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All Journal Journal of Scientific Research, Education, and Technology Ezra Science Bulletin
Sanjoko, Deny Cahyadinanto
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Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering 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.
STRENGTHENING YOUTH FINANCIAL CAPABILITY: A COMMUNITY APPROACH IN MOYUDAN’S DIGITAL FINANCE LANDSCAPE Khusniati, Navi'ah; Oktabriyantina , Wulan; Sanjoko, Deny Cahyadinanto; Yusuf, Maulana Ghani Yusuf
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.v3i1.282

Abstract

On the technological advances and shifting global economic trends oblige today’s youth, particularly young women, to master sound financial principles that discourage excessive spending and safeguard them from hazards in the digital finance realm. A community-based training program was carried out for Nasyiatul ʿAisyiyah (NA) Moyudan members to address this need. Designed collaboratively and delivered in an interactive format, the workshops explored budgeting, saving, investing, financial protection, and online security. Program impact was measured with a paired-samples t-test comparing the pre- and post-training scores of 24 participants. Results revealed an average gain of 23.75 points (p < 0.001), demonstrating a marked increase in financial understanding following the sessions. The evidence indicates that context-specific, participatory financial-literacy instruction can meaningfully strengthen young women’s financial competence and is a preventive step toward bolstering the economic resilience of the upcoming generation.
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.
Co-Authors Fajri, Moh Najikhul Khusniati, Navi'ah Khusniati, Navi’ah Oktabriyantina , Wulan Pratysto, Tangguh Sugiyanto, Fransiscus Xaverius Wulan Oktabriyantina Yusuf, Maulana Ghani Yusuf, Maulana Ghani Yusuf