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All Journal Biota: Jurnal Ilmiah Ilmu-Ilmu Hayati Jurnal Bioterdidik: Wahana Ekspresi Ilmiah PROCEEDING IC-ITECHS 2014 Jurnal Biolokus: Jurnal Penelitian Pendidikan Biologi dan Biologi Martabe : Jurnal Pengabdian Kepada Masyarakat BIOEDUSAINS: Jurnal Pendidikan Biologi dan Sains ALGORITMA : JURNAL ILMU KOMPUTER DAN INFORMATIKA KLOROFIL: Jurnal Ilmu Biologi dan Terapan JISTech (Journal of Islamic Science and Technology) JURNAL PENDIDIKAN TAMBUSAI Jurnal Basicedu Jurnal EDUCATIO: Jurnal Pendidikan Indonesia MONSU'ANI TANO Jurnal Pengabdian Masyarakat SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Jurnal Pembelajaran dan Biologi Nukleus Best Journal (Biology Education, Sains and Technology) Bionatural: Jurnal Ilmiah Pendidikan Biologi INFOKUM Spizaetus: Jurnal Biologi dan Pendidikan Biologi Eduproxima : Jurnal Ilmiah Pendidikan IPA Journal of Education and Teaching Learning JURNAL BIOSHELL BINOMIAL : Jurnal Pendidikan Biologi Journal of Biology Learning KLOROFIL: Jurnal Ilmu Biologi dan Terapan Bioscientist : Jurnal Ilmiah Biologi Jurnal Teknologi Pendidikan : Jurnal Penelitian dan Pengembangan Pembelajaran Mimbar Kampus JagoMIPA: Jurnal Pendidikan Matematika dan IPA SCIENCE : Jurnal Inovasi Pendidikan Matematika dan IPA Proceedings of International Conference on Multidiciplinary Research Jurnal Pendidikan dan Ilmu Sosial Journal of Educational Sciences Jurnal Basicedu Pendekar: Jurnal Pendidikan Berkarakter Serambi Engineering Unnes Science Education Journal Jurnal Pendidikan MIPA Jurnal UNIV.BI MENGABDI
Khairuna Khairuna
Fakultas Ilmu Tarbiyah Keguruan, Universitas Islam Negeri Sumatera Utara
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Journal : PROCEEDING IC-ITECHS 2014

 1 
Digital Financial Strategies in Managing SMEs to Maximize Profitability Alamsyah, Wahyu; Yulianti, Rahmah; Khairuna, Khairuna; Nurhayati, Rasyedia; Masyitah, Masyitah
IC-ITECHS Vol 5 No 1 (2024): IC-ITECHS
Publisher : LPPM STIKI Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32664/ic-itechs.v5i1.1607

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy. However, they continue to face significant challenges in financial management. Key issues include a lack of financial literacy, manual record-keeping prone to errors, limited access to formal financial services, and minimal adoption of digital technology. These obstacles often lead to operational inefficiencies, data-less decision-making, and low market competitiveness. Digital financial solutions emerge as innovative tools to address these challenges. By leveraging digital technology, MSMEs can enhance operational efficiency, accelerate transactions, support strategic decision-making, and improve access to formal financial services. This article explores various benefits of digital financial solutions, ranging from financial transparency and cost savings to the potential for significantly increasing profitability. Additionally, the article presents practical and relevant digitalization strategies for MSMEs, including step-by-step adoption approaches and case studies of successful MSMEs that have embraced technology. Through the use of illustrations such as graphics, flowcharts, and real-world examples, this article aims to provide actionable and inspiring insights for MSME players in optimizing digital finance. By doing so, MSMEs can achieve sustainable business practices and improve competitiveness in the digital economy era.
Co-Authors Abd. Rasyid Syamsuri Abdul Halim Hasugian Adek Indah Aryati Hasibuan Adi Hartono ADLINI , MIZA NINA Agus Triana Ahmad Maulana Nasution Ahyar, Muhammad Amelia, Suhaila Anas, Nirwana Anggraini, Ade Sekar Anggraini, Tri Vanesa Anisa Mayari, Filzah Asnariza, Asnariza Asni Amelia Daulay Aulia, Ayu Riski Ayu Indah Lestari Ayu Indah Lestari Azki, Salmiyani Azura, Dedek Chairani, Eka Deni Puspita Sari Erna Suyanti Filzah Anisa Mayari Fitriah Fitriah Fitriah Fitriah Handayani, Mawaddah Harahap, Yulia Fatma Hardiansyah, Dadang HARTONO, ADI Haryani, Putri Hasibuan, Nadya Wahyuni Herayanti, Lissa Herni, Zulfiana Husnarika Febriani Husnarika Febriani Husnarika Febriani, Husnarika Indayana Febriani Tanjung Indayana Febriani Tanjung Indayana Febriani Tanjung, Indayana Febriani KHAIRANI, MIFTAHUL Khairanti, Dita Khairuddin Khairuddin Lailatun Nur Kamalia Siregar Lina Naigolan, Lita Angel Lissa Herayanti LUBIS, NOVITA SARI Manalu, Kartika Marbun, Nurhasanah Masdelina Sipahutar Masyitah Masyitah Maulidya Nurliana Mawaddah Handayani Mira Wahyuni, Mira Miza Nina Adlini Muhammad Ardiansyah Muhammad Ardiansyah Mukhdasir, Mukhdasir Munthe, Dea Wahdania Naibaho, Amanda Nurul Aisyah Nasution, Rian Abdillah Nelly Yulida Lubis Nina Adlini, Miza Nirwana Anas Novani, Suci Nur Aisyah Pulungan Nurhasanah Marbun Nurhayati, Rasyedia Prasia, Cindi PUJI LESTARI Purnama Sari Vinia, Wulan Puspita Sari Puspita Sari, Deni Rahmadina, Rahmadina Rahmah Yulianti, Rahmah Ramadhani, Safira Rambe, Riris Nurkholidah Rambe, Santi Ariani Reflina Reflina Rian Abdillah Nasution Rita Nengsih Rohani Rohani Rosalvin, Suqya Rahmah Rosyidah Safira Ramadhani Safira Ramadhani SAL, Sumayyah Samsul Santi Santi Sari Fatmawati Sari Tambunan, Efrida Pima Sari, Yunika Selvi Sinta Wahyuni Siahaan, Shalsabila Sipahutar, Annisyah Putri Amalia Siti Fatimah Siti Fauziah Soraya Grabiella Dinamika Sriani Sriani Suci Novani Suci Ramadhani Rangkuti Suryani, Ira Syarifah Widya Ulfa Tambunan, Sari Putri Ramadani Tengku Sri Ulandari Triase Triase Ummi Nur Afinni Dwi Jayanti WAHYU ALAMSYAH, WAHYU wahyuni wahyuni Wulan Purnama Sari Vinia Wulandari, Hani Yana, Elis Yuli Surya Rezeki Hutagalung Yusuf Ramadhan Nasution Yusuf Ramadhan Nasution