Building Digital Financial Capability Among MSMEs: A Conceptual Community Service Training Model for Economics and Business Faculties
DOI:
https://doi.org/10.64243/JOCESI.01.1.03Kata Kunci:
Community Service, Digital Financial Literacy, Financial Inclusion, MSME Empowerment, Program Management, Training DesignAbstrak
Digital transformation has reshaped how micro, small, and medium enterprises (MSMEs) manage transactions, record keeping, and access to finance, yet Indonesia's national survey evidence indicates that financial literacy continues to lag behind financial inclusion, leaving many MSME owners exposed to unverified digital financial products despite growing platform access. University community service (Pengabdian kepada Masyarakat/PKM) programs have become a primary vehicle for closing this gap at the grassroots level, but reported programs vary widely in design intensity, from single-session socialization to sustained mentoring, without a consolidated conceptual model that connects training design to measurable financial capability outcomes. This article presents a structured narrative literature review and conceptual model addressing how PKM programs can strengthen MSME owners' digital financial literacy in a durable, behavior-changing way. Drawing on peer-reviewed studies and reported PKM practices published between 2019 and 2026, the review synthesizes financial literacy and digital financial capability frameworks together with evidence from recent Indonesian PKM training programs for MSMEs. Based on this synthesis, the article proposes the Participatory Digital Financial Literacy (PDFL) model, a five-stage community service framework covering needs and baseline assessment, contextual curriculum design, guided digital-tool practice, mentored financial-record implementation, and evaluation with sustainability planning. The article further proposes a companion evaluation instrument framework that future PKM teams, including those at the Faculty of Economics and Business, Universitas Negeri Jakarta, may adopt and empirically validate. The model offers a mentoring-intensive, behavior-oriented alternative to one-off socialization events and provides a replicable roadmap for strengthening MSME financial resilience.
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