Main Article Content
Abstract
Purpose: This program was initiated in response to low adoption of digital marketing and financial literacy among MSMEs in Tinambung Subdistrict, resulting in limited market reach and poor business management. The initiative aims to enhance MSMEs’ capabilities in digital marketing and financial literacy and to promote business self-reliance.
Research Method: The activity was conducted in February 2026 in the Tinambung Subdistrict, Polewali Mandar Regency, and involved 30 MSME operators across the retail, food service, and service sectors. The method used was a participatory approach through outreach, technical training, and hands-on coaching, with observations, interviews, and questionnaires serving as evaluation tools.
Results and Discussion: Before the intervention, only 23% of partners had a digital business account, and 26% kept financial records. The activities were implemented in phases, ranging from outreach to monitoring. The results showed significant improvements: digital account ownership rose to 83%, understanding of promotional content to 78%, financial record-keeping to 80%, and financial segregation to 76%.
Implications: This program promotes digital adoption and financial management among SMEs. Ongoing support is recommended to ensure the sustainability of SMEs’ digital transformation.
Keywords
Article Details

This work is licensed under a Creative Commons Attribution 4.0 International License.
References
- Airawati, M. N., Fauzi, I., & Putranto, A. (2023). Potensi penerapan ekonomi biru dalam mendukung pariwisata berkelanjutan di wilayah pesisir DIY. Buletin Ilmiah Marina Sosial Ekonomi Kelautan dan Perikanan, 9(2), 133–149. http://dx.doi.org/10.15578/marina.v9i2.12723
- Alias, A., Firman, A., & Latief, F. (2026). Kontribusi Modal Usaha, Promosi dan Kualitas Produk Terhadap Pengembangan UMKM di Kabupaten Mamuju. Paradoks: Jurnal Ilmu Ekonomi, 9(1), 32–42. https://doi.org/10.57178/paradoks.v9i1.1895
- Amri, A., Mohamad Makrus, Hidayat Febiansyah, & Yulianti, Y. (2024). The Value Of Digital Economy Adoption In Bangka Belitung SMEs: A Vam Model Focusing On Creativity and Innovation. Jurnal Ekonomi, 13(03), 1600–1616. Retrieved from https://www.ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/5368
- Basri, B., Suryani, S., & Hidayat, R. (2023). Pendampingan legalitas usaha dan kualitas produk UMKM pendukung sektor kepariwisataan. Jurnal Abdi Insani, 10(4), 2871–2882. https://doi.org/10.29303/abdiinsani.v10i4.1257
- Chaffey, D., & Ellis-Chadwick, F. (2019). Digital Marketing: Strategy, Implementation and Practice. Pearson Education. https://elib.vku.udn.vn/handle/123456789/5721
- Chandra, A. F., & Nadjib, M. (2023). Digital Marketing in the hospital: A scoping review. Journal of World Science, 2(1), 46–51. https://doi.org/10.58344/jws.v2i1.178
- Hidayat, M., Oktaviani, A. R., Askar, H., Murtianingsih, M., Andriany, L. M., & Anjaningrum, W. D. (2026). The mediating role of competitive advantage in linking creativity and innovation culture to MSMEs’ business performance in Malang City: A mixed-method study. EduLite Journal of English Education, Literature and Culture, 11(1), 313–328. https://doi.org/https://dx.doi.org/10.30659/e.11.1.313-328
- Latief, F., Firman, A., Dirwan, D., & Ilham, B. U. (2026). Sustainable and Adaptive Agile Supply Chains for Resource-Based Business Actors in Indonesia. Frontiers in Sustainability, 7, 1750248. https://doi.org/10.3389/frsus.2026.1750248
- Latief, F., Firman, A., Muslimin, I., & Askar, H. (2024). Transformasi Pemasaran Produk UMKM Melalui Pendampingan Entrepreneurship dan Penggunaan Media Sosial Untuk Diversifikasi Di Desa Bonto Jai Kabupaten Bantaeng. Celebes Journal of Community Services, 3(2), 161–168. https://doi.org/10.37531/celeb.v3i2.1696
- Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
- M. Tarmizi. (2025). The Role of Digital Financial Literacy in MSMEs: A Systematic Literature Review. Jurnal Ekobistek, 14(4), 183–192. https://doi.org/10.35134/ekobistek.v14i4.962
- Mahya, Y. (2024). The Influence of Financial Literacy and Financial Behavior on the Financial Performance of SMEs: A Regression Analysis Study in Indonesia. Eduvest - Journal of Universal Studies, 4(10), 9424–9433. https://doi.org/10.59188/eduvest.v4i10.1376
- Matosas-López, L. (2024). Can customer engagement in social media be used as a predictor of operating revenue in SMEs?. Journal of Open Innovation: Technology, Market, and Complexity, 10(4), 100380. https://doi.org/10.1016/j.joitmc.2024.100380
- Minami, A. L., Ramos, C., & Bortoluzzo, A. B. (2021). Sharing economy versus collaborative consumption: what drives consumers in the new forms of exchange?. Journal of Business Research, 128, 124–137. https://doi.org/10.1016/j.jbusres.2021.01.035
- Molosiwa, T., & Molosiwa, J. (2025). The impact of financial literacy on the performance of Small and Medium-sized Enterprises (SMEs): A review of literature. International Journal of Research in Business and Social Science, 14(3), 320-332. https://doi.org/10.20525/ijrbs.v14i3.4157
- Munaja, R., Kurniawan, B., & Putri, N. (2024). Fasilitasi penyusunan masterplan kawasan wisata pantai Ba’batoa, Desa Lapeo. Jurnal Pengabdian Masyarakat Universitas Lamappapoleonro, 2(2), 30–33. Retrieved from https://jurnal.abdimas.unipol.ac.id/index.php/pengabdian-jurnal/article/view/41
- OECD. (2021). Enhancing SME digitalization: Policies and practices.
