STRENGTHENING DIGITAL FINANCIAL LITERACY AND CREATIVE ENTREPRENEURIAL STRATEGIES TO WARD OFF THE TRAP OF ONLINE LOANS: SMK NIDA EL-ADABI PARUNG PANJANG, BOGOR
DOI:
https://doi.org/10.58174/ijastps.v1i6.89Keywords:
Digital Financial Literacy, Creative Entrepreneurship, Illegal Online Loans, Community Service, Vocational StudentsAbstract
The rapid development of digital technology has encouraged easy access to various technology-based financial services, including online loan or peer-to-peer lending services. However, this ease of access is not matched by adequate levels of digital financial literacy, especially among teenagers and students, thereby increasing the risk of misuse of financial services and entrapment in illegal online lending practices. This Community Service activity was conducted at SMK Nida El-Adabi Parung Panjang, Bogor Regency, with the aim of improving students' understanding of digital financial literacy, recognizing the dangers of illegal online loans, and developing creative entrepreneurial strategies as an alternative for building economic independence. Implementation methods included interactive counseling, open discussion, real case studies, financial management simulations, and digital-based entrepreneurship training. Evaluation was carried out through pre-tests and post-tests measuring five main aspects of understanding. The results showed significant improvement across all aspects, with the largest increase occurring in understanding of online loans, rising from 52% to 92%. This activity had a positive impact on increasing students' financial awareness and entrepreneurial motivation as a preventive measure against digital financial risks in the future.
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