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All Journal Binus Business Review Asia-Pacific Management and Business Application International Research Journal of Business Studies (E-Journal) JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business YUME : Journal of Management Journal of Humanities and Social Studies Jurnal Ekuilnomi Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah International Journal of Accounting & Finance in Asia Pasific eProceedings of Management JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Akademik Pengabdian Masyarakat Paradigma Mandiri : Jurnal Pengabdian Kepada Masyarakat International Research Journal of Business Studies Society
Sita Deliyana Firmialy
Universitas Telkom
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences Other

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SOSIALISASI LANJUTAN UNTUK APLIKASI HOSPIBUDGET SEBAGAI ALAT PENGANGGARAN ZERO-BASED BUDGETING BAGI PELAKU HOSPITALITY DAN PARIWISATA DI JAWA BARAT Sita Deliyana Firmialy; Cahyaningsih Cahyaningsih; Ismaya Adriyanti
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.8096

Abstract

The tourism and hospitality sector are a strategic contributor to regional economic growth; however, many Micro, Small, and Medium Enterprises (MSMEs) in this sector continue to experience challenges in applying effective financial management practices, particularly in adopting digital budgeting systems. Following the development of an Android-based financial management application utilizing the Zero-Based Budgeting (ZBB) approaches, this community service activity focuses on the socialization and practical implementation of the HospiBudget application for hospitality and tourism MSMEs in West Java. The socialization program was designed to address the gap between technological innovation and users’ financial literacy and digital capability. Activities included guided training sessions, hands-on application usage, and discussions on zero-based budgeting concepts tailored to hospitality operations. The program was conducted with MSME participants in the hospitality and tourism sector across several regions in West Java. The results indicate that the socialization significantly enhanced participants’ understanding of ZBB principles, improved their ability to utilize digital budgeting tools, and increased awareness of cost efficiency and cash flow control. This activity demonstrates that application socialization is a critical continuation stage of digital innovation, ensuring that technological solutions such as HospiBudget are effectively adopted and contribute to improved financial governance, business sustainability, and competitiveness of hospitality and tourism MSMEs
SOSIALISASI LITERASI FINTECH MELALUI HARMONISASI PERAN BANK INDONESIA DALAM MENDUKUNG KEBERLANJUTAN BISNIS UMKM DI ERA SOCIETY 5.0 Sita Deliyana Firmialy; Akhmad Yunani; I Nyoman Bontot; Budi Rustandi Kartawinata
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 3 No. 6 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v3i6.8097

Abstract

The rapid development of financial technology (fintech) in the era of Society 5.0 presents both opportunities and challenges for Micro, Small, and Medium Enterprises (MSMEs) in achieving business sustainability. Although the adoption of digital financial services continues to increase, the level of fintech literacy among MSMEs remains relatively low, potentially leading to risks in financial management and business decision-making. This community service program aims to enhance fintech literacy through the harmonization of the roles of Bank Indonesia with academics, industry partners, and community stakeholders in supporting MSME business sustainability. The program employed a participatory applied research approach using a hybrid method that combined offline and online activities. The activities included needs assessment, fintech literacy socialization, lectures, and participatory discussions involving representatives from Bank Indonesia, MSME actors, academics, students, and other relevant stakeholders. The results indicate an improvement in participants’ understanding of fintech concepts, the benefits and risks of digital financial services, and the importance of responsible and sustainable fintech utilization. The harmonization of roles among stakeholders proved effective in strengthening educational outcomes and increasing MSMEs’ awareness of prudent digital financial practices. This program is expected to serve as an initial collaborative model for strengthening fintech literacy to support sustainable business development in the Society 5.0 era.
Co-Authors Agus Maolana Hidayat Akhmad Yunani Akram, Putra Tri Alviera Putri Amelia, Intan Annisa Salsabilla Azhar, Eva Nuurul Budi Rustandi Kartawinata Cahyaningsih Cahyaningsih Ceuceu Diana Putri Darnaufal, Mochamad Dematria Pringgabayu Dewi Aprilia Elza Maharani Albama Eva Nuurul Azhar Fazreen, Adinda Gede Wira Wasistha Hanung Tyas Saksono I Nyoman Bontot Ismaya Adriyanti Kausar Fattah Akhsan Kurnia, Najwan Fakhrin Maulana, Eza Rivaldy Mochamad Zidan Pamungkas Muhamad Hozali Mutiara Shofrina Neya Maulia Armatya Nursafarina, Aulia Pamungkas, Mochamad Zidan Putra Tri Akram Putri Amalia Putri Amalia Putri Dwi Rusliani Rafly Bintang Pramudya Reshinta Indah Syafiera Riza Andrian Septian Riza Andrian Septiani Salsabilla, Zida Naela Sanoyo, Ario Menak Selma Willany Telaumbanua Sherly Artadhita Sherly Artadita Sudarso Kaderi Wiryono Taufiq, Hilmawan Tifanisyaffa, Azelika Yogi Suprayogi Sugandi Yulia Nur Hasanah Yunieta Anny Nainggolan Zidane, Muhammad zuari, irsal