- Pingali, S. R., Singha, S., Arunachalam, S., & Pedada, K. (2023). Digital readiness of small and medium enterprises in emerging markets: The construct, propositions, measurement, and implications. Journal of Business Research, 164, 113973. https://doi.org/10.1016/j.jbusres.2023.113973
- Purnomo, S., Nurmalitasari, N., & Nurchim, N. (2024). Digital transformation of MSMEs in Indonesia: A systematic literature review. Journal of Management and Digital Business, 4(2), 301–312. https://doi.org/10.53088/jmdb.v4i2.1121
- Putra, M. A., & Wahyuni, S. (2024). Pemberdayaan masyarakat melalui pelatihan produk olahan perikanan sebagai upaya penguatan ekonomi lokal. Jurnal Pengabdian Masyarakat Maritim, 5(1), 45–55. https://doi.org/10.25077/jpmm.5.1.2024
- Radjagukguk, D., & Rusadi, U. (2025). Digitalization and globalization: Transformation of UMKM in the digital era. Journal of Social Political Sciences, 6(1), 15–24. https://doi.org/10.52166/jsps.v6i1.258
- Samad, N. A. A., Zahari, M. S. M., Hanafiah, M. H., & Bashir, M. A. R. A. (2024). Digital technology adoption as a game changer for community-based tourism (CBT) homestay operators: a qualitative investigation. Asia-Pacific Journal of Rural Development, 34(1), 77–97. https://doi.org/10.1177/10185291241295439
- Yunisa, F., Hidayat, D., & Nugraha, A. (2024). Pendampingan masyarakat perikanan melalui pengembangan Mina Eduwisata Kampung Nila Kawali, Kabupaten Ciamis. Jurnal Penyuluhan Perikanan dan Kelautan, 18(1), https://doi.org/10.33378/jppik.v18i1.463
References
Airawati, M. N., Fauzi, I., & Putranto, A. (2023). Potensi penerapan ekonomi biru dalam mendukung pariwisata berkelanjutan di wilayah pesisir DIY. Buletin Ilmiah Marina Sosial Ekonomi Kelautan dan Perikanan, 9(2), 133–149. http://dx.doi.org/10.15578/marina.v9i2.12723
Alias, A., Firman, A., & Latief, F. (2026). Kontribusi Modal Usaha, Promosi dan Kualitas Produk Terhadap Pengembangan UMKM di Kabupaten Mamuju. Paradoks: Jurnal Ilmu Ekonomi, 9(1), 32–42. https://doi.org/10.57178/paradoks.v9i1.1895
Amri, A., Mohamad Makrus, Hidayat Febiansyah, & Yulianti, Y. (2024). The Value Of Digital Economy Adoption In Bangka Belitung SMEs: A Vam Model Focusing On Creativity and Innovation. Jurnal Ekonomi, 13(03), 1600–1616. Retrieved from https://www.ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/5368
Basri, B., Suryani, S., & Hidayat, R. (2023). Pendampingan legalitas usaha dan kualitas produk UMKM pendukung sektor kepariwisataan. Jurnal Abdi Insani, 10(4), 2871–2882. https://doi.org/10.29303/abdiinsani.v10i4.1257
Chaffey, D., & Ellis-Chadwick, F. (2019). Digital Marketing: Strategy, Implementation and Practice. Pearson Education. https://elib.vku.udn.vn/handle/123456789/5721
Chandra, A. F., & Nadjib, M. (2023). Digital Marketing in the hospital: A scoping review. Journal of World Science, 2(1), 46–51. https://doi.org/10.58344/jws.v2i1.178
Hidayat, M., Oktaviani, A. R., Askar, H., Murtianingsih, M., Andriany, L. M., & Anjaningrum, W. D. (2026). The mediating role of competitive advantage in linking creativity and innovation culture to MSMEs’ business performance in Malang City: A mixed-method study. EduLite Journal of English Education, Literature and Culture, 11(1), 313–328. https://doi.org/https://dx.doi.org/10.30659/e.11.1.313-328
Latief, F., Firman, A., Dirwan, D., & Ilham, B. U. (2026). Sustainable and Adaptive Agile Supply Chains for Resource-Based Business Actors in Indonesia. Frontiers in Sustainability, 7, 1750248. https://doi.org/10.3389/frsus.2026.1750248
