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Transformasi digital dalam sistem pembayaran telah mengubah lanskap pengelolaan keuangan Usaha Mikro, Kecil, dan Menengah (UMKM). Penelitian ini bertujuan mengeksplorasi pengaruh penggunaan pembayaran digital terhadap praktik pengelolaan arus kas dan transparansi keuangan UMKM. Pendekatan kualitatif dengan desain studi kasus multipel diterapkan, melibatkan 14 pemilik/manajer UMKM di Kota Semarang yang dipilih melalui purposive sampling. Data dikumpulkan melalui wawancara semi-terstruktur, observasi non-partisipan, dan analisis dokumen, kemudian dianalisis menggunakan kerangka Miles, Huberman, dan Saldaña. Hasil penelitian mengungkapkan bahwa pembayaran digital mentransformasi pengelolaan arus kas melalui percepatan settlement (85,7%), otomatisasi pencatatan (92,8%), dan peningkatan efisiensi biaya (78,6%). Transparansi keuangan meningkat melalui ketersediaan audit trail digital (100%), pemisahan keuangan pribadi-usaha (71,4%), dan akurasi pencatatan (85,7%). Permintaan pelanggan dan kemudahan penggunaan menjadi pendorong utama, sementara gangguan konektivitas dan keterbatasan literasi digital menjadi penghambat. Penelitian ini memperkaya literatur adopsi fintech dengan perspektif kualitatif mengenai dampak pasca-adopsi pembayaran digital terhadap pengelolaan keuangan UMKM.

Transformasi digital menuntut pelaku usaha mikro, kecil, dan menengah (UMKM) untuk memiliki kesiapan pemasaran digital agar mampu bersaing di pasar yang semakin kompetitif. Namun, kesiapan tersebut pada UMKM binaan Kelurahan Bangetayu Wetan masih bervariasi terutama pada aspek literasi digital, pemanfaatan infrastruktur, strategi pemasaran, sikap dan motivasi digital, serta dukungan kelembagaan. Penelitian ini bertujuan menganalisis hubungan kesiapan pemasaran digital dengan daya saing usaha lokal UMKM binaan Kelurahan Bangetayu Wetan. Penelitian menggunakan pendekatan kuantitatif dengan desain cross sectional. Data primer dikumpulkan melalui kuesioner kepada seluruh anggota UMKM binaan kelurahan sebanyak 34 responden menggunakan teknik total sampling. Analisis data dilakukan secara deskriptif dan inferensial menggunakan uji korelasi Spearman untuk menguji hubungan antarvariabel. Hasil penelitian menunjukkan bahwa infrastruktur digital, strategi pemasaran digital, sikap dan motivasi digital, serta dukungan kelembagaan memiliki hubungan positif dengan daya saing usaha lokal UMKM, sedangkan literasi digital pemasaran tidak menunjukkan hubungan yang signifikan. Dukungan kelembagaan melalui pelatihan, pendampingan, dan fasilitasi pemasaran digital terbukti memperkuat kapasitas pelaku usaha dalam memanfaatkan teknologi untuk promosi dan perluasan pasar. Kesiapan pemasaran digital yang lebih baik berkontribusi terhadap peningkatan visibilitas produk, akses pasar, dan keberlanjutan usaha lokal. Disimpulkan bahwa kesiapan pemasaran digital merupakan faktor penting dalam meningkatkan daya saing usaha lokal UMKM binaan Kelurahan Bangetayu Wetan. Oleh karena itu, diperlukan penguatan program pemberdayaan UMKM berbasis digital melalui pelatihan berkelanjutan, peningkatan infrastruktur digital, serta pendampingan kelembagaan yang terintegrasi di tingkat kelurahan

