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All Journal International Journal of Digital Entrepreneurship and Business (IDEB) Jurnal Pengabdian Masyarakat
Luna Haningsih
Universitas Mercu Buana
Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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The Behavioral Finance of MSME in Indonesia: Financial Literacy, Financial Technology (Fintech), and Financial Attitudes Fadilah Siti Rahayu; Asep Risman; Iwan Firdaus; Luna Haningsih
International Journal of Digital Entrepreneurship and Business Vol 4 No 2 (2023): International Journal of Digital Entrepreneurship and Business (IDEB)
Publisher : STIE-JIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52238/ideb.v4i2.127

Abstract

The study investigates the critical factors affecting financial behavior in Micro, Small, and Medium Enterprises (MSMEs). It analyzes the role of financial literacy, attitudes, and financial technology (Fintech) on financial management behavior among 1.1 million DKI Jakarta MSME stakeholders in 2020 through random sampling. The study reveals that heightened financial literacy positively influences financial management behavior. A solid foundation in financial knowledge, encompassing personal and corporate finance, leads to improved financial practices. This validates theories about cognitive biases, heuristics, and practical financial decision-making. Additionally, it emphasizes the pivotal role of positive financial attitudes in shaping financial management behavior. Stakeholders with constructive attitudes, such as financial self-control and proactive financial approaches, make sound financial decisions. This aligns with theories of planned behavior, which underscore attitudes in guiding future financial actions. Conversely, the influence of financial technology (Fintech) on MSME financial behavior is limited, primarily due to a lack of awareness and understanding among small and micro-enterprise operators regarding Fintech products and services. This study underscores the importance of promoting financial literacy, nurturing positive financial attitudes, and enhancing Fintech awareness among MSMEs. It offers actionable insights for policymakers, financial institutions, and business support organizations, enabling them to bolster MSMEs’ financial knowledge and practices, thereby supporting their role as economic powerhouses.
PELATIHAN KETERAMPILAN PEMBUATAN LAPORAN KEUANGAN DENGAN APLIKASI  BUKUWARUNG PADA UMKM DI KELURAHAN TEGAL PARANG – JAKARTA Luna Haningsih; Anik Herminingsih; Retno Purwani Setyaningrum
BESIRU : Jurnal Pengabdian Masyarakat Vol. 1 No. 7 (2024): BESIRU : Jurnal Pengabdian Masyarakat, Juli 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/qp92yk72

Abstract

Tahun demi tahun, UKM terus menghadapi kendala yang sama dalam memperoleh pendanaan untuk mendukung dan memperluas operasi mereka. Permasalahan dalam penyediaan modal mencakup ketidakmampuan UKM mendapatkan informasi tentang sumber pendanaan dan ketidaktahuan mereka mengenai prosedur dalam melakukan hal tersebut. TIM PKM UMB berupaya mendampingi UKM di Kecamatan Tegal Parang, Jakarta Selatan, dengan memberikan pendampingan dan bimbingan agar UKM dapat memperoleh pendanaan melalui berbagai instansi. UKM di bidang ini juga mempunyai tantangan serupa dalam memperoleh tambahan dana untuk memperlancar kegiatan usahanya. Tujuan utama kegiatan ini adalah untuk mengajarkan peserta bagaimana menggunakan program Buku Warung untuk membuat laporan keuangan, yang merupakan persyaratan untuk mengajukan pinjaman.
Co-Authors Anik Herminingsih Asep Risman Fadilah Siti Rahayu Iwan Firdaus Retno Purwani Setyaningrum