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This article examines the implementation of digital literacy within the Islamic Religious Education (PAI) curriculum as a response to educational transformation in the digital era. The study aims to analyze strategies for integrating digital literacy into the PAI curriculum, identify the challenges of its implementation, and formulate a contextual model for developing PAI learning based on digital literacy. Using a qualitative research method with a literature review approach and analysis of current curriculum documents, the study found that the implementation of digital literacy in the PAI curriculum remains partial and unsystematic. The findings indicate the need to reformulate the PAI curriculum by comprehensively integrating digital literacy competencies through digital project-based learning, online collaborative learning, and the use of social media for reflective learning. The implications of these findings highlight the urgency of transforming the PAI curriculum to prepare students to become critical, creative, and ethical digital Muslims in the era of technological disruption.

Education plays a crucial role in developing quality human resources, with one of the key aspects being the enhancement of students' interest in reading and literacy skills. However, fostering a reading culture among elementary school students remains a significant challenge, particularly at SDN Cilangkara 02, and which lacks a proper library. In response, the 2025 Cilangkara Village Community Service Program (KKN) students implemented the "Literacy Corner" initiative, which aimed to provide a simple, comfortable, and accessible reading space. This program adopted a participatory and educational implementative approach, involving teachers, students, the literacy community, and university students. Activities included conducting a needs assessment, collecting book donations, constructing and decorating the literacy corner, organizing the reading space, and holding an inauguration event. The results of the program showed a notable increase in students' interest in reading, as well as the development of a habit of interacting with books. Moreover, it helped cultivate a literacy culture within the school environment. Despite facing challenges such as limited books, inadequate funding, and students' distraction by gadgets, the program succeeded in achieving a positive impact. It not only contributed to improving literacy and character building but also fostered a sustainable reading culture at SDN Cilangkara 02

MSMEs are a major component of a country's economy. The large contribution of MSMEs to economic development in Indonesia requires MSME players to keep trying and always be ready to compete with other MSMEs. This study aims to determine the effect of financial literacy, digital payments, use of e-commerce and accounting information systems on the business performance of culinary MSMEs in the city of Semarang. The population of this study amounted to 98 culinary MSMEs, sampling using purposive sampling method with the criteria of using digital payments, using e-commerce and accounting information systems. The data was analyzed using multiple linear regression analysis with JASP software. The results of this study indicate that the variables of e-commerce usage and accounting information systems have a positive and significant impact on business performance, so that any increase in these variables will improve MSME business performance. The financial literacy variable has a positive and insignificant effect on business performance, so it is necessary to increase the financial literacy of business actors. Meanwhile, the digital payment variable has a negative and insignificant impact on business performance, indicating a lack of understanding of MSME actors and consumers of the use of digital payments.  

The rapid development of digital technology and the increasing complexity of financial products, from digital wallets and bank loans to cryptocurrency and investment platforms, highlight the urgent need for financial literacy education, particularly for vocational high school (SMK) students in Indonesia. Many SMK graduates directly enter the workforce or pursue entrepreneurship without attending university, making financial decision-making skills crucial. This article explores the potential of Android-based e-books as an innovative and accessible learning medium to enhance students’ financial literacy. Designed to be interactive, contextual, and engaging for Gen Z learners, the proposed e-book serves as a pedagogical supplement, not a replacement, to classroom teaching. Drawing from literature reviews, examples of existing apps, and relevant educational frameworks, the article emphasizes the importance of developing localized, curriculum-aligned digital resources. The paper concludes with suggestions for evaluating financial learning apps and recommends steps for integrating them effectively into SMK education.

The transformation of the Islamic education curriculum based on digital literacy is an essential step to enhance student engagement in higher education learning. This study aims to examine the implementation of digital literacy in the Islamic education curriculum and its impact on the quality of learning. A qualitative approach was used, involving observation, interviews, and documentation. The findings show that although some Islamic higher education institutions have integrated technology into learning, challenges related to lecturer readiness, digital access inequality, and limited resources remain major obstacles. Students responded positively to digital-based learning, which provided easier access to study materials and facilitated online interaction. However, the digital access gap needs to be addressed promptly to create a more equitable learning experience. The implications of this study suggest the need for ongoing lecturer training, improved technological infrastructure, and curriculum policies that support more effective integration of digital literacy in Islamic higher education.