Digital literacy is an individual's ability to access, understand, evaluate, and use digital information and technology wisely, critically, and responsibly. This skill is crucial for students to use technology safely and avoid various risks in the digital space. The development of digital technology and the increasingly widespread use of social media have provided various conveniences in people's lives, particularly in communication and information access. However, on the other hand, these developments also pose various risks for children and adolescents, one of which is the crime of child grooming in the digital space. Child grooming is a manipulative act perpetrated by adults by building emotional closeness and trust with children for the purpose of sexual exploitation. This study aims to examine the role of digital literacy in raising students' awareness of the dangers of child grooming in the digital era. The method used in this study was a Systematic Literature Review (SLR. The results indicate that low digital literacy among students makes them more vulnerable to various forms of digital crime, including child grooming that occurs through social media and online games. Conversely, strengthening digital literacy through education in schools, the role of guidance and counseling teachers, and parental supervision can increase students' awareness of the risks of digital interactions and protect themselves from potential cybercrimes. Therefore, digital literacy is a crucial effort in preventing child grooming and protecting children in the era of information technology development.

This research examines the range of phrase types appearing in Kompas.com news articles published in the “Jagat Literasi” section during the August–September 2025 period. It seeks to identify and categorize various phrase structures, such as nominal, verbal, adjectival, prepositional, pronominal, numeral, and adverbial phrases, found within the selected articles. In addition to classification, the study provides a qualitative explanation of the structural characteristics, functions, and usage tendencies of the most frequently occurring phrase types in the corpus. Employing a qualitative research design, this study relies on textual data as its primary source, generating descriptive findings derived from careful observation and analysis of written materials. All identified phrases are interpreted and systematically described to offer a comprehensive understanding of how they function in digital news discourse. The findings highlight the dominance and distribution of several phrase categories and reveal patterns that characterize language use in literacy-themed journalism. Academically, this study contributes to syntactic research by offering a reference for further investigations on phrase usage in online media and by enabling comparative analysis across different platforms or sections. Practically, it enhances readers’ and students’ awareness of effective, precise, and stylistically appropriate language use, supporting improved writing practices aligned with established linguistic conventions.

This article discusses innovation in the learning process as an important strategic step to improve the quality of education, especially in developing students' critical literacy skills. Critical literacy is an essential skill for students to face the complexity of information and technology in the 21st century. This paper aims to explore the role of learning innovation as a strategy to strengthen critical literacy. This research uses a qualitative approach through literature study, by reviewing various scientific references related to learning innovation, critical literacy, 21st-century learning principles, and the role of teachers in the learning process. The results of the study indicate that learning innovation designed in a contextual, collaborative, and student-focused manner can improve their ability to understand, analyze, evaluate, and reflect on information critically. In addition, the role of teachers as facilitators, motivators, and agents of innovation has proven crucial in creating effective and meaningful learning experiences. Learning innovation can be an effective strategy to strengthen students' critical literacy while preparing them to face the challenges of the digital era and modern society.

The rapid development of digital technology in the 21st century has brought significant changes to various aspects of life, including education. One of the emerging innovations in the educational field is the use of Artificial Intelligence (AI) as a tool to support the learning process. The integration of AI in history education offers new opportunities to create more interactive, adaptive, and contextual learning experiences through access to various digital historical sources. This study aims to analyze the integration of Artificial Intelligence in history learning and its implications for improving students’ digital historical literacy. This research uses a qualitative approach with a descriptive method through a literature study by reviewing various scientific articles related to the use of AI in education and digital literacy in history learning. The findings indicate that the use of Artificial Intelligence can assist students in accessing, analyzing, and understanding various digital historical sources more broadly through interactive media such as online archives, historical simulations, and technology-based learning platforms. In addition, the integration of AI can increase student engagement in the learning process, encourage critical thinking skills, and support more personalized learning based on students’ needs and abilities. However, the implementation of this technology must be accompanied by the strengthening of digital historical literacy as well as the application of academic integrity, ethical principles, and responsible use of technology. Therefore, the proper integration of Artificial Intelligence can serve as an innovative strategy to enhance the quality of history education in the digital era.

