Pemanfaatan Aplikasi Keuangan Digital Oleh Umkm Dalam ‎Optimalisasi Pengelolaan Keuangan Usaha

Abstract

The use of digital technology in financial management has become an important strategy for Micro, Small, and Medium Enterprises (MSMEs) to improve efficiency and transparency of business finances. This study aims to analyze the extent to which the use of digital financial applications, such as BukuWarung, Mekari, and the like, is able to optimize financial management in MSMEs. The research method used is descriptive qualitative with a literature study approach from various journal sources and relevant reports. The results of the study show that the use of digital financial applications provides convenience in recording transactions, reporting cash flows, and controlling expenses. In addition, financial digitalization also supports MSMEs in making more accurate and efficient data-based decisions. However, obstacles such as low digital literacy and limited access to technology are still the main challenges. Therefore, support is needed from the government and related institutions in terms of training and provision of digital infrastructure so that MSMEs can maximize the potential of financial applications in running their businesses.