Model Pemberdayaan Nelayan Kecil Berbasis Literasi Keuangan dan Kewirausahaan Perikanan di Kabupaten Seruyan

Abstract

Small-scale fishermen remain one of the most vulnerable coastal communities due to low financial literacy, limited entrepreneurial capacity, weak institutional support, and restricted access to financing and markets. These challenges highlight the need for a more comprehensive and sustainable empowerment model. This study aims to develop a Small-Scale Fishermen Empowerment Model Based on Financial Literacy and Fisheries Entrepreneurship in Seruyan Regency. A qualitative approach was employed in Seruyan Regency, Central Kalimantan, from March to May 2026. The informants consisted of small-scale fishermen, village officials, and officers from the Seruyan Fisheries Office who were selected purposively. Data were collected through in-depth interviews, observations, and documentation, and analyzed using the interactive model of Miles, Huberman, and Saldaña, including data condensation, data display, and conclusion drawing. The findings indicate that improving fishermen's welfare requires strengthening financial literacy, fisheries entrepreneurship, institutional capacity, and sustainable mentoring through a pentahelix collaboration approach. This study proposes an integrated empowerment model that combines these four pillars to enhance business independence, expand access to finance and markets, and improve the sustainable welfare of small-scale fishermen.