LITERACY AND FINANCIAL HEALTH OF STUDENTS IN FACING THE CHALLENGES OF THE 21ST CENTURY DIGITAL ECONOMY(Community service program by the Financial Services Authority (OJK) Bengkulu Branch and the Accounting Study Program at Raflesia Polytechnic)

Abstract

The rapid evolution of digital financial technology presents both opportunities and challenges for today's students, who are increasingly targeted by illegal online lending platforms and online gambling schemes. This community service program—conducted through a collaboration between the Financial Services Authority (OJK) Bengkulu Branch and the Accounting Study Program of Raflesia Polytechnic—aims to enhance students’ financial literacy and digital awareness. Through interactive workshops, simulations, and reflective activities, participants were equipped with the knowledge and tools to manage personal finances, identify digital financial risks, and develop healthy economic behavior. The program recorded a significant increase in participants’ understanding of financial management and awareness of the legal and psychological consequences of predatory digital finance practices. It also fostered peer-driven initiatives for continued advocacy. These outcomes suggest that targeted financial education programs are vital in preparing students to become responsible actors in the digital economy.