Empowering Youth of the HKBP Rawamangun Church through Financial Planning Education, Control of Consumer Behavior, and Mitigation of Illegal Fintech Risk

Tobing, Fery and Juniasti, Riwandari and Wau, Feliks Setia and Wana, Selvia De and Sinaga, Roma Ulina (2026) Empowering Youth of the HKBP Rawamangun Church through Financial Planning Education, Control of Consumer Behavior, and Mitigation of Illegal Fintech Risk. Asian Journal of Community Services (AJCS), 5 (7). pp. 387-404. ISSN 2962-1496

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Abstract

This community service project aims to illustrate the effectiveness of a youth empowerment program at the HKBP Rawamangun Church through education on financial planning, consumer behavior management, and the mitigation of risks associated with illegal fintech. The method used was a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation of educational activities. The results showed that the educational program provided was able to improve youth financial literacy, especially in terms of pocket money management, spending planning, and the ability to distinguish between legal and illegal fintech services. In addition, there was a change in consumer behavior that led to more controlled and increased awareness of the risks of digital fraud. This church-based community empowerment activity also strengthened the social role of religious institutions in supporting the financial literacy of the younger generation.

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