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This study aims to determine the effect of financial literacy and lifestyle on digital payments with the use of financial technology as an intervening variable for Jambi University digital business students Class of 2021 - 2024. This study uses a quantitative approach with a random sampling method. The population in this study, namely Jambi University digital business students in the 2021-2024 batch of 174 students and the sample of this study amounted to 64 students. The data collection technique used a questionnaire. The data analysis method in this study used Patrial Least Square and was processed using smartPLS 4.0 software. The results of this study found that: 1) Financial literacy has a positive and significant effect on digital payments. 2) Lifestyle has a positive and insignificant effect on digital payments. 3) Financial Literacy has a positive and significant effect on the use of financial technology. 4) Lifestyle has a positive and significant effect on the use of financial technology. 5) the use of financial technology has a positive effect on digital payments. 6) Financial Literacy has a positive and significant effect on digital payments with the use of financial technology as an intervening variable. 7) Lifestyle has a positive and insignificant effect on digital payments with the use of financial technology as an intervening variable.

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.

This article contains an analysis of emotional intelligence in children aged 5 to 10 years, this study aims to find out more about the development of children in their emotional intelligence, which is also related to literacy. Because literacy is an influence on hearing, understanding children's thoughts, and it will affect their emotional intelligence. And the problems in the influence of literacy on children's emotional intelligence include difficulties in controlling emotions, the impact of the social and cultural environment, and limitations in understanding literacy that can hinder emotional development. In addition, the lack of support from parents is also a significant factor. This study uses qualitative methods that can allow researchers to explore children's experiences, views, and feelings in depth. In the context of literacy and emotional intelligence, researchers can find out how children feel and interpret their emotions and how literacy plays a role in the process. Through reading and discussing emotions, children can improve their understanding of themselves and others, develop empathy, and improve communication skills and emotional management. By integrating literacy and emotional intelligence into education and everyday life, we can help children develop the skills needed to interact positively and manage their emotions effectively.

This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students. 

This study aims to explore the impact of the Covid-19 pandemic on the literacy levels of Indonesian students, with a focus on changes in reading habits and the application of literacy in daily life. The methodology used in this research is a descriptive approach combining both quantitative and qualitative methods. Data were collected through questionnaires and interviews, which were analyzed to measure students' literacy interest levels and to understand their views on literacy. The results show that the pandemic has led to a significant decline in students' reading habits, caused by factors such as online learning, digital fatigue, limited access to reading materials, and increased use of social media. To address this, it is recommended to provide broader access to reading materials and create an environment that supports literacy, both at school and at home.

The literacy movement plays a crucial role in enhancing language comprehension and linguistic competence, especially in today’s digital era. This study aims to explore the influence and benefits of literacy movements on language comprehension across various segments of society. Through qualitative and quantitative approaches, this research examines how participation in literacy activities such as reading, writing, and group discussions can improve language skills, enrich vocabulary, and enhance communication abilities. The findings indicate that literacy movements not only help individuals understand and use language more effectively but also foster critical thinking and creativity. Furthermore, the growing digital literacy provides broader access to educational resources and information, thus strengthening language comprehension in a wider context. Therefore, literacy movements contribute significantly to building a more knowledgeable and insightful society.

The rapid development of information and communication technology has changed the way students access information and learn, making digital libraries an important resource for digital literacy learning in primary schools. This research aims to explore the role of digital libraries in enhancing digital literacy learning of primary school students. The methods used included a literature study and a survey of students and teachers in several primary schools. The results showed that digital libraries not only provide easy access to various information sources, but also provide tools and platforms that support the development of students' critical, analytical and creative skills. In addition, the digital library serves as a collaborative space that encourages interaction between students and teachers and between students and other learning resources. The implications of this study highlight the importance of integrating digital libraries into the school curriculum to maximise the learning potential of digital literacy among primary school students. Thus, the utilisation of digital libraries is expected to improve the quality of education and digital literacy skills of students in today's information age.

The implementation of digital payments in micro, small, and medium enterprises (MSMEs) in Indonesia is one of the important steps to increase business competitiveness in the digital era. The Community Service Program (PKM) aims to provide digital literacy assistance to MSME actors by focusing on the implementation of digital payment systems, such as e-wallets and QRIS. This activity was carried out by a team of lecturers from Prasetiya Mandiri Polytechnic and PGRI Palembang University, which involved practical training and direct assistance to MSMEs. Through this training, it is hoped that MSME actors can optimize the use of digital payment technology to improve transaction efficiency and expand their market reach. In addition, intensive assistance is also provided to overcome technical obstacles in the implementation of the digital payment system. The results of this program show that MSME actors who participate in this mentoring experience increased understanding and skills in using digital payment technology, which has an impact on increasing the competitiveness and operational efficiency of their businesses. This program also makes a positive contribution to the development of MSMEs that can adapt to technological developments and an increasingly digital market.

This study is titled "Analysis of the Level of Digital Marketing Literacy Using the Experiential Learning Method Among Hospitality Students at Politeknik Harapan Bersama." The objective of this research is to evaluate and understand the level of digital marketing literacy possessed by hospitality students at Politeknik Harapan Bersama across various aspects, including the use of information technology, digital communication, online collaboration, and data security. This study employs a quantitative approach using a survey method, with questionnaires distributed to 26 students. The findings indicate that most students have an excellent level of digital marketing literacy, with an average percentage of 84.78%. However, there are still areas that need improvement, such as understanding digital ethics and selecting valid information. These findings provide valuable insights for developing more effective training programs to enhance digital skills in Hospitality Study Program.