Managing Finances and Securing Strategic Investment for Indonesian MSME’s in Malaysia
Keywords:
SMEs, financial literacy, investment readiness, migrant entrepreneurs, community serviceAbstract
Micro, Small and Medium Enterprises (MSMEs) play a pivotal role in Indonesia's economy, contributing over 60% to the national GDP and employing 97% of the workforce. Despite this strategic importance, many MSMEs, particularly those managed by Indonesian Migrant Workers (PMI) abroad, face persistent challenges in financial management and investment readiness. This community service (PkM) program was designed to enhance the financial literacy and investment presentation skills of PMI and micro-entrepreneurs in Kuala Lumpur, Malaysia. Employing a participatory, experiential learning approach, the program consisted of interactive workshops, pitching training, group mentoring, and investment simulations. The evaluation used pre-test and post-test assessments, along with direct observations. The findings indicate a significant improvement in participants' understanding of basic financial concepts, with an average increase of 42% in post-test scores. Additionally, 100% of participants successfully prepared a simple cash flow statement, and 80% were able to develop and present an investment pitch deck. Qualitative feedback showed that the program enhanced confidence, strategic thinking, and investor-readiness among participants. The results affirm the effectiveness of experiential and context-based learning methods in building entrepreneurial capacity. This program also highlights the need for sustainable follow-up interventions and multi-stakeholder collaboration to strengthen the entrepreneurial ecosystem for marginalized and overseas SME actors.
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