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All Journal Majalah Ilmiah Warta Dharmawangsa Community Empowerment
Cinta, Aura
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Arts Humanities Biochemistry, Genetics & Molecular Biology Education Public Health Social Sciences

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PERLINDUGAN KONSUMEN DALAM TRANSAKSI ONLINE YANG MENJADI TANTANGAN BAGI GENERASI DIGITAL Cinta, Aura; Maysarah, Andi
Jurnal Warta Dharmawangsa Vol 19, No 4 (2025)
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/wdw.v19i4.7267

Abstract

Penelitian ini bertujuan untuk mengkaji efektivitas perlindungan hukum terhadap konsumen dalam transaksi online serta mengidentifikasi tantangan yang dihadapi generasi digital dalam menuntut hak-haknya sebagai konsumen. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan pengumpulan data melalui wawancara semi-terstruktur terhadap konsumen digital aktif, studi literatur, serta analisis dokumen hukum. Hasil penelitian menunjukkan bahwa pelaku usaha online masih banyak yang tidak memenuhi kewajiban hukum, seperti informasi produk yang tidak lengkap, tidak adanya jaminan, serta penggunaan klausul sepihak yang merugikan konsumen. Di sisi lain, konsumen generasi digital masih memiliki tingkat pemahaman yang rendah terhadap hak-haknya dan prosedur penyelesaian sengketa. Selain itu, sistem regulasi yang ada belum sepenuhnya mengakomodasi dinamika perdagangan digital yang terus berkembang. Kesimpulan dari penelitian ini adalah bahwa perlindungan konsumen digital masih lemah secara implementatif dan membutuhkan perbaikan melalui penguatan regulasi, edukasi hukum digital bagi masyarakat, serta peningkatan pengawasan dan akses penyelesaian sengketa yang lebih adaptif dan terintegrasi.
Sharia financial planning assistance to improve community welfare Novianto, Abdullah Syakur; Amin, Muh. Sirojuddin; Saputri, Laila Sandri; Cinta, Aura; Lestari, Via; Riski, Kumajaya Novi; Kamilah, Saosan; Ambarsari, Emmy; Fariani, Fariani; Lativa, Rachmah Nur; Artamefia, Rachel Amanda Vinka; Febriyani, Nurlatifa; Utami, Merly Violita
Community Empowerment Vol 10 No 9 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.14159

Abstract

Financial literacy remains a major challenge in Banjarejo Village, significantly impacting the way the community manages their finances. Residents’ understanding of formal financial services remains low. This situation encourages some residents to choose non-formal financial institutions, such as those that are easier to access but carry high interest rates. This community service activity was carried out at the Banjarejo Village Hall, Pakis District, Malang Regency, involving 30 members of the PKK (family welfare movement). The objective of this activity was to increase the community’s understanding of financial literacy and planning. The method used in this activity was direct outreach and counseling for the Banjarejo Village community. The series of community service activities included initial observation, outreach, counseling, and monitoring and evaluation processes. From this activity, the results obtained were that 75% of participants had sufficient understanding and 25% of participants had a high level of understanding of simple financial reporting so that it would affect the financial flow of families and businesses.
Co-Authors Abdullah Syakur Novianto Ambarsari, Emmy Amin, Muh. Sirojuddin Artamefia, Rachel Amanda Vinka Fariani, Fariani Febriyani, Nurlatifa Kamilah, Saosan Lativa, Rachmah Nur Lestari, Via Maysarah, Andi Riski, Kumajaya Novi Saputri, Laila Sandri Utami, Merly Violita