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All Journal Al-MIKRAJ: Jurnal studi Islam dan Humaniora Hikamatzu Journal of Multidisciplinary Research
Liza Ulfiana
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Pengaruh Pengelolaan Keuangan, Literasi Keuangan Dan Permodalan Terhadap Kinerja Keuangan Umkm Di Kota Pekanbaru Al Putri Oktavia; Liza Ulfiana; Arif Mahasin Sondani
AL-MIKRAJ Jurnal Studi Islam dan Humaniora (E-ISSN 2745-4584) Vol. 6 No. 1: Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v6i1.9040

Abstract

This study aims to determine the influence of financial management, financial literacy, and capital on the financial performance of MSMEs in Pekanbaru City. The sample size was 98 MSMEs registered with the Cooperatives Office from various sectors. The test instruments used were validity and reliability tests, multiple regression, simultaneous tests, and determination tests.
Meningkatkan Literasi Dan Inklusi Keuangan Digital Melalui Pemahaman Dasar Tentang Fintech Bagi Keluarga  Penerima Manfaat PKH Nurhayati Lubis; Nurhayanti; M. Wahyu Pratama Putra; Liza Ulfiana
Hikamatzu | Journal of Multidisciplinary Vol. 3 No. 1 (2026): Multidisciplinary Approach
Publisher : Hikamatzu | Journal of Multidisciplinary

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The advancement of digital financial technology has transformed the distribution of social assistance programs, including the Family Hope Program (Program Keluarga Harapan/PKH), which increasingly relies on digital financial services. This shift requires PKH beneficiaries to have adequate digital financial literacy and a basic understanding of financial technology (fintech) to independently and securely access and manage assistance funds. However, limited digital financial literacy among beneficiaries remains a significant challenge, potentially hindering program effectiveness and increasing the risk of transaction errors and digital fraud. This Community Service Program (Pengabdian kepada Masyarakat/PKM) aims to enhance digital financial literacy and inclusion by providing fundamental fintech education to PKH beneficiaries. The program employed a participatory and educational approach through stages of preparation, education and socialization, mentoring, and evaluation. Activities were conducted in selected villages and urban areas involving PKH facilitators and local government partners. The results demonstrate improved participants’ understanding of basic fintech concepts, utilization of digital financial services, and awareness of transaction security and personal data protection. This program is expected to support sustainable financial inclusion and promote greater independence among PKH beneficiaries in managing social assistance funds effectively and responsibly.
Co-Authors Al Putri Oktavia Arif Mahasin Sondani M. Wahyu Pratama Putra Nurhayanti Nurhayati Lubis