Strengthening Legal Literacy among Vocational School Students Through Education on Personal Data and OJK-Licensed Online Loans

Authors

  • Ira Safitri Universitas Pendidikan Indonesia, Indonesia
  • Reni Setiansyah Universitas Pendidikan Indonesia, Indonesia
  • Anisa Safitri Universitas Pendidikan Indonesia, Indonesia
  • Sulanda Sulanda Universitas Pendidikan Indonesia, Indonesia
  • Permana Anggara Universitas Pendidikan Indonesia, Indonesia
  • Dadang Sundawa Universitas Pendidikan Indonesia, Indonesia
  • Dwi Iman Muthaqin Universitas Pendidikan Indonesia, Indonesia

DOI:

https://doi.org/10.33394/jpu.v7i1.18806

Keywords:

Education, Personal Data, Legal Literacy, Licensed Online Loans

Abstract

This community service program aims to enhance students’ legal literacy regarding personal data protection and online lending services licensed by the Financial Services Authority (Otoritas Jasa Keuangan/OJK). The program was implemented through counseling sessions and interactive discussions involving 42 accounting students at SMK Muhammadiyah 2 Cibiru. Evaluation instruments consisted of pre-tests and post-tests, which were analyzed using descriptive quantitative and qualitative approaches. The results demonstrate significant improvements across all indicators of students’ legal understanding. The average normalized gain (N-Gain) scores were 0.33 (moderate category) for basic legal knowledge, 0.46 (moderate category) for legal attitudes and awareness, and 0.43 (moderate category) for higher-order thinking skills (HOTS). Overall, the findings indicate that legal education on personal data protection and financial literacy is effective in enhancing students’ awareness and critical thinking skills in addressing cybercrime risks in the digital era.

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Published

2026-02-08

How to Cite

Safitri, I., Setiansyah, R., Safitri, A., Sulanda, S., Anggara, P., Sundawa, D., & Muthaqin, D. I. (2026). Strengthening Legal Literacy among Vocational School Students Through Education on Personal Data and OJK-Licensed Online Loans. Jurnal Pengabdian UNDIKMA, 7(1), 85–96. https://doi.org/10.33394/jpu.v7i1.18806

Issue

Vol. 7 No. 1 (2026): February

Section

Articles

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