Peningkatan Literasi Keuangan Digital Melalui Edukasi Risiko Buy Now Pay Later (BNPL) dalam Mencegah Digital FOMO pada Siswa Sekolah Menengah Kejuruan di Jakarta

Abstract

The rapid expansion of digital financial technology has fundamentally transformed consumption patterns among adolescents in Indonesia. One of the fastest-growing financial innovations is the Buy Now Pay Later (BNPL) service, which enables consumers to purchase goods instantly while postponing payment through installment schemes. Although BNPL contributes to financial inclusion, its accessibility has simultaneously increased adolescents’ vulnerability to impulsive buying, digital consumerism, and excessive debt. The widespread use of social media further intensifies this phenomenon through Fear of Missing Out (FOMO), encouraging young people to prioritize symbolic consumption over financial responsibility. This community engagement program aimed to improve digital financial literacy among vocational high school students by increasing their understanding of BNPL risks, strengthening critical awareness of digital consumerism, and promoting responsible financial decision-making. The program employed a Participatory Active Learning (PAL) approach involving interactive lectures, simulations, case discussions, digital media analysis, and reflective learning activities. Fifty-three students from SMKN 47 Jakarta participated in the program. Program evaluation adopted an Importance–Performance Analysis (IPA) framework using twelve service quality indicators measured through participant satisfaction questionnaires. The findings indicate that participants expressed a high level of overall satisfaction with the program, with an average importance score of 3.31 and a performance score of 3.29, producing a relatively small gap (-0.02). Indicators related to facilitator competence, teamwork, and overall participant satisfaction exceeded participants’ expectations, while learning facilities, contextual relevance of materials, and participant engagement remained areas requiring further improvement. These findings demonstrate that community-based financial literacy education represents an effective preventive communication strategy for improving adolescents’ awareness of digital financial risks. Furthermore, integrating communication literacy with behavioral financial education offers a promising approach for strengthening responsible digital citizenship among Generation Z. The study recommends that financial literacy initiatives should become an integral component of school-based digital education programs to support sustainable financial behavior among young people.