Optimizing the Implementation of Digital Financial Management to Enhance the Business Revenue of the Boneless Milkfish MSME "88 Marijo" in Pinrang Regency
Article Sidebar
Main Article Content
Abstract
The rapid development of digital transformation has encouraged Micro, Small, and Medium Enterprises (MSMEs) to optimize financial management through the utilization of digital technology. UKM 88 Marijohas adopted digital payment transactions and technology-based marketing media; however, digitalization has not yet been fully integrated into transaction recording, financial reporting, and financial information management. This study aimed to analyze the implementation, optimization, and challenges of digital-based financial management in improving business income. The study employed a mixed methods approach by combining qualitative and quantitative methods. Data were collected through observation, interviews, documentation, and literature review. The research informants consisted of the business owner, finance staff, production staff, and marketing staff, selected using purposive sampling. Data were analyzed using descriptive qualitative and descriptive quantitative techniques. The findings indicate that digitalization has been utilized in payment transactions and marketing activities, providing greater transaction convenience, expanding market reach, and improving operational efficiency. However, its implementation has not been integrated into financial recording and reporting systems. The main challenges include simple financial management practices, limited use of digital financial applications, the absence of an integrated financial information system, and the need to improve human resource competencies in digital financial management. Therefore, integrating digital technology into all financial management processes is essential to enhance management effectiveness and support sustainable business income growth.
Downloads
Article Details
Section
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
Afifah, F. D. N., Ruba, M. G., & Utama, Y. Y. (2023). Analisis manajemen digital dalam mengoptimalkan kinerja bisnis. Proceedings of Islamic Economics, Business, and Philanthropy, 2(1), 11–23.
Arodhiskara, Y., & Rosadi, I. (2023). UMKM menuju well literate. Penerbit NEM.
Ar, A., & Nurwani, M. (2024). Pengaruh SIA, SPI, dan target anggaran terhadap kualitas laporan keuangan PT. Mappadeceng Jaya Lestari. AJAR, 7(1), 21–37.
Dewi, N. D., & Sani, M. A. (2025). Digitalisasi manajemen keuangan sebagai strategi transformasi bisnis di era ekonomi digital. Journal of Islamic Business Management Studies (JIBMS), 6(1), 53–58.
Duha, T. (2025). Manajemen keuangan digital dalam era industri 5.0: Studi literatur terhadap perubahan strategi keuangan perusahaan. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3), 716–723.
Hasdiana, Rivaldi, I., & A. (2025). Analisis penentuan harga pokok produksi full costing dalam menentukan harga jual pada CV Tirta Rahman Kota Parepare. Journal AK-99, 5(1).
Izzati, N., Tri, H., Kurnia, A., & Lubis, F. K. (2025). Pengaruh implementasi aplikasi keuangan berbasis digital terhadap optimalisasi kinerja UMKM di Kecamatan Medan Johor. Value: Jurnal Ilmiah Akuntansi Keuangan dan Bisnis, 6(1).
LinkUMKM. (2025, September 22). Digitalisasi UMKM melaju pesat, dorong pertumbuhan ekonomi nasional. https://linkumkm.id/news/detail/16899/digitalisasi-umkm-melaju-pesat-dorong-pertumbuhan-ekonomi-nasional
Muhamad Febrianto, Nashran Azizan, M. A. L., et al. (2025). Optimalisasi model bisnis UMKM berbasis digital untuk meningkatkan daya saing di era industri 4.0. Journal of Community Dedication, 5(2), 334–341.
Moniaga, F., et al. (2024). Pengantar metodologi penelitian kualitatif. Gita Lentera.
Nartin, D. (2023). Metode penelitian kualitatif. Yayasan Cendikia Mulia Mandiri.
Pettalongi, et al. (2025). Metodologi penelitian kuantitatif.
Putri, A. S., Selviyanti, E. W., Ningrum, H. A. M., & Suhatmi, E. C. (2025). Peran manajemen keuangan digital dalam pengelolaan keuangan pada UMKM di Surakarta. Prosiding Seminar Nasional Hukum, Bisnis, Sains dan Teknologi, 5(1), 239–245.
Rosadi, I., Rahmani, Aulia, T. R., Amalia, P., & Halisa, N. (2026). Pendampingan nasabah dalam penggunaan aplikasi BYOND untuk meningkatkan literasi m-banking BSI Cabang Parepare [Customer guidance in using the BYOND application to improve m-banking literacy at BSI Parepare Branch]. Jurnal Pengabdian kepada Masyarakat Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Parepare, Volume(Nomor).
Sugianto, I. (2025). Manajemen keuangan untuk UMKM dalam meningkatkan kinerja keuangan dengan strategi agilitas. Takaza Innovatix Labs.
Sugiyono. (2023). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Undang-Undang Republik Indonesia Nomor 1 Tahun 2024 tentang Perubahan Kedua atas Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik. (2024).
Wahyudi, A., Marantika, Y., Imanda, C. A., Jaufani, S. F., & Wijaya, H. T. (2025). Strategi peningkatan kinerja keuangan UMKM melalui digitalisasi akuntansi. Jurnal Ilmiah Ekonomi dan Manajemen, 3(3), 36–39.
Wahyudiono, A. (2024). Transformasi digital manajemen keuangan UMKM melalui workshop penerapan aplikasi Labamu dan pencatatan keuangan yang efisien. Paramacitra Jurnal Pengabdian Masyarakat, 2(1), 156–168.
Wati, K. L., & Rahmah, W. (2025). Transformasi manajemen keuangan UMKM dalam era digital dan ketidakpastian ekonomi: Sebuah eksplorasi humanistik. 4(3), 566–575.