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All Journal Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Escalate : Economics and Business Journal
Deanissa Setya Ananda
Universitas Sarjanawiyata Tamansiswa
Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Financial LiteracyAnd Leverage With Adoption of Financial Technology As a Moderating Influence on Financial Well-being Deanissa Setya Ananda; Alfiatul Maulida; Pristin Prima Sari
Escalate : Economics and Business Journal Vol. 4 No. 3 (2026): Escalate : Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i3.549

Abstract

This research is motivated by the gap between high digital financial inclusion and low financial literacy among urban communities, which triggers an increased risk of default due to debt burden (leverage). This study aims to analyze the influence of financial literacy and leverage on the financial well-being of urban communities in Yogyakarta, as well as to examine the moderating role of financial technology adoption. The research method used a quantitative explanatory approach through the distribution of structured questionnaires to 100 respondents who actively use fintech in Yogyakarta, which were then analyzed using Partial Least Squares - Structural Equation Modeling (PLS-SEM). The main findings indicate that financial literacy has a positive and significant effect on financial well-being, while leverage has a negative and significant effect. Furthermore, the adoption of financial technology has been shown to strengthen the positive influence of financial literacy on financial well-being, but lacks the moderating capability to reduce the negative impact of leverage. In conclusion, financial well-being is determined by wise cognitive fund management skills, not simply technology adoption. The implication is that urban communities must be disciplined in controlling consumptive digital debt, while regulators such as the Financial Services Authority (OJK) and Bank Indonesia need to tighten regulations on fintech platforms and expand digital literacy education in a targeted manner
Socialization and Digital Marketing Assistance to Micro, Small and Medium Enterprises (MSMEs) Squid Goyang By Applying Tamansiswa Teachings "TRI N (Niteni, Nirokke, Nambahi)" Aleandra Rizki Berlian; Deanissa Setya Ananda; Nyoman Rayya Rayona; Martinus Andika Asy; Enzo Sungsang Saputro; Sabina Sandriani Utami; Nala Tri Kusuma
AURELIA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Vol. 4 No. 1 (2025): January 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/aurelia.v4i1.4323

Abstract

Students of the Management Study Programme, Faculty of Economics, Sarjanawiyata Tamansiswa University (UST) held a community service activity with Micro, Small and Medium Enterprises (MSMEs) partner ‘Cumi Bergoyang’ located in the Alun-alun Kidul area of Yogyakarta. This activity aims to apply digital marketing to Cumi Bergoyang MSMEs in accordance with being able to compete with other businesses and reach a wider market share, this counseling and mentoring activity also applies the Tamansiswa Teachings, namely Tri N (Niteni, Nirokke, Nambahi) in helping MSMEs understand and implement digital marketing concepts. The method used in this abdimas activity is Participatory Learning and Action (PLA), which is given in accordance with the conditions of the partners and the needs of the problems faced by the abdimas partners, then the abdimas team provides solutions in the form of training programmes that involve hands-on practice using social media platforms Instagram and Tiktok as a means of promotion used in business activities. The implication of this abdimas activity is that MSME partners ‘Cumi Bergoyang’ can increase revenue turnover and maximise promotional reach in an increasingly competitive digital era.
Co-Authors Aleandra Rizki Berlian Alfiatul Maulida Enzo Sungsang Saputro Martinus Andika Asy Nala Tri Kusuma Nyoman Rayya Rayona Pristin Prima Sari Sabina Sandriani Utami