Main Article Content
Abstract
One of the Indonesian government's efforts is to develop Micro, Small, and Medium Enterprises, usually MSMEs, to restore economic stability and encourage economic growth and national economic recovery. A common problem for every MSME is that knowledge about financial reports is still weak. Based on these conditions, the community service team for the Master of Applied Economics, Faculty of Economics and Business, Bengkulu University, held socialization activities for MSME Digitalization Development in Pekik Nyering Village, Central Bengkulu Regency and made this an effort to increase the competitiveness of MSME products. The socialization focused on training in making simple financial reports and using the SIAPIK application to make it easier to record financial transactions precisely and practically anytime, anywhere, without carrying a cash book. The activity was carried out on September 4, 2024, and was well received by the people of Pekik Nyering Village. After training, MSMEs can use the SIAPIK application and are expected to continue using this application on an ongoing basis.
Keywords
digital money
Transaction
Cashless
Article Details
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Copyright (c) 2025 Yefriza, Esti Pasaribu, Lela Rospida, Lela Rospida, Antoni Sitorus, Novi Tri Putri
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How to Cite
Yefriza, Pasaribu, E., Rospida, L., Rospida, L., Sitorus, A., & Putri, N. T. (2025). Sosialisasi Digitalisasi UMKM Dalam Menunjang Keuangan Inklusif. Kreativasi : Journal of Community Empowerment, 4(2), 1–14. https://doi.org/10.33369/kreativasi.v4i2.40302
References
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Aulia, Putri, Wafiq Asisa, Novi Dalianti, and Yusti Rahayu Handa. 2022. “Pengaruh Pemahaman Literasi Keuangan Dan Kemudahan Digital Payment Terhadap Kinerja UMKM Di Kota Makassar.” Jurnal DinamikA 3 (1). https://doi.org/10.18326/dinamika.v3i1.23-50.
Handayani, Amelia Dwi. 2023. “Digitalisasi UMKM: Peningkatan Kapasitas Melalui Program Literasi Digital.” JURNAL SIGNAL 11 (1). https://doi.org/10.33603/signal.v11i1.8213.
Hendarsyah, Decky. 2016. “Penggunaan Uang Elektronik Dan Uang Virtual Sebagai Pengganti Uang Tunai Di Indonesia.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 5 (1). https://doi.org/10.46367/iqtishaduna.v5i1.74.
Idah, Yusida Munsa, and Muliasari Pinilih. 2020. “Strategi Pengembangan Digitalisasi UMKM.” Prosiding Seminar Nasional Dan Call for Papers “Pengembangan Sumber Daya Pedesaan Dan Kearifan Lokal Berkelanjutan IX” 9 (1).
Indah, Yusida Munsa, and Muliasari Pinilih. 2019. “Strategi Pengembangan Digitalisasi UMKM.” Lembaga Penelitian Dan Perkembangan Masyarakat 9 (1).
Larina, Ol'ga I., and Oleg M. Akimov. 2020. "Digital Money at the Present Stage: Key Risks and Development Direction." Finance: Theory and Practice 24 (4). https://doi.org/10.26794/2587-5671-2020-24-4-18-30.
Lisnawati, Euis, Agus Lesmana, and Dadang Wiranta. 2022. “Internet Marketing Dan Promosi Penjualan Online Dalam Meningkatkan Keputusan Pembelian Kaos Anugrah Store.” Jurnal Ekonomak 7 (1).
Luspita, Dini, and Esti Pasaribu. 2024. "The Impact Of The Fintech Revolution On Conventional Bank Credit In Indonesia : Opportunity Or Challenge ?" BICEMBA, 1603–14. https://conference.unib.ac.id/index.php/BICEMBA/article/view/134/143.
Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. 2023. “Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan Di Indonesia Selama Pandemi Covid-19.” Ecoplan 6 (2). https://doi.org/10.20527/ecoplan.v6i2.676.
Malau, Anne Rumondang, and Frederick Saroha Silaban. 2023. “Pemanfaatan Pembayaran Digital Pada Umkm Di Samosir.” Jabb 4 (1).
Murtiningsih, Dewi, and Rona Tumiur Mauli Caroline. 2024. "Digitalisasi UMKM." Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) 7 (3). https://doi.org/10.33024/jkpm.v7i3.13861.
