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All Journal Mattawang: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat (ABDIRA)
Osni Erza
Universitas Trisakti
Aerospace Engineering Humanities Computer Science & IT Education Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences Other

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Ultra-Micro Financing Literacy for KSBI MSME Entrepreneurs Dini Hariyanti; Osni Erza; Khairunnisa
Mattawang: Jurnal Pengabdian Masyarakat Vol. 6 No. 4 (2025)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang4369

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting Indonesia’s national economy. However, one of the major challenges for MSMEs—especially ultra-micro businesses—is their low level of financial literacy, which limits access to formal financing. This community service program aims to increase ultra-micro financing literacy among members of Komunitas Sukses Berjamaah Indonesia (KSBI). The program applied a community-based empowerment approach using Participatory Action Research (PAR) and involved 20 ultra-micro entrepreneurs in South Jakarta. Activities included initial observation, Focus Group Discussions, financial literacy training, financing application simulations, technical mentoring, and evaluation through pre-test and post-test. The results showed an increase in participants’ understanding from an average of 41.4% to 60.2%, reflecting a 45% improvement. Beyond knowledge gains, the program also facilitated the formation of a community financial literacy team and the emergence of local leaders who play a key role in ensuring program sustainability. These findings demonstrate that community-based financial literacy education can effectively expand access to formal financing for ultra-micro enterprises. Replicating similar programs in other communities has strong potential to strengthen economic independence and promote financial inclusion.
Optimalisasi Pemasaran Digital UMKM Desa Munjul melalui Penguatan Koperasi Merah Putih sebagai Strategi Ekonomi Lokal Berkelanjutan Syofriza Syofyan; Reno Pratiwi; Arief Fadhilah; Osni Erza; Riski Pratama Novianto; Obinata Ridho Abdilah
Jurnal Pengabdian Masyarakat (ABDIRA) Vol 6, No 2 (2026): Abdira
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/abdira.v6i2.1727

Abstract

This Community Service (PkM) activity aims to enhance the digital marketing capacity of Micro, Small, and Medium Enterprises (MSMEs) in Munjul Village, Ciambar District, Sukabumi Regency through strengthening the role of the Koperasi Merah Putih. Munjul Village has local economic potential based on cassava-based products; however, the utilization of digital technology for marketing remains limited. The implementation methods included field surveys, digital literacy training, assistance in creating social media and marketplace accounts, and institutional strengthening of the cooperative as an integrated digital marketing center. The results indicate an improvement in participants’ knowledge and skills in digital marketing, the establishment of business social media accounts, and the ability to create simple promotional content. Approximately 80% of participants understood the benefits of social media in increasing sales and the cooperative’s role in collective promotion, while 90% stated that the program was beneficial for strengthening sustainable local economic development. Overall, the evaluation shows increased knowledge, understanding, and skills in cooperative-based digital marketing toward a sustainable village economy.
Co-Authors Arief Fadhilah Dini Hariyanti Khairunnisa Obinata Ridho Abdilah Reno Pratiwi Riski Pratama Novianto Syofriza Syofyan