This study investigates the role of fintech and digital finance as intermediary variables in the influence of sharia financial literacy on increasing sharia financial inclusion in Aceh Province. This study examined 308 respondents spread across various regions of Aceh Province and analyzed using SEM AMOS and a purposive sampling technique. After conducting various tests, this study demonstrated that sharia financial literacy, fintech, digital finance, and sharia financial inclusion have been well-functioning. Sharia financial literacy has been proven to enhance fintech, digital finance, and sharia financial inclusion in Aceh. Correspondingly, fintech and digital finance also have a positive and significant impact on sharia financial inclusion. Furthermore, fintech and digital finance have also been shown to partially mediate the relationship between sharia financial literacy and sharia financial inclusion
The community service program titled “Digital Literacy Transformation through Canva as a Strategic Step for Strengthening Education and Empowering the Potential of Susukan Village toward Independence” was implemented to enhance the digital literacy competencies of rural communities, particularly among youth. This initiative was motivated by the low level of digital-based educational literacy, limited use of interactive learning media, and the lack of promotional content supporting the creative economy in Susukan Village. The implementation method employed a community-based empowerment approach through five main stages: socialization, training, technology application, mentoring and evaluation, and the establishment of the Village Digital Literacy Center. The training was conducted through hands-on practice, including the introduction of basic Canva features, the creation of interactive learning media, and the development of village branding content. The results demonstrated a significant improvement in participants’ skills: 80% were able to produce at least three usable designs, 72% successfully created independent educational or promotional content, and participant satisfaction reached 91%. Moreover, participants’ digital literacy scores increased to 82.4 after the training. The establishment of the Village Digital Literacy Center serves as a strategic step to ensure program sustainability and autonomous knowledge transfer at the local level. Overall, this activity successfully promoted digital literacy transformation in Susukan Village, strengthened the community’s ability to utilize technology for education and local potential empowerment, and fostered an adaptive and self-reliant village in the digital era.
This community service program aims to improve the capacity and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Paku Village, Payung District, South Bangka, through an integrated intervention approach. The program's primary focus is education on legal protection, digital financial literacy, and product marketing, which can strengthen the competitiveness of rural MSMEs. Rural MSMEs often face various challenges, such as difficulties in complying with legal regulations, limited access to financing, and limited market reach, which hinder their growth. Therefore, this program adopts a participatory approach involving workshops, training, and direct mentoring to provide MSMEs with the knowledge and skills necessary to overcome these challenges. Expected outcomes of this program include increased understanding of business legality, adoption of digital financial transactions, and the implementation of effective digital marketing strategies. Through the integration of these three aspects, this program aims to increase MSME income, expand their competitiveness, and create new jobs at the local level. With long-term impacts that include village economic development and community empowerment, this program is expected to become a sustainable model for MSMEs in other villages in the area.
This community service program aims to improve the capacity and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Paku Village, Payung District, South Bangka, through an integrated intervention approach. The program's primary focus is education on legal protection, digital financial literacy, and product marketing, which can strengthen the competitiveness of rural MSMEs. Rural MSMEs often face various challenges, such as difficulties in complying with legal regulations, limited access to financing, and limited market reach, which hinder their growth. Therefore, this program adopts a participatory approach involving workshops, training, and direct mentoring to provide MSMEs with the knowledge and skills necessary to overcome these challenges. Expected outcomes of this program include increased understanding of business legality, adoption of digital financial transactions, and the implementation of effective digital marketing strategies. Through the integration of these three aspects, this program aims to increase MSME income, expand their competitiveness, and create new jobs at the local level. With long-term impacts that include village economic development and community empowerment, this program is expected to become a sustainable model for MSMEs in other villages in the area.
