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All Journal DEVELOPMENT : Journal of Community Engagement Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Nurul Fajriah Yahya
Universitas Patompo
Economics, Econometrics & Finance Social Sciences

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DARI PENGALAMAN MENJADI LITERASI: PENGUATAN LITERASI MENULIS DAN BERBICARA PADA SISWA SMP NEGERI 4 TAKALAR Riana Multhazam; Nurul Fajriah Yahya; Khaerati; Andi Nur Veryani; Hamran
DEVELOPMENT: Journal of Community Engagement Vol. 5 No. 2 (2026): Juni
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/rqyq1p82

Abstract

This study aims to describe the implementation of experiential learning in strengthening students' writing and speaking literacy at SMP Negeri 4 Takalar. The research employed a qualitative descriptive approach involving 32 eighth-grade students as participants. Data were collected through classroom observations, interviews, documentation, and assessment of students' literacy products. The learning process was designed by encouraging students to transform their personal experiences into written narratives and oral presentations. Data were analyzed through data reduction, data display, and conclusion drawing. The findings indicate that experience-based literacy activities significantly improved students' confidence, vocabulary mastery, idea organization, and communication skills. Students demonstrated greater motivation to write because the topics originated from their own experiences, making the writing process more meaningful and authentic. Furthermore, speaking activities based on students' written narratives enhanced fluency, confidence, and interaction during classroom discussions. The integration of writing and speaking literacy through experiential learning also fostered critical thinking, creativity, and reflective abilities. The study concludes that utilizing students' personal experiences as learning resources provides an effective strategy for strengthening literacy competencies and creating an engaging learning environment in junior secondary education.  
Literasi Keuangan Digital, Perilaku Konsumtif, Dan Risiko Overborrowing Pada Generasi Z di Era Paylater Riana Multhazam; Nurul Fajriah Yahya; Muhammad Qadafi Zulkarnain
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 6 No. 1 (2026): MARET : Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v6i1.1916

Abstract

The transformation of the digital financial ecosystem has presented complex challenges for Generation Z in managing personal finances, particularly related to the proliferation of Buy Now Pay Later services. This study analyzes the interconnection between digital financial literacy, consumer behavior, and the risk of overborrowing among 150 Generation Z respondents who are active PayLater users in Makassar City through a quantitative approach with a survey method. The research instrument used a questionnaire compiled with a Likert scale, analyzed using multiple regression. The results show that the level of digital financial literacy of respondents is in the moderate category, while consumer behavior shows a high level. Regression analysis reveals that consumer behavior has a significant positive effect on the risk of overborrowing, while digital financial literacy does not show a significant protective effect. The findings indicate that 58.7 percent of respondents allocate more than 30 percent of their income to installments, with 40.7 percent having active loans on 3-4 platforms simultaneously. This study recommends strengthening holistic financial education that integrates cognitive and behavioral aspects, as well as the implementation of integrated credit scoring regulations to mitigate the systemic risk of overborrowing.
Co-Authors Andi Nur Veryani Hamran Hamran Khaerati Muhammad Qadafi Zulkarnain Riana Multhazam