<![CDATA[This study examines whether financial literacy, digital literacy, and community behavior are associated with preventing illegal online loans among young adult residents of Bandar Lampung. A cross-sectional survey collected 100 usable questionnaires from residents aged 17–35 years through purposive, non-probability recruitment. Reflective constructs were measured on a five-point Likert scale and estimated using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. Financial (β=0.394, t=4.067, p<0.001) and digital (β=0.293, t=3.086, p=0.001) literacies and community behavior (β=0.306, t=2.601, p=0.005) were positively associated with self-reported prevention. The model explained 96.0% of outcome variance. Reliability and convergent validity statistics exceeded conventional thresholds after one digital-literacy item was removed. Preventive orientation is strongest when financial judgment and digital verification skills are accompanied by cautious borrowing norms. Cross-sectional self-report data, social-media recruitment, a small age-restricted sample, and substantial indicator overlap limit causal and population-level interpretations. HTMT, collinearity, predictive relevance, and common method diagnostics were unavailable. This study integrates financial capability, digital verification, and behavioral safeguards into a city-level illegal lending prevention model.]]>
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