Education on Islamic-Based Digital Financial Management to Prevent Illegal Loans And Fraudulent Investments among Generation Z

Authors

  • Muhammad Ridwan State Islamic Institute of Ternate
  • Ajwan Muddin State Islamic Institute of Ternate
  • Hasbullah Hajar State Islamic Institute of Ternate
  • Sajjaj Sudirman State Islamic Institute of Ternate
  • Rahyuni Rahayu State Islamic Institute of Ternate
  • Novadayanti Sune State Islamic Institute of Ternate

DOI:

https://doi.org/10.15575/prestise.v6i1.54795

Abstract

Originality/novelty: The study contributes a practical, values-based model that combines digital financial literacy with Islamic financial ethics to guide safer and more responsible financial behavior among youth.

Objective: The study aims to address Generation Z's limited understanding of digital financial risks by implementing an educational intervention that integrates digital financial literacy with Islamic financial ethics, aiming to improve youth digital financial awareness and responsible decision-making.

Methods/approach: The community-service program targeted Generation Z participants and was implemented through presentations, case-based discussions, and practical exercises. Evaluation was conducted using pre-test and post-test assessments to measure changes in understanding.

Results: Post-test scores reached 81.25%, reflecting a 32.5% increase compared to pre-test results. Participants demonstrated positive responses and enhanced critical thinking when evaluating legal and illegal financial services.

Implications: The program provides an effective educational framework for protecting youth from digital financial risks by reinforcing ethical and Islamic financial values, demonstrating the necessity of sustaining similar initiatives for Generation Z.

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Published

2026-10-12

Issue

Vol. 6 No. 1 (2026): Jurnal Pengabdian Kepada Masyarakat Bidang Ekonomi dan Bisnis

Section

Articles

License

Copyright (c) 2026 Muhammad Ridwan, Ajwan Muddin, Hasbullah Hajar, Sajjaj Sudirman, Rahyuni Rahayu, Novadayanti Sune

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