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All Journal JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) 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 Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Ezra Science Bulletin

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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.
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