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All Journal Jurnal Pengabdian UNDIKMA Review of Management, Accounting, and Business Studies Jukerdi: Jurnal Kewirausahaan Cerdas Dan Digital
Muhammad Luthfi Hamdani
Politeknik Akbara
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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The effect of business digitalization, technology utilization, and financial literacy on the sustainability of MSMEs in Surakarta Muhammad Luthfi Hamdani; Naili Amalia
Review of Management, Accounting, and Business Studies Vol. 3 No. 2 (2022)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v3i2.4841

Abstract

Micro and Small Enterprises (MSMEs) constitute one of the business categories forming the backbone of the national economy, including in the city of Surakarta, Central Java. According to data from the Central Bureau of Statistics (BPS) in 2019, Surakarta had 1,863 micro and small business actors, employing 42,962 workers. The continuity of SMEs is anticipated to play a crucial role in strengthening the community's economy. Against this backdrop, this study aimed to analyze the impact of business digitalization, technology use, and financial literacy on the sustainability of SMEs in Surakarta. The research employed a quantitative approach, with data analysis conducted using multiple linear regression tests. The results revealed that the independent variables of business digitalization, technology use, and financial literacy each had a significant positive effect on business sustainability individually. Simultaneously, all three variables significantly influenced business sustainability. Based on these findings, it is recommended that future SMEs focus on enhancing their business digitalization, technology use, and understanding of financial literacy.
Peran Literasi Digital dan Finansial serta Dukungan Institusi terhadap Minat Wirausaha Mahasiswa Muhammad Luthfi Hamdani
Jurnal Kewirausahaan Cerdas dan Digital Vol. 2 No. 6 (2025): Desember: Jurnal Kewirausahaan Cerdas dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jukerdi.v2i6.1142

Abstract

The rapid development of digital technology and the increasing demand for entrepreneurial competence in higher education require students to possess adequate digital literacy and financial literacy, as well as obtain continuous institutional support to shape and strengthen their entrepreneurial interest. This study aims to empirically analyze the influence of digital literacy, financial literacy, and institutional support on the entrepreneurial interest of students in the Islamic Business Management Study Program at the Faculty of Economics and Islamic Business, UIN Raden Mas Said Surakarta. A quantitative approach was used, involving 75 respondents selected through accidental sampling, while the research data were analyzed using multiple linear regression. The results of the study indicate that all three independent variables have a positive and significant effect on students' entrepreneurial interest, with the model contributing 42.7%. These findings highlight the importance of integrating digital competencies, effective financial management, and a supportive campus ecosystem to foster students' entrepreneurial intentions. This study provides practical implications for higher education institutions to strengthen curricula, learning facilities, and mentoring programs aimed at developing young, digitally-driven, and sustainable entrepreneurs.
Strengthening Risk Management Capacity through ISO 31000-Based Assistance and Risk Register Development: A Case Study of Idola Cookies MSME Naili Amalia; Ida Ayu Fatmayuni; Muhammad Luthfi Hamdani
Jurnal Pengabdian UNDIKMA Vol. 7 No. 4 (2026): November (IN PRESS)
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v7i4.23034

Abstract

Idola Cookies, a bakery micro, small, and medium-sized enterprise (MSME) in Jatimulyo Village, Klaten, Indonesia, shifted from a made-to-order business model to supplying 2,000–3,000 loaves per product type in each production cycle for the Free Nutritious Meals (MBG) program, while also fulfilling seasonal demand during Ramadan. This expansion increased the business's exposure to risks associated with production capacity, workforce availability, equipment, raw material supplies, product quality, food safety, and cash flow. However, the owner had no prior knowledge or experience in implementing a formal risk management framework. This community service program aims to introduce risk management principles and strengthen the MSME's capacity to manage business risks through hands-on assistance in developing a risk register based on ISO 31000:2018. The program involved introducing risk management principles, assisting the owner in establishing the business context and risk criteria, identifying risk sources and events, analysing and evaluating risks, and formulating appropriate risk treatment strategies. Program evaluation was conducted through observation, interviews, and an assessment checklist to assess partner participation, understanding, and the completeness of the resulting risk register. Data were analysed descriptively and qualitatively, while risk levels were determined using a 5 × 5 likelihood–impact matrix. The program resulted in a risk register documenting 18 risks across eight categories, comprising six very high, eight high, and four medium risks. Five risk treatment strategies were formulated: avoidance, reduction, transfer, deferral, and retention, with risk reduction emerging as the predominant strategy. The resulting risk register provides an initial practical framework for incorporating risk considerations into routine business decisions and promoting more systematic business management.
Co-Authors Ida Ayu Fatmayuni Naili Amalia