Noor, Sufiana, and Rizky Putri Ramadhani. 2023. “PEMANFAATAN LAYANAN DIGITAL BANK SYARIAH DAN FINTECH SEBAGAI SARANA PENGEMBANGAN UMKM.” Abdimas Galuh 5 (1). https://doi.org/10.25157/ag.v5i1.9228.
Obi, Yves Mary Virginia. 2023. "E-Payment Administration and the Growth of Small and Medium Enterprises (SMEs) in Southeast Nigeria: An Evaluation of Cashless Policy." Global Journal of Political Science and Administration 11 (2). https://doi.org/10.37745/gjpsa.2013/vol11n24257.
Ovami, Debbi Chyntia, ) Anggia, Sari Lubis, and Anjami Nadila. 2022. “Digitalisasi Umkm Melalui Fintech Syariah Dalam Menunjang Keuangan Inklusif.” Prosiding Seminar Nasional Hasil Penelitian 5 (1).
Pasaribu, Esti, and Retno Agustina Ekaputri. 2023. “Pemanfaatan Marketplace Dan Digital Marketing Pada Usaha Himpunan Wanita Penyandang Disabilitas Kota Bengkulu.” Madani: Indonesian Journal of Civil Society 5 (1).
Pasaribu, Esti, Yefriza Yefriza, and Antoni Sitorus. 2022. “Pengelolaan Dan Pembukuan Keuangan Pada UMKM Di Pasar Bengkulu Demi Konsistensi Usaha Di Masa Pandemi Covid-19.” Madani : Indonesian Journal of Civil Society 4 (1). https://doi.org/10.35970/madani.v4i1.1059.
Pasaribu, Handika Permana dan Esti. 2021. “Pengaruh Inflasi, Ipm, Ump Dan Pdrb Terhadap Kemiskinan Di Pulau Sumatera.” Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi) 5 (3).
Patrick, Dr, and Ohunmah Igudia. 2016. "Information and Knowledge Management An Integrated Model of the Factors Influencing the Adoption and Extent of Use of E-Payment Systems by SMEs in Nigeria." Information and Knowledge Management 6 (12).
Putri, Iga Destya, Aniek Hindrayani, and Salman Alfarisy Totalia. 2023. “Faktor-Faktor Yang Memengaruhi Penerapan Metode Pembayaran Digital Pada Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Surakarta Dalam Menghadapi Era Revolusi Industri 4.0.” Jurnal Pendidikan Ekonomi (JUPE) 11 (2). https://doi.org/10.26740/jupe.v11n2.p202-211.
Rahmat Fatihah, Vahlefi, and Esti Pasaribu. 2024. "Analysis of Factors Affecting The Demand For Money in Indonesia." Jurnal Ilmiah MEA 8 (1): 1977–91. https://www.journal.stiemb.ac.id/index.php/mea/article/view/3897/1763.
Respatiningsih, Hesti, and Anes Arini. 2023. "Systemic Literature Review Digital Transformation of SMEs Using E-Payment." In AIP Conference Proceedings. Vol. 2706. https://doi.org/10.1063/5.0120486.
Setiawati, Ira; Widyartati, Penta. 2017. “Pengaruh Strategi Pemasaran Online Terhadap Peningkatan Laba Umkm.” Strategi Komunikasi Pemasaran, no. 20.
Yawised, Kritcha, and Darlin Apasrawirote. 2021. "Factors Influencing Actual Use of E-Payment Adoption by SMEs in Phitsanulok." Journal of Business, Economics and Communications 17 (4).
References
Anugrah, Royan Jaluseta. 2020. “Efektifitas Penerapan Strategi Online Marketing Oleh UMKM Dalam Masa Pembatasan Sosial Berskala Besar (PSBB) Corona Viruses Disease 2019 (Covid-19).” Jurnal Manajemen Dan Inovasi (MANOVA) 3 (2). https://doi.org/10.15642/manova.v3i2.302.
Aulia, Putri, Wafiq Asisa, Novi Dalianti, and Yusti Rahayu Handa. 2022. “Pengaruh Pemahaman Literasi Keuangan Dan Kemudahan Digital Payment Terhadap Kinerja UMKM Di Kota Makassar.” Jurnal DinamikA 3 (1). https://doi.org/10.18326/dinamika.v3i1.23-50.
