Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Jurnal Terobosan Peduli Masyarakat (TIRAKAT)
Adrian Polim
Universitas Muhammadiyah Luwuk
Religion Humanities Economics, Econometrics & Finance Education Health Professions

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The Role of Financial Literacy and Household Economic Resilience in Community Service Programs in the Era of Global Uncertainty Irwan Moridu; Adrian Polim; Nurcahya Hartaty Posumah; Debiyanti Kune; Fitriani
Tirakat: Jurnal Terobosan Peduli Masyarakat Vol 2 No 4 (2025): December 2025
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/j.tirakat.v2i4.339

Abstract

Global uncertainty characterized by economic fluctuations, inflation, and technological disruptions has encouraged households to develop adaptive capabilities in managing their finances. This study aims to analyze the role of financial literacy in strengthening household economic resilience through community service programs while explicitly enriching references related to community engagement within this context. The method employed is a literature review using a qualitative approach and descriptive analysis. Data were collected from Google Scholar and various credible websites covering the period from 1977 to 2026. The initial collection process yielded 50 articles, which were then rigorously screened based on relevance, quality, and contribution, resulting in 28 articles selected for further analysis. The findings indicate that financial literacy plays a significant role in shaping more structured financial behavior, improving risk management capabilities, and strengthening household economic stability. Community service programs have proven effective in transferring practical financial knowledge and skills, leading to improved saving habits, expenditure control, and utilization of formal financial services. Case studies demonstrate increases in financial literacy, financial inclusion, and changes in community economic behavior after participation in educational programs.
The Role of Digital Payment in Promoting MSME Financial Inclusion: Implications for Innovation-Based Community Service Activities Irwan Moridu; Adrian Polim; Nurcahya Hartaty Posumah; Debiyanti Kune; Fitriani
Tirakat: Jurnal Terobosan Peduli Masyarakat Vol 3 No 1 (2026): January 2026
Publisher : PT. LITERASI SAINS NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61100/j.tirakat.v3i1.340

Abstract

The transformation of digital technology has driven significant changes in payment systems, contributing to the expansion of financial inclusion, particularly for Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of digital payment in promoting MSME financial inclusion and its implications for innovation-based community service activities, while also enriching the literature on community engagement within the digital economy context. The method employed is a literature review using a qualitative approach through descriptive analysis of sources obtained from Google Scholar and various credible websites spanning the period 1964–2026. From an initial pool of 50 identified articles, a rigorous selection process resulted in 34 relevant articles for further analysis. The findings indicate that digital payment plays a significant role in enhancing MSMEs’ access to formal financial services, strengthening transaction transparency, and supporting the creation of financial track records that contribute to improved access to financing. The discussion also reveals that successful technology adoption is influenced by factors such as digital literacy, infrastructure availability, and trust in the system. Innovation-based community service activities play a strategic role in bridging these gaps through contextual education, training, and mentoring.
Co-Authors Debiyanti Kune Fitriani Irwan Moridu Posumah, Nurcahya Hartaty