Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal SPEKTA (Jurnal Pengabdian Kepada Masyarakat : Teknologi dan Aplikasi)
Eni Suharti
Department of Accounting, Muhammadiyah University of Tangerang, Indonesia
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Industrial & Manufacturing Engineering Materials Science & Nanotechnology

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Accelerating Women-Owned MSMEs Through Digital Financial Literacy, Bookkeeping Adoption, and E-Commerce Hamdani Hamdani; Eni Suharti; Suryadi Suryadi; Andini Ekasari; Noorkartina Mohamad
SPEKTA (Jurnal Pengabdian Kepada Masyarakat : Teknologi dan Aplikasi) Vol. 7 No. 1 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/spekta.v7i1.15968

Abstract

Background: Women-owned MSMEs in Balaraja continue to face challenges in financial recording, digital financial management, and access to wider online markets. These limitations reduce their ability to manage cash flow, strengthen business credibility, and improve business sustainability. Contribution: Development of an integrated empowerment acceleration model that combines financial literacy, digital bookkeeping adoption, and e-commerce utilization to strengthen the sustainability and competitiveness of women-owned MSMEs. Method: This community service program implemented an integrated empowerment model through training, digital tool development, and structured mentoring. A total of 55 women-owned MSMEs participated in the training stage, while 22 selected MSMEs continued to the implementation and mentoring stage. Results: The program significantly improved participants’ knowledge, digital financial literacy, and digital business practices. Knowledge scores increased from 56% to 78% and from 60% to 85% across the two stages, while digital financial literacy scores rose from 64% to 76% and from 66% to 82%. Online market expansion improved from 20% to 50%, the Empowerment Index increased by 22.57%, and average turnover rose by 12%. Conclusion: The findings indicate that women-owned MSME empowerment becomes more effective when digital financial literacy is integrated with bookkeeping tools, e-commerce facilities, and continuous mentoring.
Co-Authors Andini Ekasari Hamdani Hamdani Noorkartina Mohamad Suryadi Suryadi