STRATEGI EDUKASI LITERASI KEUANGAN DIGITAL BAGI SEKTOR UMKM: SEBUAH TINJAUAN LITERATUR

Abstract

The development of digital financial technology has driven changes in the management of micro, small, and medium enterprises (MSMEs). However, low levels of digital financial literacy remain a barrier for MSME actors in utilizing digital financial services optimally and safely. This study aims to analyze and synthesize various digital financial literacy education strategies that can be applied to the MSME sector. The research uses a Systematic Literature Review (SLR) method with a descriptive qualitative approach. Data were obtained through article searches in the Google Scholar database using the Publish or Perish application with the keywords "digital financial literacy," "MSMEs," and "education strategies." The selection process was conducted based on inclusion and exclusion criteria, resulting in 24 relevant articles for analysis. The findings indicate that digital financial literacy plays an important role in improving financial management capabilities, utilization of financial technology, and the sustainability of MSME businesses. Education strategies that are commonly applied include digital applications, human resource capacity building, and the integration of financial literacy with digital literacy and business management. The research findings show that education strategies that are practical, sustainable, and supported by digital technology utilization have higher effectiveness in improving the digital financial literacy of MSME actors. This study is expected to serve as a reference for the government, financial institutions, and educational institutions in designing more effective and sustainable digital financial literacy education programs for the MSME sector.