This study aims to analyze strategies for optimizing the management of the library of the Majelis Ulama Indonesia (MUI) of Sumatera Utara Province in carrying out its role as an authoritative center for Islamic literacy and information. As an institution overseeing the Pendidikan Tinggi Kader Ulama (PTKU), the library holds a strategic position but faces challenges in terms of standardization and digital adaptation. The method employed is a descriptive qualitative study examining aspects of collection management, compliance with the National Library Standards (SNP), and the implementation of information technology. The findings indicate that the MUI North Sumatra Library possesses notable strengths in its collection of centuries-old classical kitab kuning manuscripts and unique documents from scholars’ deliberative forums (muzakarah). Optimization efforts include manuscript digitization using the Senayan Library Management System (SLiMS), management training for PTKU students, and the integration of information services through the organization’s official portal. The study concludes that strengthening human resource capacity, ensuring sustainable budget support, and meeting physical facility standards are key factors in transforming the library into an intellectual beacon of Islam in the Media 4.0 era.

This research is motivated by the importance of guiding students in using digital technology in a positive way. The implementation of digital literacy enables students to use digital technology wisely and responsibly. This study aims to explore the importance of digital literacy, the impact of digital technology development on student’s character, the implementation of digital literacy for improving 21st-century skills, and the role of digital literacy for personalizing a generation with strong character, specifically at SMK Budi Mulia Pakisaji. This research is using a qualitative descriptive method, using purposive technique sampling and data triangulation techniques. This study uses an interactive model of data analysis. Data were collected through in-depth interviews, observation, documentation, and open-ended questionnaires. The results show that digital literacy supports the improvement of students’s 21st-century skills, known as the 6Cs: critical thinking, creativity, collaboration, communication, character, and citizenship. Digital literacy is integrated into IPAS (Science, Social, and Environmental Education) learning and implemented through the SMART (Spesific-Measurable-Achievable-Relevant-Time bound) digital concept. The implementation of digital literacy supports the achievement of IPAS learning goals, to make meaningfull learning experience, and students are able to produce a creation in IPAS projects. Students are able to solve problems using digital technology, select useful content, manage their time effectively, and become a lifelong learner. Furthermore, digital literacy supports the students to increase their knowledge, skills, and attitudes aligned with the values of Pancasila.

This study aims to analyze the implementation of programs strengthening financial literacy, economic digitalization, and the creative economy carried out by students participating in the Community Service Program (Kuliah Kerja Nyata/KKN) in Nagori Marihat Bukit. The programs included education on the Indonesian rupiah and the importance of saving habits, socialization of the QRIS digital payment system, a workshop on striphone production to support MSME development, and an ecoprint workshop for elementary school students. The study employed a qualitative descriptive method, with data collected through participatory observation and documentation. The results indicate that the programs successfully enhanced community understanding of financial literacy from an early age, increased the adoption of digital payment technology with 68% of participants successfully implementing QRIS, and improved creative economy skills that support the development of local MSMEs. These activities demonstrate that community-based economic education can effectively strengthen financial awareness, promote digital financial inclusion, and sustainably develop the creative economic potential of the community. Therefore, this KKN program can serve as a practical model of community-based economic empowerment in fostering economically independent communities.

This study aims to improve digital money literacy among the community of Kineppen Village, Munte District, Karo Regency, through education and the implementation of the QRIS (Quick Response Code Indonesian Standard) payment system. The research utilized a descriptive qualitative approach, incorporating field observations, interviews, and direct mentoring with four local businesses: Ayam Penyet Pak Lek, Warkop Aim Tigander, Oke Laundry Kineppen, and Pangkas Singarimbun. The findings show that two businesses, Ayam Penyet Pak Lek and Pangkas Singarimbun, successfully adopted QRIS, leading to smoother transactions and increased customer trust. However, the other two businesses, Warkop Aim Tigander and Oke Laundry Kineppen, still face challenges in adopting the system due to limited internet access and deep-rooted traditional cash payment habits. Despite these barriers, the program significantly enhanced the digital literacy of local entrepreneurs, raising their awareness and readiness to participate in the village’s digital economy. This study emphasizes the importance of continuous support and access to technology in fostering the broader adoption of digital payment systems, particularly in rural areas where technological access may still be limited

