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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Science Education and Application Journal Jurnal Manajemen Perhotelan dan Pariwisata Teknik: Jurnal Ilmu Teknik dan Informatika Unram Journal of Community Service (UJCS) Jurnal Ilmiah Informatika dan Komputer
YOVITA
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Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Unram Journal of Community Service (UJCS)

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Financial Literacy, Investment, and Digital Financial Information Training at SMAS Garuda Palangka Raya Made Ayu Artharini Koesanto, Stefani; Husnatarina, Fitria; Rahmaddian; Yovita; Rubyasih, Arina; Windyaningrum, Rachmawati
Unram Journal of Community Service Vol. 6 No. 2 (2025): June
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i2.1027

Abstract

Financial Literacy, Investment, and Digital Financial Information Training at SMAS Garuda Palangka Raya. Increasingly complex economic dynamics encourage people to look for additional sources of income outside their main job. Investment has emerged as a popular alternative. However, being successful in investing is highly dependent on an individual's level of financial literacy, investment experience, and risk profile. This community service aims to increase public awareness, especially among students and teachers at SMAS Garuda Palangka Raya, who often use online shopping applications and pay-later payment schemes. The digital transactions habits among students and teachers that are not balanced with basic knowledge about financial management and investment can trigger excessive consumer behavior. With 31 participants from SMAS Garuda Palangka Raya, the team successfully trained and gave information about how to budget, manage income and also invest using a fintech application. The training evaluation concluded that participants had improved their understanding of financial management and investment. The majority of participants also understand the function of an emergency fund and have a sense of how to deal with investments with irrational levels of profit and how to deal with debt. By implementing financial management, investment, and digital financial information literacy training, the training participant will be able to develop more responsible financial behavior and avoid debt traps, and also in order to prevent high-risk financial practices, such as dependence on high-interest loans to meet consumer needs.
Financial Literacy, Investment, and Digital Financial Information Training at SMAS Garuda Palangka Raya Made Ayu Artharini Koesanto, Stefani; Husnatarina, Fitria; Rahmaddian; Yovita; Rubyasih, Arina; Windyaningrum, Rachmawati
Unram Journal of Community Service Vol. 6 No. 2 (2025): June
Publisher : Pascasarjana Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ujcs.v6i2.1027

Abstract

Financial Literacy, Investment, and Digital Financial Information Training at SMAS Garuda Palangka Raya. Increasingly complex economic dynamics encourage people to look for additional sources of income outside their main job. Investment has emerged as a popular alternative. However, being successful in investing is highly dependent on an individual's level of financial literacy, investment experience, and risk profile. This community service aims to increase public awareness, especially among students and teachers at SMAS Garuda Palangka Raya, who often use online shopping applications and pay-later payment schemes. The digital transactions habits among students and teachers that are not balanced with basic knowledge about financial management and investment can trigger excessive consumer behavior. With 31 participants from SMAS Garuda Palangka Raya, the team successfully trained and gave information about how to budget, manage income and also invest using a fintech application. The training evaluation concluded that participants had improved their understanding of financial management and investment. The majority of participants also understand the function of an emergency fund and have a sense of how to deal with investments with irrational levels of profit and how to deal with debt. By implementing financial management, investment, and digital financial information literacy training, the training participant will be able to develop more responsible financial behavior and avoid debt traps, and also in order to prevent high-risk financial practices, such as dependence on high-interest loans to meet consumer needs.
Co-Authors arina rubyasih, arina Ekat Rueh Daya Leluni Emilia Susanti Fransciko Pritama Hazimah, Malahayati Husnatarina, Fitria Jadiaman Parhusip, Jadiaman Khairul Saleh Made Ayu Artharini Koesanto, Stefani Mery Berlian Nadia Adillah Harpizon Pritama, Fransciko Rachmawati Windyaningrum, Rachmawati Rahmaddian Sonia, Gina Susilawati Vebrianto, Rian Yushimita