Latief, F., Firman, A., Muslimin, I., & Askar, H. (2024). Transformasi Pemasaran Produk UMKM Melalui Pendampingan Entrepreneurship dan Penggunaan Media Sosial Untuk Diversifikasi Di Desa Bonto Jai Kabupaten Bantaeng. Celebes Journal of Community Services, 3(2), 161–168. https://doi.org/10.37531/celeb.v3i2.1696
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
M. Tarmizi. (2025). The Role of Digital Financial Literacy in MSMEs: A Systematic Literature Review. Jurnal Ekobistek, 14(4), 183–192. https://doi.org/10.35134/ekobistek.v14i4.962
Mahya, Y. (2024). The Influence of Financial Literacy and Financial Behavior on the Financial Performance of SMEs: A Regression Analysis Study in Indonesia. Eduvest - Journal of Universal Studies, 4(10), 9424–9433. https://doi.org/10.59188/eduvest.v4i10.1376
Matosas-López, L. (2024). Can customer engagement in social media be used as a predictor of operating revenue in SMEs?. Journal of Open Innovation: Technology, Market, and Complexity, 10(4), 100380. https://doi.org/10.1016/j.joitmc.2024.100380
Minami, A. L., Ramos, C., & Bortoluzzo, A. B. (2021). Sharing economy versus collaborative consumption: what drives consumers in the new forms of exchange?. Journal of Business Research, 128, 124–137. https://doi.org/10.1016/j.jbusres.2021.01.035
Molosiwa, T., & Molosiwa, J. (2025). The impact of financial literacy on the performance of Small and Medium-sized Enterprises (SMEs): A review of literature. International Journal of Research in Business and Social Science, 14(3), 320-332. https://doi.org/10.20525/ijrbs.v14i3.4157
Munaja, R., Kurniawan, B., & Putri, N. (2024). Fasilitasi penyusunan masterplan kawasan wisata pantai Ba’batoa, Desa Lapeo. Jurnal Pengabdian Masyarakat Universitas Lamappapoleonro, 2(2), 30–33. Retrieved from https://jurnal.abdimas.unipol.ac.id/index.php/pengabdian-jurnal/article/view/41
OECD. (2021). Enhancing SME digitalization: Policies and practices.
Pingali, S. R., Singha, S., Arunachalam, S., & Pedada, K. (2023). Digital readiness of small and medium enterprises in emerging markets: The construct, propositions, measurement, and implications. Journal of Business Research, 164, 113973. https://doi.org/10.1016/j.jbusres.2023.113973
Purnomo, S., Nurmalitasari, N., & Nurchim, N. (2024). Digital transformation of MSMEs in Indonesia: A systematic literature review. Journal of Management and Digital Business, 4(2), 301–312. https://doi.org/10.53088/jmdb.v4i2.1121
Putra, M. A., & Wahyuni, S. (2024). Pemberdayaan masyarakat melalui pelatihan produk olahan perikanan sebagai upaya penguatan ekonomi lokal. Jurnal Pengabdian Masyarakat Maritim, 5(1), 45–55. https://doi.org/10.25077/jpmm.5.1.2024
Radjagukguk, D., & Rusadi, U. (2025). Digitalization and globalization: Transformation of UMKM in the digital era. Journal of Social Political Sciences, 6(1), 15–24. https://doi.org/10.52166/jsps.v6i1.258
Samad, N. A. A., Zahari, M. S. M., Hanafiah, M. H., & Bashir, M. A. R. A. (2024). Digital technology adoption as a game changer for community-based tourism (CBT) homestay operators: a qualitative investigation. Asia-Pacific Journal of Rural Development, 34(1), 77–97. https://doi.org/10.1177/10185291241295439
Yunisa, F., Hidayat, D., & Nugraha, A. (2024). Pendampingan masyarakat perikanan melalui pengembangan Mina Eduwisata Kampung Nila Kawali, Kabupaten Ciamis. Jurnal Penyuluhan Perikanan dan Kelautan, 18(1), https://doi.org/10.33378/jppik.v18i1.463