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All Journal Journal of Auditing, Finance, and Forensic Accounting ILTIZAM Journal of Sharia Economic Research Asia Pacific Fraud Journal Jurnal Riset Terapan Akuntansi Ekomaks : Jurnal Ilmu Ekonomi, Manajemen, dan Akuntansi Management and Accounting Expose PAKDEMAS : Jurnal Pengabdian Kepada Masyarakat Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Jurnal Riset Akuntansi dan Bisnis Indonesia Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital Journal of Artificial Intelligence and Digital Business Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Riset Manajemen Jurnal Riset Ekonomi dan Akuntansi Journal of Business Management and Economic Development Tasyri' Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Faedah: Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia JURNAL RUANG HUKUM Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi IJMA INCOME : Jurnal Akuntansi dan Keuangan Nusantara Mengabdi kepada Negeri Jurnal Ekualisasi Panggung Kebaikan : Jurnal Pengabdian Sosial An-nisa: Journal of Islamic Family Law Ekopedia: Jurnal Ilmiah Ekonomi Lumbung Ngabdi: Jurnal Pengabdian Masyarakat Journal of Economic and Business Jurnal Pengabdian Inovatif Multidisipliner
Faisol Faisol
Faculty Of Economics And Business, Universitas Nazhatut Thullab Al-Muafa Sampang, Indonesia
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Edukasi Literasi Keuangan Digital bagi Pelajar SMKN 1 Jrengik sebagai Upaya Pencegahan Risiko Keuangan di Era Digital Faisol Faisol; Wahyu Liana
Jurnal Pengabdian Inovatif Multidisipliner Vol. 1 No. 02 (2026): ISSUE APRIL
Publisher : Jurnal Pengabdian Inovatif Multidisipliner

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Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman pelajar SMKN 1 Jrengik mengenai pentingnya literasi keuangan digital dalam kehidupan sehari-hari, khususnya di tengah perkembangan teknologi pada era digital. Pendekatan edukatif dilakukan melalui kegiatan sosialisasi dan penyampaian materi secara sistematis mengenai konsep dasar literasi keuangan, pengenalan layanan keuangan digital. Hasil pengabdian kepada masyarakat ini menunjukkan bahwa edukasi literasi keuangan digital yang dilaksanakan mampu meningkatkan pemahaman dan kesadaran pelajar dalam mengelola keuangan secara bijak di era digital. Hal ini didukung oleh hasil evaluasi pre-test dan post-test yang menunjukkan adanya peningkatan signifikan pada seluruh indikator, yaitu pemahaman literasi keuangan dasar dari 55% menjadi 82%, pengetahuan layanan keuangan digital dari 60% menjadi 85%, serta kesadaran terhadap risiko keuangan digital dari 50% menjadi 80%, dengan rata-rata peningkatan keseluruhan sebesar 27%. Selain itu, melalui metode edukatif yang interaktif, siswa tidak hanya memahami konsep dasar dan manfaat layanan keuangan digital, tetapi juga mampu mengenali risiko serta pentingnya menjaga keamanan data pribadi dan bersikap kritis terhadap informasi keuangan. Dengan demikian, kegiatan edukasi literasi keuangan digital ini diharapkan dapat membentuk perilaku keuangan yang lebih bertanggung jawab pada generasi muda serta membantu mereka dalam memanfaatkan perkembangan teknologi keuangan secara positif dan terhindar dari berbagai risiko keuangan di era digital.
Pengalaman Petani Garam dalam Memanfaatkan Digitalisasi sebagai Strategi Meningkatkan Pendapatan M. Rofik; Faisol Faisol; Ida Elisa
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 1 (2026): Maret: JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i1.3776

Abstract

This study aims to explore and understand the experiences of Madurese salt farmers in utilizing digitalization as a strategy to increase income. The method used in this study is a qualitative method with a phenomenological approach, focusing on the subjective experiences of farmers in dealing with and interpreting the use of digital technology. The results of this study indicate that the understanding and utilization of digitalization among Madurese salt farmers is still in its early stages. Some farmers still view digital technology as a social communication tool, while others are beginning to utilize it for marketing, accessing price information, and making economic decisions. The use of WhatsApp and Facebook helps expand markets, improve bargaining power, and open up opportunities for increasing income, although it has not been implemented consistently and in a structured manner. However, the benefits of digitalization have not been felt evenly due to differences in digital literacy, age, experience, and limited internet network infrastructure. These findings are expected to provide a basis for the government and stakeholders to design digital literacy training and online marketing assistance to optimize and equitably utilize technology among farmers.
Synergy of Digital and Financial Literacy in Building a Resilient Financial Ecosystem in Indonesia Ahmad Wahyudin; Faisol Faisol; Ugroseno Damara Prasadhana Handoyo
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 1 (2026): Maret: JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i1.3780

Abstract

This study aims to analyze the relationship between digital literacy and financial literacy in strengthening a resilient and inclusive national financial ecosystem in Indonesia. As the financial landscape increasingly shifts toward digitalization, the integration of technological competence and financial awareness becomes a critical factor in ensuring economic stability and inclusive growth. Using a quantitative research approach, data were collected from 200 active users of digital financial services through a structured questionnaire. The data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method to test the validity, reliability, and causal relationships among variables. The results reveal that both digital literacy and financial literacy have a positive and significant influence on the development of a robust and inclusive financial ecosystem. Furthermore, the interaction between these two literacies strengthens individuals’ ability to make informed financial decisions, utilize digital platforms effectively, and contribute to financial inclusion. The findings highlight that the synergy between digital and financial literacy is essential for creating a sustainable financial system capable of adapting to technological disruption and economic uncertainty. This study contributes theoretically by integrating digital literacy into financial inclusion models, and practically by emphasizing the importance of joint initiatives among government, financial institutions, and educational organizations in promoting literacy-based empowerment. In conclusion, enhancing digital and financial literacy simultaneously is a strategic step toward building an inclusive, secure, and resilient financial ecosystem in the digital era.
THE SHADOW OF VILLAGE COMPANIONS: A PORTRAIT OF VILLAGES' LACK OF INDEPENDENCE IN FINANCIAL MANAGEMENT Faisol, Faisol; Syarif, Moh
Jurnal Riset Terapan Akuntansi Vol. 10 No. 1 (2026): Jurnal Riset Terapan Akuntansi
Publisher : Jurnal Riset Terapan Akuntansi

