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All Journal Jurnal Manajemen Pendidikan Jurnal Pemberdayaan Masyarakat
Destri Yaldi
Universitas Jambi, Indonesia
Education Social Sciences

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From Literacy to Inclusion: The Role of Financial Consultants in Improving Financial Accessibility and Well-being Romi Kurniadi; Dwi Rayana Siregar; Sri Wahyuni; Sudawan Supriadi; Fadilla Ulfah; Destri Yaldi
Jurnal Pemberdayaan Masyarakat Vol 4, No 2 (2025)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v4i2.369

Abstract

Financial literacy is critical to enhancing the financial well-being of individuals and families, yet a strong understanding alone does not guarantee effective financial decision-making. Financial consultants are key in bridging the gap between knowledge and action. This study analyzes recent trends in financial consultant services and financial literacy using a PRISMA-based systematic review method. Data were gathered from multiple scholarly databases and analyzed through bibliometric techniques to identify publication patterns and keyword relationships. Results reveal that individuals with high financial literacy are more likely to seek professional advice, while those with low literacy levels remain hesitant. Financial technologies such as robo-advisors have emerged as complementary tools but have not replaced human advisors. The study concludes that strengthening regulations, expanding access to financial consulting for lower-middle-income groups, and integrating technology are essential strategies. This research contributes to the scientific field by highlighting the interplay between financial literacy, advisory services, and technology, offering a pathway to more inclusive financial well-being.
PENGARUH INTENSISTAS PENGGUNAAN APLIKASI TIKTOK TERHADAP INTERAKSI SOSIAL DENGAN KESEJAHTERAAN DIGITAL SEBAGAI VARIABEL MEDIASI DI ERA TEKNOLOGI 5.0 MAHASISWA PENDIDIKAN EKONOMI ANGKATAN 2022-2023 Imelia Imelia; Muazza Muazza; Destri Yaldi
Jurnal Manajemen Pendidikan Vol. 11 No. 3 (2026): Regular Issue (In Progress)
Publisher : STKIP Pesisir Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34125/jmp.v11i3.3057

Abstract

Objective: This study aims to analyze the influence of TikTok usage intensity on students' social interaction, with digital well-being serving as a mediating variable, among Economic Education students (classes of 2022–2023) at the University of Jambi within the context of the Technology 5.0 era. A quantitative approach utilizing a survey method was employed. The sample consisted of 141 students selected via proportionate stratified random sampling. Data were collected using a five-point Likert scale questionnaire. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 3 software to examine the direct and indirect effects between the research variables.The results indicate that TikTok usage intensity has a positive and significant effect on social interaction (t = 3.728; p = 0.000) and on digital well-being (t = 9.362; p = 0.000). Digital well-being also exerts a positive and significant influence on social interaction (t = 6.867; p = 0.000). Furthermore, digital well-being was found to partially mediate the effect of TikTok usage intensity on social interaction (t = 5.440; p = 0.000).The novelty of this study lies in the integration of digital well-being as a mediating variable that explains the mechanism underlying the relationship between TikTok usage intensity and students' social interaction. This study also offers an empirical contribution regarding student digital behavior in the Technology 5.0 era, assessing not only the direct impact of social media but also the digital psychosocial mechanisms influencing social interaction.
Co-Authors Dwi Rayana Siregar Fadilla Ulfah Imelia Imelia Muazza Muazza Romi Kurniadi Sri Wahyuni Sudawan Supriadi