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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.

Online gambling has emerged as a growing public health and social concern, particularly in developing countries with rapid digitalization such as Indonesia. Increased internet accessibility, mobile device usage, and financial technology services have facilitated the widespread adoption of online gambling across diverse age groups, including adolescents. This study aims to investigate the phenomenon of online gambling and identify key determinants contributing to addictive gambling behavior. The method used is a narrative literature review, synthesizing findings from national and international studies related to online gambling, behavioral addiction, psychological mechanisms, and socio-environmental factors. The findings indicate that online gambling addiction is influenced by multiple interrelated determinants, including economic pressure, cognitive distortions such as illusion of control, low legal awareness, environmental exposure, and technological features embedded in gambling platforms. Neurobiologically, repetitive gambling behavior is reinforced by dysregulation of the brain’s reward system, particularly dopamine pathways, which strengthens compulsive engagement despite adverse consequences. Psychosocial impacts include increased risk of anxiety, depression, financial instability, social isolation, and criminal behavior. The study also highlights that adolescents are particularly vulnerable due to developmental factors and peer influence. The implications of these findings emphasize the need for comprehensive prevention strategies involving stricter legal enforcement, public education, mental health interventions, family support, and technological regulation. A multidisciplinary and public health–oriented approach is essential to reduce the prevalence of online gambling addiction and mitigate its long-term psychological, social, and economic consequences.

Health behaviors among youth have undergone a significant transformation, shifting from nightlife culture and alcohol consumption toward healthy lifestyles such as community sports (running and padel). This phenomenon, known as the sober curious movement, is triggered by massive interactions in digital spaces. This study aims to analyze the role of social media as a catalyst in the transformation of the sober curious lifestyle and the increased participation of youth in healthy living through a literature review. This research employs a narrative literature review method. Literature searches were conducted through the Consensus database, Google Scholar, and Garuda, covering the period from 2021 to 2026. Data analysis was performed thematically on articles relevant to the digital health behavior of young adults. Findings indicate that social media acts as a primary catalyst through social norm engineering, whereby health is now viewed as a prestigious social status symbol. Digital platforms provide a space for the younger generation to normalise alcohol-free lifestyles, so that they are no longer considered unusual by their peers. The synergy between educational content and online communities accelerates the continuous internalisation of preventive values. Social media effectively shifts the health paradigm of the younger generation from a mere medical obligation to an aspirational digital identity. Public health practitioners need to optimize this digital potential as a proactive health promotion instrument to foster a fitter society in the future.

Advances in information technology have ushered society into the new media era, where social media is not just an information tool but also a new social space for teenagers. Instagram, as a visual-based platform, plays a significant role in shaping the reality of ideal lifestyles. Teenagers, who are in the process of discovering their identities, are susceptible to the influence of influencers and aesthetically constructed lifestyle trends on social media. This often triggers a shift in consumption patterns from functional to symbolic needs. This study used a qualitative descriptive approach. The subjects consisted of 10 students from the 2025 class of International Women University in Bandung, aged 18-20. Data were collected through in-depth interviews, participant observation, and documentation, then analyzed through data reduction and presentation. The findings indicate that all subjects are active social media users, spending 4 to 9 hours per day. They use Instagram as a means of building their personal branding and seeking lifestyle references. There is a tendency for consumer behavior driven by four main factors: peer influence and the Fear of Missing Out (FoMO) phenomenon, the use of goods as symbols of social identity (sign value), exposure to persuasive content from opinion leaders or influencers, and consumption as psychological compensation (self-reward) to relieve academic stress. Students tend to make impulsive purchases of viral fashion, beauty, and culinary products to gain social recognition online.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.

The rapid advancement of social media platforms has reshaped how people form and express their identities within digital environments, especially among university students. This research seeks to examine the extent to which personal use of social media influences the development of personal branding among students in the Digital Communication and Media Program at IPB University Vocational School. A quantitative research method with a survey approach was applied, involving 71 participants selected through random sampling techniques. Data collection was carried out using an online questionnaire employing a four-point Likert scale, and the data were analyzed through various statistical tests including validity and reliability assessments, classical assumption tests, Pearson correlation, simple linear regression, and determination coefficient using SPSS software. The results demonstrate that personal engagement with social media has a significant and positive relationship with students’ personal branding. Students who post consistently, produce high-quality content, and engage positively with audiences tend to project a stronger professional persona. Overall, the findings indicate that social media serves not only as a means of communication but also as an essential medium for developing one’s reputation and professional credibility in the digital age.  

