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Interest in investing in Indonesia's capital market has increased, especially among the younger generation. However, this phenomenon has not been fully accompanied by adequate financial literacy. This study aims to analyze the effect of financial literacy on young people's investment interest in the capital market. The study used a quantitative approach with a survey method of 250 respondents aged 18-30 years in the Jabodetabek area. The instrument was a Likert questionnaire measuring three dimensions of financial literacy: knowledge, attitude, and behavior. Data were analyzed using multiple linear regression. The expected results include identification of the most influential dimensions of literacy, as well as financial education recommendations. This research contributes to OJK policy and digital technology-based education as a form of protection for young investors.

The accelerated progress in technology alongside the global integration of digital trends have significantly shaped the financial behavior of Generation Z. This demographic often displays short-term financial tendencies, such as impulsive spending, the adoption of the “You Only Live Once” (YOLO) mindset, and doom spending, which often undermines long-term financial planning. This study seeks to examine the extent to which love of money, financial literacy, and financial attitude influence personal financial management among members of GenBI South Sumatra. Information was obtained via surveys distributed to 63 participants, proportionally selected from a total population of 175 students from UIN Raden Fatah, Sriwijaya University, and Sriwijaya State Polytechnic. The study employed a quantitative research design using Structural Equation Modeling (SEM) method  with the SmartPLS 3.2.9 software. The data reveal that love of money, financial literacy, and financial attitude each have a positive and statistically significant impact on the personal financial management of Generation Z.

Tujuan dari penelitian ini adalah untuk mengkaji bagaimana Financial Anxiety, literasi keuangan, dan Self-control mempengaruhi pengambilan keputusan keuangan di kalangan warga Kota Palopo.Dengan menggunakan pendekatan kuantitatif, data dikumpulkan melalui survei online yang melibatkan 80 responden berusia 18-35 tahun, dengan gaji bulanan kurang dari 10 juta rupiah dan tingkat pendidikan minimal SMA. Untuk analisis data, regresi linier berganda digunakan untuk menilai peran setiap variabel dalam pengambilan keputusan keuangan Temuan menunjukkan bahwa Self-control dan literasi keuangan secara signifikan meningkatkan pengambilan keputusan keuangan sementara kecemasan keuangan tidak memiliki dampak yang signifikan. Hasil ini menekankan betapa pentingnya pengendalian diri dan literasi keuangan untuk meningkatkan standar pengambilan keputusan keuangan. Temuan ini menyoroti pentingnya literasi keuangan dan pengendalian diri dalam meningkatkan kualitas pengambilan keputusan keuangan. Oleh karena itu, program untuk meningkatkan literasi keuangan dan pelatihan pengendalian diri direkomendasikan sebagai langkah strategis untuk mendukung pengambilan keputusan keuangan yang lebih bijaksana di masyarakat. Penelitian lebih lanjut diharapkan dapat memperluas ruang lingkup dan jumlah penelitian Responden juga memperhitungkan faktor-faktor tambahan yang dapat mempengaruhi hubungan antara kepedulian keuangan dan pengambilan keputusan keuangan, seperti tingkat pendapatan dan dukungan sosial.

This study aims to analyze how financial literacy and the frequency of use of financial technology (fintech) services affect the financial management patterns of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digitalization era has changed the way students manage their finances, which now combine traditional financial understanding with the implementation of digital technology innovations. This research uses a quantitative method with an explanatory approach, involving respondents selected through random stratification to ensure balanced representation. Data collection uses a Likert scale questionnaire instrument, while data analysis applies a multiple linear regression model. Empirical results prove that financial literacy and fintech utilization both have a significant and positive impact on students' financial management patterns. Together, these two factors can explain most of the variation in respondents' financial behavior. These findings emphasize the importance of integrating fundamental financial knowledge with the ability to adapt to digital technology as a foundation for forming effective financial management competencies in the modern era. In terms of implementation, the results of this study suggest strengthening the economics education curriculum that includes learning digital financial literacy and the use of fintech services that are wise and ethical.

This community service activity aims to introduce financial literacy from an early age to children in Siantar Narumonda Village through an interactive and educational tutoring program. Financial literacy is an important skill that must be instilled from an early age so that children are able to manage their finances wisely in the future. This activity uses a qualitative descriptive approach to describe the execution process systematically. The program was implemented by students of the Tarutung State Christian Institute as part of the Community Service and Service Lecture (KPPM), targeting 35 children aged 1–12 years. The program was implemented for one month and two weeks, three times a week. The material presented was in five main topics: the importance of financial literacy, tips for managing finances, saving, getting to know money and how to manage it, and getting to know banks and financial institutions. The delivery of the material was carried out through fun methods such as games, simulations, short stories, and group discussions. Evaluation was carried out through participant observation, question and answer sessions, and visual documentation. The results of the activity showed that the children experienced an increase in understanding of the basic concepts of financial literacy and began to apply positive habits in managing finances. This activity is also a means of meaningful learning for implementing students. With an interesting and structured approach, this activity provides significant educational and social impacts. Early financial literacy has proven effective in forming a generation that is financially intelligent and responsible in managing economic resources.

