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All Journal International Journal of Community Service & Engagement Jurnal Pengabdian Masyarakat Bestari (JPMB) Summa : Journal of Accounting and Tax
Fitriyani, Rosha
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Education on Financial Management & Access to Fintech Peer to Peer Lending Financing in the Context of Improving Financial Literacy for the Independent Independent Community (SBM) as Creative Economy Business Actors in Jambi Province Sartika, Dewi; Fitriasuri, Fitriasuri; Noviardy, Andrian; Fitriyani, Rosha; Yama Lestari, Riski
Jurnal Pengabdian Masyarakat Bestari Vol. 4 No. 1 (2025): January 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v4i1.13539

Abstract

This national community service aims to increase financial literacy in financial management and access to financing for MSME actors of the Independent Friends Community (SBM) in Jambi Province. This activity involves training and counseling using lectures, simulations, and direct guidance methods. Participants were given material on financial records, business feasibility analysis, and the use of peer-to-peer lending fintech technology. The implementation was carried out in a structured manner, starting from observation and interviews, followed by intensive training for several days. The results showed an increase in participants' awareness of the importance of financial management and access to financing, as well as enthusiasm in technology adoption. The implication is better business development opportunities and a positive contribution to local economic growth.
The Use of Syariah Fintech as An Alternative to SMEs Financing in West Java Province In Supporting Halal and Green Economy Sartika, Dewi; Setyadi, Bakti; Jaya, Ade Kemala; Fitriasuri, Fitriasuri; Fitriyani, Rosha; Merdianto, Efran
International Journal of Community Service & Engagement Vol. 6 No. 3 (2025): International Journal of Community Service & Engagemen
Publisher : Training & Research Institute - Jeramba Ilmu Sukses

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijcse.v6i3.2830

Abstract

This international community service activity aims to increase financial literacy and the use of syariah-based financial technology (fintech) for Micro, Small, and Medium Enterprises (MSMEs) in West Java Province. MSMEs have a great contribution to the national economy, but still face various obstacles such as limited access to financing, low understanding of financial management, and lack of awareness of halal and green economy principles. To answer these challenges, this program is designed through an educational and practical approach, in the form of training, mentoring, and cooperation with syariah fintech platforms. The material provided includes the concept of Islamic finance, how to access Islamic fintech services, and the integration of environmentally friendly principles in business activities. The results of the activity showed a significant increase in MSME actors' understanding of financial literacy and access to -based financing. In addition, there has been a shift in the mindset and behavior of business actors in managing finances that are more transparent and compliant, as well as the emergence of awareness of the importance of environmental sustainability. Some participating MSMEs have even started to implement an Islamic financial recording system and apply for financing through fintech platforms that suit their needs. This program proves that with the right education and sustainable support, MSMEs can transform into a more inclusive, ethical, and sustainability-oriented businesses.
The Influence of Financial Literacy, Technological Advance, and the Development of Financial Technology (Fintech) on Students' Investment Decisions Fitriyani, Rosha; Sartika, Dewi
Summa : Journal of Accounting and Tax Vol. 4 No. 1 (2026): January 2026
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/summa.v4i1.1051

Abstract

This study seeks to examine the impact of financial literacy, technological advancements, and financial technology (fintech) developments on students' investment decisions. This research is driven by the importance of rational investment decision-making among the younger generation, especially students, who have great potential as future investors. This study uses a descriptive quantitative methodology, including an online questionnaire distributed to 105 active students of Bina Darma University. Data analysis was carried out using the SEM-PLS methodology through the SmartPLS 4.1.1.2 program. The research findings show that financial knowledge, technological advancements, and fintech innovations significantly influence students' investment choices. The study underscores the need to improve financial literacy, financial technology education, and improve self-efficacy among students to facilitate wiser investment decisions and reduce irrational investment risks. These findings are critical for educational institutions and fintech service providers to develop teaching programs that promote prudent and responsible investment practices.
Co-Authors Ade Kemala Jaya, Ade Kemala Bakti Setyadi DEWI SARTIKA Fitriasuri, Fitriasuri Merdianto, Efran Noviardy, Andrian Yama Lestari, Riski