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All Journal International Journal of Entrepreneurship, Business, and Creative Economy Aksi Kita: Jurnal Pengabdian Kepada Masyarakat
Ashri Putri Rahadi
Telkom University
Humanities Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Peningkatan Literasi dan Kesadaran Etika Penggunaan Artificial Intelligence untuk Memperkuat Integritas Akademik Siswa Ashri Putri Rahadi; Uruqul Nadhif Dzakiy; Faqih Ahmad Muzakky
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 3 (2026): MEI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/j436w516

Abstract

Kehadiran Generative Artificial Intelligence (AI) seperti ChatGPT telah mengubah lanskap pendidikan secara drastis, menawarkan efisiensi tinggi namun sekaligus membawa risiko etika yang serius. Program pengabdian masyarakat ini bertujuan untuk meningkatkan literasi digital dan kesadaran etika penggunaan AI pada siswa di Darul Hikam Integrated School, Bandung. Masalah utama yang diidentifikasi adalah potensi penggunaan AI sebagai "jalan pintas" yang merusak proses berpikir kritis dan integritas akademik. Kegiatan yang dilaksanakan pada 10 Juni 2026 ini melibatkan lebih dari 50 siswa SMP dan SMA. Metode pelaksanaan menggunakan pendekatan active learning melalui pemaparan materi interaktif dan diskusi kelompok berbasis studi kasus etika. Materi edukasi disusun berdasarkan prinsip-prinsip global dari UNESCO dan OECD serta literatur terkini mengenai penggunaan LLM dalam pendidikan. Hasil kegiatan menunjukkan bahwa siswa mampu mengidentifikasi batasan etis penggunaan AI, memahami pentingnya verifikasi informasi untuk menghindari "halusinasi" AI, serta berkomitmen menjaga integritas akademik dengan memposisikan AI sebagai asisten kognitif, bukan pengganti otoritas berpikir manusia.
Bridging the Integration Deficit: Developing an Integrated Psychosocial-Financial Health Model for Buy Now, Pay Later Adoption Ashri Putri Rahadi
International Journal of Entrepreneurship, Business, and Creative Economy Vol. 6 No. 2 (2026): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v6i2.4207

Abstract

The rapid expansion of Buy Now, Pay Later (BNPL) services has transformed digital finance, yet current scholarship remains siloed in its evaluation of consumer behavior. This systematic literature review addresses the "Integration Deficit" by synthesizing evidence across five critical dimensions: saving, budgeting, spending, borrowing, and investing. Adhering to the eight-step framework by Xiao & Watson (2019), a corpus of 31 peer-reviewed articles was analyzed using thematic synthesis. The findings reveal that BNPL adoption is driven by a complex interplay of cognitive biases—such as present bias and price focalism—and psychosocial catalysts like Fear of Missing Out (FoMO), which frequently override rational financial self-regulation. Crucially, this review moves beyond descriptive summaries to propose an Integrated Psychosocial-Financial Health Model. This framework operationalizes internal psychological states into quantifiable digital proxies, including repayment frequency and browsing diversity, to enhance creditworthiness assessments for "credit-invisible" young adults. The results highlight that digital financial literacy serves as a vital firebreak against unsustainable debt stacking and financial fragility. This study contributes actionable insights for fintech providers and regulators to foster ethical lending and sustainable financial well-being in an increasingly volatile digital economy.
Co-Authors Faqih Ahmad Muzakky Uruqul Nadhif Dzakiy