This study aims to analyze the influence of financial literacy, paylater usage, and income on the consumptive behavior of Generation Z in Indonesia. The background of this research is based on the increasing use of digital financial services, particularly paylater, and the growing trend of consumptive lifestyles among Generation Z, who are exposed to the convenience of technology and have relatively low financial control. The research uses a quantitative approach with descriptive and causal analysis. The population in this study consists of Generation Z in Indonesia aged 18–27 years who have income and have used paylater services. The sampling technique used was non-probability sampling with the purposive sampling method, and the sample size was 100 respondents. Data were collected using questionnaires and analyzed using SPSS version 26. The analysis included validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that financial literacy has a negative and significant effect on consumptive behavior, meaning that the higher the financial literacy, the lower the tendency to act consumptively. Conversely, paylater usage and income have a significant joint influence on Generation Z’s consumptive behavior.
The digital transformation era requires university students to develop digital literacy competencies that not only support academic activities but also serve as essential capital for entering the workforce and pursuing entrepreneurship. One relevant professional platform to enhance career readiness is LinkedIn, which serves as a medium for both personal branding and professional networking. This community service aimed to improve students’ digital literacy and career readiness through mentoring sessions on LinkedIn account optimization. The program involved the students from the English Education (TBI) and Physics Education (TFS) study programs at the Faculty of Tarbiyah and Teacher Training, UIN Palangka Raya, comprising prospective teachers and professionals across various disciplines. The implementation was carried out through tutorials and direct mentoring in two sessions, covering account creation, developing professional headlines and summaries, adding skills and experiences, and uploading simple portfolios. The results indicated that all participants successfully created or improved their LinkedIn profiles, actively engaged in the activities, and demonstrated a greater awareness of the importance of a professional digital identity, which can be seen from the students’ participation, the quality of the profiles produced, and their commitment to continuously developing their LinkedIn accounts. The program highlights LinkedIn’s strategic role in strengthening digital literacy and career readiness among university students in the global era.
This community service program aimed to enhance students’ pharmaceutical literacy through the introduction of drug classification logos at SMP Muhammadiyah 04 Pangkatrejo. The background of this activity was the low level of drug-use literacy among adolescents, often leading to irrational self-medication. The activity employed a quantitative descriptive design with a one-group pretest–posttest approach. Educational interventions included interactive counseling, PowerPoint presentations, visual media using logo sticks, and pretest–posttest evaluation. Data were analyzed using the Wilcoxon Signed Rank Test. The results showed a significant improvement in students’ knowledge (p = 0.000), with mean scores increasing from 58% to 81% after the intervention. The highest gain was observed in the recognition of logo colors and drug classifications. Satisfaction analysis revealed that 96% of participants expressed satisfaction with the learning process, especially regarding material clarity and the presenters’ readiness to answer questions. The study concludes that participatory educational methods and visual media effectively improve rational drug-use awareness among junior high school students. Future programs are recommended to expand similar activities to other schools and integrate digital media for sustained impact on public health literacy.
The younger generation born in the digital age has great potential to support tax collection. However, the low level of tax compliance among the younger generation is a major concern, especially in the digital age, where the use of online tax services is not yet optimal, tax literacy is still limited, and a lack of socialization is an obstacle to utilizing digital services. This study aims to analyze the influence of preferences for digital tax services and tax literacy on tax compliance among the younger generation at the Majalaya Tax Office. The study uses a quantitative approach with surveys as the data collection method. The sample consists of young taxpayers registered at the Majalaya Tax Office, and the data is analyzed using linear regression to test the partial and simultaneous effects of independent variables on tax compliance. The results show that digitalization preferences have a positive and significant effect on tax compliance, indicating that younger generations who are more responsive to digital services tend to be more compliant. Tax literacy also has a positive and significant effect, showing that a sufficient understanding of tax rights, obligations, and regulations encourages compliance. Simultaneously, the combination of digitalization preferences and tax literacy significantly affects tax compliance, with a coefficient of determination of 0.438, meaning that 43.8% of the variation in compliance can be explained by these two variables. The findings of this study emphasize the importance of integrating easy access to digital services and improved tax literacy to encourage tax compliance among the younger generation.
