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All Journal JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Journal of Scientific Research, Education, and Technology Ezra Science Bulletin
Wulan Oktabriyantina
University of Lampung
Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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THE FAMILY FINANCIAL LITERACY TRAINING FOR HEALTHY AND RESPONSIBLE DEBT MANAGEMENT Yusuf, Maulana Ghani; Oktabriyantina, Wulan; Sanjoko, Deny Cahyadinanto; Khusniati, Navi’ah
EZRA SCIENCE BULLETIN Vol. 3 No. 1 (2025): January-June 2025
Publisher : Kirana Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/ezrasciencebulletin.v3i1.278

Abstract

Debt management is an important thing, especially in a family. If debt is not managed properly, it can pose risks both financially and socially for the family. The purpose of this study was to evaluate the effectiveness of family financial literacy training so that family debt management becomes healthier and more responsible. The research method is a quasi-experimental approach and a pretest-posttest tool conducted on PKK RT3 mothers training participants in Griya Beringin Asri Housing. The training materials include how to manage income, calculate debt ratio limits, and strategies for debt repayment. The results of this study are that there is a significant increase in training participants regarding debt risk, payment priority scales, and considerations in making wiser family financial management decisions. Based on these findings, it can be seen that community service activities with the theme of financial literacy training based on debt management can be used as a fairly effective intervention in improving family financial health.
The Childfree Choice and Female Labor Market Participation: Evidence from Indonesia Oktabriyantina, Wulan
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 4 No. 2 (2025): Vol. 4 No. 2 2025
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v4i2.769

Abstract

This study explores the relationship between childfree status and women’s labor force participation in Indonesia, using data from the March 2023 Susenas. The childfree group—defined as women who have never given birth, are not pregnant, and use contraception—comprises only 917 women (0.07% of the sample), primarily urban, educated, and of working age. Using binary logistic regression, the analysis reveals that childfree women are more likely to participate in the labor market, especially those who have never married. Although the association is only marginally significant, the trend suggests that fertility preferences may influence economic behavior. Despite the small sample, these findings provide early evidence of shifting norms among Indonesian women and emphasize the need for inclusive labor and social policies that acknowledge diverse life choices. The study adds to the limited literature on voluntary childlessness in developing countries and encourages broader discussions on gender, fertility, and employment.
Does Job Training Work? Causal Evidence of the Kartu Prakerja Program’s Impact on Labor Outcomes Oktabriyantina, Wulan; Sanjoko, Deny Cahyadinanto
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 5 No. 1 (2025): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v5i1.2013

Abstract

The Indonesian government launched the Kartu Prakerja program to address skill shortages in the labor market, particularly through digital training, with the goal of increasing employability and income levels. This study investigates the impact of Indonesia’s Kartu Prakerja program on workers’ earnings, with a particular focus on the role of digital skills training in enhancing income. Utilizing 2023 Sakernas data and Propensity Score Matching (PSM) to control for selection bias, we find that participation is associated with an average increase in monthly earnings of approximately 3.3%. However, this aggregate effects masks significant heterogeneity. The benefits accrue primarily to lower-middle-income workers, women, urban residents, and formal sector employees. We hypothesize that these groups possess more supportive environments for applying new skills. Conversely, we find no significant effect for the poorest workers, rural residents, and those in informal employment, pointing to structural barriers that prevent them from converting skills into higher wages. These findings are robust to a series of sensitivity checks. In conclusion, while Kartu Prakerja provides measurable benefits, it predominantly assists those already in more advantageous positions, highlighting the need for more targeted designs to achieve equitable income growth.
Co-Authors Khusniati, Navi’ah Sanjoko, Deny Cahyadinanto Yusuf, Maulana Ghani