<![CDATA[This community service program aims to improve financial literacy and expand access to financing for Micro, Small, and Medium Enterprises (MSMEs) affiliated with Rumah UMKM Maju Sejahtera (RUMARA) in Banjarmasin City. Low levels of financial literacy, limited understanding of financing products, inadequate business administrative preparedness, and negative perceptions of formal financial institutions are among the main factors hindering MSMEs’ access to financing. The program involved 30 MSME owners, with support from the Banjarmasin City Office of Cooperatives, Micro Enterprises, and Manpower, Bank Kalsel, and Kalsel Ventura. The implementation method consisted of a diagnostic stage to identify participants’ levels of financial literacy and administrative readiness, training on bank and non-bank financing products, and mentoring through the preparation of administrative documents and assistance in submitting financing applications in collaboration with partner financial institutions. The results of the community service program indicate an improvement in participants’ understanding of formal financing access, increased administrative readiness of MSMEs to meet financing requirements, the establishment of networks between MSMEs and financial institutions, and an increase in the number of MSMEs capable of formally applying for financing. Through this program, MSMEs are expected to become more bankable, gain broader access to capital, and strengthen their business capacity in a sustainable manner.]]>
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