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STRATEGI EDUKASI LITERASI KEUANGAN DIGITAL BAGI SEKTOR UMKM: SEBUAH TINJAUAN LITERATUR Rini Hasanah; Hery Irawan
Tarbawi Vol. 13 No. 2 (2025): TARBAWI
Publisher : STIT Darul Hijrah Martapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62748/65kt0r84

Abstract

The development of digital financial technology has driven changes in the management of micro, small, and medium enterprises (MSMEs). However, low levels of digital financial literacy remain a barrier for MSME actors in utilizing digital financial services optimally and safely. This study aims to analyze and synthesize various digital financial literacy education strategies that can be applied to the MSME sector. The research uses a Systematic Literature Review (SLR) method with a descriptive qualitative approach. Data were obtained through article searches in the Google Scholar database using the Publish or Perish application with the keywords "digital financial literacy," "MSMEs," and "education strategies." The selection process was conducted based on inclusion and exclusion criteria, resulting in 24 relevant articles for analysis. The findings indicate that digital financial literacy plays an important role in improving financial management capabilities, utilization of financial technology, and the sustainability of MSME businesses. Education strategies that are commonly applied include digital applications, human resource capacity building, and the integration of financial literacy with digital literacy and business management. The research findings show that education strategies that are practical, sustainable, and supported by digital technology utilization have higher effectiveness in improving the digital financial literacy of MSME actors. This study is expected to serve as a reference for the government, financial institutions, and educational institutions in designing more effective and sustainable digital financial literacy education programs for the MSME sector.
OPTIMALISASI BIAYA TRANSPORTASI AUDIT UNTUK PENINGKATAN EFISIENSI PT KETENAGALISTIKAN XYZ Ardhani; Hery Irawan
Integrative Perspectives of Social and Science Journal Vol. 3 No. 06 Juni (2026): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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Abstract

Penugasan Tim Auditor ke lokasi audit secara efisien menjadi tantangan penting bagi PT Ketenagalistrikan XYZ, terutama ketika keterbatasan jumlah tim, kompleksitas biaya perjalanan, serta variabel level menejemen anggota tim yang harus melakukan audit terkait Sistem Mnajemen Terintegrasi karena memiliki unit kerja yang tersebar di seluruh Indonesia. Penelitian ini bertujuan untuk mengoptimalkan kombinasi penugasan tim auditor ke berbagai lokasi audit dengan total biaya operasional terendah. Metode yang digunakan meliputi Northwest Corner (NWC) Rule dan Vogel’s Approximation Method (VAM) untuk optimalisasi solusi. Biaya optimalisasi yang didapatkan dari kedua metode sama yaitu sebesar Rp. 471.112.748. Hasil tersebut membuktikan bahwa biaya yang digunakan untuk audit dengan pembagian tersebut sudah optimal.
Implementasi Failure Mode And Effect Analysis (FMEA) untuk Mengurangi Defect pada Proses Instalasi Electrical Modular Building Substation Hasibuan, Erlinda Pebri; Irawan, Hery
Integrative Perspectives of Social and Science Journal Vol. 3 No. 07 Juli (2026): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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Abstract

Penelitian ini bertujuan mengidentifikasi defect pada proses instalasi electrical modular building substation serta menentukan prioritas perbaikan menggunakan metode FMEA. Penelitian dilakukan di PT ABC Indonesia pada proyek EACOP. Hasil penelitian menunjukkan tingkat defect masih melebihi standar perusahaan, dengan cacat dominan pada pemasangan cable lug. Analisis FMEA mengidentifikasi improper cable lug installation sebagai risiko tertinggi dengan nilai RPN 504. Perbaikan difokuskan pada peningkatan pengawasan, standarisasi prosedur, dan penguatan pengendalian kualitas untuk meningkatkan keandalan proses instalasi electrical.