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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Jurnal Ekonomi Manajemen Sistem Informasi International Journal of Economics Development Research (IJEDR) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Minfo Polgan (JMP) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Eastasouth Journal of Effective Community Services The Es Accounting and Finance West Science Social and Humanities Studies IIJSE Majority Science Journal JER PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Oikonomia : Journal of Management Economics and Accounting Archipel: Journal of Indonesian Interdisciplinary Studies Jurnal Pemberdayaan Kepada Masyarakat
Afrizal Afrizal
Sekolah Tinggi Ilmu Ekonomi Eka Prasetya
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Fintech and Risk Literacy: Understanding User Awareness of Digital Financial Risks Afrizal Afrizal
Oikonomia : Journal of Management Economics and Accounting Vol. 3 No. 3 (2026): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v3i3.585

Abstract

The rapid growth of financial technology (fintech) has transformed financial transactions while simultaneously introducing new risks such as digital fraud, data breaches, overspending, and financial vulnerability. This study aims to analyze how users understand digital financial risks based on their level of digital financial literacy and how this understanding influences their behavior in using fintech services. The research employs a quantitative explanatory design with data collected through an online questionnaire distributed to active fintech users. The data were analyzed using Structural Equation Modeling (SEM-PLS) to examine the relationships between digital financial literacy, risk perception, and fintech usage behavior. The findings reveal that digital financial literacy has a significant positive effect on risk perception and fintech usage behavior. Risk perception also significantly influences user behavior and partially mediates the relationship between literacy and behavior. These results indicate that users with higher literacy levels are more capable of recognizing risks and engaging in more responsible and informed financial practices. In conclusion, digital financial literacy plays a critical role in shaping users’ understanding of financial risks and promoting safer, more sustainable fintech usage.
THE INFLUENCE OF PROMOTION, WORD-OF MOUTH, AND BRAND IMAGE ON CONSUMER PURCHASE DECISIONS: A STUDY OF KOPI SOE MEDAN: Promotion, Word-of Mouth, Brand Image, Purchase Decisions, Coffe Shop Industry Carissa Emily Wijaya; Afrizal; Lisa Elianti Nasution
SOSIOEDUKASI Vol 15 No 2 (2026): SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL
Publisher : Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/sosioedukasi.v15i2.7902

Abstract

This study aims to analyze the influence of promotion, word of mouth, and brand image on consumer purchase decisions at Kopi Soe Medan. The research employs a quantitative approach using primary data collected through questionnaires distributed to 160 respondents. Data analysis is conducted using multiple linear regression with the assistance of statistical software, including classical assumption tests, t-tests, F-tests, and the coefficient of determination (R²). The results show that partially, promotion, word of mouth, and brand image each have a positive and significant effect on purchase decisions. Simultaneously, all independent variables also have a significant effect on purchase decisions, indicating that the model is statistically valid. Among the variables, brand image has the strongest influence, followed by word of mouth and promotion. The coefficient of determination indicates that the model explains a moderate proportion of the variation in purchase decisions, while the remaining variance is influenced by other factors. These findings suggest that strengthening brand image, optimizing promotional strategies, and encouraging positive word of mouth are essential for improving consumer purchase decisions. Therefore, an integrated marketing strategy is necessary for businesses to remain competitive in the coffee shop industry.
PEMBERDAYAAN MASYARAKAT MELALUI LITERASI INVESTASI AMAN DAN LEGAL Rieneke Ryke Kalalo; Afrizal Afrizal; Arief Fahmi Lubis; Nuryadin Nuryadin; Ainun Wulandari
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 7 No. 4 (2026): Inpress Vol. 7 No. 4 (2026)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v7i4.61016

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi masyarakat mengenai investasi yang aman dan legal sebagai upaya mencegah risiko menjadi korban investasi ilegal. Pelaksanaan kegiatan dilakukan melalui penyampaian materi, diskusi interaktif, simulasi identifikasi investasi legal dan ilegal, pendampingan praktik pengecekan legalitas investasi, serta evaluasi menggunakan instrumen pre-test dan post-test. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta terhadap konsep investasi yang aman, pentingnya aspek legalitas, serta kemampuan dalam mengidentifikasi berbagai bentuk penawaran investasi yang berisiko. Hasil Evaluasi juga menunjukkan adanya peningkatan pengetahuan peserta yang signifikan, ditunjukkan oleh peningkatan pada kategori pengetahuan baik dari 20% menjadi 75%, sedangkan kategori kurang menurun dari 50% menjadi 5%. Selain peningkatan aspek pengetahuan, peserta juga menunjukkan perubahan sikap menjadi lebih kritis terhadap berbagai penawaran investasi dan memiliki kemampuan yang lebih baik dalam memverifikasi legalitas produk investasi melalui sumber informasi resmi. Dengan demikian, kegiatan pengabdian ini terbukti efektif dalam memperkuat literasi investasi masyarakat serta mendorong terbentuknya perilaku investasi yang lebih aman, legal, dan bertanggung jawab.
Co-Authors Acep Fatchuroji Ainil Mardiah Ainun Wulandari Al Munawar Al Munawar Alda Claudia Sagala Alfiana Alfiana Amin Al Jawi Andri Soemitra Arief Fahmi Lubis Arnes Yuli Vandika Bakti, Rizal Carine Carissa Emily Wijaya Claudie Tiofanny Debi Masri Dedi Lazuardi Desma Erica Maryati Manik Dian Widyantini Earvin John Medina Eka Nurlina Elisabeth Nainggolan Elisabeth Nainggolan Farah Juniati Meutianingrum Fisy Amalia Friend Zakharia Fuadi Fuadi Fuadi Fuadi Helmi Ali Herlambang, Albert Hildawati Hildawati Hildawati, Hildawati Ihdina Gustina Indra Sulistiana Jennifer Tantri Jessa Labitad Juliana Nasution Jupert Jasser Abellana Kelvin Lie Lisa Elianti Nasution Lisa Elianti Nasution Lisa Elianti Nasution LISTIANA SRI MULATSIH M. Anas M. Shabri Abd. Majid M.Indra Mulia Nasution Marliyah Marliyah, Marliyah Melissa Mangali Melissa Mangali Montaris Silaen Muammar Rinaldi Muh. Aniar Hari Swasono Muhammad Hafiz Abd.Rashid Muhammad Sabir Nasution, Lisa Elianti Nazrantika Sunarto Nuryadin Nuryadin Padila Dwi Kusuma Petrus Loo Phan Bao Giang Rabel Catayoc Rieneke Ryke Kalalo Rifki Ismal Rifky , Sehan Rita Handayani, Rita Rivaldo Rivaldo Romualdus Antonius Geli Koten Rosmaria Rosmaria Sagala, Alda Claudia Saparuddin Siregar Sehan Rifky Shenny Angelina Sinaga, Hommy Dorthy Ellyany Sipnarong Kanchanawongpaisan Sri Rezeki Sri Rezeki Sri Rezeki Stiven Jerry Immanuel Hutabarat Sugianto Sugianto Syahriyal Syahriyal Tanti Widia Nurdiani Tiofanny, Claudie Yusniar Yusniar