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Utomo, Jepri
Universitas Madako Tolitoli
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Journal : Journal La Edusci

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Fintech Integrated Economic Education Model: Improving Inclusive Financial Competence Among Millennial MSMEs Farwita, Syurwana; Arsyad, Nursyam; Ibadurrahman, Ibadurrahman; Utomo, Jepri; Mutmainnah, Inayatul
Journal La Edusci Vol. 6 No. 4 (2025): Journal La Edusci
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallaedusci.v6i4.2615

Abstract

This research aims to develop and test a fintech-integrated economic education model to improve inclusive financial competence among millennial MSMEs in Makassar City. Using a descriptive qualitative approach, the study involved ten MSME actors selected purposively and explored their financial behavior, challenges, and responses to a structured training model. The model combines basic economic education, practical use of digital financial applications, and reflective learning processes. Data were collected through interviews, observations, documentation, and pre-test and post-test analysis. The results show significant behavioral changes in financial management, including routine bookkeeping, financial separation between personal and business funds, and improved budgeting practices using fintech tools. The model proves effective in contextualizing economic education and digital literacy within the everyday business practices of MSMEs. These findings underscore the importance of designing participatory, practical, and technology assisted learning models to enhance financial inclusion and empower small business actors sustainably.
Co-Authors Aagin Artama Musa, Lalu Abd Halim Abdad, Wajdi Abdul Hafid Abdullah, Subhan Adam Kamal , Alabani Adhi, Rakhmat Nur Adys, Himaya Praptani Agung Firmansyah Agustang, Andi Ainushofa, Ilmi Akbar, Ahmad Naufal Amrul Amrul Andi Muh Akbar Saputra Andriya Risdwiyanto Anggoro Dwi Cahyo Aniati Anas Arief Yanto Rukmana Arif Hidayat Arif Saefudin Arimbawa, I Ketut Arlin Adam, Arlin Arlini , Lidya Arsyad, Nursyam Aryo De Wibowo Astuti, Dian Ayi Abdurahman Burhan Burhan Destiawan, Lalu Yudistira Dinda Juliana Novita Dito Anurogo Farhan Ferian Farwita, Syurwana Febriani, Haniza Firman Agil, Wahyu Hadi, Mr. Samsul Hafiza, Nuril Hairil Wadi Hamidsyukrie ZM Hamran , Hamran hana, Hana Maulida Safitri Hegar Harini HENDRA GUNAWAN B11211055 Hestie Ariestina Hikmah, Nurul Hikmah Husnayain, Husnayain HUSNUL KHOTIMAH I Putu Agus Dharma Hita Ibadurrahman , Ibadurrahman Ibadurrahman Ibadurrahman Ihsan, Andi Iklima Inayatul Mutmainnah Inggrid L, Grita Iriani, Nisma Ismail Ismail Iwan Ramadhan Izhar Salim Johana Nahuway Juliana Jusniati Kamalia, Ulfi Kamaruddin, Syamsu Kamaruddin, Syamsu Andi Kamisa, Feni Aprilia Kurnia, Ady Laili Savitri Noor Loso Judijanto Lukis Alam Maria Ulfa Marlina Marlina Marzuki Marzuki Masyhuri Masyhuri Masyhuri Masyhuri, Zilly Arsyika Maulana, Muhammad Rizky Maulida Afriani, Sukma Mayasari Mayasari, Mayasari Mila Noviana, Mila Misbahul Munir MS Viktor Purhanudin Muhammad Ilyas Muhammad Syukur Mukhtar, Afiah Mutmainnah, Inayatul Ni Made Novi Suryanti Novi Suryanti Nur Adhi, Rakhmat Nur Hafiz, Alfi Nur Syariatin Nursida, Andi Oktaviani, Sania Purwaningsih - Rismar Julia Rohman, Prabu Rosa Yuniarti Rosyidah, Feryna Nur Rustiyarso . Salehuddin, Salehuddin Sanikurniati, Baiq Sarilah Sarilah Sa’adah, Wardhatul Sembiring, Rinawati Shermina Oruh Siti Chadijah Siti Chadijah Siti Saniah, Siti Sri Sudaryati Sri, Sri Wahyuni Suaebah Suhaeb, Firdaus W Sukardi Sukardi Sulistyo Andarmoyo Sumitro Sumitro , Sumitro Sumitro Sumitro Suprapto Suprapto Suroso Suroso Suud Suud Suud, Suud Syam, Andi Zulitsnayarti Mardhani Syariatin, Nur Tamher, Fatmah W. TEGUH ARIFIANTO, TEGUH Tri Velyna Wadi, Hairil Wahyu Febrianti, Duwiq Widi, Widiyanti Wira Parawangsa wira Yanti, Febi Yuli Rohmiyati Yuli Rohmiyati Zahraini, Yuliana ZM, Hamidsyukrie Zulvia, Ridho