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Ahmad Farhan
Universitas Islam Negeri Sumatra Utara
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Neuroscience Nursing Public Health

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Transformasi Dukungan UMKM melalui Layanan Keuangan Digital di Desa Naga Kesiangan Kec. Tebing Tinggi Kab. Serdang Bedagai Ahmad Farhan; Putri Sari Arafah Hasibuan; Yudi Paruhum; Siti Aisyah
Jurnal Pengabdian Masyarakat Kesosi Vol. 9 No. 1 (2026): Januari: Jurnal Abdimas KESOSI
Publisher : Sekolah Tinggi Ilmu Kesehatan Kesetiakawanan Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57213/abdimas.v5i1.442

Abstract

This study aims to analyze the transformation of support for Micro, Small, and Medium Enterprises (MSMEs) through the utilization of digital financial services in Naga Kesiangan Village, Tebing Tinggi District, Serdang Bedagai Regency. The rapid development of digital technology has encouraged changes in MSME financial management patterns, particularly in access to financing, payment systems, and financial record-keeping. This research employs a descriptive qualitative approach, with data collected through observations, interviews, and documentation involving MSME actors and related stakeholders. The findings indicate that digital financial services, such as digital wallets, mobile banking, and financial technology platforms, provide significant convenience for MSME actors in conducting transactions, improving business efficiency, and expanding access to formal financial institutions. However, several challenges remain, including low levels of digital financial literacy and limited supporting infrastructure. Therefore, active involvement from village governments and related institutions is necessary to provide education and assistance so that digital financial transformation can be utilized optimally. Strengthening digital financial inclusion is expected to enhance the sustainability and competitiveness of MSMEs, particularly in rural areas.
Co-Authors Putri Sari Arafah Hasibuan Siti Aisyah Yudi Paruhum