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Peran Literasi Keuangan Digital terhadap Ketangguhan Manajemen Keuangan Keluarga Bidhari, Sandhika Cipta; Alyssa, Heidy Puspa; Azzahra, Kayila; Sawitri, Imelda Nadya
Warmadewa Economic Development Journal (WEDJ) 1-8
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.9.1.2026.1-8

Abstract

The digital transformation has fundamentally changed household financial management through the penetration of financial technology such as e-wallets, e-banking services, and digital-based financial applications. This study aims to analyze the influence of digital financial literacy on family financial management effectiveness by developing an applied quantitative model framework that combines digital literacy dimensions and financial management indicators comprehensively. The research used an associative quantitative approach with survey method on 30 employees of the Social Service for Women's Empowerment and Child Protection of Mojokerto Regency who actively use digital financial services. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) approach with SmartPLS version 3.0 software. The results showed that digital financial literacy has a significant but complex influence on family financial management effectiveness. Financial technology knowledge (? = 0.210) and digital financial risk understanding (? = 0.090) contribute positively, while digital money knowledge (? = -0.032) shows negative influence indicating potential consumptive risk from easy access to digital transactions. The structural model produces an R-square value of 0.075, indicating that 7.5% of variation in family financial management can be explained by the three digital financial literacy constructs. This research contributes theoretically by developing a more nuanced understanding of the relationship between digital financial literacy and household financial behavior, showing that not all aspects of digital literacy contribute positively to financial management.
Peningkatan Kesadaran Hukum Perlindungan Anak dalam Keluarga pada Forum PUSPA Dinas Sosial Kota Mojokerto Nurhayati, Ida; Cipta Bidhari, Sandhika; Efriyanto; Azzahra, Kayila; Sawitri, Imelda Nadya; Rachma, Syifa Septia
Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 7 No. 1 (2026): Vol. 7 No. 1, April 2026
Publisher : Universitas Dinamika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37802/society.v7i1.1290

Abstract

In Indonesia, child protection is specifically governed by Law Number 35 of 2014 concerning the Amendment to Law Number 23 of 2002 on Child Protection. Mojokerto recorded a total of 49 cases of violence against women and children in 2024. According to data from the Integrated Service Center for Women's and Children's Empowerment (P2TP2A) of Mojokerto City, the majority of the victims were children, specifically 37 individuals ranging in age from toddlers up to 16 years old. This activity was aimed at enhancing the understanding, knowledge, and awareness of family law, with a particular focus on child protection and rights. The methodology involved observation, socialization, and relevant discussions. The session involved 27 participants who are members and board members of the Public Participation Forum for Women's and Children's Welfare (PUSPA), operating under the Mojokerto City Social Service. The outcome demonstrated that 85.2% of the participants understood and applied the Child Protection regulations and laws within their family lives. With this high level of understanding and implementation, there is an opportunity to create an effective intervention model that can help optimize child protection in Indonesia.