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All Journal International Journal of Economics and Management
Midian Cristy Rori
Universitas Sam Ratulangi
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Technology-Based Simple Financial Recording Innovation for Micro, Small, and Medium Enterprises to Support Business Financial Management in the Sangihe Islands Regency Indah Kakunsi, S.E., M.S.A; Herman Karamoy; Midian Cristy Rori
International Journal of Economics and Management Vol. 4 No. 3 (2026): IEM : International Journal of Economics and Management
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/iem.v4i3.358

Abstract

Micro, small, and medium enterprises (MSMEs) in island regions such as the Sangihe Islands Regency, North Sulawesi, generally run their businesses without routine financial records, making it difficult for owners to separate business and personal funds, determine profit, and plan business development. Previous community engagement programs on digital bookkeeping have mostly been carried out in urban and mainland settings, while evidence from archipelagic areas with limited connectivity remains scarce. This community partnership program aimed to improve the literacy and skills of MSME actors in simple, technology-based financial recording. The program was carried out in partnership with the Sawang Bendar Urban Village Government, Tahuna District, through three stages: preparation (partner coordination, permits, and development of educational materials), implementation (a face-to-face education and socialization session on 14 August 2026), and follow-up (mentoring and monitoring). Data were collected through attendance lists, documentation, observation, and the activity logbook, and were analyzed descriptively. The session was attended by 24 participants, consisting of 23 MSME actors, predominantly in the culinary sector, and one representative of the urban village government. Participants received material on the importance of financial recording, the challenges of digitalization in island regions, an introduction to the BukuWarung, BukuKas, and SI APIK applications, and examples of recording daily cash inflows, outflows, and balances; each participant also received a printed cash book. The program produced an education module, cash books, and video documentation. The results indicate that a hybrid approach combining digital applications with manual cash books suits island MSMEs, while continued mentoring is needed to build consistent recording habits.
Education and Socialization on Access to Financing for MSMEs through the People's Business Credit (KUR) Program in the Sangihe Islands Regency Midian Cristy Rori; Indah Eunike Kakunsi; Pingkan Elni Wowor
International Journal of Economics and Management Vol. 4 No. 3 (2026): IEM : International Journal of Economics and Management
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/iem.v4i3.359

Abstract

Micro, small, and medium enterprises (MSMEs) are the main support of economic activity in the Sangihe Islands Regency, yet many operators in Tahuna still run small-scale businesses with limited capital and rely on personal funds or informal sources because they do not yet understand the procedures, requirements, and benefits of formal financing. This community service activity, carried out under the Community Partnership Program Cluster 1 (PKM_K1) of Universitas Sam Ratulangi, aimed to improve the financial literacy of MSME operators regarding access to business financing through the People's Business Credit (Kredit Usaha Rakyat, KUR) program. The program was designed in three stages: preparation (coordination with the Sawang Bendar Sub-district Government, participant registration and initial survey, and partnership with PT Bank Negara Indonesia (Persero) Tbk Tahuna Branch as the resource person), implementation (an education and socialization session held on 14 August 2026 at the Sawang Bendar Sub-district Office, Tahuna District), and follow-up (technical training on business documents, assistance with financing applications, and post-test evaluation). The session was attended by 28 people, consisting of 23 MSME operators, four representatives of BNI Tahuna Branch, and one representative of the sub-district government. The material covered KUR schemes, administrative requirements, application procedures, and the benefits of KUR for business sustainability, followed by an interactive question-and-answer session on KUR application simulation. The activity shows that collaboration between a university, the local government, and a KUR-distributing bank gives MSMEs in an island region direct access to information on formal financing. Measurement of knowledge improvement and assistance in preparing loan applications are carried out in the follow-up stage.
Co-Authors Herman Karamoy Indah Eunike Kakunsi Indah Kakunsi, S.E., M.S.A Pingkan Elni Wowor