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All Journal Al-Khidmah Jurnal Pengabdian Masyarakat Journal of Economics, Entrepreneurship, Management Business and Accounting
Yulian Ade Chandra
Institut Teknologi dan Bisnis Widya Gama Lumajang, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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Education, Environment, and Digital Access to Financial Literacy through Self-Efficacy Aji Prasetyo Suyono; Yulian Ade Chandra; Kartika Ayu Kinanti; Nayla Iftitah Despriana; Lisa Faradianti
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1628

Abstract

Purpose – This study aims to examine the influence of financial education, family environment, and digital access partially on students' financial literacy, by placing financial self-efficacy as a mediating variable. Design/methodology/approach – This study employed a quantitative method with a survey approach through questionnaire distribution. Primary data were collected from the active student population in East Java. The sample was determined using the Lemeshow formula with a purposive sampling technique. Data analysis was conducted in stages using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method through SmartPLS software to test the outer model, inner model, and hypothesis testing via bootstrapping. Finding/Results – The test results show that financial education has a positive and significant direct impact on students' financial literacy. Conversely, the direct influence of family environment and digital access was shown to be insignificant on students' financial literacy. The mediation pathway of financial self-efficacy was found to fail to bridge the influence of financial education, but was found to establish a significant indirect-only relationship of family environment and digital access on financial literacy. Originality/Value – The main novelty of this study lies in the role of family environment and digital access, which were shown to have no direct role, but became very significant when intervened by the psychological mediator factor of financial self-efficacy. The main message of this study is that individual financial mental maturity is an indirect-only mediation prerequisite for successful financial literacy adoption in the digital era.
Ibu Bijak, Keuangan Cermat: Edukasi Pengelolaan Keuangan Keluarga Berbasis Literasi Finansial Kartika Ayu Kinanti; Yulian Ade Chandra; Ayu Nareswari
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): MEI-AGUSTUS
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v5i2.4379

Abstract

Effective household financial management is a key factor in maintaining family well-being. However, many housewives still face challenges in managing their finances due to limited knowledge of budgeting, saving habits, and basic investment concepts. This low level of financial literacy can increase the risk of household economic instability, especially amid continuously changing economic conditions. To address this issue, this community service program was implemented to provide practical and applicable financial literacy education tailored to the needs of housewives. The program was delivered through interactive training sessions, offering participants a better understanding of financial literacy fundamentals, realistic household budgeting techniques, basic saving and investment strategies, and ways to avoid harmful debt practices. Through this training, participants are expected to gain the skills and confidence needed to apply sound financial principles in their daily lives. The expected outcomes of this activity include improved financial literacy among participants, the ability to independently create structured household financial plans, and positive changes in financial behavior that promote responsibility and discipline. Furthermore, the program aims to raise awareness of the importance of financial planning as a foundation for a more stable and prosperous family future.
FunTax Learning: Edukasi Pajak Interaktif Melalui Video Animasi Kartika Ayu Kinanti; Yulian Ade Chandra; Marsuhin Marsuhin
Al-Khidmah Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2026): JANUARI-APRIL
Publisher : Institute for Research and Community Service (LPPM) of the Islamic University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56013/jak.v6i1.5271

Abstract

The FunTax Learning Program: Interactive Tax Education through Animated Videos is a community service initiative aimed at improving tax literacy among students and young people. Low levels of tax understanding are largely caused by the technical nature of tax materials and their limited adaptation to the learning characteristics of the digital generation. This condition highlights the need for more communicative and engaging educational media innovations. The program was implemented through the development of educational animated videos based on visual learning approaches. The activity stages included tax material planning, simple script writing, animated video production by students, and dissemination through social media platforms. This approach was designed to simplify basic tax concepts using clear academic language supported by easily understood visual elements. The results indicate the availability of animated video-based tax education media that can be widely utilized as alternative learning resources. The FunTax Learning Program confirms that integrating digital technology into community service activities is effective in enhancing early tax understanding and awareness, while also contributing to the sustainable strengthening of public tax literacy
Co-Authors Aji Prasetyo Suyono Ayu Nareswari KINANTI, Kartika Ayu Lisa Faradianti Marsuhin Marsuhin Nayla Iftitah Despriana