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All Journal JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Journal of Scientific Research, Education, and Technology Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Ezra Science Bulletin
Yusuf, Maulana Ghani
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ADDRESSING STRUCTURAL POVERTY IN KLUWUT VILLAGE FOR FISHERMEN FAMILIES Pratysto, Tangguh; Sugiyanto, Fransiscus Xaverius; Yusuf, Maulana Ghani; Sanjoko, Deny Cahyadinanto; Fajri, Moh Najikhul
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.v3i1.274

Abstract

Brebes Regency is one of the areas with the highest poverty rates in Central Java. In Kluwut Village, although many residents have relatively high incomes as fishermen, poverty still occurs due to suboptimal household financial management and low awareness of children's nutrition and health. This community service program aims to identify the causes of poverty with a multidimensional approach based on Amartya Sen's theory, including fundamental inability, lack of freedom, and inequality. The methods include field observation, interviews with the community and village officials, and secondary data analysis. The results of the study show that the economic potential of Kluwut Village from the fisheries sector is quite large. However, unhealthy financial practices such as the habit of going into debt and high stunting rates are still a problem. Intervention programs such as providing healthy food and “Posyandu” are considered ineffective due to weak supervision and limited budget. Therefore, financial education is needed for fishing families, strengthening stunting interventions, and validating nutritional measurement tools. Continuous collaboration between academics, local governments, and the private sector is required in order to overcome structural poverty and improve the quality of life of the people in Brebes.
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.
LABOR FORCE PARTICIPATION TRENDS: DOES SOCIO-DEMOGRAPHIC MATTERS? STUDY CASE IN BREBES DURING 2011-2023 Yusuf, Maulana Ghani; Khusniati, Navi'ah
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 3 No 3 (2025): FEBRUARI
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v3i3.908

Abstract

Brebes Regency is the regency with the largest population in Central Java. This regency faces major challenges in the employment sector, namely the condition of the Labor Force Participation Rate (LFPP) which is in the third lowest position among regencies/cities in Central Java. The low LFPP figure shows that many working-age residents are not absorbed in economic activities. The situation is worsened by the alarming rate of joblessness, which ranks second only to Tegal City, and the poor Human Development Index (HDI) ranking in Central Java. The main objective of this research is to examine the patterns and factors that impact the involvement of the workforce in Brebes Regency from 2011 to 2023. Employing a quantitative method, this research seeks to identify how sociodemographic elements influence labor force participation in Brebes Regency. Multiple linear regression analysis was utilized in this study to examine the connection between variables by employing SPSS software. The regression results indicated a significance level of 0.001 and an F value of 14.202. These findings suggest that sociodemographic factors collectively play a significant role in influencing labor force participation in Brebes Regency. Partially, the sociodemographic factor that has the highest significant influence is the HDI. Based on these findings, improving the quality of education and health is the government's main focus so that workforce participation can be more optimal. Thus, it is hoped that the high population can be utilized to increase regional development in Brebes Regency which is reflected in the high level of workforce participation.
The Analyzing Poverty Triggers in Central Java: HDI, Gini Ratio, and Unemployment (2011-2024) : Study on Central Java Across 2011-2024 Yusuf, Maulana Ghani; Ramadhan, Muhammad Syah Fibrika
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.v4i2.765

Abstract

Poverty remains a critical global challenge, central to the UN’s Sustainable Development Goals (SDGs), which aim to eradicate extreme poverty by 2030. This study examines the impact of the Human Development Index (HDI), unemployment, and income inequality (Gini Ratio) on poverty rates in Central Java (2011–2024) using quantitative methods. Time-series data from Indonesia’s Central Statistics Agency (BPS) were analyzed through multiple linear regression, preceded by classical assumption tests to ensure validity. Results indicate that HDI significantly reduces poverty, underscoring the importance of enhancing education, health, and living standards. However, unemployment and income inequality showed no statistically significant effects in this model, suggesting the need for deeper contextual analysis. These findings highlight the prioritization of HDI improvement in poverty alleviation strategies, while also considering complementary factors like infrastructure and social protection. The study contributes to SDG-oriented policymaking but recommends further research with expanded variables and broader samples to refine poverty reduction frameworks. By focusing on human capital development, Central Java can advance toward inclusive, sustainable poverty eradication.
From Phone to Finance: Indonesian Female Patterns in Store Payments Khusniati, Navi'ah; Yusuf, Maulana Ghani
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.v4i2.782

