Pemberdayaan Wisata dan UMKM Lokal : Pengembangan Model Manajemen Keuangan untuk UMKM Lokal Sektor Wisata Berbasis Digital

Abstract

The development of a digital-based financial management model for MSMEs in the tourism sector aims to improve the efficiency of financial management, business competitiveness, and business sustainability in the digital economy era. This model integrates the use of technology—such as digital financial record-keeping applications, electronic payment systems, and integration with tourism reservation platforms and marketplaces—to support more systematic, transparent, and data-driven financial management. Implementing this model enables MSME operators to monitor cash flow in real time, develop financial plans, evaluate business performance, and make more informed decisions based on financial information. In addition to supporting the management of operational funds and investments that are adaptable to the dynamic nature of the tourism sector, this model also strengthens digital financial literacy through training and mentoring. Collaboration with communities and digital platforms further expands market access and strengthens the local tourism ecosystem. Thus, the digital-based financial management model is expected to be an effective strategy for improving the productivity, competitiveness, and sustainability of tourism-sector SMEs amid the development of the digital economy.