This research aims to identify both the partial and simultaneous positive and significant effects of e-service quality, e-trust, and brand image on the customer loyalty of Byond by BSI users in Balikpapan City. The study adopts a quantitative correlational method. A total of 100 respondents were selected using a purposive sampling technique. Data were collected through online questionnaires distributed via a Google Form link. The analytical procedures utilized include correlational analysis, instrument tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing using IBM SPSS Statistics version 24. The results of the study indicate that, partially, e-service quality and e-trust variables each have a positive and significant effect on customer loyalty among users of the Byond by BSI application in Balikpapan City. Meanwhile, brand image variable has a positive but not significant effect on customer loyalty among users of the Byond by BSI application in Balikpapan City. Furthermore, when examined simultaneously, the three variables collectively show a positive and significant effect on customer loyalty of Byond by BSI applications users in Balikpapan City.

This study examines junior high school students’ digital morality (digital akhlak) through an analysis of Islamic Education (PAI) textbooks, focusing on the prevention of ghibah, slander/misinformation, and hate speech. The study is grounded in the growing intensity of adolescents’ online interactions, which heightens ethical risks such as online backbiting, the spread of unverified information (hoax), and degrading expressions that may harm social cohesion. The study aims to describe how the textbook represents values and prohibitions related to these issues, to analyze instructional presentation (narratives, religious evidence, learning activities, and assessments), and to assess the alignment of textbook content with a digital morality framework that contextualizes Islamic moral values for online environments. Using a library research design and content analysis of the PAI textbook as the primary document, the discussion is strengthened by recent Indonesian journal literature on digital literacy, Islamic communication ethics, and moral education for digital natives. The findings indicate that the textbook provides a strong basis for preventing ghibah through clear definitions, scriptural reinforcement, and affective messages about safeguarding others’ dignity; it addresses slander/misinformation primarily through operational tabayyun skills, including source and content verification and contextual checking; meanwhile, the prevention of hate speech is present implicitly through prohibitions against insulting, mocking, and prejudging, yet requires more explicit enrichment via contextual cases and ethical response strategies for students as bystanders. Overall, the textbook has substantial potential to foster students’ digital morality when supported by consistent classroom habituation and contextual pedagogy.  

The development of information technology has significantly transformed commercial activities, particularly through the emergence of electronic transactions or e-commerce. The convenience offered by digital trading systems provides various benefits for both consumers and business actors, such as time efficiency, ease of access, and broader market reach. However, behind these advantages, there are also several risks that may harm consumers, including discrepancies between product descriptions and actual goods, delivery delays, and potential online fraud. This study aims to analyze the legal protection for consumers in electronic transactions and the responsibilities of business actors within digital commerce systems. This research employs a normative legal research method using statutory and conceptual approaches. The findings indicate that consumer legal protection in electronic transactions has been regulated in various laws and regulations; however, in practice, several challenges remain in its implementation. Therefore, strengthening regulations, enhancing supervision of business actors, and increasing public legal awareness are necessary to create a safer electronic transaction system and ensure legal certainty for consumers.

This study aims to describe in detail the implementation of the SMART-TENDIK PAUD innovation as a model for managing educators and educational personnel based on reflection, collaboration, and the use of simple technology, as well as to analyze its impact on improving teacher professionalism in early childhood education settings. This study employs a qualitative approach using a literature review method to explore relevant theories and previous research findings. Data collection techniques include document analysis and systematic online searches from various credible academic sources. Data analysis is conducted through the stages of data reduction, data display, and conclusion drawing to ensure comprehensive and accurate interpretation. The results indicate that the implementation of SMART-TENDIK PAUD enhances teachers’ reflective awareness, strengthens collaboration through active participation in learning communities, and improves the effectiveness of educational personnel management through the practical use of simple and accessible technology. Furthermore, this innovation contributes significantly to improving the quality of learning, making it more creative, adaptive, and innovative. Therefore, SMART-TENDIK PAUD can serve as an alternative model of effective, applicable, and sustainable management innovation in enhancing the professionalism of early childhood education teachers.

This research is motivated by the rise of online sales fraud cases on the island of Bali that are detrimental to consumers, the purpose of this research is to analyze it from the aspect of juridical studies and the basis of judges' decisions in deciding cases, this research uses a normative method with a library approach, the results of the study show that online fraud crimes utilize digital technology to manipulate data, here the defendant uses fake transfer evidence as a tool to deceive the store that meets the elements in Article 378 of the Criminal Code, namely the intention to benefit oneself unlawfully, and Article 35 of the ITE Law concerning manipulation of electronic information with the aim of making the data considered authentic, the basis for the judge's consideration to pass a verdict because the existence of photos of transfer evidence and the victim's account balance is sufficient to convince the judge that the defendant is guilty. Legal protection for victims of online fraud has been regulated in the Consumer Protection Law, the ITE Law and government regulations related to electronic transactions, but to strengthen preventive and systemic efforts, public education and increased capacity of law enforcement officers are needed, With the latest regulations such as Law No. 1 of 2024 concerning the second amendment to the ITE Law, Presidential Decree No. Law No. 49 of 2024 concerning the National Strategy for Consumer Protection and Minister of Trade Regulation No. 17 of 2024 concerning the National Action Plan for Consumer Protection have implications for strengthening legal protection for victims of online fraud, which is expected to provide a sense of security in digital transactions.

