Integrasi Literasi Digital Security, Edukasi Pinjaman Online Ilegal, dan Sosialisasi Waste Management dalam Pengembangan UMKM Binaan Yayasan Bina Mulia Depok
DOI:
https://doi.org/10.36312/p2nz8e55Keywords:
literasi digital, pinjaman online illegal, Pengelolaan sampah, UMKM, Pengabdian masyarakatAbstract
Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam ekonomi nasional dengan kontribusi 61% terhadap PDB, namun masih menghadapi tantangan dalam literasi keuangan digital dan maraknya pinjaman online ilegal yang mengancam keberlanjutan usaha. Kegiatan pengabdian ini bertujuan untuk meningkatkan pemahaman pelaku UMKM terhadap keamanan digital, risiko pinjaman ilegal, serta memperkenalkan prinsip pengelolaan sampah berbasis 5R (Refuse, Reduce, Reuse, Recycle, Rot) sebagai bagian dari pengembangan usaha berkelanjutan. Program dilaksanakan dengan pendekatan Service Learning melalui pelatihan interaktif kepada 50 pelaku UMKM sektor makanan dan minuman binaan Yayasan Bina Mulia, Kota Depok. Materi disampaikan oleh narasumber ahli dari Otoritas Jasa Keuangan (OJK) dan Badan Riset dan Inovasi Nasional (BRIN), dilengkapi dengan penyerahan modul pelatihan untuk implementasi mandiri. Evaluasi dilakukan melalui pre-test dan post-test dengan metode N-Gain, yang menunjukkan peningkatan pemahaman sebesar 77,61% dan tergolong efektif. Peserta menunjukkan peningkatan signifikan dalam memahami legalitas pinjaman online, perlindungan data pribadi, dan kesadaran lingkungan melalui pengelolaan limbah usaha. Kegiatan ini mengidentifikasi tantangan implementasi seperti keterbatasan akses digital dan ruang usaha, yang diatasi melalui strategi pendampingan berkelanjutan dan sistem dukungan terstruktur. Dampak jangka panjang yang diharapkan mencakup peningkatan daya saing UMKM melalui stabilitas finansial dan akses ke green financing, serta keberlanjutan lingkungan melalui praktik ramah lingkungan yang meningkatkan brand image dan efisiensi operasional. Program ini menunjukkan bahwa pendekatan edukatif terpadu dengan dukungan pasca-pelatihan mampu membentuk literasi digital dan kesadaran berkelanjutan untuk pengembangan UMKM yang tangguh dalam konteks ekonomi digital dan tantangan lingkungan global.
Integration of Digital Security Literacy, Illegal Online Loan Education, and Waste Management Socialization in The Development of MSMEs Assisted by The Bina Mulia Depok Foundation
Abstract
Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, contributing 61% to GDP, yet they still face challenges in digital financial literacy and the proliferation of illegal online loans that threaten business sustainability. This community service activity aims to enhance MSMEs' understanding of digital security, illegal loan risks, and introduce waste management principles based on 5R (Refuse, Reduce, Reuse, Recycle, Rot) as part of sustainable business development. The program was implemented using a Service Learning approach through interactive training for 50 food and beverage sector MSME operators under Yayasan Bina Mulia, Depok City. Materials were delivered by expert speakers from the Financial Services Authority (OJK) and the National Research and Innovation Agency (BRIN), complemented by training module distribution for independent implementation. Evaluation was conducted through pre-test and post-test using the N-Gain method, showing a 77.61% improvement in understanding, categorized as effective. Participants demonstrated significant improvement in understanding online loan legality, personal data protection, and environmental awareness through business waste management. This activity identified implementation challenges such as limited digital access and business space, which were addressed through continuous mentoring strategies and structured support systems. Expected long-term impacts include enhanced MSME competitiveness through financial stability and access to green financing, as well as environmental sustainability through eco-friendly practices that improve brand image and operational efficiency. This program demonstrates that an integrated educational approach with post-training support can build digital literacy and sustainability awareness for resilient MSME development in the context of the digital economy and global environmental challenges.
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