This study aims to analyze the influence of Financial Literacy, the use of Digital Payments, Lifestyle, and Pocket Money on the Consumptive Behavior of Generation Z. The research subjects were students of the Faculty of Economics and Business, Budi Luhur University. This study uses a quantitative approach with a survey method through the distribution of online questionnaires. The population in this study consisted of 1,017 active students of the Faculty of Economics and Business, Budi Luhur University, from the 2022-2025 batch, with a sample size of 100 respondents determined using the Slovin formula and non-probability sampling technique with purposive sampling method. The data obtained were analyzed using SPSS version 25 with multiple linear regression analysis, classical assumption testing, model feasibility testing (F test), t test, and coefficient of determination (R²). The results showed that financial literacy, lifestyle, and pocket money significantly influenced students' consumptive behavior. Meanwhile, the use of Digital Payment does not significantly affect students' Consumptive Behavior. In addition, the results of the model feasibility test (F test) show that Financial Literacy, the use of Digital Payment, Lifestyle, and Pocket Money together significantly affect Consumptive Behavior, so that the regression model is declared feasible for use.

This study analyzes the influence of Social Media, Impulsive Buying Behavior, Financial Technology Trust, and Financial Literacy on the Interest in Using Shopee PayLater among Generation Z youth in Jombang Village, South Tangerang. Out of a population of 6,618 teenagers, a sample of 150 respondents was selected using Purposive Sampling, exceeding the initial Slovin formula requirement of 99 participants to ensure higher data reliability. The research adopts a quantitative approach with multiple linear regression analysis processed via SPSS version 25. Data collection integrated primary sources from structured questionnaires with secondary data from comprehensive literature reviews. The results demonstrate that Impulsive Buying Behavior and Financial Technology Trust significantly and positively affect Shopee PayLater usage interest. Conversely, Social Media and Financial Literacy do not show a significant positive impact to Shopee PayLater usage interest. These findings provide critical insights into the digital consumption patterns and financial decision-making behaviors of the modern Indonesian youth demographic.

The rapid spread of hoaxes and disinformation in the digital era poses serious challenges to social cohesion, societal stability, and the internalization of moral values, particularly within Muslim communities. The circulation of unverified information has the potential to trigger conflict, polarization, and a decline in public trust. This study aims to explore digital literacy as an ethical and religious instrument in actualizing the Islamic principle of amar ma’ruf nahi munkar in the contemporary digital sphere. Employing a qualitative library research approach, the study examines classical Islamic sources, including the Qur’an and Hadith, alongside contemporary literature on digital communication ethics and digital citizenship. The findings indicate that digital literacy from an Islamic perspective extends beyond technical competence in accessing and disseminating information; it represents a form of moral responsibility (amanah) grounded in honesty (ash-shidq), prudence, and accountability. Practices such as information verification (tabayyun), clarification, and corrective engagement in online spaces are concrete expressions of amar ma’ruf nahi munkar. Strengthening ethically grounded digital literacy is therefore essential for fostering a healthy, just, and civilized digital public sphere.  

The rapid spread of hoaxes and disinformation in the digital era poses serious challenges to social cohesion, societal stability, and the internalization of moral values, particularly within Muslim communities. The circulation of unverified information has the potential to trigger conflict, polarization, and a decline in public trust. This study aims to explore digital literacy as an ethical and religious instrument in actualizing the Islamic principle of amar ma’ruf nahi munkar in the contemporary digital sphere. Employing a qualitative library research approach, the study examines classical Islamic sources, including the Qur’an and Hadith, alongside contemporary literature on digital communication ethics and digital citizenship. The findings indicate that digital literacy from an Islamic perspective extends beyond technical competence in accessing and disseminating information; it represents a form of moral responsibility (amanah) grounded in honesty (ash-shidq), prudence, and accountability. Practices such as information verification (tabayyun), clarification, and corrective engagement in online spaces are concrete expressions of amar ma’ruf nahi munkar. Strengthening ethically grounded digital literacy is therefore essential for fostering a healthy, just, and civilized digital public sphere.  

