background, prayer plays an important role in instilling values of discipline, responsibility, sincerity, patience, and self-reflection, which contribute to the formation of an individual's character and integrity. In addition, prayer also serves as the foundation of social ethics by fostering honesty, justice, empathy, politeness, and solidarity in social interactions. There is also congregational prayer, which, when performed, can strengthen the values of togetherness, brotherhood, and social concern, which are the foundations of a harmonious social life. Research shows that consistent and solemn prayer practices can control desires, prevent immoral and evil deeds, and provide mental and spiritual balance for the practitioner. Thus, prayer is an important instrument in the moral and spiritual development of Muslims and is relevant in facing modern challenges such as stress and social ethical degradation.

Winan Kristin Tambunan; Giovanny Engellika; Ivan Rusliyanto; Mulyono Sutanto; Vina Vina

Jurnal Manajemen Bisnis Digital Terkini 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The rapid development of generative Artificial Intelligence (AI) technology offers significant efficiency opportunities across various sectors; however, empirical research within the local Indonesian context, particularly in Batam City, remains scarce. This exploratory study aims to analyze the influence of positive perception, negative perception, and AI regulation understanding on technology adoption trends, as well as productivity and product innovation opportunities among creative industry players. The creative industry is a focal point due to the inherent tension between technological efficiency and the preservation of human originality in the creative process. This research employs a quantitative causal approach, utilizing a sample of 30 respondents reached through snowball sampling techniques. Data analysis was performed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS software. The findings reveal that only positive perception has a significant direct impact on product innovation (p=0.004), while AI regulation and technical adoption do not show significant effects. This suggests that a positive technology mindset is a more decisive factor for innovation than technical mastery or current regulatory compliance. These results underscore the urgent need for local government socialization of AI policies and enhanced digital literacy for Batam's creative practitioners to transform them from mere users into strategic AI-driven innovators.

Diyah Andini Kusumastuti; Alisia Zahro’atul Baroroh; Ahmad Ta’rifin; Elis Nursetialloh

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

The quality of human resources (HR) in Islamic and public primary schools (MI/SD) is a key factor in improving the quality of basic education and is strongly influenced by the leadership role of the school principal. Principals function not only as administrators but also as instructional leaders who are capable of mobilizing teachers and educational staff to develop professionally. This study aims to analyze the role of school principal leadership in improving the quality of human resources in MI/SD, particularly in terms of pedagogical, professional, social, and personal competencies of teachers and educational staff. This research employed a qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and documentation studies, while data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that visionary, participatory, and transformational leadership of school principals plays a significant role in enhancing the quality of human resources. Principals actively encourage teacher professional development through academic supervision, continuous training, teamwork empowerment, and the creation of a supportive and collaborative school culture. In addition, the principal’s exemplary behavior in discipline, communication, and decision-making contributes positively to increasing motivation and performance among teachers and staff. The implications of this study suggest that improving the quality of basic education in MI/SD requires strengthening school principals’ leadership competencies so that they are able to manage and develop human resources in a sustainable manner and oriented toward educational quality improvement.

Nurhayati Nurhayati; Elpisah Elpisah; Saripuddin Saripuddin; Suarlin Suarlin

International Journal of Educational Evaluation and Policy Analysis 2026 Asosiasi Riset Ilmu Pendidikan Indonesia

This study aims to: (1) describe the implementation of local wisdom–based learning in the teaching process of Grade VII B at UPT SMP Negeri 4 Kelara Jeneponto; (2) determine the improvement of students’ social awareness after the implementation of local wisdom–based learning; and (3) identify the enhancement of students’ learning culture through the application of this learning model. The research employed a Classroom Action Research (CAR) design using the Kemmis and McTaggart model, conducted in two cycles consisting of planning, action, observation, and reflection. The subjects were 25 seventh-grade students, focusing on two main variables: social awareness and learning culture. Data were collected through observation, questionnaires, and documentation, and analyzed using descriptive quantitative and qualitative techniques. The findings indicate that the integration of Jeneponto cultural values Tabe’ Karaeng, Sipakatau, Sipakalabbiri, Sipakainga, Siri’ na Pacce, Akbulo Sibatang, and empo sipitangari was implemented effectively and became more optimal in Cycle II after improvements were made through Problem-Based Learning (PBL) and the use of more contextual local cases. Students’ social awareness increased from an average of 63.13% in Cycle I (categorized as Fair) to 80.42% in Cycle II (categorized as High). Similarly, students’ learning culture improved from 69.69% (Fair) in Cycle I to 82.66% (High) in Cycle II, meeting the classical mastery criteria. The study concludes that integrating local wisdom into classroom instruction not only strengthens students’ understanding of social studies content but is also effective in shaping their social character and learning habits. This model is recommended for development in other subjects and educational levels.

Endang Wiguna W; Mutiara Permana; Nur Oktaviani S; Faisal Dudayef

Saturnus: Jurnal Teknologi dan Sistem Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The information technology revolution has brought significant changes to almost all aspects of people's lives, from communication patterns and ways of obtaining information to production and trade systems across various sectors. The development of digital technology has also driven cultural, social, and economic changes that require society to continuously adapt. This article aims to examine how society adapts to these changes through a literature review approach, examining various relevant scientific sources. The discussion focuses on digital literacy, human resource (HR) transformation, the concept of Society 5.0, the psychological impact of digital technology use, the role of public policy, and the use of technology in the economic sector. The study results indicate that the success of societal adaptation is greatly influenced by the level of digital literacy and the readiness of human resources to face increasingly rapid technological developments. Furthermore, public policies that support equal access to technology and digital education are crucial factors in this adaptation process. Equitable digital literacy and the development of adaptive and flexible human resources are key strategies for maximizing digital economic opportunities while addressing various social challenges in the era of information technology transformation.

