SOSIALISASI UMKM DALAM MENGELOLA KEUANGAN MELALUI PEMBIAYAAN USAHA RAKYAT BANK BRI

Micro, Small, and Medium Enterprises (MSMEs) serve as a cornerstone of national economic development by absorbing a significant portion of the labor force and promoting local economic growth. However, MSMEs continue to face various challenges, particularly in financial management and access to formal financing, such as the People's Business Credit (KUR) scheme. These issues are largely attributed to the low level of financial literacy among MSME actors, especially in terms of basic financial record-keeping and understanding the procedures for loan applications. To address these challenges, a community engagement program financial management empowerment for msmes through the BRI people's business credit program was implemented in Ridogalih Village, Cibarusah District. The program employed methods of socialization, simulation, and evaluation, aiming to improve participants’ comprehension of digital bookkeeping and the procedures for applying for business loans via Bank BRI’s online platform. The results indicate a significant increase in participants’ knowledge and skills in preparing simple financial reports, as well as their understanding of the digital application process for business financing. Moreover, the participants expressed a willingness to adopt digital bookkeeping as part of their business operations to meet financing requirements. This initiative is expected to foster greater financial independence among MSMEs, enhance their access to working capital, and support the sustainability and competitiveness of their enterprises in the long term