The phenomenon of fear of missing out (FOMO) has become increasingly prominent in the era of digital literacy and poses a serious challenge for Islamic education, particularly in shaping the character of Muslim millennial generations. This study aims to analyze the impact of FOMO on the behavior, spirituality, and learning processes of Muslim youth, as well as to offer strategies for Islamic education in responding to this phenomenon. The research employed a qualitative method with a library research approach, through a critical review of books, journal articles, proceedings, and relevant research reports published in the last five to ten years. The findings indicate that FOMO affects not only psychological aspects but also leads to moral decline and spiritual crises among students. Islamic education plays a strategic role in addressing FOMO through the reinforcement of Islamic digital literacy, which includes critical awareness, media ethics, and self-control. The novelty of this study lies in emphasizing the need for repositioning Islamic education as a creative and transformative force capable of integrating the values of qana’ah, zuhud, and tawakkul into the digital reality, while offering an alternative paradigm in the form of joy of missing out (JOMO). Thus, this study concludes that Islamic education can serve both as a safeguard and as a guide for Muslim millennial generations to remain adaptive, critical, and rooted in transcendental values amid the dynamics of digitalization.
This community service program is based on the actual conditions experienced by local coffee businesses that face significant obstacles in increasing their sales turnover due to limited knowledge of digital tools. This activity aims to share a better understanding of the digital world with the coffee business community in Indrokilo Hamlet, so that they can apply digital technology continuously and independently in order to improve marketing and increase sales. The method used to achieve the program's objectives is to provide direct literacy training to members of the Kelompok Wanita Tani (KWT) Manggar Lestari through several intensive sessions conducted sequentially and interactively. The results of the literacy program show that training participants increasingly understand and realize the importance of applying digital technology in their business processes to remain competitive. This activity is expected to be the beginning of further sustainable community empowerment efforts on related topics, so that the coffee business community in Indrokilo can continue to develop, innovate and grow steadily.
The convenience of digital payments and the advancement of financial technology may influence on students' purchasing decisions, making sound financial management and financial literacy crucial. The objective of this study is to examine how students in the Economics Education Study Program's personal financial management abilities are impacted by financial literacy, priority scale setting, and digital payment usage. A quantitative associative research strategy is used, with 64 students serving as a sample from a population of 173 pupils chosen by purposive sampling. Questionnaires were used to gather data, and SPSS version 23 was used for analysis. The findings indicate that priority scales and financial literacy have a beneficial impact on personal financial management, while digital payment have no effect. However, concurrently, these three independent variables exert influence on students’ personal financial management.
The era of digital disruption has brought significant changes to people's behavior, including investment activities. Retail investors have increasingly easy access to the capital market through digital applications such as Neo HOTs, Bibit, and Stockbit. However, this convenience is not always accompanied by adequate digital financial literacy. This study aims to explore retail investors' experiences using digital investment applications and understand their perceptions of sustainable investing in the Society 5.0 era. The research method used a descriptive qualitative approach with in-depth interviews with a number of active retail investors. The findings indicate that the majority of retail investors are attracted to investing due to ease of access and promotions, but many still make impulsive decisions based on social media trends (fear of missing out/FOMO). A small number of investors are beginning to understand the importance of sustainable investing (ESG), although it has not yet become a primary consideration in investment decisions. This study emphasizes the importance of more targeted digital financial literacy so that people can use technology wisely, maintain personal financial sustainability, and contribute to sustainable development.
