Asian Journal of Fisheries and Aquatic Research

This survey presents a profile and analyzes the financial capital of Karangsong Village, aiming to develop sustainable livelihoods to improve the welfare and survival of fishermen. The survey was conducted from December 1, 2024, to April 30, 2025. The method used was a Mixed Method (qualitative and quantitative) through questionnaires, interviews (expert judgment), and observations. This survey employed purposive sampling following several criteria with a total of 38 respondents. The data analysis method used quantitative and qualitative descriptive analysis assisted by the use of a Likert scale. The dominant characteristics were age 25-35 years (57.89%), elementary school education (57.89%), and status as crew members (86.84%). The results showed that the financial capital condition of fishermen was in the moderate category with an average value of 2.72 (54.4%). The community income aspect obtained the highest score of 3.47 (69.47%) with the ability to diversify income through alternative jobs, followed by debt access with a value of 3.33 (66.58%), reflecting ease of access to both formal and informal financing sources. However, the investment aspect showed a low value of 1.74 (34.74%), indicating limitations in allocating income for long-term investments. This analysis reveals weaknesses in the form of minimal savings, low investment, and limited access to formal financial institutions. In conclusion, to support sustainable livelihoods for fishing communities, strategies are needed to improve financial literacy, facilitate access to microfinance, diversify non-fishery businesses, and educate about the importance of saving for long-term investments.