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Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation.

This research is motivated by the rapid development of technology in the current era of digitalization, one of which is a gadget that is very common in use in Krandegan Village, Gandusari District, Trenggalek Regency, especially by teenagers who almost always carry their gadgets anywhere. The objectives of this study are 1) Knowing how the social behavior of teenagers due to the use of gadgets in Krandegan Village, Gandusari District, Trenggalek Regency, 2) Knowing how the impact of gadget use on teenagers in Krandegan Village, Gandusari District, Trenggalek Regency. This research uses a descriptive qualitative approach. The data collection techniques used were observation, interview, and documentation. Observation is used to observe the use of gadgets by teenagers in Krandegan Village, Gandusari District, Trenggalek Regency, interviews and documentation are used to dig up information about the problem under study. The results showed that: the use of gadgets in the current era is unavoidable and users must be more able to control their use. However, a technology will always have an impact on its users, both positive and negative impacts. Likewise for teenagers where the use of gadgets has an impact on the social behavior they show everyday, there are several changes in social behavior that appear such as reduced intensity of direct interaction with the environment, too fixated on gadgets when interacting directly with the community, being more closed, the emergence of laziness so that they often forget time, procrastinate work, the level of teenage participation in social activities also decreases.The use of gadgets also has several positive impacts and negative impacts on teenagers such as facilitating communication, accelerating the dissemination of information, as a means of entertainment, facilitating the learning and learning process, expanding the network of friends, making it easier to find work, making it easier for teenagers to shop with e-commerce. While the negative impact is that the intensity of direct interaction is reduced, too fixated with their gadgets, making teenagers more closed, teenagers often procrastinate work and neglect their obligations and responsibilities in the real world, making teenagers lazy in learning, decreasing their sense of concern and empathy for the surrounding environment, reducing the level of youth participation in social activities, the spread of hoax news is increasing, impacting on health and patterns, affecting the family economy and vulnerable to fraud.

Agreement is a legal relationship between two or more parties based on an agreement to give rise to legal consequences of rights and obligations for both parties. Cancellation of the agreement can only be done if it is known that there was an oversight, fraud, or coercion from one of the parties when making the agreement. Oversight, fraud, or coercion are reasons that can cancel the agreement. This study aims to analyze the legal consequences of the cancellation of the cooperation agreement according to the Civil Code (KUH Perdata) and the legal remedies that can be taken by the parties as a result of the cancellation of the cooperation agreement. This type of research is normative legal research using a statutory approach. The results of the study show that the legal consequence of canceling the cooperation agreement is returning to its original position as it was before the agreement occurred. Meanwhile, the legal remedy resulting from the cancellation of the cooperation agreement is actively asking for the cancellation of the agreement which does not fulfill its subjective requirements in court or passively waiting for the opposing party to submit an annulment in court.