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All Journal International Research Journal of Business Studies (E-Journal) Jurnal Fokus Manajemen Bisnis Jurnal Manajemen Abdi Jurnal Publikasi Benefit : Journal of Bussiness, Economics, and Finance Jurnal Pengabdian Masyarakat Bangsa Journal of Innovative and Creativity Jurnal Pengabdian Masyarakat International Research Journal of Business Studies Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Pengabdian kepada Masyarakat
Lita Ningrum Afriani
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Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Peran Literasi Digital dalam Memoderasi Pengaruh Literasi Keuangan terhadap Perilaku Penggunaan Financial Technology pada Mahasiswa Rofi Puspitaningtias; Lita Ningrum Afriani
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.6968

Abstract

Perkembangan financial technology (fintech) telah mendorong perubahan signifikan dalam perilaku pengelolaan keuangan mahasiswa. Penggunaan fintech yang efektif tidak hanya bergantung pada kemudahan teknologi, tetapi juga dipengaruhi oleh literasi keuangan dan literasi digital. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan literasi digital terhadap perilaku penggunaan financial technology pada mahasiswa, serta menguji peran literasi digital sebagai variabel moderasi dalam hubungan tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap mahasiswa aktif Politeknik Madyathika yang telah menggunakan layanan fintech. Data dikumpulkan melalui kuesioner berskala Likert dan dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku penggunaan financial technology. Literasi digital juga memiliki pengaruh positif dan signifikan, dengan tingkat pengaruh yang lebih kuat dibandingkan literasi keuangan. Namun demikian, literasi digital tidak terbukti memoderasi hubungan antara literasi keuangan dan perilaku penggunaan fintech. Temuan ini menunjukkan bahwa literasi keuangan dan literasi digital berperan secara langsung dalam mendorong penggunaan fintech pada mahasiswa. Penelitian ini memberikan implikasi penting bagi pengembangan program edukasi keuangan dan digital guna mendukung penggunaan fintech yang lebih bijak dan bertanggung jawab.
PELATIHAN STRATEGI PENENTUAN TARGET PASAR DAN BRANDING PRODUK DIGITAL BAGI DINKOMINFO PURBALINGGA Rofi Puspitaningtias; Lita Ningrum Afriani; Libran Filani; Endah Ika Hastuti
Abdi Jurnal Publikasi Vol. 4 No. 3 (2026): Januari
Publisher : Abdi Jurnal Publikasi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Digital transformation requires local governments to deliver public information effectively, precisely, and with a strong identity. The Purbalingga Regency Communications and Informatics Office (Dinkominfo) plays a strategic role in managing public communications through various digital products. However, the challenges faced include suboptimal target market (audience) determination and branding strategies for government digital products, resulting in low information delivery effectiveness and public engagement. This Community Service (PKM) activity aims to improve the understanding and capabilities of Dinkominfo officials in determining target audiences and building branding for local government digital products. The method used was community education with a participatory approach, implemented through interactive lectures, discussions, and simple simulations based on real-world problems. The results of the activity showed an increase in participants' understanding of the concept of audience segmentation and the basic principles of digital product branding, both quantitatively and qualitatively. Participants also demonstrated active participation and were able to formulate initial strategies contextualized to their work conditions. This activity demonstrates the effectiveness of community education with a participatory approach in increasing the capacity of local government officials. This PKM activity is expected to support more strategic public communications management and strengthen the image of local government in the digital era.
Co-Authors Anggara Setya Saputra Arrizka, Davrina Fatkha Asri Sekar Mawar Firdausi Auliansyah, Amanda Devit Bagus Indranika Endah Ika Hastuti Hapsari, Winda Hendro Setyono Hendro Setyono Iin Piani Kusumaningtias, Eka Libran Filani Mawar Firdausi, Asri Sekar Rahma, Resita Septia Resita Septia Rahma Rofi Puspitaningtias Rofi Puspitaningtias Rofik Priyanto Sofyan, Is’wara Suryoto, Suryoto