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All Journal Media Ekonomi dan Manajemen Jurnal Mirai Management Journal of Economic, Bussines and Accounting (COSTING) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Suara Pengabdian 45 West Science Journal Economic and Entrepreneurship Jurnal Informasi Pengabdian Masyarakat Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Untag Business and Accounting Review Serat Acitya Indonesian Journal of Community Empowerment Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat
Musprihadi, Ribut
Fakultas Ekonomika Dan Bisnis UNTAG Semarang
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Strategi Pengelolaan Keuangan bagi Generasi Sandwich (Upaya Mewujudkan Ketahanan Finansial Keluarga) di Kecamatan Mijen Kota Semarang Muchayatin Muchayatin; Parju Parju; Sulistyani Sulistyani; Joko Riyanto; Setyobudi Setyobudi; Siti Aminah; Ribut Musprihadi
Jurnal Informasi Pengabdian Masyarakat Vol. 4 No. 2 (2026): Mei :Jurnal Informasi Pengabdian Masyarakat
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/jipm-nalanda.v4i2.2237

Abstract

This community service program aims to improve financial literacy among the sandwich generation in Mijen District, Semarang City - a group that simultaneously shoulders the financial responsibilities of three generations. The program adopted a research-based educational approach involving 92 respondents, with the 40-30-20-10 income allocation method serving as the primary intervention tool. Implementation was carried out across four stages: situational analysis, pre-test, an educational workshop with hands-on simulation, and post-test evaluation. The results revealed that participants' average financial literacy scores rose by 83.7% following the intervention, with the most notable gain observed in the emergency fund formation indicator, which reached 116%. These findings affirm that a simulation-based educational approach can meaningfully shift community financial behavior, particularly in managing day-to-day spending and building financial reserves. To sustain these gains, the program recommends ongoing community mentoring as a long-term strategy for reinforcing financial discipline well beyond the workshop itself.
Co-Authors Agung Wibowo Ardaningtyas, Syella Prasetya Aris Mardiyono Camilus Isidorus Camilus Isidorus Ikut Deewar Mahesa Frans Sudirjo Harahap, Rahma Hayati hasyim, hasyim Heru Eko Prasetyo Ikut, Camilus Isidorus Joko Riyanto Judijanto, Loso Kurniawan, Sendy Maulana, Niqoo Muchayatin Muchayatin Muchayatin, Muchayatin Mustofa, Muhammad Bisri Nur Atiqa Yuniarti NURCHAYATI Nurchayati Nurchayati Paimin, Iwan Parju Parju Parju Parju, Parju Prasetyo, Heru Eko Puji Setya Sunarka Ramli Semmawi Rr.Suprantiningrum Ryan Arya Pramudya SATRIYAS ILYAS Sayuti, Bangkit Johan Setyobudi Setyobudi Setyobudi Setyobudi Setyobudi SITI AMINAH Siti Aminah Sri Puji Lestari Sudirja, Frans Sukardi Sukardi SULISTIYANI SULISTIYANI SULISTIYANI SULISTIYANI Sulistyani Sulistyani Sulistyani Sulistyani Suparmi Suparmi Suparmi Suparmi W, Annisa Gita Wardani, Mia Widyowanto, M. Agung ‘Adilah, Jihan Miftah