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All Journal Jurnal Pengabdian Bersama Masyarakat Indonesia
Mohamad Hisam
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health

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Strategi Penguatan Resiliensi Usaha melalui Literasi Manajemen Keuangan Berbasis Artificial Intelligence dan Formalisasi Legalitas pada Sektor UMKM di Kelurahan Batu Besar, Kota Batam Mohamad Hisam; Eliska Sani; Shanry Asriany Hansen; Hedison Permata; Enay Sunarya; Rica Fitri Susanti; Septa Diana Nabella; Andi Hidayatul Fadlilah
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 4 No. 3 (2026): Juli : : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v4i3.963

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the economy of Batam City, particularly in the Batu Besar sub-district, Nongsa. However, their development is constrained by low financial literacy and a lack of formal legality. This community service program (KPM) aims to strengthen MSME business resilience through a dualpillar strategy: digital financial literacy training utilizing the Artificial Intelligence-based application FinSense AI and formal legality assistance through the issuance of Business Identification Numbers (NIB) via the Online Single Submission (OSS) system. The service method involved baseline mapping, interactive workshops, door-to-door intensive mentoring, and evaluation. The program was conducted from June 6 to July 4, 2026, involving 21 students and 4 supervising lecturers targeting MSMEs in RW 08, Kelurahan Batu Besar. The results showed a significant increase in financial literacy, with 34 MSMEs actively adopting FinSense AI to separate personal and business finances and monitor cash flow health automatically. Furthermore, 35 MSMEs successfully obtained formal legal status with the issuance of NIB. The integration of technology-based financial discipline and official legal protection successfully minimized financial risks and opened broader access to formal financial institutions and government programs, significantly enhancing local MSME business resilience.
Pendampingan Legalitas Berbasis Online Single Submission Risk-Based Approach (OSS RBA) dalam Membuka Akses Permodalan dan Memperkuat Legalitas Usaha UMKM di Kelurahan Batu Besar. H. Muhammad Sapuan; Septa Diana Nabella; Indirah Tri Patikasari; May Sarah Amril; Lian Natalia Angria Sari; Icha Hana Cahya; Rica Fitri Susanti UE; Mohamad Hisam
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 4 No. 3 (2026): Juli : : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v4i3.964

Abstract

Micro, small, and medium enterprises (MSMEs) in Batu Besar Village, Nongsa District, Batam City, remain largely unregistered despite operating near a strategic economic zone bordering an international airport, industrial estates, and the Nongsa tourism corridor. This legal gap restricts their access to formal financing, government support programs, and legal protection in business disputes. This community assistance program addressed the problem by facilitating Business Identification Number (Nomor Induk Berusaha/NIB) registration through Indonesia’s Online Single Submission Risk-Based Approach (OSS RBA) system, in accordance with Government Regulation No. 28 of 2025. The program combined participatory qualitative and quantitative methods, comprising outreach, baseline profiling, face-to-face technical registration assistance, and document handover, implemented over one month. Of 38 targeted business owners, all of whom (100%) lacked an NIB at baseline, 35 (92.1%) successfully obtained registration between 18 June and 1 July 2026; culinary businesses were the dominant sector (15 businesses, 39.5%), and most owners reported monthly revenue of IDR 1-5 million (45%). The results confirm that MSME informality in this setting is largely a technical-administrative barrier that structured, face-to-face assistance can resolve within a short period. Legal registration opens formal pathways for these MSMEs to access financing, join the free halal certification program (SEHATI), and pursue partnerships with the hotel and resort sector in Nongsa, strengthening the resilience of micro-enterprises in this strategic economic area.
Implementasi Sistem Cash Flow Management Digital untuk Meningkatkan Kesehatan Keuangan UMKM di Kelurahan Batu Besar, Kota Batam Putriyani Anjelina Hutapea; Jesikka Nadia Putri; Anggi Nanda Syahrani; Yati Salma; Dailimi Dailimi; Rica Fitri Susanti UE; Mohamad Hisam; Dewi Permata Sari; Muhammad Sapuan
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 4 No. 3 (2026): Juli : : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v4i3.965

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in strengthening the national economy. However, limited financial literacy and weak cash flow management remain major challenges among MSME actors. This community service program aimed to improve the financial health of MSMEs in Batu Besar Village, Nongsa District, Batam City through the implementation of a digital cash flow management system using FinSense AI. The program was conducted through four stages, namely preliminary assessment, financial literacy education, digital application implementation, and mentoring. The activities involved 34 MSME actors from various business sectors. The results indicated an improvement in participants' understanding of business cash flow, financial planning, transaction recording, and business cash sustainability. Participants were able to separate personal and business finances more effectively and utilize digital technology to monitor financial performance. The implementation of a digital cash flow management system provided practical benefits in supporting decision-making, reducing financial recording errors, and strengthening financial discipline. The program demonstrates that digital financial technology can be an effective tool for improving MSME financial resilience and supporting sustainable business growth
Implementasi Aplikasi Finsense AI Sebagai Sarana Transformasi Digital Manajemen Keuangan Dan Mitigasi Risiko UMKM Di Kelurahan Batu Besar, Kota Batam Rica Fitri Susanti UE; Andi Hidayatul Fadlilah; Fitri Mai Happy; Citra Apriana Ekasari; Widya Dwi Handayani; M Alfi Junaedi; Mohamad Hisam; Andi Sri Adinda Wulandari Adzan; Dewi Permata Sari
Jurnal Pengabdian Bersama Masyarakat Indonesia Vol. 4 No. 3 (2026): Juli : : Jurnal Pengabdian Bersama Masyarakat Indonesia
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jpbmi.v4i3.966

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Kelurahan Batu Besar, Batam City, play a crucial role in the local economy. However, most of the business owners still manage their business finances manually. This condition leaves MSME actors vulnerable to cash flow uncertainty, difficulties in making long-term financial decisions, and limited access to assistance programs and business capital funding. This community service activity aims to implement the FinSense AI application as a means of digital financial management transformation for MSMEs in RW 08, Kelurahan Batu Besar. The implementation method was carried out from June 6, 2026, to July 4, 2026, through five stages, namely: (1) Preparation; (2) Socialization & Education; (3) Technical Training; (4) Intensive Mentoring; and (5) Evaluation. The results of the activity showed a significant increase in digital literacy and adoption, marked by an increase in the number of FinSense AI application users from 6 to 34 users. This application helps participants understand the financial health condition of their business and project financial feasibility. This activity concludes that the intervention of artificial intelligence technology is an effective step in boosting capacity and mitigating risks for MSMEs at the Kelurahan level.
Co-Authors Andi Hidayatul Fadlilah Andi Sri Adinda Wulandari Adzan Anggi Nanda Syahrani Citra Apriana Ekasari Dailimi Dailimi Dewi Permata Sari Eliska Sani Enay Sunarya Fitri Mai Happy H. Muhammad Sapuan Hedison Permata Icha Hana Cahya Indirah Tri Patikasari Jesikka Nadia Putri Lian Natalia Angria Sari M Alfi Junaedi May Sarah Amril Muhammad Sapuan Putriyani Anjelina Hutapea Rica Fitri Susanti Rica Fitri Susanti UE Septa Diana Nabella Shanry Asriany Hansen Widya Dwi Handayani Yati Salma