Handayani, Amelia Dwi. 2023. “Digitalisasi UMKM: Peningkatan Kapasitas Melalui Program Literasi Digital.” JURNAL SIGNAL 11 (1). https://doi.org/10.33603/signal.v11i1.8213.
Hendarsyah, Decky. 2016. “Penggunaan Uang Elektronik Dan Uang Virtual Sebagai Pengganti Uang Tunai Di Indonesia.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 5 (1). https://doi.org/10.46367/iqtishaduna.v5i1.74.
Idah, Yusida Munsa, and Muliasari Pinilih. 2020. “Strategi Pengembangan Digitalisasi UMKM.” Prosiding Seminar Nasional Dan Call for Papers “Pengembangan Sumber Daya Pedesaan Dan Kearifan Lokal Berkelanjutan IX” 9 (1).
Indah, Yusida Munsa, and Muliasari Pinilih. 2019. “Strategi Pengembangan Digitalisasi UMKM.” Lembaga Penelitian Dan Perkembangan Masyarakat 9 (1).
Larina, Ol'ga I., and Oleg M. Akimov. 2020. "Digital Money at the Present Stage: Key Risks and Development Direction." Finance: Theory and Practice 24 (4). https://doi.org/10.26794/2587-5671-2020-24-4-18-30.
Lisnawati, Euis, Agus Lesmana, and Dadang Wiranta. 2022. “Internet Marketing Dan Promosi Penjualan Online Dalam Meningkatkan Keputusan Pembelian Kaos Anugrah Store.” Jurnal Ekonomak 7 (1).
Luspita, Dini, and Esti Pasaribu. 2024. "The Impact Of The Fintech Revolution On Conventional Bank Credit In Indonesia : Opportunity Or Challenge ?" BICEMBA, 1603–14. https://conference.unib.ac.id/index.php/BICEMBA/article/view/134/143.
Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. 2023. “Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan Di Indonesia Selama Pandemi Covid-19.” Ecoplan 6 (2). https://doi.org/10.20527/ecoplan.v6i2.676.
Malau, Anne Rumondang, and Frederick Saroha Silaban. 2023. “Pemanfaatan Pembayaran Digital Pada Umkm Di Samosir.” Jabb 4 (1).
Murtiningsih, Dewi, and Rona Tumiur Mauli Caroline. 2024. "Digitalisasi UMKM." Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) 7 (3). https://doi.org/10.33024/jkpm.v7i3.13861.
Noor, Sufiana, and Rizky Putri Ramadhani. 2023. “PEMANFAATAN LAYANAN DIGITAL BANK SYARIAH DAN FINTECH SEBAGAI SARANA PENGEMBANGAN UMKM.” Abdimas Galuh 5 (1). https://doi.org/10.25157/ag.v5i1.9228.
Obi, Yves Mary Virginia. 2023. "E-Payment Administration and the Growth of Small and Medium Enterprises (SMEs) in Southeast Nigeria: An Evaluation of Cashless Policy." Global Journal of Political Science and Administration 11 (2). https://doi.org/10.37745/gjpsa.2013/vol11n24257.
Ovami, Debbi Chyntia, ) Anggia, Sari Lubis, and Anjami Nadila. 2022. “Digitalisasi Umkm Melalui Fintech Syariah Dalam Menunjang Keuangan Inklusif.” Prosiding Seminar Nasional Hasil Penelitian 5 (1).
Pasaribu, Esti, and Retno Agustina Ekaputri. 2023. “Pemanfaatan Marketplace Dan Digital Marketing Pada Usaha Himpunan Wanita Penyandang Disabilitas Kota Bengkulu.” Madani: Indonesian Journal of Civil Society 5 (1).
Pasaribu, Esti, Yefriza Yefriza, and Antoni Sitorus. 2022. “Pengelolaan Dan Pembukuan Keuangan Pada UMKM Di Pasar Bengkulu Demi Konsistensi Usaha Di Masa Pandemi Covid-19.” Madani : Indonesian Journal of Civil Society 4 (1). https://doi.org/10.35970/madani.v4i1.1059.
