Pendampingan pada UMKM di Kete Kesua tentang Fiansnial Tzeknologi

Adriana  Madya Maramap; Heba  Rundupadang; Lisa  Wibisono; Chrismesi Pagiu  Rati Pundisiang; Dian Intan Tangkeallo

doi:10.61132/pandawa.v4i4.3144

Authors

Adriana Madya Maramap Universitas Kristen Indonesai Toraja
Heba Rundupadang Universitas Kristen Indonesai Toraja
Lisa Wibisono Universitas Kristen Indonesai Toraja
Chrismesi Pagiu Rati Pundisiang Universitas Kristen Indonesai Toraja
Dian Intan Tangkeallo Universitas Kristen Indonesai Toraja

DOI:

https://doi.org/10.61132/pandawa.v4i4.3144

Keywords:

Digital Financial Literacy, Financial Technology, MSMEs, QRIS, Tourism Area

Abstract

MSMEs in the Kete Kesu tourism area (North Toraja) face challenges regarding limited access to capital, manual financial record-keeping, and a reliance on cash payments, all of which constrain sales potential among tourists. Financial technology (fintech) offers a strategic solution for business modernization. Implementation Method: A participatory approach with phased mentoring was employed, comprising three main stages: (1) Preparation: Needs assessment, obtaining permits, and module development. (2) Implementation: Financial literacy workshops and one-on-one technical training for activating QRIS and digital financial recording applications. (3) Evaluation: Pre- and post-test measurements, weekly transaction monitoring, and the establishment of sustainability champions. Research Results: (a) An 85% increase in the partners' understanding and digital financial literacy. (b) Successful adoption of the cashless payment system (QRIS) by dozens of local MSMEs. (c) Transition of cash recording methods from manual systems to smartphone-based digital accounting applications. (d) Enhanced operational efficiency, accountability, and sales revenue potential for merchants in the tourism area.

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