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All Journal Jurnal Riset Multidisiplin Edukasi
Khoirul Umam
Manajemen, Universitas Madura
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Pemanfaatan Digitalisasi untuk Meningkatkan Kompetensi SDM dalam Pengelolaan Administrasi Perpajakan pada UMKM Nurul Maharani; Vaudi Windi Aulia; Khoirul Umam; Moh Rifky Syahbani; Junaidi Efendi
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1960

Abstract

This study aims to analyze the use of digitalization in improving human resource (HR) competency in managing UMKM tax administration. The research method used is a literature study utilizing secondary data obtained from books, journal articles, and various relevant scientific publications for the period 2021–2026. Data collection was conducted through a literature search on Google Scholar, ScienceDirect, and Mendeley with keywords related to tax digitalization, HR competency, and UMKM. The results show that tax digitalization through services such as e-filing, e-billing, and Coretax can increase the effectiveness and efficiency of UMKM tax administration. The use of digital technology helps business actors in the process of recording, reporting, paying, and storing tax documents more quickly, easily, and structured. In addition, tax digitalization also plays a role in improving HR competency, digital literacy, taxpayer compliance, and tax administration capabilities of UMKM actors. However, the implementation of tax digitalization still faces obstacles such as low digital literacy, limited technological capabilities, lack of training, and limited digital infrastructure. Therefore, support in the form of training, education, mentoring, and the provision of adequate technological facilities is needed to ensure optimal and sustainable implementation of tax digitalization in UMKM.
Analisis Peran Financial Technology dan Uang Elektronik dalam Meningkatkan Inklusi Keuangan di Indonesia Nasywa Aurellia Salsabila; Khoirul Umam; Nuruddin
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i5.1962

Abstract

The development of financial technology (fintech) and electronic money (e-money) in Indonesia has significantly impacted the increase of financial inclusion through faster, more practical, and efficient access to digital-based financial services. The purpose of this study is to analyze the role of financial technology (fintech) and electronic money (e-money) in increasing financial inclusion in Indonesia and their impact on consumer behavior. The method used in this study is a qualitative approach with a literature review, namely by examining various scientific sources in the form of journals, reports, and related publications relevant to the research topic. The results of this study indicate that fintech and e-money play a significant role in increasing financial inclusion through accessibility, transaction process efficiency, and expanding access to public financial services. At the same time, both innovations can encourage public involvement in the digital financial system despite facing challenges such as low digital literacy levels, limited infrastructure, and data security risks. In addition, fintech and e-money, which make transactions easier, also increase the potential for improving consumer behavior, especially due to accessibility, digital promotion, and cashless payments that lead to reduced spending control. Therefore, it is necessary to increase the level of digital financial literacy and regulate the use of fintech and e-money to ensure the effective use of this technology in supporting financial inclusion.
Co-Authors Junaidi Efendi Moh Rifky Syahbani Nasywa Aurellia Salsabila Nuruddin Nurul Maharani Vaudi Windi Aulia