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Abstract

Village financial management is crucial for creating an independent, transparent, and accountable village government, while simultaneously encouraging more effective development and improving community welfare. This study aims to uncover the village government's dependence on village facilitators in financial management. The method used was a qualitative descriptive case study approach, with data collection through interviews, observation, and documentation. The results show that the entire process of preparing the Village Budget (APBDes) and Village Funds is entirely delegated to village facilitators, while the village secretary and other officials are less actively involved. In fact, the role of village facilitators goes beyond their duties as they participate in financial management and receive compensation from the disbursed Village Funds. This situation is inconsistent with applicable regulations, such as Home Affairs Ministerial Regulation Number 113 of 2014 concerning Village Financial Management and Law Number 6 of 2014 concerning Villages, which emphasize the importance of village independence and accountability. In general, this phenomenon indicates that the independence and accountability of village governments are still weak, and the role of village facilitators has not been optimally implemented as facilitators. Therefore, efforts are needed to increase the capacity of village officials through training and coaching so that they are able to manage village finances independently, transparently, and in accordance with regulations. Keywords: : Village Budget, Village Finance, Village Funds, Village Government, Village Assistants.
Analisis Strategi Penerapan Digital Marketing dalam Meningkatkan Pendapatan UMKM Keripik Pisang Rizqul Karimah; Zulviar Anas; Faisol Faisol; , Masruroh Masruroh
JURNAL RISET MANAJEMEN (JURMA) Vol 4 No 1 (2026): Maret: JURNAL RISET MANAJEMEN (JURMA)
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jurma.v4i1.3777

Abstract

The purpose of this study is to describe the strategy of implementing digital marketing to increase the revenue of the Makicha banana chips MSME. This research method uses descriptive qualitative with data collection through interviews, observations, and documentation. The results of this study indicate that the implementation of digital marketing in the Makicha Banana Chips MSME has a positive impact on business development, especially in increasing visibility, market reach, and business revenue. The transition from conventional marketing to the use of social media such as Instagram, WhatsApp, and TikTok is a strategic step in reaching a wider consumer base, including from outside the region. Although the implemented strategy is still simple, such as uploading product photos, testimonials, and sharing information through the story feature, it has been quite effective in attracting consumer interest and increasing the number of orders. However, the implementation of digital marketing is not optimal due to still being constrained by limited human resources, time, and a lack of consistency in content management, so the development of a more structured strategy in content creation is needed. The results of this study are expected to provide an overview for other MSMEs regarding the importance of utilizing social media in expanding the market to increase business revenue.
Co-Authors , Masruroh Masruroh Afriyanto, Renaldy Ahmad Wahyudin Ahmad Wahyudin Alafi Hidayatin, Dina Anas, Zulviar Anas, Zulviar Anas Anggi Pradhita Iswahyudi Bambang Haryadi Bawashir, Ahmad Syauqi Citra Lutfia Dian Ayu Fitri Elvin Nury Khirdany Elvin Nury Khirdany Farodisal Jinan Fatimatuz Zahrah Fuji Santoso Gita Arasy Harwida Gufron, Ainur Hanafi Hanafi Hanafi Hanem Muntaha Haryadi, Bambang Hasyiat-Taufiqi, Wisnu Ida Elisa Islamy, Sulaiha Nor Iswahyudi, Anggi Pradhita Jalil, Sartika Abdul Jinan, Farodisal Khirdany, Elvin Nury Khotijah Khotijah Khusniyah, Nurul Khotimatul Kurniawan, Rahmad Ready Laily Nur Aini Liana, Wahyu Lutfiana, Lutfiana M. Rofik Maghfiroh, Nadiya Alfiatur Mahsun Mahsun Masfufah, Siti Maskuroh, Maskuroh Mawarda, Mawarda Moh. Aminullah Moh. Asif Syahru Romadhon Mohammad Nizarul Alim Muhammad Akbar Muhammad, Sayyid Nadifatul Lailiyah Nizarul Alim, Mohammad Nor Islamy, Sulaiha Nur Hayati NURUL QOMARIYAH Nury Khirdany, Elvin PUSPITA SARI, RIKA Qurratul Aini Raden Bambang Poerwoko Rahayu Dewi Zakiyah RF Rahmad Ready Kurniawan Ready Kurniawan, Rahmad Rifkoh Fikrina, Noer Rizqul Karimah Rofik, M Rokip Rokip Rokip RR. Ella Evrita Hestiandari Sahri, Mat santoso, fuji Septian Eko Haryansyah Siti Maisaroh Siti Munawaroh Siti Munawaroh Siti Musyarofah Sofa Sulaiha Wati SYAIFUL BAHRI Syarif, Moh Ugroseno Damara Prasadhana Handoyo Wahyu Liana Wahyu liana Wahyu Liana Wahyu Liana Wati, Sulaiha Watii, Sulaiha Yuliananto, Sendy Zairina Zulviar Anas Zulviar Anas