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All Journal EKUIVALEN - Pendidikan Matematika Jurnal Ekonomi : Journal of Economic Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat Journal of Accounting and Investment POLYGLOT Jurnal Sains Komunikasi dan Pengembangan Masyarakat [JSKPM] Minda Baharu M A T H L I N E : Jurnal Matematika dan Pendidikan Matematika Jurnal Fokus Elektroda : Energi Listrik, Telekomunikasi, Komputer, Elektronika dan Kendali Edutourism : Journal Of Tourism Reseach Jurnal Darma Agung Fokus Elektroda: Energi Listrik, Telekomunikasi, Komputer, Elektronika dan Kendali) Jurnal Industri Pariwisata Jurnal Ilmiah Manajemen dan Kewirausahaan Satwika: Jurnal Pengabdian kepada Masyarakat Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Pendidikan dan Perhotelan Jurnal Mata Pariwisata Melior : Jurnal Riset Pendidikan dan Pembelajaran Indonesia Majority Science Journal Kesatria : Jurnal Penerapan Sistem Informasi (Komputer dan Manajemen) JALC : Journal of Applied Linguistics and Studies of Cultural Jihapenmas Jurnal Pengabdian Masyarakat SAPANGAMBEI MANOKTOK HITEI GENIUS: Jurnal Inovasi Pendidikan dan Pembelajaran PESHUM Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Jurnal Ilmiah Manajemen Dan Kewirausahaan Lestari: Jurnal Pengabdian Kepada Masyarakat
Rahmat Darmawan, Rahmat
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Journal : Majority Science Journal

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FINANCIAL GOVERNANCE TRAINING FOR SMEs BINJAI TOFU VILLAGE: BUILDING A FOUNDATION TOWARDS EDUCATIONAL TOURISM VILLAGE IN NORTH SUMATRA Ngatemin, Ngatemin; Emrizal, Emrizal; Darmawan, Rahmat; Rosari, Dina
MSJ : Majority Science Journal Vol. 3 No. 4 (2025): MSJ-November
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/msj.v3i4.490

Abstract

This study aims to analyze the effectiveness of financial governance training in improving the capacity of MSMEs in Kampung Tahu, Binjai, as a foundation for developing educational tourism villages in North Sumatra. The training focused on improving financial literacy, structured record-keeping practices, separating business and personal finances, and adopting simple financial technology. The methods used were pre-test and post-test surveys, observations, and focus group discussions with a purposively selected sample of 20 MSMEs. Furthermore, data analysis was conducted using the Structural Equation Modeling Partial Least Square (SEM PLS) approach to test the effect of training, financial literacy, technology adoption, and mentoring on financial governance implementation. The results showed a significant increase in financial literacy scores, record-keeping practices, and financial separation after the training. However, adoption of digital financial applications remains limited due to digital literacy and infrastructure constraints. GAP analysis demonstrates the need for ongoing mentoring, infrastructure strengthening, and multi-stakeholder collaboration to bridge the gap between actual and ideal conditions. This training is recommended as a model for developing the capacity of MSMEs based in educational tourism villages, particularly in rural areas facing similar challenges.
Co-Authors Abdul Kadir Ritonga Abdullah, Muhammad Nur Abrar Achmad, Rifan Ahmad Taqwa Aisyianita, Revi Agustin Al Cuza Adnan Kadar, Raka Ali, A Muh Ali, A. Muh. Andika Andika Andini, Fatinah Rafa Anggita Wulandari, Anggita Anna Fatchiya Annisa, Siti Yumna Ardiansyah , Rian Ari Apriyansa Arneta, Yaumi Arfah Noor Bobby Hartanto Chinsy K, Imelda Cittaro, Michael Dadang Sukandar Dewi Nurmala Eka Ary Wibawa Emrizal Endri, Jon Erfinda, Yosi Furuhita, Nadia Hayyu Gumarpi Rahis Pasaribu Harjanti Widiastuti Has, Dini Hardiani Hasan, Rinie Octaviany Hatibu, Hardiyanti Hidayat, 8Rian Aulia Jayawarsa, A.A. Ketut L., Rifhani Handayani Lubis, Mhd Ridho Akbar Lumban Tobing, Maria Magdalena Marsuki, Andika Martin Siagian, Roy Maspuha, Isnaeni Hotimatan Maulana, 6Muhamad Fathan Mulyani, Heni Musa Hubeis Nasib Marbun Nasir Nasir Nasir, A. Muhajir Nasir, A. Muhajir Nasrullah, Muh. Nasution, Roni Nasution, Umar Hamdan Natsir, Sitti Zahra Mulianti Ngatemin, Ngatemin Prihatantyo, Muhammad Purba, Rakhmawati Putri, Siti Nurliani Rahman, Hardianto Rianto, Ratu Hanna Siti Maheswari Rifhani Handayani L Riri Syafitri Lubis Rizqi Ilyasa Aghni Rosari, Dina Sarim, Sarim Sayidiman Sayidiman, Sayidiman Shabrina, Fadhilah Siahaan, Rumiris Simanjuntak, Widya Octovia Rini Sinurat, Mangasi Sitinjak, Rivawaty Maretina Sutan Sahala Muda Marpaung Talitha Ananda Nadine Telly Chammellia, Salsabilla Tondang, Bahagia Ucu Cahyana Untailawan, Tamaya Cethsa Gloria Untailawan, Zalfa Wianda Tamaya Cethsa Gloria Victor Victor Yanuardi, M. Hasmi Zarni Adia Purna