This study aims to determine the role of technology-based learning media 5.0 in improving digital literacy in social studies learning in elementary schools. The presence of the use of learning media in the digital era 5.0 is a place for skills in the use of technology and information with digital-based media in various areas of life, including in the process of learning activities in schools. The development of digital literacy mastery in learning is expected to be a supporter in developing students' abilities and preparing students who are able to face the demands of the times. The research method used is a qualitative research and development method. This research method was chosen to produce certain products and test the effectiveness of these products. Based on the results of the research and discussion, it can be concluded that in the Era Society 5.0 the role of teachers has shifted with the presence of technology. An interesting learning strategy is needed so that teachers have the role they should. There are five learning strategies that can be applied in Era 5.0, namely helping students learn, providing opportunities for students to develop and excel, strengthening character education, being technologically literate, and becoming effective teachers.

Service users e-wallet face a number of issues, including a lack of knowledge about digital finance as well as concerns about security and trust in services e-wallet. This problem is supported by the phenomenon of many educators being trapped in loans online. The focus of this research is on the influence of digital financial literacy and security perceptions on service adoption e-wallet among students with the UTAUT approach. Quantitative research method with survey data collection using a questionnaire totaling 35 statements, consisting of 12 statements on the digital financial literacy variable, 13 statements on the security perception variable and the service adoption variable. e-wallet as many as 10 statements. The respondents for this research involved 224 students (25% men, 75% women) majoring in Economic Education, class of 2021-2024. The data analysis technique uses multiple linear regression analysis using the SPSS version 25 application. The research results show that the variables of digital financial literacy and security perceptions have a positive and significant effect on service adoption e-wallet simultaneously and partially. It is hoped that this research can contribute useful thoughts and information and can enrich knowledge and economic development as well as become reference material for further research.

This community service activity aims to enhance the understanding of residents in the Jagakarsa,  South Jakarta, regarding the meaning and importance of literacy, particularly in facing the challenges of the digital information era. The underlying problem addressed in this activity is the low level of literacy awareness among the community, as indicated by the tendency to accept and spread information without verification, the lack of a reading culture, and limited understanding of various types of literacy, such as media, digital, and financial literacy. To overcome these issues, the team of lecturers conducted a literacy outreach activity using a casual discussion method, which was chosen for its effectiveness in reaching the community in an informal and communicative setting. The materials presented included the definition of literacy, the importance of filtering information, how to verify the accuracy of news, and the role of families in fostering a culture of literacy. The activity involved residents from diverse backgrounds and was conducted interactively, where participants were not only passive listeners but also engaged in active discussions and shared personal experiences related to literacy challenges. The results showed that the residents responded positively to the outreach, gained new insights, and expressed a commitment to start applying a culture of literacy within their families and communities. This activity demonstrates that a simple yet well-targeted approach can have a tangible impact in raising literacy awareness at the grassroots level.

This study aims to explore the strategy of literacy-based learning in Islamic Religious Education (IRE) to enhance students' understanding of Islam. Through a literature review approach, this research analyzes various sources related to the implementation of literacy in IRE teaching and its impact on students' comprehension of Islamic teachings. The findings indicate that literacy-based learning enhances students' critical skills in understanding religious texts and enriches their understanding of Islam in a practical context. Moreover, this strategy plays a key role in character building, fostering moral values, raising social awareness, and improving communication skills. The teacher's role as a facilitator guiding students in developing religious literacy skills is also crucial for the success of this approach. This study aims to contribute to the development of a more relevant and effective IRE teaching model in the digital era.

In the digital era, the ability to utilize social networks and digital platforms to gain financial education and make financial decisions in accordance with sharia principles is increasingly essential. This study aims to analyze the influence of social capital and digital literacy on Islamic financial literacy among Generation Z. A quantitative approach was employed, with primary data collected from 209 respondents through purposive sampling, consisting of Generation Z individuals residing in Yogyakarta. Data analysis was conducted using path analysis with the Structural Equation Modeling approach based on Partial Least Squares (SEM-PLS), utilizing the SmartPLS 3.0 software. Construct reliability testing, discriminant validity, and hypothesis testing were carried out to evaluate the relationships between variables. The results indicate that social capital and digital literacy have a positive and significant effect on Islamic financial literacy. Digital literacy enhances individuals’ access to Islamic financial information through digital media, while social capital strengthens knowledge sharing and trust within communities. These findings highlight the importance of leveraging digital technology and reinforcing community-based approaches to improve Islamic financial literacy. This study contributes to the growing body of literature on the interaction between social capital, digital literacy, and Islamic financial literacy in the digital age and offers strategic insights for educational institutions and financial service providers to promote sharia-based financial literacy.