Andiny Putri Vanosha; Azizah Azizah; Febrian Febrian; Greshela Putrinova; Hafizah Luthfiyyah +6 more

Studi Administrasi Publik dan ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to comprehensively examine the role of social media influencers in shaping public opinion among university students through a literature review approach. The background of this research is based on the rapid development of information technology and social media, which has given rise to influencers as new communication actors with strong influence in the digital public sphere. Influencers act as opinion leaders who not only deliver information but also frame messages, construct narratives, and disseminate various issues to their audiences. University students are selected as the focus of this study because they represent an active, critical group of social media users who are highly exposed to digital content. The research method employs a literature review by analyzing various national and international scholarly journals relevant to the topics of influencers, social media, and public opinion formation. The findings indicate that influencers have a significant impact on shaping students’ mindsets, attitudes, perceptions, and attention toward social, political, cultural, and lifestyle issues. Factors such as credibility, popularity, and the intensity of interaction between influencers and their audiences play an important role in determining the effectiveness of this influence. Based on these findings, it can be concluded that social media influencers play a strategic and increasingly dominant role in the process of public opinion formation among university students in the era of digital communication.

Hasbiyadi Hasbiyadi; Abd. Mansyur; Zulfkri Soekarno; Ansir Launtu; Lucina Kanji +2 more

Jurnal Pengabdian Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

Women's empowerment at the village level is a strategic step in strengthening household economics, especially in transitional areas such as Sunggu Manai Village, Pattallassang District. The main problems faced by partners are low productive skills and a lack of financial literacy, leading to economic dependence and vulnerability to illegal lending schemes. This community service activity aims to increase women's economic capacity through technical skills training and financial management. The method used is Asset-Based Community Development (ABCD) with stages of socialization, hardskill training (making processed products), and financial literacy workshops (cash management and investment awareness education). The results of the activity showed an increase in participants' knowledge by 45% based on pre-test and post-test scores. Furthermore, participants were able to manufacture products with marketable packaging standards and gained a new understanding regarding the separation of business cash from domestic cash. The conclusion of this activity is that the integration of practical skills and financial intelligence can encourage women's economic independence and create more sustainable family financial resilience.

Juniar Hadianti; Dinda Sri Damayanti; Khairul Saleh

Repeater : Publikasi Teknik Informatika dan Jaringan 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The process of determining eligibility for social assistance recipients is often constrained by subjective assessments and uncertainty in decision-making criteria. This condition can lead to inaccurate targeting and unfair distribution of aid. Therefore, an appropriate decision support method is required to handle data uncertainty effectively. This study aims to apply the Fuzzy Mamdani method to determine the eligibility of social assistance recipients based on several assessment criteria. The criteria used in this study include monthly income, number of dependents, and housing conditions. The research method consists of data collection, fuzzification, formulation of fuzzy rules, inference using the Mamdani approach, and defuzzification to obtain a crisp output value. The results show that the Fuzzy Mamdani method is able to classify recipients into eligible and non-eligible categories more flexibly compared to conventional methods. The generated eligibility values reflect real conditions more accurately by considering degrees of membership for each criterion. The implementation of this method can assist decision-makers in improving the accuracy, objectivity, and fairness of social assistance distribution. This research is expected to contribute to the development of intelligent decision support systems in the social welfare sector.

Siti Khadijah Nasution; Taufik Ashar; Juanita; Tukiman; Devi Nuraini Santi

Sevaka : Hasil Kegiatan Layanan Masyarakat 2026 STIKES Columbia Asia Medan

Diabetes mellitus and hypertension can be prevented through the consistent adoption of a healthy lifestyle. Women participating in religious study groups are an important segment of the community, as they play a significant role in shaping family lifestyles. A total of 30 Muslim women from the Perwiritan Muslimat Al-Jamiatul Amaliyah in Kampung Lalang, Sunggal, Deli Serdang, participated in the community service activities consisting of education and training on the prevention and management of diabetes mellitus and hypertension. The activities began with socialization of the community service program, followed by preparation by the team, including the development of educational materials and the design of pre- and post-test instruments. Based on the Wilcoxon test, the educational intervention was found to have a significant effect. This was reflected in an increase in participants’ knowledge regarding diabetes mellitus and hypertension after the intervention. Among the 30 participants, 43.3%  were classified as pre-hypertensive, 40% had stage 1 hypertension, 10% experienced a hypertensive crisis, 3.3% had stage 2 hypertension, and only one participant had normal blood pressure. Of the 30 women whose fasting blood glucose levels were measured, 43.3% were classified as pre-diabetic, 23.3% had diabetes mellitus, and 33.3% had normal glucose levels. The participants expressed their hope that future activities would include cholesterol level examinations.

Hasbiyadi Hasbiyadi; Abd. Mansyur; Zulfkri Soekarno; Ansir Launtu; Lucina Kanji +2 more

Jurnal Pengabdian Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

Women's empowerment at the village level is a strategic step in strengthening household economics, especially in transitional areas such as Sunggu Manai Village, Pattallassang District. The main problems faced by partners are low productive skills and a lack of financial literacy, leading to economic dependence and vulnerability to illegal lending schemes. This community service activity aims to increase women's economic capacity through technical skills training and financial management. The method used is Asset-Based Community Development (ABCD) with stages of socialization, hardskill training (making processed products), and financial literacy workshops (cash management and investment awareness education). The results of the activity showed an increase in participants' knowledge by 45% based on pre-test and post-test scores. Furthermore, participants were able to manufacture products with marketable packaging standards and gained a new understanding regarding the separation of business cash from domestic cash. The conclusion of this activity is that the integration of practical skills and financial intelligence can encourage women's economic independence and create more sustainable family financial resilience.