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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Pemberdayaan Ekonomi dan Masyarakat
Amanda Amanda
Universitas Muhammadiyah Tangerang
Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Environmental Science Social Sciences Other

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Literasi Keuangan Masyarakat: Sosialisasi Bahaya Pinjaman Online Ilegal di RW. 01, Kelurahan Cipondoh Amanda Amanda; Setyasnomo; Betty Purnamasari; Bayu Widhiyanto; Fajar Islamic
Jurnal Pemberdayaan Ekonomi dan Masyarakat Vol. 3 No. 1 (2026): January
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jpem.v3i1.1051

Abstract

Perkembangan teknologi finansial telah memberikan kemudahan akses layanan keuangan bagi masyarakat, namun di sisi lain turut meningkatkan risiko maraknya praktik pinjaman online ilegal. Rendahnya tingkat literasi keuangan menyebabkan masyarakat rentan terjebak dalam pinjaman berbunga tinggi, penagihan tidak etis, serta tekanan psikologis. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan kesadaran warga RW 01 Kelurahan Cipondoh, Kota Tangerang, terhadap bahaya pinjaman online ilegal serta mendorong perilaku keuangan yang lebih bijak. Metode pelaksanaan meliputi penyuluhan, diskusi interaktif, dan simulasi perencanaan keuangan keluarga. Evaluasi dilakukan melalui pre-test dan post-test untuk mengukur peningkatan pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan pemahaman yang signifikan, dari 42% sebelum kegiatan menjadi 85% setelah sosialisasi. Temuan ini menunjukkan bahwa edukasi literasi keuangan berbasis komunitas efektif sebagai strategi preventif dalam menekan praktik pinjaman online ilegal di masyarakat.
The Role of Tiktok-Based Digital Marketing Strategy in Increasing Tour Package Sales at Geopark Ciletuh Barliani Dewi Setyawati; Amanda Amanda
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.11461

Abstract

The shift in tourist behavior from conventional information sources to digital platforms has pushed tourism businesses to adopt social media-based promotion strategies. This study examines the influence of TikTok on tour package sales at Geopark Ciletuh Sukabumi. A quantitative case study approach was employed with 120 respondents selected through purposive sampling. Data collection utilized questionnaires, interviews, and sales documentation. Validity and reliability tests were conducted before analyzing data using descriptive statistics and simple linear regression. The results show that TikTok has a positive and significant effect on purchase decisions with a significance value of 0.000 < 0.05 and a determination coefficient of 61.3%, indicating that TikTok contributes substantially to explaining consumer purchasing behavior. Tour package sales increased by 47% after the implementation of TikTok promotional strategies, demonstrating tangible business impact. The platform's visual and interactive nature enables destinations to showcase their attractions more engagingly, building consumer trust and interest through authentic user-generated content. Furthermore, TikTok's algorithm effectively targets relevant audiences, increasing content reach and engagement rates compared to traditional promotional methods. These findings confirm that TikTok serves as an effective digital marketing tool for tourism promotion, particularly in enhancing destination visibility and driving consumer purchasing decisions. This research provides practical implications for tourism stakeholders in developing cost-effective digital marketing strategies to adapt to evolving consumer preferences in the digital era.
Co-Authors Barliani Dewi Setyawati Bayu Widhiyanto Betty Purnamasari Fajar Islamic Setyasnomo