This study aims to analyze digital technology-based Islamic Religious Education (PAI) learning strategies in an effort to enhance religious literacy and strengthen Islamic values in the lives of modern students. Using a literature research method, this study collects and analyzes various literature sources, such as books, scientific journals, articles, and related documents, that discuss the integration of digital technology in PAI learning. The results indicate that digital technologies, such as e-learning, social media, mobile applications, gamification, and virtual reality, play a significant role in creating more interactive, engaging, and effective learning processes. This strategy not only improves students' understanding of religious materials but also helps them internalize Islamic values in their daily lives. Additionally, digital technology enables access to a wider range of learning resources, encourages personalized and adaptive learning, and opens opportunities for more participatory collaboration and discussion. However, the implementation of this strategy also faces challenges, such as the digital divide, infrastructure limitations, and a lack of digital competence among educators. Therefore, collaborative efforts are needed to address these challenges, including training for educators, improving access to technology, and curriculum adjustments. Overall, this study concludes that digital technology-based PAI learning strategies are an effective approach to enhancing religious literacy and strengthening Islamic values in the lives of modern students, while also preparing the younger generation to face global challenges while adhering to Islamic principles.

Recently, the public has been shocked by the high number of bad debts among Millennials. The development of digital technology brings various conveniences, but also presents new threats to children and teenagers. The high percentage of online loan borrowers aged 19-34 years, as well as children who are caught in online gambling, is a major concern. Around 60 percent of online loan users (pinjol) have an easy target of young people aged 19-34 years, and even 80 thousand children under the age of 10 are caught in online gambling (judol). The problem is, the Millennial generation or those aged 19-34 years are the largest "contributors" to these bad debts. Various experts say that the Millennial generation is in debt because of the Fear of Missing Out (FOMO) phenomenon, aka following trends so as not to feel "left behind". Some other experts think that their financial literacy is low.

This article discusses policies to improve AI literacy among college students. The development of technology in the digital era is increasingly rapid, and artificial intelligence (AI) has become an important part of various aspects of life, including education. College students as the next generation need to have good AI literacy in order to adapt to the changing times and face the challenges of the increasingly technology-based world of work. AI literacy is not only about understanding how this technology works, but also how to use it effectively and ethically in academic and professional life. The research method used in this study is a descriptive qualitative method, with data collection techniques, namely interviews and documentation studies that aim to examine the development of technology in the increasingly rapid digital era, and artificial intelligence (AI) has become an important part of various aspects of life, including education. The results of the study are then narrated in descriptive form. It can be concluded that AI literacy has an important role in improving the effectiveness of student learning and preparing them for competition in an increasingly technology-based world of work.

Digital literacy plays an important role in the psychological development of elementary school children, both from cognitive, social, and emotional aspects. This study aims to analyze the influence of digital literacy on child psychology by highlighting the positive and negative impacts it causes. The research method used is a literature review with reference to various previous studies on digital literacy and its development in children. The results of the study show that digital literacy can improve critical thinking skills, creativity, and expand children's social interactions. In addition, access to technology can also help children understand the world more broadly and increase empathy for social issues. However, excessive use of digital technology without adequate supervision can have negative impacts, such as addiction to gadgets, decreased social interaction, and impaired concentration in learning. Exposure to age-inappropriate content and the risk of cyberbullying are also threats to children's mental health. Therefore, an active role of parents, educators, and policymakers is needed in supervising and guiding children in using digital technology wisely. This study confirms that digital literacy has a complex impact on child psychology. With proper guidance and supervision, the benefits of digital literacy can be optimized, while the negative impact can be minimized. Therefore, a balanced approach in the application of digital literacy is needed to support the optimal development of children's psychology.

The study focuses on the significance of Indonesian language literacy in the context of the digital era, highlighting the complexities and challenges in learning and practicing literacy due to technological advancements. The primary objective is to identify effective methods for enhancing literacy skills amidst the proliferation of misinformation and hoaxes, emphasizing that literacy extends beyond reading and writing to include critical thinking skills necessary for evaluating valid information. This article employs a qualitative approach through literature review, presenting various strategies such as integrating technology into learning, promoting a reading culture, developing digital content in Indonesian, and systematically instilling digital literacy. The key findings underscore the essential role of multiple stakeholders in fostering a literacy culture that adapts to contemporary challenges. Ultimately, this research aims to serve as a reference for developing more effective literacy policies and programs that enhance Indonesian language literacy skills in the face of rapid technological advancements.