UMKM pada industri kreatif berkembang begitu pesat, tingkat literasi sangat berpengaruh terhadap tingkat pemahaman dan wawasan seseorang sehingga dapat berdampak positif dalam perkembangan ekonomi dan lingkungan tidak terkecuali pada UMKM D&R Snack. Permasalahan utama pada usaha UMKM D&R Snack adalah kurangnya pemahaman tentang digitalisasi pemasaran serta minimnya kemampuan dalam membuat packaging yang menarik calon konsumen sehingga barang yang di jual cenderung memiliki tampilan yang sama sehingga membuat diferensiasi produk sangat minim sehingga sulit mendapatkan konsumen yang loyal. Solusi yang di tawarkan kepada mitra adalah melakukan sosialsiasi digital marketing, pelatihan packaging dan pendampingan secara berkelanjutan. Hasil dari kegiatan ini yaitu meningkatnya pengetahuan UMKM D&R Snack untuk mengaplikasikan penggunaan digital marketing serta memperbaiki packaging yang di jual ke konsumen sehingga dapat memiliki identitas produk serta memiliki pangsa pasar yang lebih luas.
Era digital membawa tantangan sekaligus peluang dalam pelestarian budaya lokal. Desa Ngaru-Aru, yang kaya akan warisan budaya seperti Tari Topeng Ireng, menghadapi kendala dalam promosi budaya akibat kurangnya dokumentasi dan media digital yang representatif. Program pengabdian masyarakat ini bertujuan mengembangkan website bundaru.com sebagai media edukasi dan promosi seni budaya lokal. Metode yang digunakan meliputi observasi partisipatif, wawancara, dokumentasi, dan FGD dengan pihak-pihak yang terkait. Hasil dari kegiatan ini meliputi peningkatan literasi digital, partisipasi aktif generasi muda, penguatan identitas budaya melalui platform digital dan sarana promosi kebudayaan. Website ini tidak hanya menyajikan informasi tentang sejarah dan filosofi Tari Topeng Ireng, tetapi juga menyediakan galeri, jadwal acara, profil komunitas seni lokal dan kontak dari setiap komunitas atau penggiat seni. Keberhasilan program ini menunjukkan bahwa digitalisasi dapat menjadi strategi efektif dalam pelestarian budaya, sekaligus memperkuat ekosistem sosial dan ekonomi desa berbasis budaya.
Panti Wreda Catur Nugraha di Kabupaten Banyumas merupakan lembaga sosial yang merawat sekitar 30 lansia dengan berbagai kondisi kesehatan. Pencatatan rekam medis yang masih dilakukan secara manual menyebabkan data rawan hilang, sulit dianalisis, dan kurang efisien. Tim Pengabdian kepada Masyarakat dari STIKOM Yos Sudarso Purwokerto menyelenggarakan pelatihan pembuatan laporan rekam medis berbasis digital dengan memanfaatkan Google Forms untuk pengumpulan data dan Microsoft Word untuk penyusunan laporan. Kegiatan ini diikuti oleh 20 pengasuh dan karyawan panti. Metode yang digunakan meliputi penyuluhan, demonstrasi, praktik langsung, serta evaluasi melalui pre-test dan post-test. Hasil pelatihan menunjukkan adanya peningkatan kemampuan peserta dalam menggunakan komputer, terbukti dari kenaikan nilai rata-rata dari 47 pada pre-test menjadi 60,5 pada post-test, dengan dua peserta mencapai nilai sempurna. Pelatihan ini berhasil meningkatkan literasi digital peserta dan diharapkan dapat diterapkan secara berkelanjutan untuk mendukung peningkatan mutu dokumentasi kesehatan lansia di Panti Wreda Catur Nugraha.
Penelitian ini bertujuan untuk memahami strategi komunikasi orangtua dalam membatasi penggunaan ponsel anak usia 8–10 tahun di Dukuh Kayon, Desa Batursari, Kecamatan Mranggen, Kabupaten Demak. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan lima informan orangtua dari latar belakang sosial ekonomi berbeda. Hasil penelitian menunjukkan bahwa pola komunikasi orangtua bervariasi antara otoritatif, permisif terbatas, dan dialogis. Pola komunikasi dialogis dengan pendekatan active mediation lebih efektif dalam menumbuhkan literasi digital serta membentuk disiplin belajar anak. Kendala yang dihadapi orangtua meliputi keterbatasan waktu, tekanan sosial dari lingkungan teman sebaya, serta tuntutan akademik berbasis digital. Penelitian ini menyimpulkan bahwa strategi komunikasi dialogis yang konsisten, ditopang kolaborasi sekolah dan komunitas, dapat memperkuat pengasuhan digital dan meminimalkan dampak negatif penggunaan ponsel pada anak.
