Empowering SMEs Through Entrepreneurship Incubation and Digital Financial Literacy to Enhance Economic Self-Reliance

Nisma Iriani; Abdul Rahman; Arjang; Lina Marlina; Andi Amrullah Djaya; Wahyudi Putera; Tapril

doi:10.55927/jpmb.v5i4.21

Authors

Nisma Iriani University of Eastern Indonesia
Abdul Rahman University of Eastern
Arjang University of Eastern
Lina Marlina University of Eastern
Andi Amrullah Djaya University of Eastern
Wahyudi Putera STIE Pelita Buana/PNUP
Tapril University of Eastern

DOI:

https://doi.org/10.55927/jpmb.v5i4.21

Keywords:

Economic Independence; Digital Financial Literacy; Entrepreneurship Incubation; MSMEs.

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the national economy, yet they are often hindered by conventional management and low financial literacy. This community service activity aims to empower MSMEs through entrepreneurship incubation programs and strengthening digital financial literacy to increase economic independence. The implementation method uses the Asset Based Community Development (ABCD) approach, consisting of observation, business incubation (re-branding and marketing strategy), digital financial literacy training (accounting applications and QRIS), and continuous mentoring. The results show a significant increase in partner capacity, evidenced by the rise in average post-test scores from 42.0 to 88.5. Approximately 80% of partners have now adopted digital bookkeeping applications and non-cash payment systems. Furthermore, there is an average turnover increase of 25% through improvements in product visual identity. The conclusion of this service is that the integration of entrepreneurial mindset coaching and financial technology mastery can transform MSMEs into more independent, accountable, and competitive economic entities in the digital era.

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