Penelitian ini bertujuan untuk memahami faktor-faktor yang mempengaruhi perilaku konsumtif di kalangan mahasiswa Universitas Muhammadiyah Maumere. Melalui pendekatan kualitatif, penelitian ini menemukan bahwa pengaruh media sosial, FOMO, dan impulsivitas merupakan faktor utama yang mendorong perilaku konsumtif. Selain itu, penelitian ini juga mengidentifikasi bahwa kurangnya pendidikan keuangan dan literasi digital memperparah masalah ini. Hasil penelitian ini menyarankan perlunya intervensi yang komprehensif, termasuk pendidikan keuangan yang lebih baik, kampanye kesadaran, serta regulasi yang lebih ketat terhadap iklan yang menargetkan anak muda.

The limited knowledge of MSME entrepreneurs in Binjai Estate in managing their business finances affects the business continuity of MSMEs, causes errors in determining the amount of the cost of goods sold resulting in errors in determining the amount of the selling price, resulting in difficulty of increasing competitiveness which will affect the level of sales and profits of MSMEs. The purpose of these activities is to help MSME players increase their sales by providing simple financial management training and promoting their merchandise through social media and online shops so that later they can increase MSME sales. The methods used are observation, interview, and documentation methods. The results of this service activity are that Bandrek Jahe Merah and Gedebog Pisang MSMEs can already recognize the importance of business financial management and identify company assets to be separated from personal assets. However, further training is needed to assist businesses in making budgets and determining the cost of production and the cost of goods sold to determine the selling price of their products.

The development of information and communication technology in Indonesia continues to grow rapidly, as evidenced by the internet penetration rate reaching 73.3% in 2019 (APJII). With 144.19 million out of 196.71 million Indonesians having internet access, the country has become the largest digital economy market in Southeast Asia (Google e-Conomy SEA, 2020). West Java Province recorded the highest number of internet users, followed by Central Java, DKI Jakarta, and Jambi. In response to this development, President Joko Widodo has designated accelerating digital transformation towards becoming a "digital nation" as one of the main visions of his administration, focusing on the development of digital talent human resources. This program emphasizes the importance of digital literacy, which includes individuals' ability to access, understand, create, communicate, and evaluate digital technology (UNESCO, 2018). The Minister of Communication and Information Technology targets digital literacy for 12.5 million Indonesians by 2020–2024 to enhance cognitive abilities beyond merely operating devices. In this context, lecturers from the Institute of Technology and Business Pelita Raya launched a community service activity on digital literacy themed "Embracing Technology: Equipping Students in the Digital Era at SMA N 12 Tanjung Jabung Barat." This activity aims to equip students with relevant digital skills to face the challenges of the digital era and contribute to Indonesia's digital transformation.

This research aims to explore the use of information technology-based digital literacy in increasing awareness of data security and preventing cyber crime. The approach used is qualitative with descriptive analysis methods, which combine primary and secondary data. Primary data was obtained through in-depth interviews with information technology experts, digital literacy activists, the government, and the general public, coupled with observations of the implementation of digital literacy programs in several regions. Secondary data was obtained from official documents and reports related to digital literacy and cyber threats. The research results show that although understanding about the use of digital devices is quite widespread, awareness of the importance of protecting personal data is still low. Existing digital literacy programs tend to focus on basic skills in using technology, but do not include material on data security and cyber threats. The main obstacle in implementing digital literacy programs is limited resources and facilities in certain areas. In addition, even though educational efforts regarding cyber threats have been carried out, people still have difficulty understanding the right way to protect their data from cyber attacks. This research concludes that it is necessary to strengthen digital literacy programs that are more inclusive and in-depth, as well as increasing collaboration between the government, the private sector and educational institutions to increase public understanding regarding data security and preventing cyber crime.

This study aims to analyze the impact of literacy movements on language comprehension among students of the Islamic Communication and Broadcasting Program (KPI) at Universitas Islam Bandung. Using a qualitative approach with a descriptive design, the research explores the implementation of literacy movements, their influence on reading, writing, and speaking skills, as well as challenges faced by students. The findings show that literacy movements significantly enhance students’ language comprehension, both in academic and da’wah contexts. Identified challenges include low motivation, limited time, and inadequate supporting facilities. Proposed solutions include integrating literacy into courses, developing facilities, and implementing digital literacy programs. These findings are expected to serve as a reference for strengthening literacy movements in higher education.