Evaluation of the Role of Digital Financial Literacy in Improving the Welfare of Micro, Small, and Medium Enterprises in Simalungun Regency, North Sumatra Province

Authors

  • Bayu Wulandari Universitas Prima Indonesia
  • Herlin Munthe Universitas Prima Indonesia
  • Tina Novianti Sitanggang Universitas Prima Indonesia
  • Jhon Lismart Benget Universitas Prima Indonesia
  • Agung Sahbana Universitas Prima Indonesia
  • Merry Rusida Universitas Prima Indonesia
  • Nagian Toni Universitas Prima Indonesia
  • Namira Ufrida Rahmi Universitas Prima Indonesia

DOI:

https://doi.org/10.36526/gandrung.v7i2.7858

Keywords:

The Role of Digital Financial Literacy, the Welfare of Micro, Small, and Medium Enterprises

Abstract

Digital financial literacy is the ability of individuals to understand, evaluate, and use digital financial products and services effectively, efficiently, and safely. In the context of MSMEs, this literacy is important to help make the right decisions related to capital management, transaction recording, and more accurate business planning. This community service activity uses  a participatory and educational approach. The participatory approach was chosen to actively involve MSME actors in the entire series of activities, while the educational approach aimed to improve the understanding, skills, and attitudes of MSME actors towards digital financial literacy. The PKM activity will be held on November 14, 2025 in Haranggaol Village, Simalungun Regency, North Sumatra Province. Based on the results of the evaluation that has been carried out, it can be concluded that digital financial literacy has a significant role in improving the welfare of Micro, Small, and Medium Enterprises (MSMEs) in Simalungun Regency, North Sumatra Province. MSME actors' understanding of the use of digital financial services, such as digital wallets, mobile banking, application-based financial recording, and non-cash transactions, has been proven to help improve the efficiency of business financial management.

References

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Published

2026-07-22

How to Cite

Bayu Wulandari, Munthe, H., Tina Novianti Sitanggang, Jhon Lismart Benget, Agung Sahbana, Merry Rusida, … Namira Ufrida Rahmi. (2026). Evaluation of the Role of Digital Financial Literacy in Improving the Welfare of Micro, Small, and Medium Enterprises in Simalungun Regency, North Sumatra Province. GANDRUNG: Jurnal Pengabdian Kepada Masyarakat, 7(2), 3204–3212. https://doi.org/10.36526/gandrung.v7i2.7858

Issue

Vol. 7 No. 2 (2026): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat

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Articles

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