Digitalization and Sharia Financial Literacy as Strategies for MSME Empowerment in Bekasi Regency
DOI:
https://doi.org/10.59422/lp.v4i03.1386Keywords:
MSME digitalization, sharia finance, digital marketing, business empowerment, business competitivenessAbstract
Micro, Small, and Medium Enterprises play an important role in supporting regional economic development; however, they continue to face challenges related to digital technology adoption and effective financial management. Limited digital literacy and insufficient understanding of sharia-based financial practices often hinder business competitiveness and sustainability. This community service program aimed to enhance the capacity of business owners in utilizing digital technology for marketing activities and implementing sharia-based financial management practices to support sustainable business growth. The program was conducted on June 6, 2026, in Bekasi Regency and involved fifteen micro, small, and medium enterprise owners. The methods employed included socialization, training sessions, hands-on practice, mentoring, and evaluation through pre-activity and post-activity assessments. The training materials covered digital marketing strategies, the use of social media and online marketplaces, digital financial recording, and financial management based on sharia principles. The results demonstrated a significant improvement in participants' understanding of business digitalization and sharia financial management. Participants showed increased ability to utilize digital platforms for marketing, operate digital bookkeeping applications, and manage business finances more systematically. Furthermore, most participants successfully implemented digital marketing practices and financial recording systems in their business operations. The program indicates that the integration of digitalization and sharia-based financial management can effectively improve the capacity, competitiveness, and sustainability of micro, small, and medium enterprises.
References
Affandi, Y., Ridhwan, M., Trinugroho, I., & Hermawan, D. (2024). Digital Adoption, Business Performance, and Financial Literacy in Ultra-Micro, Micro, and Small Enterprises in Indonesia. Research in International Business and Finance, 70(B), 102376. https://doi.org/10.1016/j.ribaf.2024.102376
Astuti, E., & Rosita, R. (2024). The Importance of MSME Digital Transformation in Indonesia's Economic Development. Sammajiva: Journal of Business and Management Research, 2(4), 119–134. https://doi.org/10.47861/sammajiva.v2i4.1499
Dimoso, R. L., & Utonga, D. (2024). A systematic review of digital technology adoption in small and medium-sized enterprises: Implications for performance in developing countries. International Journal of Development and Management Review, 19(1), 58–71. https://doi.org/10.4314/ijdmr.v19i1.4
Hasibuan, B., Sadalia, I., Muchtar, Y., Irawati, N., Nurfitriani, W., Hasibuan, L. S., & Isa, N. M. (2024). Pathways to SME Sustainability Integrating: Islamic Finance, Islamic Finance Literature and Government Support for Small and Medium Enterprises. Journal of Ecohumanism, 3(8), 6980–6989. https://doi.org/10.62754/joe.v3i8.5298
Kallmuenzer, A., Mikhaylov, A., Chelaru, M., & Czakon, W. (2024). Adoption and performance outcome of digitalization in small and medium-sized enterprises. Review of Managerial Science, 19, 2011–2038. https://doi.org/10.1007/s11846-024-00744-2
Marlina, L., Alim, A. N., Aminudin, M., Muhammadiyah, U., & Bandung. (2025). The Role of Sharia Financing in Encouraging MSME Empowerment: A Case Study of Sharia Microfinance Institutions in Indonesia. Ecosphere: Journal of Global Economics, Accounting, Management, Business and Engineering, 1(1), 14–21. https://doi.org/10.63142/ekonosfera.v1i1.119
Menne, F., Surya, B., Yusuf, M., Suriani, S., Ruslan, M., & Iskandar, I. (2022). Optimizing the Financial Performance of SMEs Based on Sharia Economy: Perspective of Economic Business Sustainability and Open Innovation. Journal of Open Innovation: Technology, Market, and Complexity, 8(1), 18. https://doi.org/10.3390/joitmc8010018
Rokhlinasari, S., Widagdo, R., & Irwandi, S. A. (2025). Ethical finance and MSME resilience: Shariah banking contribution to Indonesia's economic growth. Banks and Bank Systems, 20(3), 91–104. https://doi.org/10.21511/bbs.20(3).2025.07
Rukmanda, M. R., Bisri, H., Jubaedah, D., Gojali, D., & Hadi, S. (2025). Empowering sharia-based Micro, Small and Medium Enterprises (MSMEs) in Indonesia: A Socioeconomic and ethical framework for inclusive development. International Journal of Nusantara Islam, 13(2), 245–256. https://doi.org/10.15575/ijni.v13i2.47733
Sitompul, P. S., Sari, M. M., Gaol, C. M. B. L., & Harahap, L. M. (2025). Digital Transformation of Indonesian MSMEs: Challenges and Adaptation Strategies in the Digital Economy Era. Journal of Current Digital Business Management, 2(2), 9–18. https://doi.org/10.61132/jumbidter.v2i2.487
Suginam, S., Pamungkas, B., Rahayu, S., & Hashim, N. (2025). Integrating Islamic Values and Financial Strategy The Role of Shariah-Based Financial Management in Enhancing the Performance of Muslim MSMEs. Scientific Journal of Unified Accounting, 13(3), 451–466. https://doi.org/10.37641/jiakes.v13i3.3388
Sulhan, M., Pratikto, H., Mukhlis, I., Handayati, P., & Zain, M. I. H. (2025). Financial Behavior Dynamics of MSME Actors: A Contemporary Islamic Financial Management Study on Literacy, Attitude, Intention, Personality, and Legal Aspects. MILRev: Metro Islamic Law Review. https://doi.org/10.32332/milrev.v4i1.10075
Zacharias, A. (2024). Empowerment of MSMEs through the development of businesses based on the Islamic economy. Journal of Community Service. https://doi.org/10.56910/wrd.v4i3.629
Zacharias, A. (2025). The Role of Sharia Financial Technology (Fintech) in Increasing MSME's Financial Access. INVEST : Journal of Business Innovation and Accounting, 6(1), 94–100. https://doi.org/10.55583/invest.v6i1.1223
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Mohammad Hatta Fahamsyah, Muhammad Najamuddin Dwi Miharja, Adrianna Syariefur Rakhmat, Muhammad Hamdan Ainulyaqin, Gina Nopiyanti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Hak Cipta © Penulis.
Penulis tetap memegang hak cipta atas artikel ini dan mengizinkan jurnal untuk menerbitkannya. Artikel ini dilisensikan di bawah Creative Commons Attribution-ShareAlike 4.0 International (CC BY-SA 4.0), yang memungkinkan siapa pun untuk menggunakan, membagikan, dan mengadaptasi isi artikel selama mencantumkan atribusi yang tepat dan menggunakan lisensi yang sama untuk karya turunan.