Pasaribu, Handika Permana dan Esti. 2021. “Pengaruh Inflasi, Ipm, Ump Dan Pdrb Terhadap Kemiskinan Di Pulau Sumatera.” Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi) 5 (3).
Patrick, Dr, and Ohunmah Igudia. 2016. "Information and Knowledge Management An Integrated Model of the Factors Influencing the Adoption and Extent of Use of E-Payment Systems by SMEs in Nigeria." Information and Knowledge Management 6 (12).
Putri, Iga Destya, Aniek Hindrayani, and Salman Alfarisy Totalia. 2023. “Faktor-Faktor Yang Memengaruhi Penerapan Metode Pembayaran Digital Pada Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Surakarta Dalam Menghadapi Era Revolusi Industri 4.0.” Jurnal Pendidikan Ekonomi (JUPE) 11 (2). https://doi.org/10.26740/jupe.v11n2.p202-211.
Rahmat Fatihah, Vahlefi, and Esti Pasaribu. 2024. "Analysis of Factors Affecting The Demand For Money in Indonesia." Jurnal Ilmiah MEA 8 (1): 1977–91. https://www.journal.stiemb.ac.id/index.php/mea/article/view/3897/1763.
Respatiningsih, Hesti, and Anes Arini. 2023. "Systemic Literature Review Digital Transformation of SMEs Using E-Payment." In AIP Conference Proceedings. Vol. 2706. https://doi.org/10.1063/5.0120486.
Setiawati, Ira; Widyartati, Penta. 2017. “Pengaruh Strategi Pemasaran Online Terhadap Peningkatan Laba Umkm.” Strategi Komunikasi Pemasaran, no. 20.
Yawised, Kritcha, and Darlin Apasrawirote. 2021. "Factors Influencing Actual Use of E-Payment Adoption by SMEs in Phitsanulok." Journal of Business, Economics and Communications 17 (4).
Aulia, Putri, Wafiq Asisa, Novi Dalianti, and Yusti Rahayu Handa. 2022. “Pengaruh Pemahaman Literasi Keuangan Dan Kemudahan Digital Payment Terhadap Kinerja UMKM Di Kota Makassar.” Jurnal DinamikA 3 (1). https://doi.org/10.18326/dinamika.v3i1.23-50.
Handayani, Amelia Dwi. 2023. “Digitalisasi UMKM: Peningkatan Kapasitas Melalui Program Literasi Digital.” JURNAL SIGNAL 11 (1). https://doi.org/10.33603/signal.v11i1.8213.
Hendarsyah, Decky. 2016. “Penggunaan Uang Elektronik Dan Uang Virtual Sebagai Pengganti Uang Tunai Di Indonesia.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 5 (1). https://doi.org/10.46367/iqtishaduna.v5i1.74.
Idah, Yusida Munsa, and Muliasari Pinilih. 2020. “Strategi Pengembangan Digitalisasi UMKM.” Prosiding Seminar Nasional Dan Call for Papers “Pengembangan Sumber Daya Pedesaan Dan Kearifan Lokal Berkelanjutan IX” 9 (1).
Indah, Yusida Munsa, and Muliasari Pinilih. 2019. “Strategi Pengembangan Digitalisasi UMKM.” Lembaga Penelitian Dan Perkembangan Masyarakat 9 (1).
Larina, Ol'ga I., and Oleg M. Akimov. 2020. "Digital Money at the Present Stage: Key Risks and Development Direction." Finance: Theory and Practice 24 (4). https://doi.org/10.26794/2587-5671-2020-24-4-18-30.
Lisnawati, Euis, Agus Lesmana, and Dadang Wiranta. 2022. “Internet Marketing Dan Promosi Penjualan Online Dalam Meningkatkan Keputusan Pembelian Kaos Anugrah Store.” Jurnal Ekonomak 7 (1).
Luspita, Dini, and Esti Pasaribu. 2024. "The Impact Of The Fintech Revolution On Conventional Bank Credit In Indonesia : Opportunity Or Challenge ?" BICEMBA, 1603–14. https://conference.unib.ac.id/index.php/BICEMBA/article/view/134/143.
Maharani, Dian Putri, Naziha Romiza, Esti Pasaribu, and Ratu Eva Febriani. 2023. “Pengaruh Digital Payment Terhadap Pertumbuhan Ekonomi Indonesia: Analisis Kawasan Di Indonesia Selama Pandemi Covid-19.” Ecoplan 6 (2). https://doi.org/10.20527/ecoplan.v6i2.676.