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in driving economic growth and providing employment in Indonesia. However, many MSMEs are still utilizing digital technology to leverage social media as a marketing tool and strengthen their branding. This study aims to analyze the use of social media to increase product branding and sales at the Warung Kue HJ. Risna MSME, located in Karang Rejo Village, Balikpapan City. The research method used is a descriptive quantitative approach, with data collection techniques through field observations, direct interviews with MSME owners, and direct mentoring regarding social media use and online store creation. The results of this study indicate that improving social media accounts, creating business locations on Google Maps, and installing business banners with more attractive designs and colors can increase business visibility and understanding of the importance of branding through digital technology, positively impacting market expansion and potentially increasing business sales. This activity is expected to become a model for sustainable digitalization-based MSME mentoring to increase competitiveness in the era of digital transformation.

This study aims to analyze the effect of e-commerce adoption on the sales performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. E- commerce adoption factors are measured through the dimensions of platform usage, technology integration, and digital marketing activities. Sales performance is assessed based on sales growth, market expansion, and increase in customer numbers. The research method uses a quantitative approach by distributing online questionnaires to 250 MSME owners in five major cities (Jakarta, Surabaya, Bandung, Medan, Makassar) who have used at least one e-commerce platform (such as Tokopedia, Shopee, Bukalapak, or a standalone website) for at least one year. Data were analyzed using multiple regression analysis techniques with the help of SPSS 25 software. The results show that e-commerce adoption has a significant positive effect on the sales performance of MSMEs. Specifically, technology integration (such as the use of inventory management and digital payment tools) and digital marketing activities (advertising and promotions on social media) are the most dominant factors. These findings provide practical implications for MSME owners and policymakers to further encourage digitalization by providing training and supporting infrastructure.

This study aims to analyze the influence of influencers and electronic word of mouth  (e-WOM) on the purchase decision of Bika Ambon Ahun in Medan City. The rapid development of social media has transformed how consumers obtain information and make purchasing decisions, making influencers and e-WOM essential components in shaping consumer perceptions and behavior. This research employs an associative quantitative method with data collected through questionnaires distributed to consumers who were familiar with the product through social media. The data were analyzed using partial (t-test) and simultaneous (F-test) analyses to examine the strength of the relationship between the independent variables and the purchase decision. The findings indicate that influencers have a positive and significant effect on purchase decisions, as consumers perceive influencer review content to be credible, engaging, and persuasive. Likewise, e-WOM demonstrates a positive and significant influence, supported by consumer trust in online reviews, comments, and recommendations that serve as strong social proof before making a purchase. Simultaneously, both influencers and e-WOM contribute 68.4% to the variation in purchase decisions, while the remaining 31.6% is influenced by other external factors. These results emphasize that the combined influence of influencers and e-WOM generates a synergistic effect that strengthens consumer interest, trust, and confidence in purchasing local products such as Bika Ambon Ahun. The study implies the importance for businesses to optimize digital marketing strategies by collaborating with credible influencers and encouraging positive online reviews as a means to reinforce consumer purchase decisions.  

The rapid development of information technology has transformed the way financial institutions deliver services, including credit unions. To improve service quality and accessibility for its members, KSP Credit Union Bahtera Sejahtera introduced a digital platform through the ESCETE application, which enables members to conduct loan and payment transactions online. This study aims to analyze the needs and members’ interest in using the online loan and payment platform provided by the ESCETE application at KSP Credit Union Bahtera Sejahtera, Kewapante Service Office. The findings reveal that the ESCETE application significantly facilitates members in conducting financial transactions without visiting the service office. The platform also improves employees’ work efficiency and accelerates service delivery. Members demonstrate a relatively high level of interest in using the application due to its accessibility and time efficiency. However, several challenges remain, including limited digital literacy among some members and unstable internet connectivity. This study concludes that the ESCETE application plays an important role in supporting digital financial services in credit unions. Therefore, continuous socialization and user assistance are necessary to maximize the utilization of the application

The process of extending the International Maritime Dangerous Goods (IMDG) certificate for the Pegasus 3 Barge through SIMKAPEL at the Banten Class I KSOP Office at PT. Pasmaritim Samudera Nusantara, Cilegon Branch. The IMDG Code is intended to protect ship crews and also warn them that their vessels are carrying dangerous goods. An expired International Maritime Dangerous Goods (IMDG) certificate is a crucial step in maintaining a ship's seaworthiness, particularly for vessels transporting dangerous goods. Processing the renewal of an International Maritime Dangerous Goods (IMDG) certificate for a ship is done through the Shipping and Maritime Information System (SIMKAPEL) The Director General of Sea Transportation's system facilitates digital ship certificate renewal services. SIMKAPEL simplifies renewals and saves time and effort by requiring in-person visits to the Banten KSOP office. Service users can access application status anytime and anywhere. The method used in this research was field research namely in the form of direct observation and taking pictures based on the activities of processing ship certificate extensions through SIMKAPEL as well as library research, namely through books in the POLTEK AMI Medan library as well as online books, websites and journals related to the research object.

