<![CDATA[The development of financial technology (fintech) has provided easy access to financial services, but on the other hand, it has also led to an increase in illegal online lending practices that are detrimental to the community. This situation is exacerbated by low levels of financial and digital literacy, especially in rural areas such as Sungai Teras Dalam Village. Many people do not understand the difference between legal and illegal online loans, interest and penalty mechanisms, and the long-term impact of pinjol on the economic, social, and psychological conditions of families. This Community Service Program (KKN) aims to improve the financial literacy of rural communities through socialization and education about online loans, the dangers of illegal pinjol, and the role of the Financial Services Authority (OJK) in consumer protection. The methods used in this program include direct counseling, interactive discussions, and the presentation of case-based materials relevant to the conditions of the local community. The results of the activity showed an increase in the community's understanding of the risks of illegal online loans, the importance of checking the legality of loan platforms, and awareness of managing finances more wisely and responsibly. In addition, this activity also encouraged the community to take a preventive attitude towards online loan offers that are unclear and potentially harmful. Thus, financial literacy is integrated with digital literacy throught.]]>