Malau, Anne Rumondang, and Frederick Saroha Silaban. 2023. “Pemanfaatan Pembayaran Digital Pada Umkm Di Samosir.” Jabb 4 (1).
Murtiningsih, Dewi, and Rona Tumiur Mauli Caroline. 2024. "Digitalisasi UMKM." Jurnal Kreativitas Pengabdian Kepada Masyarakat (PKM) 7 (3). https://doi.org/10.33024/jkpm.v7i3.13861.
Noor, Sufiana, and Rizky Putri Ramadhani. 2023. “PEMANFAATAN LAYANAN DIGITAL BANK SYARIAH DAN FINTECH SEBAGAI SARANA PENGEMBANGAN UMKM.” Abdimas Galuh 5 (1). https://doi.org/10.25157/ag.v5i1.9228.
Obi, Yves Mary Virginia. 2023. "E-Payment Administration and the Growth of Small and Medium Enterprises (SMEs) in Southeast Nigeria: An Evaluation of Cashless Policy." Global Journal of Political Science and Administration 11 (2). https://doi.org/10.37745/gjpsa.2013/vol11n24257.
Ovami, Debbi Chyntia, ) Anggia, Sari Lubis, and Anjami Nadila. 2022. “Digitalisasi Umkm Melalui Fintech Syariah Dalam Menunjang Keuangan Inklusif.” Prosiding Seminar Nasional Hasil Penelitian 5 (1).
Pasaribu, Esti, and Retno Agustina Ekaputri. 2023. “Pemanfaatan Marketplace Dan Digital Marketing Pada Usaha Himpunan Wanita Penyandang Disabilitas Kota Bengkulu.” Madani: Indonesian Journal of Civil Society 5 (1).
Pasaribu, Esti, Yefriza Yefriza, and Antoni Sitorus. 2022. “Pengelolaan Dan Pembukuan Keuangan Pada UMKM Di Pasar Bengkulu Demi Konsistensi Usaha Di Masa Pandemi Covid-19.” Madani : Indonesian Journal of Civil Society 4 (1). https://doi.org/10.35970/madani.v4i1.1059.
Pasaribu, Handika Permana dan Esti. 2021. “Pengaruh Inflasi, Ipm, Ump Dan Pdrb Terhadap Kemiskinan Di Pulau Sumatera.” Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi) 5 (3).
Patrick, Dr, and Ohunmah Igudia. 2016. "Information and Knowledge Management An Integrated Model of the Factors Influencing the Adoption and Extent of Use of E-Payment Systems by SMEs in Nigeria." Information and Knowledge Management 6 (12).
Putri, Iga Destya, Aniek Hindrayani, and Salman Alfarisy Totalia. 2023. “Faktor-Faktor Yang Memengaruhi Penerapan Metode Pembayaran Digital Pada Usaha Mikro, Kecil, Dan Menengah (UMKM) Di Surakarta Dalam Menghadapi Era Revolusi Industri 4.0.” Jurnal Pendidikan Ekonomi (JUPE) 11 (2). https://doi.org/10.26740/jupe.v11n2.p202-211.
Rahmat Fatihah, Vahlefi, and Esti Pasaribu. 2024. "Analysis of Factors Affecting The Demand For Money in Indonesia." Jurnal Ilmiah MEA 8 (1): 1977–91. https://www.journal.stiemb.ac.id/index.php/mea/article/view/3897/1763.
Respatiningsih, Hesti, and Anes Arini. 2023. "Systemic Literature Review Digital Transformation of SMEs Using E-Payment." In AIP Conference Proceedings. Vol. 2706. https://doi.org/10.1063/5.0120486.
Setiawati, Ira; Widyartati, Penta. 2017. “Pengaruh Strategi Pemasaran Online Terhadap Peningkatan Laba Umkm.” Strategi Komunikasi Pemasaran, no. 20.
Yawised, Kritcha, and Darlin Apasrawirote. 2021. "Factors Influencing Actual Use of E-Payment Adoption by SMEs in Phitsanulok." Journal of Business, Economics and Communications 17 (4).