EDUKASI KEUANGAN DIGITAL SEBAGAI UPAYA PENCEGAHAN PINJAMAN DARING ILEGAL PADA KELOMPOK PKK DUSUN SEMUNGGANG - Dita Nugroho; Toghu Rio Tama; Faizatu Almas Hadyantari (Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Tarumanagara, 2026)
The development of digital financial services has increased community access, but has also created vulnerability to illegal online lending. This community service activity aims to improve public digital financial literacy, particularly among homemakers and several village communities in Semunggang Hamlet, by raising awareness of the risks of illegal online lending. The methods used include interactive counselling, educational video screenings, group discussions, and simulations to identify the characteristics of illegal online loans and the mechanisms for reporting them to the relevant authorities. The results of the activity showed an increase in participants' understanding and critical attitude towards quick loan offers through social media, as well as a commitment to always check the legality of loan applications before using them. This activity had a positive impact on increasing financial awareness, family economic independence, and strengthening digital financial literacy at the community level. Keywords: Digital financial literacy, fintech, illegal online lending, financial education, and community empowerment. ABSTRAK, 10 pt Perkembangan layanan keuangan digital telah meningkatkan kemudahan akses bagi masyarakat, yang sekaligus menimbulkan kerentanan terhadap permasalahan pinjaman daring ilegal. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan digital bagi masyarakat, khususnya bagi para ibu rumah tangga dan bebera komunitas desa di Dusun Semunggang melalui upaya sosialisasi resiko Pinjaman Daring Ilegal. Metode yang digunakan meliputi penyuluhan interaktif, pemutaran video edukatif, diskusi kelompok, dan simulasi mengenali ciri-ciri pinjaman online ilegal serta mekanisme pelaporan ke otoritas terkait. Hasil kegiatan menunjukkan peningkatan pemahaman dan sikap kritis peserta terhadap tawaran pinjaman cepat melalui media sosial, serta munculnya komitmen untuk selalu melakukan pengecekan legalitas aplikasi pinjaman sebelum digunakan. Kegiatan ini berdampak positif terhadap peningkatan kesadaran finansial, kemandirian ekonomi keluarga, dan penguatan literasi keuangan digital di tingkat komunitas. Kata kunci: Literasi keuangan digital, FinTech, Pinjaman daring ilegal, Edukasi keuangan, Pemberdayaan masyarakat