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All Journal Jurnal Media Ekonomi Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital
Made Lia Ananda Dewi
Politeknik Negeri Balikpapan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PENINGKATAN PRODUKTIVITAS USAHA UMKM MELALUI PENDAMPINGAN PENCATATAN PERSEDIAAN DAN PENYUSUNAN LAPORAN KEUANGAN MENGGUNAKAN APLIKASI ACCURATE Sisca Santika; Made Lia Ananda Dewi; Ranita Ramadhani; Danar Retno Sari; Hasto Finanto; Tia Rahmantika; Ezra Hartarto Pongtuluran
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 2 No. 4 (2025): Desember
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v2i4.3244

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan sektor yang berperan penting dalam perekonomian Indonesia, dengan kontribusi besar terhadap PDB dan penyerapan tenaga kerja. Namun, banyak pelaku UMKM masih menghadapi kendala dalam pengelolaan usaha, khususnya terkait pencatatan persediaan dan penyusunan laporan keuangan. Ketiadaan sistem pencatatan yang baik sering menyebabkan ketidaktepatan dalam pengambilan keputusan serta hambatan dalam memperoleh pembiayaan dari lembaga keuangan. Program pendampingan ini bertujuan meningkatkan kemampuan pelaku UMKM dalam mengelola persediaan dan menyusun laporan keuangan secara lebih akurat melalui penggunaan aplikasi Accurate. Kegiatan meliputi pelatihan, praktik langsung, dan pendampingan teknis agar pelaku usaha mampu menerapkan pencatatan yang sistematis dan memanfaatkan teknologi informasi secara optimal. Hasil kegiatan menunjukkan adanya peningkatan pemahaman dan keterampilan pelaku UMKM dalam pencatatan keuangan serta efisiensi operasional usaha. Penggunaan aplikasi Accurate membantu menghasilkan laporan yang lebih terstruktur, sehingga mendukung peningkatan kredibilitas usaha dan peluang akses pembiayaan. Secara keseluruhan, pendampingan ini memberikan kontribusi nyata dalam peningkatan produktivitas UMKM serta memperkuat pengelolaan usaha sebagai upaya mendorong pertumbuhan ekonomi local.
The THE IMPACT OF DIGITAL FINANCIAL LITERACY, FINANCIAL BEHAVIOR AND MENTAL HEALTH ON FINANCIAL WELL-BEING IN THE CONTEXT OF INDONESIA'S DIGITAL ECONOMY Husnul Muamilah; Hendra Sanjaya Kusno; Ratna Dewi Kusumawati; Made Lia Ananda Dewi; Mahsun Mahsun
Jurnal Media Ekonomi (JURMEK) Vol 31 No 2 (2026): Jurnal Media Ekonomi
Publisher : LPPM UNIVERSITAS BINA INSAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32767/jurnalmediaekonomi.v31i2.3335

Abstract

Purpose: Financial well-being among Indonesian youth has become a critical issue amid rapid digital financial development. However, limited studies have simultaneously examined the roles of digital financial literacy, financial behavior, and mental health in explaining financial well-being within emerging digital economies. This study aims to analyze these relationships and identify factors contributing to youth financial resilience. Research Methodology: This study employed a quantitative approach involving 258 university students in East Kalimantan, Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. PLS-SEM was applied because it is appropriate for exploratory research involving multiple latent variables, complex relationships, and prediction-oriented models. Results: The findings reveal that mental health has a positive and significant effect on financial well-being, indicating that psychological stability supports better financial security perceptions. Digital financial literacy has a significant but negative effect on financial well-being, suggesting that digital knowledge alone may increase confidence in financial decisions without necessarily improving financial outcomes. This may occur when literacy is not supported by adequate financial resources, discipline, or risk awareness. Financial behavior does not significantly affect financial well-being, although digital financial literacy positively influences financial behavior. Conclusion: This study contributes theoretically by integrating technological, behavioral, and psychological perspectives into financial well-being research. Managerially, the findings suggest that financial education programs should combine digital literacy, responsible financial practices, and mental health support. Limitations: The study is limited by its cross-sectional design, convenience sampling, and student-based sample, which may restrict generalizability.
Co-Authors Danar Retno Sari Hasto Finanto Husnul Muamilah Kusno, Hendra Sanjaya Mahsun Mahsun Pongtuluran, Ezra Hartarto Ranita Ramadhani Ratna Dewi Kusumawati Santika, Sisca Tia Rahmantika