The Effectiveness of Social Media in Increasing Financial Literacy Among MSME Actors in Indonesia

This study examines the effectiveness of social media in improving financial literacy in MSME actors in Indonesia through a literature study method. The focus of the research includes analyzing the patterns of social media use for financial education, evaluating the effectiveness of various content formats, and identifying implementation challenges. The results of the study showed that the penetration rate of social media use for financial information reached 78.3%, with short video and infographic formats as the most effective methods (85.3% understanding rate). A longitudinal study of 500 MSME actors showed that 67.8% of respondents experienced an improvement in financial management skills after participating in financial education content on social media for six months. Key challenges include the digital divide (35%), difficulty verifying information (42%), and learning inconsistencies (55%). The study recommends an integrated approach and adaptive learning model for optimizing social media-based financial education. The implications of the research provide a basis for the development of policies and strategies to improve MSME financial literacy through digital platforms.