This community engagement program aims to enhance financial literacy as a preventive measure against the widespread issue of fraudulent investment schemes. Titled “Synergy in Financial Literacy Education: Breaking the Chain of Fraudulent Investment Victims”, the activity was conducted in Sanrobone Village and involved 20 participants consisting of local residents and university students. The method employed was an interactive seminar that combined presentations with open discussions. The results showed a significant increase in participants’ understanding of the characteristics of illegal investments, the importance of personal financial management, and the need for caution in making financial decisions. The synergy between academic institutions and the community is expected to serve as a strategic effort to strengthen financial resilience and reduce the number of victims of investment fraud.

This study aims to analyze the influence of financial literacy, investment risk, sharia compliance, and subjective norms on individual’s interest in investin in sharia-based securities crowdfunding (SCF) stock instruments in Jakarta. A quantitative approach with descriptive method was employed in this research. Primary data were collected through questionnaires distributed to 240 respondents selected using purposive sampling. The population in this study consisted of individuals who are interested in sharia SCF stocks and reside or work in Jakarta. The data were analyzed using structural equation modeling-partial least squares (SEM-PLS). The results indicate that finansial literacy, investment risk, sharia compliance, and subjective norms have a positive and significant influence on investment interest in sharia-based securities crowdfunding stock in Jakarta.

This research investigates the influence of entrepreneurship education on Generation Z's entrepreneurial intention, mediated by digital business and financial literacy. Unemployment is a significant challenge in Indonesia, particularly for university graduates, with a 2024 unemployment rate of 5.25% for graduates. Entrepreneurship, especially digital entrepreneurship, is seen as a key solution to job creation. The study aims to understand how digital and financial literacy collectively affect the impact of entrepreneurship education on entrepreneurial intention. Employing a quantitative method, the study sampled 55 economic education students who had completed entrepreneurship courses. Data was collected via Google Forms and analyzed using classic assumption tests and hypothesis testing, including multiple linear regression with moderated regression analysis. The findings indicate that entrepreneurship education significantly influences entrepreneurial intention, digital business literacy, and financial literacy. Furthermore, both digital business literacy and financial literacy significantly impact entrepreneurial intention. Crucially, digital business literacy and financial literacy mediate the relationship between entrepreneurship education and entrepreneurial intention. These results highlight the importance of comprehensive entrepreneurship education in equipping young individuals with essential digital and financial skills, fostering a stronger entrepreneurial mindset, and preparing them for the complexities of the modern business world.

This program was designed to improve the financial literacy of Generation Z, with a specific focus on members of the Maluku Protestant Church Youth Movement (AMGPM) in Poka Village. Initial assessments indicated that most participants had limited financial knowledge, with fewer than 30% understanding basic investment concepts. The initiative employed socialization and simulation methods to educate participants on investment principles, introduce regulated investment applications approved by OJK and BAPPEBTI, and promote secure online investment strategies. Evaluation findings revealed significant progress, with 40% of participants showing improved financial literacy. Additionally, over 75% successfully performed investment steps during simulations, and 85% expressed increased confidence in beginning their investment journey. While the program effectively enhanced participants' understanding, continued training is necessary to ensure long-term impact, particularly in the areas of portfolio diversification and risk management, which are critical for building sustainable and resilient investment practices.

This research aims to analyze the influence of financial literacy, digital payment usage, and income on financial inclusion in DKI Jakarta. This study uses a quantitative approach with a survey method through questionnaires distributed to 157 respondents who are digital payment users aged 15-59 years, have an income, and reside in DKI Jakarta. The analysis results show that financial literacy, digital payment usage, and income each have a positive and significant impact on financial inclusion. The R² value of 0.588 indicates that 58.8% of the variation in financial inclusion can be explained by the variables of financial literacy, digital payment usage, and income. Meanwhile, the remaining 41.2% is explained by other factors not discussed in this study.

