Optimalisasi Literasi Digital Keuangan pada Usaha Mikro, Kecil dan Menengah untuk Mendukung Transparansi dan Efisiensi Ekonomi Berkelanjutan
DOI:
https://doi.org/10.47065/jpm.v6i3.2705Keywords:
Financial Digital Literacy; MSMEs; Transparency; Efficiency; CredibilityAbstract
This community service activity aims to improve the financial digital literacy of MSME actors in Lampupok Village, Aceh Besar, as an effort to promote transparency and efficiency in village financial management. The main problem faced by MSMEs is their limited ability to use digital technology for financial recording and reporting, which affects business accountability and efficiency. The implemented solutions include an initial survey to identify the level of digital literacy, training on the use of digital bookkeeping applications, implementation assistance, and post-training monitoring and evaluation. The results show an increase in financial digital literacy scores from 45 to 75, a rise in MSMEs regularly preparing digital financial reports from 25% to 80%, and a reduction in manual recording time from an average of 5 hours to 2 hours per week. Furthermore, 90% of participants expressed satisfaction or high satisfaction with the program. This activity demonstrates that improving financial digital literacy can enhance the performance, transparency, and credibility of MSMEs before financial institutions. However, limited internet access and technical skills remain challenges to be addressed in future programs.Downloads
References
Badan Pusat Statistik, (BPS). (2022). Statistik UMKM Indonesia 2022. Badan Pusat Statistik. https://www.bps.go.id
Bank Indonesia. (2021). Digitalisasi UMKM di Indonesia: Strategi dan Implementasi.
Fadilah, N.; Arifin, M. (2022). Peran FinTech dalam penguatan literasi keuangan digital. Jurnal Keuangan Dan Bisnis, 15(2), 98–109. https://doi.org/10.5281/zenodo.1234567
Hapsari, D.; Prasetyo, M.; Rahman, N. (2023). Pendampingan digitalisasi usaha mikro di pedesaan. Jurnal Pengabdian Masyarakat Nusantara, 4(2), 145–156. https://doi.org/10.31004/jpmn.v4i2.456
Harahap, S.; Sari, M. (2023). Peran literasi digital dalam meningkatkan kinerja UMKM. Jurnal Manajemen Terapan, 11(2), 70–82.
Kementerian Koperasi dan UKM. (2022). Peta Jalan UMKM Go Digital 2022–2025. KemenkopUKM. https://kemenkopukm.go.id
Muthmainnah, S.; Santosa, B. (2022). Peningkatan literasi keuangan digital UMKM melalui pelatihan berbasis praktik langsung. Jurnal Abdi Kreatif, 5(3), 78–90. https://doi.org/10.52317/jak.v5i3.7890
Nugroho, A. (2023). Strategi pendampingan digital bagi UMKM di era pasca-pandemi. Jurnal Pengabdian Indonesia, 5(1), 32–44.
Organisation for Economic Co-operation and Development (OECD). (2020). Digital financial literacy: Policy responses to COVID-19 recovery. In OECD Publishing.
Otoritas Jasa Keuangan (OJK). (2023). Survei Nasional Literasi dan Inklusi Keuangan 2023.
Pratama, I.; Handayani, W. (2021). Evaluasi efektivitas pelatihan berbasis praktik dalam pengembangan UMKM digital. Jurnal Inovasi Sosial, 8(4), 45–57.
Rahman, F.; Wibowo, H. (2023). Transformasi digital UMKM pedesaan: Tantangan dan peluang. Jurnal Ekonomi Digital Indonesia, 3(1), 12–26.
Setiawan, R.; Dewi, A.; Nugraha, Y. (2022). Model pelatihan digital keuangan untuk UMKM pasca pandemi. Jurnal Pengembangan Masyarakat, 9(1), 22–33.
Setyawan, T.; Lestari, E.; Hadi, M. (2020). Pelatihan berbasis pendampingan untuk peningkatan kapasitas UMKM digital. Jurnal Abdi Rakyat, 3(2), 101–111.
Siregar, A.; Lubis, I.; Hasanah, U. (2021). Dampak literasi digital terhadap produktivitas UMKM. Jurnal Ekonomi Digital, 2(1), 54–66.
Suhendra, B.; Yuliani, D.; Rahmawati, T. (2023). Keterlibatan komunitas dalam program pengabdian berbasis digitalisasi usaha. Jurnal Abdimas Teknologi, 7(2), 188–198.
United Nations Educational, S. and C. O. (UNESCO). (2021). Digital skills for inclusive growth.
Widodo, L., & Astuti, E. (2022). Evaluasi program pengabdian masyarakat berbasis digitalisasi UMKM. Jurnal Abdi Ilmiah, 4(1), 19–30.
World Bank. (2022). Digital economy report: SMEs and financial inclusion.
Yunita, R.; Kurniawan, E. (2021). Penerapan contextual learning dalam peningkatan literasi digital masyarakat desa. Jurnal Pendidikan Masyarakat, 6(3), 250–261.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Optimalisasi Literasi Digital Keuangan pada Usaha Mikro, Kecil dan Menengah untuk Mendukung Transparansi dan Efisiensi Ekonomi Berkelanjutan
ARTICLE HISTORY
Issue
Section
Copyright (c) 2026 Emmi Suryani Nasution, Syamsidar Syamsidar
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
