FINANCIAL AND DIGITAL LITERACY EMPOWERMENT FOR MSME DEVELOPMENT IN KAMPUNG KUE RUNGKUT SURABAYA

Aloisius Hama; Annisah Febriana; Hafidulloh; Dani Rohmati; Mersiana Varia Juita

doi:10.70574/555r9v34

Authors

Aloisius Hama Sekolah Tinggi Ilmu Ekonomi YAPAN, Surabaya Author
Annisah Febriana Sekolah Tinggi Ilmu Ekonomi YAPAN, Surabaya Author
Hafidulloh Sekolah Tinggi Ilmu Ekonomi YAPAN, Surabaya Author
Dani Rohmati Sekolah Tinggi Ilmu Ekonomi YAPAN, Surabaya Author
Mersiana Varia Juita Sekolah Tinggi Ilmu Ekonomi YAPAN, Surabaya Author

DOI:

https://doi.org/10.70574/555r9v34

Keywords:

financial literacy, digital literacy, MSMEs, digital marketing

Abstract

The development of digital technology and increasing business competition require Micro, Small, and Medium Enterprises (MSMEs) to improve their financial management and digital capabilities in order to maintain business sustainability and competitiveness. However, many MSME actors, particularly community-based enterprises, still face limitations in financial literacy and digital literacy. This community service program aimed to enhance financial literacy and digital literacy among MSME actors in Kampung Kue Rungkut Surabaya. The program was implemented through several stages, including observation, needs assessment, educational sessions, practical training, mentoring, and evaluation activities. The financial literacy component focused on transaction recording, cash flow management, production cost calculation, budgeting, and pricing strategies. Meanwhile, the digital literacy component emphasized social media marketing, digital branding, product photography, online communication, marketplace utilization, and digital payment systems. The results showed significant improvements in participants’ understanding and skills regarding financial management and digital technology utilization. Participants became more capable of recording financial transactions, separating personal and business finances, calculating production costs accurately, and managing business cash flow. In addition, participants demonstrated increased confidence in using social media for product promotion, creating digital content, and communicating with customers through online platforms. Overall, the program successfully strengthened managerial and digital competencies among MSME actors and encouraged more adaptive, innovative, and sustainable business practices in Kampung Kue Rungkut Surabaya.

References

Cahyono, T. D., & Suarantalla, R. (2024). Dampak literasi keuangan, literasi digital dan finansial teknologi terhadap keberlanjutan bisnis pelaku UMKM di Kabupaten Sumbawa. Jurnal Ilmiah Raflesia Akuntansi, 10(2), 804–813.

Hasanah, U. Y., & Rino, R. (2025). Pengaruh Literasi Keuangan terhadap Pengelolaan Keuangan UMKM di Era Digital. Socius: Jurnal Penelitian Ilmu-Ilmu Sosial, 3(1).

Hidayat, W., & Linda, R. (2024). PENGARUH FINANCIAL LITERACY, LITERACY DIGITAL DAN E-COMMERCE TERHADAP KEBERLANGSUNGAN UMKM DI KECAMATAN MARPOYAN DAMAI. Jurnal Ekonomi Manajemen Bisnis Syariah Dan Teknologi, 3(3), 425–434.

Nasriani, N., Salida, A., & Rahman, U. (2025). THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL LITERACY ON THE FINANCIAL PERFORMANCE OF MSMES IN MARITENGNGAE DISTRICT, SIDENRENG RAPPANG REGENCY. Jurnal Ekonomi Ichsan Sidenreng Rappang, 4(1), 562–570.

Nurjannah, N., & Subur, H. (2024). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Pertumbuhan Umkm Di Kecamatan Rappocini Kota Makassar. Jurnal Rumpun Manajemen Dan Ekonomi, 1(5), 163–173.

Pakan, R., & Bastaman, A. (2025). PENGARUH LITERASI KEUANGAN DAN LITERASI DIGITAL TERHADAP KINERJA BERKELANJUTAN UMKM DENGAN PERSEPSI RISIKO SEBAGAI MEDIATOR. Jurnal Riset Multidisiplin Edukasi, 2(8), 650–664.

Rizki, A., & Hendarman, A. F. (2024). Empowering financial and digital literacy to build resilience of MSMEs: Proposed implementation in Bandung City. International Journal of Current Science Research and Review, 7(10), 7581–7596.

Sari, P. B., & Sari, M. M. (2025). The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs. Journal of Management, Economic, and Accounting, 4(2), 1091–1098.

Siampa, F., Pontoh, W., & Mawikere, L. M. (2024). Pengaruh financial technology dan literasi keuangan digital terhadap pengembangan UMKM di Fakultas Ekonomi dan Bisnis Universitas Sam Ratulangi Manado. Manajemen Bisnis Dan Keuangan Korporat, 2(2), 339–349.

Solihati, G. P., & Atristyanti, I. G. (2025). Peran Literasi Keuangan Dan Financial Self-Efficacy Dalam Mempengaruhi Perilaku Kredit Berisiko Melalui Paylater. ProBank, 10(2), 231–242.

Suleman, N., & Thalib, M. K. (2024). Keberlanjutan UMKM Ditinjau dari Digitalisasi UMKM, Financial Literacy, dan Behaviour Financial. Gorontalo Accounting Journal, 27–35.