Fadli Hadi Badjeber, Fajria Fajria, Siti Lista Fatimah, Dewi Sangfitri, Safni J. Aziz, Siva Natun, Zazkia Hairunnisa, Dina Adinda

Pengembangan Kapasitas UMKM melalui Sosialisasi Literasi Keuangan, Inklusi Keuangan, dan Pelatihan Permodalan di Kecamatan Tatanga dan Kelurahan Nunu

Introduction

Pengembangan kapasitas umkm melalui sosialisasi literasi keuangan, inklusi keuangan, dan pelatihan permodalan di kecamatan tatanga dan kelurahan nunu. Tingkatkan kapasitas UMKM Tatanga & Nunu dengan literasi dan inklusi keuangan, serta pelatihan permodalan. Kelola bisnis lebih baik, akses dana, dan capai keberlanjutan.

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the regional economy, including in Tatanga District and Nunu Village, Palu City. However, many MSME actors in these areas still face fundamental challenges such as low financial literacy, limited access to capital, and insufficient use of digital technology in business management. These limitations lead to weak financial record-keeping, poor cash flow management, and inadequate readiness to meet bankability requirements when applying for financing from formal financial institutions. This community service program was designed to improve the understanding and practical skills of MSME actors through financial literacy socialization, financial inclusion education, capital training in collaboration with financial institutions, and training in simple financial record preparation. The program was implemented using needs assessments through observation, structured material delivery, interactive discussions, hands-on transaction recording practice, and learning evaluations through pretests and posttests. The results show a significant improvement in participants’ competencies. Average scores for financial literacy and inclusion increased from 48% to 89%, indicating better understanding of cash flow management, transaction recording, and the use of digital financial services such as QRIS and mobile banking. Furthermore, participants’ understanding of capital access improved from 51% to 92%, particularly regarding financing procedures, business eligibility requirements, and the importance of financial statements in loan applications. Overall, the program effectively strengthened MSME capacity to manage businesses in a more structured, adaptive, and professional manner, supporting MSME independence and long-term business sustainability in Tatanga District and Nunu Village.

Review

This paper presents a highly relevant and impactful community service program focused on enhancing the capacity of Micro, Small, and Medium Enterprises (MSMEs) in Tatanga District and Nunu Village. The authors clearly articulate the critical challenges faced by local MSMEs, including low financial literacy, limited access to capital, and insufficient digital technology adoption, which ultimately hinder their financial management and access to formal financing. The objective of improving MSME actors' understanding and practical skills in these crucial areas is well-defined and addresses a fundamental barrier to regional economic development and business sustainability. The intervention's design, tackling multiple facets of MSME development simultaneously, demonstrates a comprehensive approach to a complex problem. The methodology employed for this community service program is robust and pragmatic, incorporating needs assessments, structured material delivery, interactive discussions, and hands-on practice. The use of pre-tests and post-tests provides a clear and quantifiable measure of the program's effectiveness. The results are compelling, showing a significant improvement in participants' competencies across all targeted areas. Specifically, the substantial increase in average scores for financial literacy and inclusion (from 48% to 89%) and capital access (from 51% to 92%) strongly supports the program's success. The abstract effectively highlights the practical improvements, such as better cash flow management, transaction recording, adoption of digital financial services like QRIS, and a clearer understanding of financing procedures and bankability requirements. Overall, this program stands out as an exemplary model for local economic development initiatives. It effectively translated theoretical knowledge into practical skills, empowering MSME actors to manage their businesses more professionally and adaptively. The findings underscore the critical role of targeted education and collaborative efforts with financial institutions in strengthening MSME independence and long-term viability. The positive and significant outcomes suggest that this comprehensive and well-structured approach could serve as a valuable blueprint for similar capacity-building initiatives in other developing regions, making a substantial contribution to community development literature and practice.

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