THE ROLE OF THE CENTRAL JAVA FINANCIAL SERVICES AUTHORITY (OJK) IN FINANCIAL LITERACY THROUGH EDUCATIONAL COMMUNICATION

Abstract

The development of digital financial services has improved public access but also increased risks of fraud and consumer protection issues. The Financial Services Authority (OJK) plays a strategic role not only as a regulator and supervisor but also as a provider of public education through educational communication strategies. This study analyzes the implementation of OJK Central Java’s educational communication strategy in enhancing financial literacy using a Public relations management framework. This research uses a descriptive qualitative approach. Data were collected through observation, interviews, documentation, and secondary sources. The analysis follows the stages of Public relations management by Cutlip and Center: defining problems, planning and programming, taking action and communicating, and evaluating. Findings show that OJK identified key issues, including gaps in public understanding of financial products, low consumer protection awareness, and high exposure to digital fraud. These issues were addressed through tailored educational programs, appropriate communication channels, and simplified messages. Implementation involved in-person education, digital media, and an integrated complaint system. Evaluation results indicate that OJK’s strategy contributes to improving public understanding and awareness of financial literacy and consumer protection.

Keywords: Educational Communication, Financial Literacy, Financial Services Authority, Public relations.