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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Nurul Mukhlisah
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Humanities Education Languange, Linguistic, Communication & Media Mathematics Other

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Keuangan Berbasis Digital dan Fintech: Penelitian Takdirmin; Nurul Mukhlisah; Suratmi Dahlan; St. Nurasiah
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.1642

Abstract

The low level of financial inclusion in Indonesia, which is not comparable to the financial literacy of the community, is a major problem in the context of the digital transformation of the financial sector. This study aims to analyze the role of Financial Technology (Fintech) in expanding financial access, identifying its positive and negative impacts on society, and evaluating the effectiveness of the regulatory and educational approaches applied. This study uses a descriptive qualitative method with data collection techniques through literature studies, documentation, and indirect observation of Fintech usage trends. The results of the study show that the most widely used Fintech services are digital wallets (85%), followed by online loans (60%) and digital investment (40%), while insurtech and crowdfunding are still low in use. Although Fintech has increased financial access, weak literacy and supervision raise the risk of misuse and digital insecurity. In conclusion, the development of inclusive, safe, and sustainable Fintech requires synergy between technological innovation, consumer protection, and increasing public financial literacy.
Gerakan Literasi Budaya di Masyarakat : Penelitian Muhammad Nawir; Fifi Arfiani; Nurul Mukhlisah; Nurul Amadyah
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.661

Abstract

Cultural and civic literacy play a crucial role in shaping national character, strengthening national identity, and maintaining harmony within a diverse society. In today's era of globalization, local cultures are increasingly marginalized by the influence of foreign cultures, especially among younger generations. This paper explores the importance of cultural literacy in society, its roles and impacts on social life, and strategies to enhance it. Through a deep understanding of local values, norms, and wisdom, communities are expected to develop greater awareness of the need to preserve national culture. The discussion also highlights the importance of active participation from various societal elements—ranging from families and schools to community groups—in revitalizing cultural values through meaningful activities. Thus, the cultural literacy movement is not only a means of cultural preservation but also serves as a foundation for building an inclusive, tolerant society with a strong sense of national pride
Co-Authors Fifi Arfiani Muhammad Nawir Nurul Amadyah St. Nurasiah Suratmi Dahlan Takdirmin