Penguatan Literasi Keuangan Digital dan Keamanan Siber Bagi UMKM Desa Banjar Sumbawa Barat

Abstract

This community service program aims to enhance digital financial literacy and cybersecurity awareness among Micro, Small, and Medium Enterprises (MSMEs) operating in the food and beverage sector in Banjar Village, West Sumbawa Regency, West Nusa Tenggara. The primary challenges faced by MSMEs include inadequate separation between personal and business finances, weak financial record-keeping practices, limited utilization of digital financial applications, and insufficient awareness of cybercrime risks. A participatory approach was employed through stages of needs assessment, training, hands-on practice, and evaluation. The program covered the use of digital financial record-keeping applications, adoption of cashless payment systems through digital wallets and QRIS, as well as cybersecurity education based on practical checks of device and digital account security. The results indicate improvements in participants’ understanding and implementation of digital financial management, increased use of non-cash transactions, and heightened cybersecurity awareness. This program contributes to strengthening MSME financial governance and enhancing business resilience against cyber risks in the digital economy era.