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All Journal Jurnal Cita Hukum JHP17 (Jurnal Hasil Penelitian) Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT SINERGI: Jurnal Ilmiah Ilmu Manajemen Owner : Riset dan Jurnal Akuntansi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Pendidikan Akuntansi dan Keuangan PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat SULTANIST: Jurnal Manajemen dan Keuangan Diklat Review : Jurnal manajemen pendidikan dan pelatihan Jurnal Ilmu Komputer dan Bisnis JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Ilomata International Journal of Tax and Accounting PINISI Discretion Review Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat J-3P (Jurnal Pembangunan Pemberdayaan Pemerintahan) Edunomics Journal Jurnal Ilmiah Wahana Pendidikan Jurnal Pengabdian kepada Masyarakat Journal of Economics and Business Letters Jurnal PKM Manajemen Bisnis TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Keizai JWM (JURNAL WAWASAN MANAJEMEN) Jurnal Abdi Masyarakat Humanis SWARNA Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Basic and Applied Accounting Research Journal Indonesian Journal of School Counseling: Theory, Application, and Development Journal Of Informatics And Busisnes Journal of Business Management and Economic Development OMNICODE Journal (Omnicompetence Community Developement Journal) Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Jurnal Riset Ilmiah Indonesian Journal of Community Empowerment International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research International Journal of Management, Accounting & Finance
Sarwani Sarwani, Sarwani
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience 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 Ade Adriani Afrianti, Diah Agus Setiawan ahmad yani Ainani, Muhammad Akbar, Irfan Rizka Akhmad, Bachruddin Ali Alfikri, Rahmatullah Ali Zaenal Abidin AM, E. Nurzaman Amelia, Maidina AMIN, ROSMINI Andry Herawati Anggraeni, RR Dewi Anggraini, Tri W Arsid, Arsid Arum Puspita Sari Asti Wulandari, Nur Atma Hayat Augustinah, fedianty Aulia, Risyda Catio, Mukhlis Chairina Chairina, Chairina Chusnu Syarifa Diah Kusuma Dewi Ariyani Rahman edi edi Enny Hardi Fathul Jannah, Fathul fatimah Fatimah Feriswara, Dian Firmansyah, Andrean Putra fitriaty, Diah Gustian Djuanda H. E. Nurzaman Hadion Wijoyo Handoko, Agus Leo Hasrul, Fauzan Az-zirnikh Ibnu Heru Suprihhadi Hidayati Hidayati Hikmah, Nor Ilham, Dodi Indramarta, Jecky Indriaty Ermayani Isnawati Isnawati Kadir Kadir Kamariyah, Sri Karimah, Nur Nida Kusuma, Febby Permatasari Lestari, Damajanti Sri Lili Safrida Liling Listyawati Listyawati, Liling Listyawati, Liling Livio Agung Dharmesta, Livio Agung Lolita Siregar Mas'adi, Mahnun Maulida Rahmah, Maulida Milasari Milasari Moorcy, Putri Arini Mukhlis Catio Mukrodi, Mukrodi Novita Weningtyas Respati Nugroho, Andy Nunung Nurhasanah Nurmala Sari Pasaribu, Siti Lili Mariyanti Putri, Marchia Azzahrah Rahma Yuliani Rahman, Erni Rano Wijaya Rasidah Rasidah, Rasidah Rezki, Annissa Rifqi Novriyandana Romantika, Rizki Rusilowati, Umi S Siswanto Sadikin, Abdurrahman Samad, Sulaiman Sampurnaningsih, Sri Retnaning Saprudin Saprudin Sayudi, Akhmad Sayuti Sayuti Sekar Rini, Ayu Seseli, Eka Merdekawati Sisca, Yulia Sondakh, Antonius Grivaldi Sosilawati, Maya Sri Astuty Subarto, Subarto Subur, Herjanto Sudaryana, Yayan Suhaili, Achmad Sujarwadi, Rani Sunardi, Nardi Sunarsi, Denok Suprihhadi, Heru Sutikno, Achmad Nur Sutoro, Moh. Syafputra, Rizky Syahrituah Siregar Syaiful Hifni Syavera, Arnesha Febra Taswanda Taryo Taswanda Taryo Wachid, Arif Wahyu Utami, Wahyu Wahyudi Wahyudi WahyuDjati, Dendy Vercelly Warda Warda Wia Rizqi Amalia Wilujeng, Emik Sri Yafi, M Reyhan Zulian, Rifki