Keluarga Sejahtera di Era Digital: Edukasi Finansial, Pendidikan dan Perlindungan Konsumen dalam Mencegah Judi Online dan Pinjaman Online Ilegal

Abstract

Community service activities were carried out to improve financial literacy, digital literacy, and consumer protection among housewives and adolescents in Babakan Village, Dramaga Subdistrict, Bogor Regency, as an effort to prevent illegal online lending and online gambling. The program was implemented through a series of counseling sessions, interactive discussions, financial planning practice, and training related to family economic enterprises. Implementation methods included field observation, preparation of learning materials, pre- and post-tests, hands-on practice, and statistical evaluation using difference tests. Results indicated significant improvements in knowledge among housewives across all materials, including financial management (p-value = 0.035), online lending (p-value = 0.002), and family economic enterprises (p-value = 0.022). Educational sessions for adolescents also led to significant gains in understanding related to online gambling prevention (p-value = 0.005) and their capacity to become resilient youth in the digital era (p-value = 0.021). The program additionally provided practical skills such as developing homemade food products and conducting basic business feasibility calculations. Overall, the activity strengthened financial and digital literacy, awareness of risky digital services, and the economic empowerment capacity of participating families.