This community service activity was carried out with the primary objective of improving the financial literacy of Micro, Small, and Medium Enterprises (MSMEs) in Pesawaran Regency. Financial literacy is considered a fundamental aspect in maintaining business continuity, as it is directly related to the ability of business actors to manage income, record transactions regularly, develop short-term and long-term financial plans, and utilize digital technology as a supporting tool. Low financial literacy is often an obstacle to the development of MSMEs, so interventions in the form of structured training and mentoring are essential. The activity method includes several stages, namely a pre-test to measure initial conditions, interactive delivery of training materials, direct practice using digital financial applications, and a post-test to disseminate learning outcomes. The evaluation results showed a significant increase in all measured indicators. Basic financial literacy increased by 10.16 points, financial recording skills increased by 14.47 points, the ability to prepare financial plans increased by 12.43 points, while financial digitalization experienced the highest performance with an increase of 18.12 points. These findings confirm that financial literacy training programs not only improve conceptual knowledge but also develop the practical skills essential for MSMEs to face the challenges of the modern economic era. This increased understanding and skills are expected to make Pesawaran MSMEs more independent, adaptable to digital technology developments, and more competitive.
This community service program focuses on enhancing digital literacy, documenting cultural traditions, and developing integrated promotional media through the EthnoGring platform in Tlemang Cultural Tourism Village, Lamongan. The activities were conducted in collaboration with the local tourism group, Pokdarwis “Bukit Inggil,” through stages of needs assessment, digital literacy training, cultural content production and curation, platform development, and monitoring and evaluation. The results indicate that digitalization strengthens community capacity to manage tourism promotion while simultaneously safeguarding cultural heritage in the face of modernization. Cultural outputs such as documentaries, photographs of traditional rituals, interview transcripts with cultural figures, and an e-book on the Nyanggring tradition serve not only as promotional tools but also as efforts to conserve collective community knowledge. The integration of these outputs into the EthnoGring platform, equipped with public service and tourism information features, highlights the strategic role of digital innovation in supporting sustainable tourism village development. Early impacts include broader exposure of Tlemang’s cultural heritage, the emergence of local economic initiatives, and the establishment of a more adaptive community organization. Although challenges remain, particularly in digital infrastructure, collective engagement and institutional support serve as key foundations for sustainability. Therefore, EthnoGring contributes not only to cultural preservation but also to strengthening the social, economic, and institutional dimensions of sustainable tourism.
Community service (PKM) is one of the pillars of the Tri Dharma of Higher Education, aimed at improving the quality of life of society through the transfer of knowledge and technology. This study focuses on the strategic role of PKM in addressing the low literacy levels in Indonesia, an issue that directly impacts social-economic welfare. Based on literature studies, this article analyzes the relationship between PKM, literacy, and welfare, as well as identifying effective implementation methods. The analysis results show that PKM is not only limited to formal education but must also be solution-oriented, participatory, and sustainable. Relevant PKM programs, such as the establishment of reading gardens, digital training for MSMEs, and financial education, have proven effective in enhancing community literacy. Improving literacy, including digital and financial literacy, is an essential tool for empowering communities to access information, develop skills, and make informed decisions. Digital literacy, for instance, opens access to vast information, while financial literacy helps communities manage their finances wisely, ultimately increasing their economic competitiveness. Through a participatory approach, PKM can also encourage communities to be more actively involved in decision-making processes related to their welfare. Through PKM programs, academics can bridge the knowledge and skills gap in society, contributing to the reduction of poverty and inequality. Thus, literacy not only functions to enhance individual capacity but also serves as a bridge to better welfare, covering economic, social, and health aspects. Solution-oriented and sustainable PKM programs can be the key to creating a more prosperous and independent society.
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