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All Journal Communautaire: Journal of Community Service Journal of Educational Management Research
Cliford Racelino Ratulangi
Universitas Baliem Papua
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Empowering the Digital Generation: Enhancing Financial Literacy and Saving Behavior among Youth Cliford Racelino Ratulangi; Lazarus Suyatno Vianney; Raymond Piring; Gabriela Karen Tuuk; Eridawaty Siagian; Mison Towolom; Tiara Tiara
Communautaire: Journal of Community Service Vol. 5 No. 1 (2026)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/communautaire.v5i1.2099

Abstract

This community service program aimed to improve students' digital financial literacy and strengthen saving behavior in the digital era by enhancing their understanding of financial planning, responsible financial management, and the safe use of digital financial services. The program employed a participatory educational approach through counseling sessions, interactive discussions, simulations, and hands-on practice using simple financial applications. The educational materials covered saving concepts, budgeting strategies, digital financial literacy, cybersecurity awareness, and responsible financial decision-making. Program evaluation was conducted using pre- and post-test methods, combined with direct observation, to measure changes in students' knowledge and behavior. The results indicated significant improvements in students' understanding of financial management, awareness of digital transaction security, and ability to utilize simple financial applications responsibly. In addition, students demonstrated stronger motivation to develop saving habits and manage their finances more independently. These findings imply that community-based digital financial literacy education plays an important role in preparing young people to face economic challenges wisely and responsibly in the rapidly evolving digital era.
Driving Customer Loyalty through the Service Marketing Mix (7P): The Mediating Role of Customer Satisfaction Raymond Piring; Cliford Racelino Ratulangi; Lazarus Vianney; Mandianus Buge; Yulianus Logo
Journal of Educational Management Research Vol. 5 No. 5 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i5.2921

Abstract

This study aims to synthesize the existing literature on the role of the Service Marketing Mix (7P) in influencing customer satisfaction and customer loyalty within service industries. A qualitative research design employing a literature review approach was adopted to critically analyze and integrate findings from peer-reviewed journal articles, academic books, and other scholarly publications related to marketing management. The collected literature was systematically examined through data condensation, data display, and conclusion verification to identify conceptual patterns and relationships among the research variables. The findings indicate that all seven dimensions of the Service Marketing Mix—Product, Price, Place, Promotion, People, Process, and Physical Evidence—contribute to customer satisfaction, although their relative influence varies across service contexts. Among these dimensions, People and Process consistently emerge as the most influential factors due to their direct impact on service delivery and customer experience. Furthermore, the review confirms that customer satisfaction functions as a key mediating mechanism linking the implementation of the Service Marketing Mix to customer loyalty. The study contributes to marketing literature by providing an integrated conceptual framework that enhances the theoretical understanding of service marketing and offers practical guidance for designing sustainable customer loyalty strategies.
Co-Authors Eridawaty Siagian Gabriela Karen Tuuk Lazarus Suyatno Vianney Lazarus Vianney Mandianus Buge Mison Towolom Raymond Piring Tiara Tiara Yulianus Logo