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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) YUME : Journal of Management JURNAL LENTERA BISNIS Jurnal Ilmiah Edunomika (JIE) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ekonomika Manajemen Dan Bisnis Innovative: Journal Of Social Science Research Jurnal Manajemen Dan Akuntansi Medan ULINA: Jurnal Pengabdian kepada Masyarakat Jurnal Kewirausahaan Bukit Pengharapan Jurnal Informatika: Jurnal Pengembangan IT Jurnal Pengabdian Bukit Pengharapan Economic Development Progress
Sitompul, Pretty Naomi
Politeknik Unggulan Cipta Mandiri
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Smart Finance: Desain dan Implementasi Sistem Keuangan Cerdas Real-Time Berbasis IoT untuk UMKM Wardana, Bendra; Sitompul, Pretty Naomi
Jurnal Informatika: Jurnal Pengembangan IT Vol 11, No 1 (2026)
Publisher : Politeknik Harapan Bersama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30591/jpit.v11i1.10006

Abstract

The development of Internet of Things (IoT) technology and real-time data analytics provides opportunities to improve financial management efficiency for Micro, Small, and Medium Enterprises (MSMEs). However, most MSMEs in Indonesia still rely on manual bookkeeping, which is inefficient, prone to errors, and limits access to formal financing. This study aims to design and implement Smart Finance, an IoT-based intelligent financial system capable of processing transaction data automatically in real time. The research method includes system requirement identification, system design and device integration, application implementation, and system performance testing. The system was developed as a web-based application integrated with IoT devices such as ESP32-CAM to support automatic transaction recording, cash flow visualization, and digital financial report generation. The testing results indicate that the system can automatically record transactions with good accuracy, provide real-time financial dashboards, and deliver transaction notifications, thereby helping MSME owners monitor their financial conditions more quickly and transparently. The main contribution of this study lies in integrating IoT devices with a web-based financial recording system that enables automatic and real-time transaction recording, an approach that is still rarely implemented in MSME financial management. Although challenges related to internet connection stability remain, the developed system demonstrates potential in improving efficiency, transparency, and the quality of financial decision-making among MSMEs. This study concludes that Smart Finance can serve as a practical and adaptive digital financial solution to support the sustainability and competitiveness of MSMEs in the digital era.
Co-Authors Ariadi, Eric Febrina Soraya Tanjung Fransiska Sirait Harahap, Fifi Yunita Ira Ningrum Resmawa, Ira Ningrum Jimmy Nganta Ginting Khairani Khairani Khairani Kraugusteeliana Kraugusteeliana M Syafii Mei Veronika Sri Endang Siagian Merita Ayu Indrianti Munir, Sjaiful Nadhira Syarifa Nasution Ni Luh Putu Suarmi Sri Patni Owen De Pinto Simanjuntak Reni Suryani Riny Jefri SALIM, DENNY Saragih, Muhammad Denni Sastra Wandi Nduru Saut Maruli Tua Pandiangan Sihite, Lestari Sjaiful Munir SURYANI, RENI Wardana, Bendra Wijaya, Selvia Fransiska Winata, Clarrissa