This Community Service was carried out in Kampung Baru,jalan Timor Raya KM 8 Kelurahan Oesao,kecamatan Kupang Timur. Kabupaten Kupang on June 16, 2025 with the aim of increasing public understanding of Financial Technology (FinTech) as part of digital financial literacy. The activity began with a pre-test to identify the community's initial knowledge, continued with the delivery of material through an interactive lecture method, a simulation of the digitalization of the payment system using QRIS, and ended with a post-test and a question and answer session. The material presented included the basic concepts of FinTech, types of digital financial services, digital security, and the benefits and risks of using financial technology. The community showed high enthusiasm, as evidenced by active participation in the discussion and increased understanding based on the results of the post-test evaluation. This PKM activity has a positive impact in raising public awareness and readiness to face the increasingly rapid digital transformation in the financial sector in the future. As a follow-up, the community is expected to be able to learn and utilize FinTech wisely in everyday life, especially in digital transactions and personal financial management.

This study aims to determine the effect of financial literacy, ease, and usefulness in the decision to use e-money on improving the performance of MSMEs in Medan City. Where researchers want to see how much influence financial literacy has on the decision to use e-money, how much influence ease of use has on the decision to use e-money, how much influence usefulness of use has on the decision to use e-money, how much influence financial literacy, ease, and usefulness in the decision to use e-money on improving the performance of MSMEs in Medan City. The dependent variable is the decision to use e-money, the independent variables are financial literacy, ease of use of e-money, and usefulness of use of e-money. This research method uses a quantitative method. The data used is primary data. Primary data was obtained using a data collection tool in the form of a questionnaire from a sample of 100 MSME actors with the help of the SPSS 25.0 program. The results of the study showed that F Calculation was 35.743> F table (3.090). With a probability value of 0.000 (p <0.05). This means that the variables of Financial Literacy (X1), Ease of Use of E-Money (X2), and Usefulness of Use of E-Money (X3) together have a significant influence on the decision to use e-money to improve the performance of MSMEs in Medan City.

Community service on financial literacy with the aim of changing the mindset and behavior of business actors in managing their businesses has been carried out. The community service method used is based on lectures and training on financial management; both in planning programs based on financial capabilities, implementing programs and evaluating programs that have been created. The results of the community service show that business actors, especially BUMDes Zansibar managers, have understood how to utilize the capital they have to plan superior BUMDes programs. In addition, with this community service they can make simple financial reports in reporting organizational performance as a form of transparency in organizational management.

The importance of implementing community service activities (PKM) in the Tri Dharma of higher education has a positive impact on the community. The title of this PKM is "Empowerment of human resources through digital financial literacy to prevent illegal online lending practices among mothers of Majelis Taklim Al Hasanudin. " The low level of digital financial literacy is the main cause that makes mothers entangled in illegal loans. The purpose of this PKM is to increase the understanding of digital financial literacy, which is crucial for the community to recognise and stay away from unauthorised online loans. With good knowledge, each individual is expected to make smart financial decisions and avoid the trap of illegal debt. This community service activity took place in the Sawah Baru Ciputat area, South Tangerang. The methods used in the implementation of this PKM include participatory approaches, lectures, and focus group discussions (FGDs). The results of this activity show that the participants, namely the mothers of Majelis Taklim Al Hasanudin who have received education, are able to take both preventive and responsive steps to protect themselves from the negative impacts of illegal online loans. Their improved understanding of the characteristics of illegal online loans, the importance of financial planning, and the ability to access legitimate financial information were significant results. Thus, digital financial literacy proved effective in strengthening the capacity of the women to maintain personal financial stability and avoid illegal online lending practices.

The aim of this research is to explore the impact of financial literacy, financial inclusion, and locus of control on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) active in Central Java. This study follows a quantitative research approach, which involves testing hypotheses and determining the relationships between variables, allowing for generalization of the results from the sample to the broader population. Quantitative research collects data in the form of numbers or statistics, enabling objective statistical analysis. The study employs clear and standard measuring tools to ensure the consistency and reliability of the collected data. The research begins with a specific hypothesis, which is then tested through systematic data collection and analysis. The results of the study indicate that the variables of financial literacy (X1), financial inclusion (X2), and locus of control (X3) all have a positive and significant influence on the financial performance of MSMEs in Central Java. The statistical analysis shows that the calculated T values are greater than the critical values in the t-table, and the significance values are below the threshold of 0.005, confirming the robustness of the findings. The results also suggest that enhancing financial literacy, promoting financial inclusion, and fostering a strong sense of locus of control among MSME owners can significantly improve their financial performance. These findings have important implications for policymakers and business development programs aimed at improving the sustainability and growth of MSMEs. By addressing these factors, MSMEs in Central Java can potentially achieve better financial outcomes and contribute to the overall economic development of the region. Future research could expand the scope to include more diverse regions and industries to validate and build upon these findings.