This research is motivated by changes in students' academic communication patterns due to the rapid development of digital technology, which has the potential to affect the consistency of formal language use. In academic literacy, formal language plays a crucial role as a marker of professionalism and the accuracy of scientific communication. This study aims to analyze the shift in formal language use in students' academic communication and identify the factors influencing it in the digital era. The research method used a qualitative approach with a descriptive design. Data were collected through an online questionnaire in the form of open-ended questions to students at the University of Muhammadiyah Maumere who actively use digital media in academic communication. Data were analyzed by grouping respondents' answers and identifying language usage patterns. The results show that students understand the differences between formal and informal language, but their application in digital academic communication is not yet consistent. The shift is characterized by the use of abbreviations, slang, and inconsistencies in linguistic rules influenced by instant communication habits, social environments, and the nature of digital media. These findings emphasize the importance of continuously strengthening formal language literacy and academic communication ethics in higher education

This research is motivated by changes in students' academic communication patterns due to the rapid development of digital technology, which has the potential to affect the consistency of formal language use. In academic literacy, formal language plays a crucial role as a marker of professionalism and the accuracy of scientific communication. This study aims to analyze the shift in formal language use in students' academic communication and identify the factors influencing it in the digital era. The research method used a qualitative approach with a descriptive design. Data were collected through an online questionnaire in the form of open-ended questions to students at the University of Muhammadiyah Maumere who actively use digital media in academic communication. Data were analyzed by grouping respondents' answers and identifying language usage patterns. The results show that students understand the differences between formal and informal language, but their application in digital academic communication is not yet consistent. The shift is characterized by the use of abbreviations, slang, and inconsistencies in linguistic rules influenced by instant communication habits, social environments, and the nature of digital media. These findings emphasize the importance of continuously strengthening formal language literacy and academic communication ethics in higher education

The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

In the modern era, embedded systems and the Internet of Things (IoT) are experiencing rapid and continuous development, with their usage projected to match or even exceed the number of IoT devices globally. This technological transformation has influenced various sectors, including education, which must adapt to current digital advancements. Therefore, it is important for educational institutions to integrate embedded systems and IoT concepts into their curricula to ensure that learning remains relevant to industrial and technological demands. Improving the competence and technological literacy of students and lecturers in the fields of embedded systems and IoT, particularly for smart control applications, is expected to strengthen academic capabilities and practical skills. Through this development, higher education institutions can encourage innovation and the application of technology-based solutions in solving real-world problems. Furthermore, this effort supports the implementation of the Tri Dharma of Higher Education, especially in the areas of education and research, by promoting applied research projects and collaborative learning activities based on embedded systems and IoT technologies.

In the modern era, embedded systems and the Internet of Things (IoT) are experiencing rapid and continuous development, with their usage projected to match or even exceed the number of IoT devices globally. This technological transformation has influenced various sectors, including education, which must adapt to current digital advancements. Therefore, it is important for educational institutions to integrate embedded systems and IoT concepts into their curricula to ensure that learning remains relevant to industrial and technological demands. Improving the competence and technological literacy of students and lecturers in the fields of embedded systems and IoT, particularly for smart control applications, is expected to strengthen academic capabilities and practical skills. Through this development, higher education institutions can encourage innovation and the application of technology-based solutions in solving real-world problems. Furthermore, this effort supports the implementation of the Tri Dharma of Higher Education, especially in the areas of education and research, by promoting applied research projects and collaborative learning activities based on embedded systems and IoT technologies.