Analysis of financial management strategies on the growth of SMEs in the digital era
Main Article Content
Abstract
This study analyzes financial management strategies that support the growth and sustainability of Small and Medium Enterprises (SMEs) in the digital era. Using a qualitative research method with a literature study approach, the research reviews various academic and practical sources related to financial management, digitalization, and SME performance. The findings reveal that digital transformation plays a crucial role in improving efficiency, transparency, and data accuracy in financial operations. However, the adoption of digital systems is often hampered by organizational resistance and a lack of readiness in both infrastructure and human resources. Strengthening financial literacy among SME owners and managers is essential to ensure that digital tools and financial technologies are used effectively to manage risks, plan budgets, and control cash flow. Moreover, the study highlights that the integration of digital finance platforms facilitates broader access to funding, encourages innovation, and enhances competitiveness in both domestic and global markets. To ensure successful financial management, SMEs must adopt proactive strategies that combine technological adaptation, effective risk management, and leadership commitment. In conclusion, the synergy between digitalization and financial literacy not only strengthens financial performance but also promotes long-term business sustainability and resilience amid economic uncertainty.
Keywords: digitalization, digital literacy, financial management, SMEs growth
Downloads
Article Details
References
Adeliya, Putri, Y., & Sanjaya, R. (2025). Pengaruh manajemen keuangan terhadap kinerja perusahaan (Studi pada UMKM di era digital) literature review. Jurnal Manajemen dan Ekonomi Bisnis, 5(1), 23–30.
Darmansyah, A., Rahadi, R. A., Afgani, K. F., Khaerani, F. R., & Kharohmayani, D. (2023). Peningkatan literasi keuangan dan optimalisasi penggunaan fintech bagi perempuan kelompok PKK. Sebatik, 27(1), 311–319. https://doi.org/10.46984/sebatik.v27i1.2257
Elven, E., & Margaretha, Y. (2025). Dampak praktik manajemen keuangan yang efektif terhadap pertumbuhan bisnis keluarga di sektor pelayaran. Jurnal Ekonomi Manajemen Sistem Informasi, 6(3), 1445–1450.
Ningsih, T. W., Tulasi, D., & Masela, M. Y. (2023). Investigasi qualitative: menggali tantangan yang dihadapi UKM Indonesia dalam mengakses layanan keuangan. Sanskara Akuntansi dan Keuangan, 1(03), 120–130. https://doi.org/10.58812/sak.v1i03.102
Pasaribu, B., Herawati, A., Utomo, K. W., & Aji, R. H. S. (2022). Metodologi Penelitian untuk Ekonomi dan Bisnis. MEDIA EDU PUSTAKA.
Punu, C., Pangemanan, S. E., & Kumayas, N. (2021). Efektifitas Program pemberdayaan masyarakat bagi Usaha Kecil Menengah (UKM) di Kota Manado. Jurnal Governance, 1(2), 1–8.
Rahmawati, I. D., Sumarno, & Sari, D. K. (2024). Digitalisasi UMKM dan Peningkatan literasi keuangan pada UMKM. Jukeshum: Jurnal Pengabdian Masyarakat, 4(1), 33–41. https://doi.org/10.51771/jukeshum.v4i1.720
Reinaldi, M., Suyatno, A., & Hastuti, I. (2024). Strategi Manajemen keuangan untuk usaha mikro, kecil, dan menengah. Jurnal Law, Accounting, Business, Economics and Language, 1(1), 14–25.
Rohmayanti, Rahmatian, B. Y., Syahrian, R. A., Pitaloka, D. A., Yasmin, S., & Febriyani, P. (2023). Pengembangan digital marketing dan manajemen keuangan bagi UMKM untuk meningkatkan perekonomian masyarakat. Jurnal Pengabdian Pada Masyarakat, 8(1), 432–439. https://doi.org/10.30653/jppm.v8i2.393
Sonjaya, Y., Sutisna, E., Zakaria, & Suratini. (2024). Transformasi manajemen keuangan dalam era digital: Perspektif pelaku usaha. Journal of Economics Review, 4(2), 185–195.
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.
Yudianto, A. (2020). Memahami Strategi pengelolaan keuangan pada usaha kecil menengah di Kota Amuntai: Studi kasus pada industri kuliner. Jurnal Bisnis Dan Pembangunan, 13(3), 249–256.
Zhahirah, A., Wibowo, Septiani Putri Ramadhani, A., Randa, P. M. R., & Panorama, M. (2023). Peluang dan tantangan usaha mikro kecil dan menegah di era digital. Jurnal Pendidikan Tambusai, 7(3), 30352–30356. https://iesp.ulm.ac.id/peluang-dan-tantangan-usaha-mikro-kecil-dan-menegah-di-era-digital/