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All Journal LEBAH JURNAL ECONOMINA
Yayuk Rufiatun
Universitas Pamulang, Indonesia
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Determinants of the Human Development Index for Women: The Role of Education and Income Inequality Pebrianti Pawestri; Yayuk Rufiatun; Riki Haryono; Tri Suseno Aji; Ichwan Putra Arianto
JURNAL ECONOMINA Vol. 5 No. 5 (2026): JURNAL ECONOMINA, Mei 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i5.2163

Abstract

Women's empowerment is an important step in creating equitable and sustainable development. Women not only play a role within the family sphere, but also have a significant contribution in the fields of education, economics, social affairs, and national development to demonstrate their capacity and potential as human resources capable of driving economic growth and improving community welfare. This study aims to examine the effect of Expected Years of Schooling and the Gini Index on the Human Development Index (HDI) of Women in Banten Province for the period 2020–2025. Women's human development is an important indicator in measuring the quality of life of women through aspects of education, health, and economic welfare. Expected Years of Schooling reflects women's access to education, while the Gini Index illustrates the level of income inequality in society. This study uses a quantitative approach with time series data for the period 2020–2025 obtained from the Central Statistics Agency (BPS). The analytical method used is multiple linear regression with the help of the E-Views application. The results show that Expected Years of Schooling has a positive and significant effect on the HDI of Women with a coefficient value of 6.225901 and a probability of 0.039 0 <0.05. Meanwhile, the Gini Index has a negative and significant effect on the Female Human Development Index with a coefficient value of -47.10225 and a probability of 0.0464 < 0.05. Simultaneously, Expected Years of Schooling and the Gini Index have a significant effect on the Female Human Development Index with an F-statistic probability value of 0.018708 < 0.05. The coefficient of determination (R2) value of 0.929528 indicates that 92.95% of the variation in the Female Human Development Index can be explained by the Expected Years of Schooling and the Gini Index variables, while the rest is influenced by other factors outside the study. Increasing access to women's education and reducing income inequality are important factors in improving the quality of women's human development in Banten Province.
Edukasi Finansial Syariah Berbasis Simulasi Praktik Mandiri: Solusi Kesenjangan Literasi Keuangan Santri Mastiah Mastiah; Yayuk Rufiatun; Muhamad Arifin
Lebah Vol. 19 No. 6 (2026): July: Pengabdian
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/lebah.v19i6.574

Abstract

Kesenjangan literasi keuangan syariah di kalangan generasi muda sering kali memicu perilaku konsumtif yang tidak akuntabel. Guna mengatasi permasalahan tersebut, program Pengabdian kepada Masyarakat (PkM) ini dirancang untuk meningkatkan wawasan sekaligus keterampilan para santri dalam mengelola dana personal secara mandiri berdasarkan kaidah keuangan syariah. Inisiatif ini dilaksanakan di Pondok Pesantren KULNI, Kecamatan Cikande, Kabupaten Serang, dengan melibatkan 36 santri tingkat akhir sebagai peserta. Skema pelatihan diaplikasikan melalui kombinasi ceramah interaktif, diskusi kelompok, simulasi penyusunan rencana anggaran mandiri, serta penggunaan instrumen pre-test dan post-test untuk mengukur efektivitas program. Hasil kegiatan menunjukkan kemajuan signifikan pada pemahaman santri mengenai esensi literasi keuangan syariah, urgensi menabung, kontrol pengeluaran, dan kemampuan merancang pembukuan kas sederhana. Secara kuantitatif, rata-rata skor capaian peserta meningkat signifikan, dari 58% pada saat pre-test menjadi 84% pada evaluasi post-test. Selain itu, terdapat perubahan perilaku yang lebih positif dari para peserta dalam mengelola uang saku bulanan. Temuan ini membuktikan bahwa edukasi keuangan syariah berbasis simulasi praktik langsung efektif dalam membangun kemandirian finansial generasi muda di lingkungan pesantren
Co-Authors Haryono, Riki Ichwan Putra Arianto Mastiah Mastiah Muhamad Arifin Pebrianti Pawestri Tri Suseno Aji