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All Journal Jurnal Manajemen Jurnal Pengabdian Masyarakat Bidang Sosial dan Humaniora
Siti Maulina
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Peningkatan Pemahaman dan Adopsi Teknologi Keuangan pada UMKM melalui Program Pengabdian di Kota Samarinda Muhammad Astri Yulidar Abbas; Siti Maulina; Putri Indardaini
ABDISOSHUM: Jurnal Pengabdian Masyarakat Bidang Sosial dan Humaniora Vol. 4 No. 2 (2025): Juni 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/abdisoshum.v4i2.5841

Abstract

This Community Service (Pengabdian kepada Masyarakat) aims to enhance the understanding and adoption of financial technology (fintech) among Micro, Small, and Medium Enterprises (MSMEs) in Samarinda City. Advances in fintech, such as digital wallets, peer-to-peer lending, and digital payments, offer significant potential to improve capital access, operational efficiency, and expand MSMEs' market reach. However, varying digital and financial literacy often becomes a primary obstacle to utilizing these innovations. Using a qualitative approach, this study involves in-depth interviews with several MSME actors across various sectors. The data collected includes their perceptions of fintech's benefits and risks, usage experiences, and encountered challenges, such as data security issues and interface complexity. The results of this Community Service are expected to provide a comprehensive overview of the fintech understanding profile of Samarinda's MSMEs. Strategic recommendations will be formulated for local governments, financial institutions, and fintech service providers to design more relevant and inclusive educational programs, aiming to foster sustainable digital financial inclusion within the MSME sector.
Systematic Literature Review (SLR) : Dampak Financial Technology dan Literasi Keuangan pada Kinerja Keuangan Usaha Mikro Kecil Menengah di Kalimantan Timur Muhammad Astri Yulidar Abbas; Hutauruk, Martinus Robert; Sri Wahyuti; Siti Maulina; Putri Indardaini
MAMEN: Jurnal Manajemen Vol. 4 No. 3 (2025): Juli 2025
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v4i3.5859

Abstract

This study aims to analyze the impact of the use of financial technology (fintech) and financial literacy on the financial performance of micro, small, and medium enterprises (MSMEs) in East Kalimantan. Micro, Small, and Medium Enterprises (MSMEs) in East Kalimantan have an important role in supporting the regional economy, especially in supporting the acceleration of the development of the Indonesian Capital City (IKN). However, MSMEs face various challenges in improving their efficiency and financial performance. Empirically, research shows that MSMEs that adopt fintech experience increased access to financing and efficiency of financial transactions. Using the Systematic Literature Review (SLR) approach, this study integrates findings from various relevant previous studies to identify the relationship between fintech, financial literacy, and MSME performance. Fintech has been shown to provide wider and more efficient access to financing, while financial literacy allows MSMEs to manage their finances better. This study also explores secondary data on the level of fintech adoption and financial literacy in East Kalimantan to provide in-depth local context. The results of the study are expected to contribute to the development of policies that support the digital transformation of MSMEs and increase the competitiveness of the local economy in the digital era.
Co-Authors Hutauruk, Martinus Robert M. Astri Yulidar Abbas Putri Indardaini Sri Wahyuti