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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat Minda Baharu Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Educational Research and Social Sciences (IJERSC) Jurnal Integrasi Ilmu Syariah (Jisrah) Mamangan Social Science Journal Jurnal Pemberdayaan: Publikasi Hasil Pengabdian kepada Masyarakat (JPM ITTC ) Proceeding Applied Business and Engineering Conference Jurnal Ilmu Syariah dan Hukum International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Al Ushuliy ZAWA:Management of Zakat and Waqf Journal Majority Science Journal Tourism, Hospitality and Culture Insights Journal
Emrizal
Politeknik Negeri Padang, Indonesia
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Journal : Majority Science Journal

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FINANCIAL GOVERNANCE TRAINING FOR SMEs BINJAI TOFU VILLAGE: BUILDING A FOUNDATION TOWARDS EDUCATIONAL TOURISM VILLAGE IN NORTH SUMATRA Ngatemin, Ngatemin; Emrizal, Emrizal; Darmawan, Rahmat; Rosari, Dina
MSJ : Majority Science Journal Vol. 3 No. 4 (2025): MSJ-November
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v3i4.490

Abstract

This study aims to analyze the effectiveness of financial governance training in improving the capacity of MSMEs in Kampung Tahu, Binjai, as a foundation for developing educational tourism villages in North Sumatra. The training focused on improving financial literacy, structured record-keeping practices, separating business and personal finances, and adopting simple financial technology. The methods used were pre-test and post-test surveys, observations, and focus group discussions with a purposively selected sample of 20 MSMEs. Furthermore, data analysis was conducted using the Structural Equation Modeling Partial Least Square (SEM PLS) approach to test the effect of training, financial literacy, technology adoption, and mentoring on financial governance implementation. The results showed a significant increase in financial literacy scores, record-keeping practices, and financial separation after the training. However, adoption of digital financial applications remains limited due to digital literacy and infrastructure constraints. GAP analysis demonstrates the need for ongoing mentoring, infrastructure strengthening, and multi-stakeholder collaboration to bridge the gap between actual and ideal conditions. This training is recommended as a model for developing the capacity of MSMEs based in educational tourism villages, particularly in rural areas facing similar challenges.
Co-Authors AA Sudharmawan, AA Anwar, Muhammad Luthifar Syach Asmadia, Tezi Asrida Asrida, Asrida Ayu, Suci Putri Dalimunthe, Femmy Indriany Dewi Putri Effendi, Amri Elyanta, Marciella Gampito, Gampito Hanafi, M. Hirsan Haries, Alfatah Has, Dini Hardiani Maysarah, Maysarah Neswardi, Sepri Ngatemin, Ngatemin Nofrianti, Mami Oktavia, Yusi Primadona Rahmadani, Selvi Rahmat Darmawan, Rahmat Rahmat Firdaus Rahmat Rahmat Ramadhani, Mutia Rasyid, Agung Ar Riesa, Rafidola Mareta Rosari, Dina Silalahi, Rikki Sembari Simanjuntak, Widya Octovia Rini Sitinjak, Rivawaty Maretina Sutan Sahala Muda Marpaung Syahputra, Muhammad Dwi Teza Warman, Meilita Warman, Meilita Teza Widi Nopiardo wilda khairannur yani, suci fitri Yenti, Elfina Yosi Suryani Zengga Zengga Zulkifli Zulkifli