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All Journal Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat
Adriana Madya Maramap
Universitas Kristen Indonesai Toraja
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Law, Crime, Criminology & Criminal Justice Public Health Other

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Pendampingan pada UMKM di Kete Kesua tentang Fiansnial Tzeknologi Adriana Madya Maramap; Heba Rundupadang; Lisa Wibisono; Chrismesi Pagiu Rati Pundisiang; Dian Intan Tangkeallo
Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat Vol. 4 No. 4 (2026): Oktober: Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pandawa.v4i4.3144

Abstract

MSMEs in the Kete Kesu tourism area (North Toraja) face challenges regarding limited access to capital, manual financial record-keeping, and a reliance on cash payments, all of which constrain sales potential among tourists. Financial technology (fintech) offers a strategic solution for business modernization. Implementation Method: A participatory approach with phased mentoring was employed, comprising three main stages: (1) Preparation: Needs assessment, obtaining permits, and module development. (2) Implementation: Financial literacy workshops and one-on-one technical training for activating QRIS and digital financial recording applications. (3) Evaluation: Pre- and post-test measurements, weekly transaction monitoring, and the establishment of sustainability champions. Research Results: (a) An 85% increase in the partners' understanding and digital financial literacy. (b) Successful adoption of the cashless payment system (QRIS) by dozens of local MSMEs. (c) Transition of cash recording methods from manual systems to smartphone-based digital accounting applications. (d) Enhanced operational efficiency, accountability, and sales revenue potential for merchants in the tourism area.
Co-Authors Chrismesi Pagiu Rati Pundisiang Dian Intan Tangkeallo Heba Rundupadang Lisa Wibisono