MEMBANGUN UMKM TANGGUH DI ERA DIGITAL MELALUI LITERASI FINTECH DAN KEAMANAN SIBER BERBASIS SDG

Abstract

Micro, small, and medium enterprises (MSMEs) now depend heavily on digital payments, while phishing,
illegal online lending, and thin knowledge of consumer rights remain everyday threats. This community
service activity trained 32 MSME owners from the Jakpreneur community under DPPKUKM, the TDA
Entrepreneur Community, and Bank Indonesia assisted enterprises, framed as a contribution to SDG 4 on
quality education. The one-day training, held on 23 July 2026, covered fintech products, cyber hygiene,
and consumer protection under OJK rules and Indonesia's Personal Data Protection Law. Evaluation used
matched pre-test and post-test scores (n=32) analysed with a paired t-test and the Wilcoxon signed-rank
test, plus a satisfaction survey. Participants already answered 91.0% of items correctly before the session
and 94.5% afterwards, so the gain was not significant (p=0.245; p=0.204). This points to a ceiling effect,
a pattern reported in comparable training evaluations. Satisfaction was high and even across all aspects
(4.32-4.41 of 5), and every participant said they would recommend the programme. For communities that
already receive this kind of education regularly, short-term score differences appear to be a poor measure
of benefit, and evaluation instruments need redesigning for the next cycle.