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Empowering MSMEs Through Digital Financial Inclusion: An Excel VBA-Based Cash Book Solution

Year: 2025

Type: conference-paper

Abstract: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economy. However, manual and unstructured financial record-keeping practices remain a major barrier to achieving financial transparency and data-driven decision-making. This study aims to develop a Digital Cash Book System based on Microsoft Excel VBA as a simple financial recording solution tailored to the characteristics of MSMEs. The research methods include system development, direct trials at Kios Bos Kecos, and evaluation through observation and interviews. The results indicate that the implementation of this system enhances recording efficiency, reduces manual errors, and provides real-time, easy-to-understand financial reports. The study’s findings suggest that simple technology-based solutions, such as Excel VBA, can serve as an effective entry point for MSMEs to adopt financial digitalization, promote digital financial inclusion, and strengthen transparent and accountable financial governance.

Source: Proceeding of International Conference on Business Economics Social Sciences and Humanities

DOI: 10.34010/icobest.v8i.683

Authors: Adi Rachmanto, Dini Fitriyanti

Institution: Universitas Komputer Indonesia

Language: English

Topic: Financial Literacy and Behavior

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Decent work and economic growth, Industry, innovation and infrastructure

Open Access status: diamond

OpenAlex ID: W4412154148

FWCI:

Cites: 14

Cited by:

Related to: 10