Transformasi Fintech untuk Penguatan Literasi Keuangan Digital dan Keberlanjutan UKM Bakso Goreng di Kabupaten Bandung
Fintech Transformation for Strengthening Digital Financial Literacy and Sustainability of a Fried Meatball SME in Bandung Regency
Keywords:
Buku Kas, Fintech, Keberlanjutan Usaha, Literasi Keuangan Digital, UKM KulinerAbstract
Usaha kecil dan menengah kuliner menghadapi tantangan dalam pencatatan transaksi, pengendalian arus kas, dan perencanaan keberlanjutan usaha. Pelaksanaan kegiatan berlangsung selama kurang lebih enam bulan. Kegiatan pengabdian ini bertujuan meningkatkan literasi keuangan digital, keterampilan penggunaan aplikasi Buku Kas, dan strategi keberlanjutan UKM Bakso Goreng dan Mie Ayam Pak De PGA di Kabupaten Bandung. Metode pelaksanaan menggunakan pendekatan partisipatif melalui asesmen awal, pelatihan literasi keuangan, pendampingan penggunaan aplikasi Buku Kas, penyusunan prosedur pencatatan, diskusi pasar, pengembangan produk, dan evaluasi. Data diperoleh melalui observasi, wawancara, survei awal kepada 24 pelaku usaha atau jejaring usaha kuliner untuk memetakan kebutuhan digitalisasi, survei evaluasi kepada tiga pengelola inti usaha mitra yang mengikuti pendampingan intensif, serta survei kepuasan kepada 39 pelanggan. Hasil survei awal menunjukkan 91,7% responden belum menggunakan laporan keuangan digital, sementara 87,5% membutuhkan dan bersedia mengikuti pelatihan. Setelah pendampingan, ketiga pengelola inti menyatakan mampu mencatat penjualan, pengeluaran, arus kas, dan menggunakan Buku Kas. Survei pelanggan menunjukkan kepuasan total 4,55 dari skala 5; temuan pasar tersebut kemudian dipadukan dengan data pencatatan keuangan digital untuk menyusun strategi produk, kemasan, dan pemasaran. Program menghasilkan sistem pencatatan digital, prosedur pencatatan, tiga laporan bulanan, dua varian produk, dan rencana bisnis. Kegiatan ini direkomendasikan untuk direplikasi pada usaha kuliner lain dengan pendampingan berkala dan integrasi pembayaran digital.
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Copyright (c) 2026 Andi Harmoko Arifin, Joko Rizkie Widokartie, Hendrian Hendrian, Shine Pintor Siolemba Patiro, Kabul Wahyu Utomo, Tokit Masditok, Rustandi Rustandi
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