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All Journal MIX : Jurnal Ilmiah Manajemen Aptisi Transactions on Technopreneurship (ATT) Jurnal Tata Kelola dan Kerangka Kerja Teknologi Informasi BERNAS: Jurnal Pengabdian Kepada Masyarakat International Journal of Business, Law, and Education International Journal of Community Service International Journal of Community Service (IJCS) Jurnal Administrasi Publik dan Bisnis (JaPaBis) Journal of Artificial Intelligence and Digital Business Journal of Community Service and Society Empowerment Indonesian Journal of Studies on Humanities, Social Sciences and Education
Rahma Wahdiniwaty
Universitas Komputer Indonesia
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Journal : International Journal of Community Service

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Increasing Financial Inclusion for Coffee Farmers through Fintech Education and Implementation in Lembang Yani Syafei, M.; Wahdiniwaty, Rahma; Pranata, Sudadi
International Journal Of Community Service Vol. 5 No. 2 (2025): May 2025 (Indonesia - Malaysia - Timor-Leste)
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v5i2.848

Abstract

Financial inclusion plays a crucial role in improving the economic resilience of smallholder farmers, particularly in rural areas with limited access to formal financial services. This community engagement program aimed to enhance financial literacy and promote fintech adoption among coffee farmers in Lembang. The initiative included structured training sessions, fintech demonstrations, and collaboration with agricultural cooperatives to ensure sustainable financial education. The results indicated a significant improvement in farmers’ understanding of financial management, budgeting, and digital financial tools. Many participants successfully adopted mobile banking, digital payments, and fintech-based lending solutions, reducing their reliance on informal credit sources. The involvement of cooperatives facilitated the dissemination of financial knowledge beyond the initial participants, contributing to long-term sustainability. However, challenges such as digital literacy gaps among older farmers and limited internet infrastructure in remote areas were identified as barriers to widespread fintech adoption. To address these issues, continuous financial literacy programs, mentorship initiatives, and infrastructure improvements are recommended. This study highlights the potential of fintech solutions in bridging financial access gaps and empowering rural farmers with better financial decision-making capabilities. Future initiatives should focus on expanding fintech services to include agricultural insurance and investment options, ensuring a more comprehensive approach to financial inclusion in the agricultural sector.
Strengthening Human Resources of Msmes And Cooperatives Through Counseling and Joint Dialogue In Cianjur Regency Pranata, Sudadi; Susilawati, Erna; Amroni, Amroni; Febriansyah, Angky; Komara, Nandang; Musrifah, Ai; Yani Syafeí, M; Wahdiniwaty, Rahma
International Journal Of Community Service Vol. 5 No. 4 (2025): November 2025 ( Indonesia - Thailand - Malaysia - Timor Leste - Philippines )
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v5i4.942

Abstract

Strengthening human resources (HR) in the MSME and cooperative sectors is an important aspect of enhancing local economic competitiveness, including in Cianjur Regency. MSMEs and cooperatives as main drivers of the people's economy often face various obstacles such as weak managerial capabilities, limited financial literacy understanding, and restricted use of digital technology in running their businesses. These problems cause productivity and business sustainability to be less than optimal. To address these issues, a Community Service activity titled “Strengthening MSME and Cooperative HR through Counseling and Joint Dialogue in Cianjur Regency” was carried out by lecturers and students from several universities in Indonesia. The activities were conducted through counseling methods, group discussions, and interactive dialogues involving MSME actors, cooperative administrators, regional officials, and relevant stakeholders. The materials delivered included business management, financial literacy, digital marketing strategies, and strengthening partnership networks between business actors and supporting institutions. This Community Service activity was enthusiastically attended by participants who gained new understanding in managing businesses professionally, innovatively, and adaptively to digital development. This program is expected to increase the capacity of MSME and cooperative HR, strengthen collaboration among economic actors, and encourage the creation of economic independence and community welfare in Cianjur Regency sustainably.
Co-Authors Agustian, Aryanti Agustin, Nada Delia Akhifin Al Ammar, Muhammad Rasyid Amroni, Amroni Aprilianti, Dhiani Aqsha, Muhammad Farhan Ardelia, Petrina Prada Azhari, Andressa Noviar Azuari, Santaril Bachtiar, Adam Mukharil Budi Hermawan Catur Pamuji, Geraldi Dhimas Tribuana Eddy Soeryanto Soegoto Eeng Ahman, Eeng Fakbua, Nidanuch Farhan Aqsha, Muhammad Fauzi, Gian Mochamad Favorit Makbul, Aktris Monika Febriansyah, Angky Firmansyah, Deri Hafizh, Rafa Aleryan Haryadi, Yudi Hendar Rubedo Keawkanya, Chutima Komara, Nandang Masduki musrifah, ai Nur, Hafni Rizanuddin Nurdiansyah, Deni Nurjaman, Maman Pranata, Sudadi Puri Swastika Gusti Krisna Dewi Putra, Yeffry Handoko Rael Astillero, Marlon rahmadhani, Linda Rahman, Alif Dzakir Saputra, Ade Indra Shiha, Osama Soegoto, Herman S Sumitra, Irfan Dwiguna Susilawati, Erna Syafei, M. Yani Syafei, Yani Umiyati, Hesti Wahab, Deden A Wulandari, Anna Yani Syafeí, M Yani Syafei, M. Zarman, Wendi