STRENGTHENING YOUTH FINANCIAL CAPABILITY: A COMMUNITY APPROACH IN MOYUDAN’S DIGITAL FINANCE LANDSCAPE

Navi'ah Khusniati; Wulan Oktabriyantina; Deny Cahyadinanto Sanjoko; Maulana Ghani Yusuf Yusuf

doi:10.58526/ezrasciencebulletin.v3i1.282

Authors

Navi'ah Khusniati Universitas Diponegoro Semarang, Indonesia
Wulan Oktabriyantina Universitas Diponegoro Semarang, Indonesia
Deny Cahyadinanto Sanjoko Universitas Diponegoro Semarang, Indonesia
Maulana Ghani Yusuf Yusuf Universitas Diponegoro Semarang, Indonesia

DOI:

https://doi.org/10.58526/ezrasciencebulletin.v3i1.282

Keywords:

financial literacy, youth, women, Community Service

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.

References

Aisa, N. N., & Silalahi, F. H. (2024). Analisis Literasi Keuangan Gen-Z: Studi Kasus pada Mahasiswa Akuntansi. Journal of Business and Halal Industry, 1(4), 1–12. https://doi.org/10.47134/jbhi.v1i4.385

Amagir, A., Groot, W., Maassen van den Brink, H., & Wilschut, A. (2018). A review of financial-literacy education programs for children and adolescents. Citizenship, Social and Economics Education, 17(1), 56–80. https://doi.org/10.1177/2047173417719555

Chen, H., & Ronald P. Volpe. (1998). An Analysis of Personal Financial Literacy Among College Students. FINANCIAL SERVICES REVIEW, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001

Fitriani, D. J., & Sundari, S. (2024). Pengaruh Literasi Keuangan, Overconfidence, dan Faktor Demografi Terhadap Keputusan Investasi (Studi Kasus Pada Mahasiswa Akuntansi UPN “Veteran” Jawa Timur). Jurnal Ilmiah Universitas Batanghari Jambi, 24(1), 661. https://doi.org/10.33087/jiubj.v24i1.3945

Inaya, C., Ismiarti, R. J., & Nofirda, F. A. (2024). Analisis Dampak Penggunaan Dompet Digital pada Generasi Milenial: Studi Komparasi Gopay dan Ovo/Dana. Jurnal Pendidikan Tambusai, 7(3), 3159–3164. https://jptam.org/index.php/jptam/article/view/12861

Israel, B. A., Schulz, A. J., Parker, E. A., & Becker, A. B. (2001). Community-based participatory research: Policy recommendations for promoting a partnership approach in health research. Education for Health, 14(2), 182–197. https://doi.org/10.1080/13576280110051055

Keppel, F. P. (2019). Education for Adults. In Education for Adults and Other Essays (pp. 9–34). https://doi.org/10.7312/kepp90968-001

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Sugiyono. (2020). Metodologi Penelitian Kuantitatif, Kualitatif dan R & D.

Zulfialdi, M. F., & Sulhan, M. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Keuangan Pada Mahasiswa Ptkin Di Jawa Timur. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 7(2), 807–820. https://doi.org/10.31955/mea.v7i2.3056