<![CDATA[Micro, small, and medium enterprises (MSMEs) are the main support of economic activity in the Sangihe Islands Regency, yet many operators in Tahuna still run small-scale businesses with limited capital and rely on personal funds or informal sources because they do not yet understand the procedures, requirements, and benefits of formal financing. This community service activity, carried out under the Community Partnership Program Cluster 1 (PKM_K1) of Universitas Sam Ratulangi, aimed to improve the financial literacy of MSME operators regarding access to business financing through the People's Business Credit (Kredit Usaha Rakyat, KUR) program. The program was designed in three stages: preparation (coordination with the Sawang Bendar Sub-district Government, participant registration and initial survey, and partnership with PT Bank Negara Indonesia (Persero) Tbk Tahuna Branch as the resource person), implementation (an education and socialization session held on 14 August 2026 at the Sawang Bendar Sub-district Office, Tahuna District), and follow-up (technical training on business documents, assistance with financing applications, and post-test evaluation). The session was attended by 28 people, consisting of 23 MSME operators, four representatives of BNI Tahuna Branch, and one representative of the sub-district government. The material covered KUR schemes, administrative requirements, application procedures, and the benefits of KUR for business sustainability, followed by an interactive question-and-answer session on KUR application simulation. The activity shows that collaboration between a university, the local government, and a KUR-distributing bank gives MSMEs in an island region direct access to information on formal financing. Measurement of knowledge improvement and assistance in preparing loan applications are carried out in the follow-up stage.]]>
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