Tingkat literasi keuangan pada generasi Z masih pada tingkat less literate, sementara itu tingkat konsumsi generasi Z umumnya digunakan untuk memenuhi gaya hidup. Berdasarkan hal tersebut tujuan dari pengabdian masyarakat ini adalah untuk meningkatkan literasi dan inklusi siswa/i Sekolah Menengah Atas (SMA) XI yang tergolong pada generasi Z. Pengabdian masyarakat ini menggunakan metode Community-Based Participant Research (CBPR) dengan Teknik sosialisasi dan workshop yang mencakup pengetahuan dasar keuangan, manajemen keuangan, kredit dan hutang, tabungan dan investasi, risiko, asuransi, dan pengelolaan keuangan menggunakan media expense tracker. Untuk mengetahui efektivitas dari pengabdian masyarakat ini, analisis pretest posttest (pretest posttest analysis) menggunakan uji beda dilakukan. Dengan menggunakan uji hipotesis Wilcoxon Signed Rank Test, terdapat perbedaan yang signifikan pada tingkat literasi keuangan digital pada saat sebelum dilakukannya pengabdian masyarakat dengan setelah dilakukannya pengabdian masyarakat. Tingkat literasi keuangan digital siswa/i mengalami peningkatan yang diketahui dari nilai mean rank POSTTEST > PRETEST (25,31 > 17,00). Sehingga disimpulkan bahwa peningkatan literasi dan inklusi keuangan digital pada generasi Z di SMA Muhammadiyah 2, Depok harus tetap dilakukan sejak dini agar generasi Z tidak terjebak pada permasalahan-permasalahan keuangan di masa yang akan datang. Tindak lanjut dari program ini adalah seluruh peserta dibekali dengan expense tracker sheet yang dimonitor oleh tiap wali kelas, agar siswa/i terbiasa memonitor pengeluaran mereka dan memiliki kesadaran keuangan yang baik.

A sustainable ocean economy is achieved by improving economic, environmental, and social performance. Unfortunately, Indonesia’s marine and coastal ecosystems are threatened by overfishing, mangroves and coral reefs, and marine debris degradation. Thus, this research analyses the blue ocean business model in one of the coastal areas of Java, Sidoarjo Regency, East Java. Through SWOT Analysis, this study found that the blue economy business model does not stop at the use of the sea for economic prosperity, but also includes how to manage marine products from upstream to downstream continuously, known as a circular economy.

Research on women in a coastal area tends to focus only on their roles as processors and vendors of fishery products. However, their contribution to the family economy is rarely overlooked. This descriptive study is an initial examination of the fisherwoman’s role on household income in Sawohan Village, East Java, Indonesia. The village, which is famous for the fishery products it turns out, is classified as a poor village because the local income is far below the East Java average minimum wage. The purpose of this study is twofold: first, to empower fisherwomen to improve the economy of the family; second, to analyze the factors that influence fisherwomen’s intentions to become entrepreneurs as a second income for the household. Entrepreneurship Capacity Building (ECB) methods using a participatory approach were performed to involve fisherwomen in identifying problems, the causal factors of the issues, handling strategies, and developing models for managing the village’s problems based on science and technology. A quantitative method, using an in-depth interview based on a questionnaire, was used to determine the factors that influence fisherwomen to become entrepreneurs. Multiple linear regression shows that fisherwomen are significantly affected to become entrepreneurs by self-motivation to earn profits (FP_PRFT), hobbies/pleasure (FP_HOBY), and government policy (FL_GOVT). The linear relation between those factors and entrepreneurship intention concludes that fisherwomen voluntarily wish to contribute to household income. The sustainability of this program must be done by providing entrepreneurship assistance and providing knowledge about product marketing.

The Fed Model For Vocational Higher Education: A Concept and an Urgency

The gap between financial literacy and financial inclusion has become one of the reasons why economic development is hardly developed. This study examines the effect of financial inclusion in improving financial literacy in ASEAN Countries – Indonesia, Malaysia, Singapore, Thailand, Philippines, Myanmar, and Cambodia. Bank accounts, as one of the conventional banking products, become a dependent variable (Y). In contrast, the characteristics of bank customers, such as gender, age, education, and economic condition, become independent variables (X). Through a fixed effect approach on panel regression, this study found that financial literacy significantly affects financial inclusion (sig. 0.000) across ASEAN Countries, except Thailand. Singapore became the intercept since it was the only ASEAN Country categorised as high-income based on the Global Findex Database 2021. Customer characteristics simultaneously influence the number of bank accounts in ASEAN Countries, about 95.3%, while 4.7% can be explained by other factors not included in this study. However, this study only limits conventional financial products, while there have been many digital financial products recently.