The development of the Islamic economy globally continues to show an encouraging increase. However, in Indonesia, Islamic financial literacy and inclusion are still relatively low. One of the main challenges is the gap between theoretical understanding and application of Islamic financial products, especially among Gen-Z students. This study aims to evaluate students' level of knowledge about Islamic finance and their tendency to manage their personal finances, as well as identify factors that hinder the use of Islamic financial services. This study used a descriptive qualitative method with data collection techniques through questionnaires. A total of 77 students from Universitas Pendidikan Indonesia (UPI) became respondents in this study. The results obtained show that although students have a fairly good level of literacy and high interest in the Islamic financial system, it has not been followed by real practice in everyday life. The findings emphasize the need to increase educational efforts, utilize digital media more effectively, and strengthen the accessibility of Islamic financial services among the younger generation.

This study aims to determine the influence of digital comic learning media KLIK (Financial Literacy Comics) on cognitive learning outcomes in social studies subjects of grade VII students of SMP Negeri 22 Malang. The approach used in this study is a quantitative approach. The type of research used is an experimental type of research with a Posttest Only Control Group Design research design. The population in this study is all grade VII students of SMP Negeri 22 Malang with the sample used, namely grade VII B students as the experimental class and grade VII G as the control class. The instrument used to measure students' cognitive learning outcomes is test questions. The data analysis techniques used in this study were data instrument tests with validity tests and reliability tests, prerequisite tests with normality tests and homogeneity tests, and hypothesis tests using t-tests. The results of the study showed that there was a partial influence of digital comic learning media KLIK (Financial Literacy Comics) on students' cognitive learning outcomes. This is evidenced by the results of data analysis with the help  of SPSS 22 for Windows which shows 0.000 < 0.05 which means that H0 is rejected and H1 is accepted.

A study on the challenges of pension fund literacy and inclusion in Indonesia concluded that the average level of pension fund literacy in the period 2013 - 2025 only reached 18.08%, while the average level of inclusion in that period only reached 4.23%. The level of pension fund literacy and inclusion in Indonesia is low. In SNLIK 2025, the pension fund literacy rate was 27.79%, while the pension fund inclusion rate was 5.37%. Compared to the 2022 pension literacy rate of 30.46% and the 2022 inclusion rate of 5.40%, this means that pension literacy and inclusion rates are declining. It can be said that out of 10 Indonesians, only 2.7 people “understand” pension funds and only 0.5 (half) people “have” pension funds. This means that for every 10 Indonesians, less than 1 person has a pension fund. Low pension literacy and inclusion has a direct impact in the form of 1) an older generation at risk of poverty or financial dependence on children/family, 2) a continuing sandwich generation cycle, 3) stagnant growth of the pension fund industry, 4) low public trust, and 5) the emergence of public skepticism towards pension funds in the future.

This study uses a qualitative method to examine the effectiveness of marketing strategies implemented by Islamic banks in attracting young customers. The background of this research is based on the significant growth of the Islamic banking sector in Indonesia, which has not yet fully optimized the potential of the youth market segment. Data were collected through in-depth interviews with marketing managers and young customers, as well as documentation of the promotional strategies employed. The findings reveal that marketing strategies emphasizing Islamic values, service digitalization, and social media campaigns significantly influence young customers’ interest. However, some challenges were also identified, such as low Islamic financial literacy among the youth and limited product innovation tailored to their needs. This study recommends strengthening Islamic financial education, collaborating with youth communities, and developing technology-based products and services so that Islamic banks can be more competitive in attracting young customers. With a more adaptive and communicative approach, Islamic banks have the potential to become the preferred choice for the younger generation in the future.

The low level of Islamic financial literacy in Indonesia is a serious challenge in realizing a financial system that is inclusive and in accordance with Islamic values. Islamic financial literacy reflects an individual's understanding of financial concepts and products based on sharia principles such as the prohibition of riba, gharar, and maysir, as well as the importance of fairness and social responsibility. This article aims to evaluate strategies to improve Islamic financial literacy by emphasizing on two main approaches: education and public campaigns. The method used is a literature study by reviewing various academic literatures, financial institution reports, as well as practices in other countries that have successfully implemented Islamic financial literacy widely. The results of the study show that formal education such as the integration of Islamic finance materials in the school curriculum, as well as non-formal education in the form of training and counseling, contribute significantly to improving public understanding. On the other hand, public campaigns through social media, educational videos, and collaboration with religious leaders have proven effective in reaching various segments of society, especially the younger generation. This study concludes that improving Islamic financial literacy requires a holistic and synergistic approach between education, campaigns, and regulatory support from the government and financial institutions. Recommendations include thematic curriculum development, training for educators, and sustained digital-based campaigns. The findings of this article are expected to make practical and theoretical contributions to the development of Islamic financial literacy strategies in Indonesia.