Daengku: Journal of Humanities and Social Sciences Innovation
Vol. 6 No. 3 (2026)

Designing a Pocket Finance App to Empower Indonesian MSMEs: An Innovative Approach

Nurul Aisyah Rachmawati (Universitas Trilogi)
Rizka Ramayanti (Universitas Trilogi)
Rudi Setiawan (Universitas Trilogi)



Article Info

Publish Date
19 Jun 2026

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in economic development; however, many face difficulties in preparing accurate financial and tax reports due to limited human resources, inadequate accounting expertise, and fragmented reporting systems. Although accounting information systems have been widely adopted to support financial management, applications that integrate both financial and tax reporting functions remain limited. This study aims to develop AccounTax, a cloud-based application that integrates financial and tax reporting to support MSME compliance and operational efficiency. The research employed the Scrum methodology, an agile software development framework that facilitates iterative design, development, and continuous stakeholder feedback. The study was conducted through three main phases: planning, system development, and testing and evaluation. During the planning phase, user requirements were identified through consultations with MSME actors and domain experts. The development phase focused on designing and implementing key features, including automated financial reporting, tax calculation, and cloud-based data management. The testing and evaluation phase assessed system functionality, usability, and user acceptance. The findings indicate that both experts and MSME users perceive AccounTax as an innovative and practical financial management solution. Features such as the integrated tax calculator and automated reporting tools effectively address common reporting challenges faced by MSMEs. The implementation of AccounTax is expected to simplify financial and tax administration processes, improve reporting accuracy, and enhance compliance with financial and taxation regulations, thereby supporting the sustainable growth of MSMEs.

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Journal Info

Abbrev

daengku

Publisher

Subject

Humanities Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Other

Description

The Daengku seeks to publish high-quality research papers, review articles, and book reviews that make a contribution to knowledge through the application and development of theories, new data exploration, and/or scientific analysis of salient policy issues. The Scope of the Daengku includes the ...