<![CDATA[General Background Indonesia's agricultural sector, particularly coffee production, significantly supports the national economy and rural livelihoods. Specific Background Agricultural workers in Sapit Village experience seasonal income instability and predominantly rely on traditional, short-term monetary management alongside informal loans. Knowledge Gap While previous literature links economic knowledge, digital tools, and budgeting to economic well-being, the specific integration of these variables among rural agricultural communities remains underexplored. Aims This quantitative study investigates the relationship between economic education, digital technology, budgeting, and the fiscal comprehension of 46 agricultural workers. Results Utilizing PLS-SEM analysis, the findings reveal that educational interventions (p = 0.117), digital technology (p = 0.612), and budgeting (p = 0.233) do not significantly determine fiscal comprehension, explaining only 15.1% of the total variance. Novelty This research provides a contextual diagnostic showing that standard interventions fail when applied to rural communities with seasonal revenue patterns and limited digital infrastructure. Implications Stakeholders must pivot from sporadic socialization to continuous, integrated assistance and accessible formal services tailored to seasonal agricultural cycles. Highlights Educational interventions and digital tools do not significantly shape rural fiscal comprehension. Traditional short-term budgeting persists due to seasonal revenue cycles and limited infrastructure. Continuous stakeholder assistance remains necessary over sporadic socialization programs to build economic resilience. Keywords Financial Education; Financial Technology; Financial Planning; Financial Literacy; Coffee Farmers]]>
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