Abstract

This study investigates the influence of gender and women’s employment status on mobile phone use for in-store financial transactions in Indonesia. Using micro data from the 2021 Global Findex survey and a logistic regression model, this study analyzes the extent to which being a woman, as well as being an employed woman, influences the likelihood of using a mobile phone for in-store transactions. The results show that in general, although not significantly, women are less likely than men to use mobile phones for in-store transactions. However, employed women have a significantly higher probability of using mobile phones for this purpose than unemployed women. These findings demonstrate the importance of women’s participation in the workforce on digital financial behavior in developing countries. Equalizing access to digital literacy and empowering women’s economy are key to driving fairer digital financial inclusion. Robustness tests show that the average marginal effects obtained are consistent. This study contributes to the literature on gender-based digital financial inclusion and provides policy implications for expanding access to mobile financial services more equitably, especially in developing countries.
Rethinking Poverty Reduction: The Role of HDI Components and Labor Force Participation in Semarang Sanjoko, Deny Cahyadinanto; Yusuf, Maulana Ghani
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.v4i2.785

Abstract

This study investigates the influence of the Human Development Index (HDI) and its components—life expectancy and per capita expenditure—along with the labor force participation rate (LFPR), on poverty in Semarang City using time series data from 2010 to 2024. Two regression models were tested: Model 1 used HDI and LFPR, while Model 2 used life expectancy, per capita expenditure, and LFPR. The results show that per capita expenditure significantly reduces poverty, while life expectancy shows a positive and significant effect. HDI also has a negative and significant effect in the aggregate model. LFPR is not statistically significant in either model. Both models passed classical assumption tests, and Model 2 showed higher explanatory power than Model 1. These findings highlight the importance of income in poverty reduction and suggest further research into the demographic dimensions of poverty. Comparative modeling is recommended for broader policy insights.
How Regional Income Affects Poverty Reduction: A Study of Central Java (2017-2020) Yusuf, Maulana Ghani; Pratysto, Tangguh
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 4 No. 4 (2025): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v4i4.1916

Abstract

Poverty remains one of the most pressing development challenges in Central Java, where regional disparities and limited fiscal capacity continue to hinder the effectiveness of poverty alleviation programs. Despite substantial transfers from the central government, inefficiencies in fund allocation combined with low fiscal independence at the local level have slowed progress in reducing poverty. This study examines the impact of regional fiscal instruments and macroeconomic factors on poverty levels across 34 districts and cities in Central Java from 2017 to 2020. Using panel data and the Feasible Generalized Least Squares (FGLS) method, supported by diagnostic tests to ensure the model meets the BLUE (Best Linear Unbiased Estimator) criteria. The findings reveal that Regional Original Income (PAD), Other Legitimate Income, and Gross Regional Domestic Product (GRDP) per capita play a role in reducing poverty, although the effects of PAD and Other Legitimate Income are only marginally significant. By contrast, Balancing Funds from the central government are positively and significantly associated with higher poverty rates, suggesting inefficiencies in their distribution and utilization. The Open Unemployment Rate is found to have no significant effect on poverty during the study period. Taken together, these results underscore the importance of strengthening local fiscal capacity, enhancing the efficiency of central government transfers, and promoting inclusive economic growth as integral components of long-term poverty reduction strategies in the region.
Co-Authors Fajri, Moh Najikhul Khusniati, Navi'ah Khusniati, Navi’ah Muhammad Syah Fibrika Ramadhan Pratysto, Tangguh Sanjoko, Deny Cahyadinanto Sugiyanto, Fransiscus Xaverius Wulan Oktabriyantina