In the rapidly evolving digital economy, the ability to anticipate transaction surges is a strategic asset for marketplace platforms to maintain operational efficiency. This research aims to build an accurate daily transaction volume forecasting system thru the implementation of an Extract, Transform, and Load (ETL) pipeline and Autoregressive Integrated Moving Average (ARIMA) predictive modeling. The dataset used is sourced from dataset_olshop.csv, which includes transaction history for the entire year of 2025. The ETL stage focused on data cleaning and handling missing values, while time series analysis began with the Augmented Dickey-Fuller (ADF) stationarity test, which yielded a significant p-value of 0.000006. The parameter model was optimized using the auto_arima algorithm, which determined the ARIMA(2,0,0) configuration as the best model. The evaluation results of the model show fairly stable performance with a Root Mean Squared Error (RMSE) value of 2.002 and a Mean Absolute Error (MAE) of 1.704 on the test data. Research findings reveal a consistently higher purchasing pattern during the mid-month and end-of-month periods, with an average of 5.52 daily transactions, compared to the beginning of the month, which saw 5.48 transactions. The 30-day forecast results provide valuable insights for online store managers to proactively adjust inventory and logistics workforce allocation strategies. This research concludes that integrating data engineering techniques and statistical analysis can provide predictive solutions for the dynamics of the digital market.

The Old Age Security (JHT) program is a form of employment social protection that aims to ensure the continuity of workers’ welfare after they are no longer productive. The high volume of JHT claims, particularly for wage earners, requires an effective service process and system. This study aimed to analyze the effectiveness of the process and system for submitting JHT claims for wage earners at BPJS Ketenagakerjaan Sikka Maumere Branch, as well as to identify obstacles and improvement efforts undertaken. The research method used was descriptive qualitative, with data collection techniques through observation, documentation, and interviews during the internship period. The results of the study show that the JHT claim submission process has followed the applicable standard operating procedures (SOP), both through online services (Lapak Asik and the Jamsostek Mobile (JMO) application) and offline services. However, the effectiveness of the system still faces various obstacles, including discrepancies in participant data, limited digital literacy among participants, and technical constraints in the online system. Improvement efforts have been carried out through increased socialization, participant assistance, and optimization of digital systems. This study concludes that the effectiveness of the JHT claim process and system at BPJS Ketenagakerjaan Sikka Maumere Branch is fairly effective, but still requires continuous improvement to enhance service quality and participant satisfaction.

This study was conducted due to the increasing dependence of consumers on digital information, such as customer reviews and product ratings, in making purchasing decisions on e-commerce platforms, particularly Shopee. Reviews and ratings are considered indicators of trust that can reduce buyer uncertainty, especially among students who actively shop online. However, the prevalence of invalid reviews and inaccurate product information raises doubts in the decision-making process. Therefore, this study aimed to determine the description of customer reviews, product ratings, and purchase interest, as well as to analyze the partial and simultaneous effects of customer reviews and product ratings on the purchase interest of students at the Faculty of Economics and Business, Nusa Nipa University, Maumere. This study used a quantitative method with an associative approach that aimed to test the causal relationship between the variables of customer reviews (X1), product ratings (X2), and purchase interest (Y). Data were collected through a survey using a Likert scale questionnaire distributed to 94 students selected using the Slovin formula from a total population of 1,473 students of the Faculty of Economics and Business. The data sources consisted of primary data in the form of questionnaire results and secondary data in the form of literature, journals, and supporting documents. The results of the study based on descriptive analysis showed that Customer Reviews, Product Ratings, and Purchase Interest are in the “Good” category. The t-test results showed that, partially, customer reviews (X1) had a significant effect on purchase interest, as indicated by a t-count of Product ratings (X2) were also proven to have a significant effect on purchase interest with a t-value of Simultaneously, both variables contributed 44.1% to purchase interest, while the remaining 55.9% was influenced by other factors outside the scope of this study. The study concludes that reviews and ratings are important sources of information that shape consumer confidence before purchasing. Recommendations include the need for platforms to display verified reviews, improve the quality of rating information, and provide incentives for users who give honest reviews to increase the credibility of information for young consumers.