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FINANCIAL AND DIGITAL LITERACY EMPOWERMENT FOR MSME DEVELOPMENT IN KAMPUNG KUE RUNGKUT SURABAYA Aloisius Hama; Annisah Febriana; Hafidulloh; Dani Rohmati; Mersiana Varia Juita
Pedagogic Research-Applied Literacy Journal Vol. 3 No. 3 (2026): Volume 3 Number 3 May - July 2026
Publisher : Suluh Adiluhung Publisher (SAPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70574/555r9v34

Abstract

The development of digital technology and increasing business competition require Micro, Small, and Medium Enterprises (MSMEs) to improve their financial management and digital capabilities in order to maintain business sustainability and competitiveness. However, many MSME actors, particularly community-based enterprises, still face limitations in financial literacy and digital literacy. This community service program aimed to enhance financial literacy and digital literacy among MSME actors in Kampung Kue Rungkut Surabaya. The program was implemented through several stages, including observation, needs assessment, educational sessions, practical training, mentoring, and evaluation activities. The financial literacy component focused on transaction recording, cash flow management, production cost calculation, budgeting, and pricing strategies. Meanwhile, the digital literacy component emphasized social media marketing, digital branding, product photography, online communication, marketplace utilization, and digital payment systems. The results showed significant improvements in participants’ understanding and skills regarding financial management and digital technology utilization. Participants became more capable of recording financial transactions, separating personal and business finances, calculating production costs accurately, and managing business cash flow. In addition, participants demonstrated increased confidence in using social media for product promotion, creating digital content, and communicating with customers through online platforms. Overall, the program successfully strengthened managerial and digital competencies among MSME actors and encouraged more adaptive, innovative, and sustainable business practices in Kampung Kue Rungkut Surabaya.
SHORT-TERM FINANCIAL PLANNING AND SIMPLE INVESTMENT EDUCATION FOR THE WELFARE OF MSME OWNERS IN SURABAYA Ratih Dewi Titisari Haryana; Annisah Febriana
Pedagogic Research-Applied Literacy Journal Vol. 1 No. 4 (2024): Volume 1 Number 4 August-October 2024
Publisher : Suluh Adiluhung Publisher (SAPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70574/tgs22g73

Abstract

MSMEs play a vital role in the regional economy but still face challenges such as low financial literacy and limited understanding of investment. These conditions lead to weak financial planning and poor welfare for business actors. This community service activity aims to improve MSME owners' understanding of short-term financial planning and simple investment as an effort to strengthen business financial resilience. The implementation method used an educative-participatory approach through interactive workshops, discussions, case studies, and brief mentoring conducted at the Gunung Anyar Culinary Tourism Center in Surabaya. The results showed an increase in participants' understanding of separating personal and business finances, cash flow management, simple financial recording, and the introduction of low-risk investment instruments. Participant satisfaction surveys based on material quality, delivery methods, and activity benefits showed a very high level of satisfaction. Overall, this activity is considered effective and relevant in supporting more planned and sustainable MSME financial management.