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All Journal Jurnal Akuntansi & Auditing Indonesia Journal of ICSAR Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis Jurnal Sinergitas PkM & CSR Jurnal Pendidikan Akuntansi dan Keuangan Jurnal Pengabdian Ilung (Inovasi Lahan Basah Unggul) SWARNA JOURNAL OF WETLANDS ENVIRONMENTAL MANAGEMENT Economics, Business, Accounting & Society Review Journal of Applied Accounting Carmin: Journal of Community Service JRUP: JURNAL REFERENSI DAN ULASAN PERPAJAKAN
Enny Hardi
Universitas Lambung Mangkurat
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Meningkatkan Ketahanan Finansial: Peran Literasi Keuangan Digital dalam Mengatasi Risiko Pinjaman Online dan Paylater di Kota Banjarmasin Sondakh, Antonius Grivaldi; Hayat, Atma; Sarwani, Sarwani; Safrida, Lili; Hardi, Enny; Amalia, Wia Rizqi
SWARNA: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2026): SWARNA : Jurnal Pengabdian Kepada Masyarakat, Maret 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/swarna.v5i3.1897

Abstract

The use of digital financial technologies, such as online lending platforms and paylater payment schemes, has significantly increased among the public, including residents of Banjarmasin City, particularly among younger generations such as Millennials and Generation Z. Although these services provide convenient access to financial resources, insufficient digital financial literacy has heightened financial risks, including debt entrapment associated with paylater services and online loans. This community engagement initiative aimed to enhance financial resilience through digital financial literacy education, with a focus on understanding potential risks and promoting prudent use of digital financial services. The program was implemented through a seminar primarily targeting young people in Banjarmasin City. The materials covered fundamental concepts of financial literacy, identification of illegal online lending platforms, budgeting simulations, and strategies to prevent dependency on paylater services. The results indicate an improvement in participants’ understanding of the risks associated with digital financial services and their ability to plan personal finances effectively. Furthermore, participants demonstrated a more critical attitude toward online loan offers and the use of paylater schemes. This initiative confirms that digital financial literacy represents a strategic approach to strengthening the financial resilience of young generations in Banjarmasin City.
Co-Authors Achmad Hufad Agus Pratomo Andi Widodo Andi Widodo, Agus Pratomo Atma Hayat Chairina, Chairina Darmawati Darmawati Dwianto Mukhtar Latiif Fadhlina, Fadhlina Fathul Jannah, Fathul Junus, Amiruddin Lili Safrida Limarjan, Sustinah Miliya, Hisni Muhammad Yasin Nada Okta Anugrah Nordiansyah, Muhammad Nur Astri Sari Rahma Yuliani Rahman, Ridha Banu Rasidah Rasidah, Rasidah Rawintan Endas Binti Rifqi Novriyandana Rijal, Muhammad Sadat Amrul S Safitri, Adinda Sarwani Sarwani, Sarwani Sondakh, Antonius Grivaldi Sunardi Sunardi Susilowati, Pusvita Indria Mei Sustinah Limarjani Thaibah, Hayatun Thaibah, Hayatun Wahyudin Nur Wia Rizqi Amalia Widodo, Agus Pratomo Andi