Digitalization of the KARI and KARA Web-based Financial Recording Systems to Improve Financial Literacy of Mulia Prasama Danarta Cooperative Members

Andre Kurniawan Pamudji; Stephani Inggrit Swastini Dewi; Ridwan Sanjaya

doi:10.28932/ice.v7i1.13378

Authors

Andre Kurniawan Pamudji Department of Information Systems, Soegijapranata Catholic University, Semarang, Indonesia
Stephani Inggrit Swastini Dewi Department of Information Systems, Soegijapranata Catholic University, Semarang, Indonesia
Ridwan Sanjaya Department of Information Systems, Soegijapranata Catholic University, Semarang, Indonesia

DOI:

https://doi.org/10.28932/ice.v7i1.13378

Keywords:

cooperatives, digitalization, financial applications, financial literacy, KARI KARA

Abstract

Mulia Prasama Danarta Savings and Loan Cooperative is committed to improving the economic welfare of its members through financial literacy programs, one of which is the Budget Card (KARA) and Daily Card (KARI) methods. However, the implementation of these methods was still done manually using paper, making it inefficient, vulnerable to data loss, and unable to provide automatic financial analysis. This community service activity aimed to design and implement a web-based financial recording system to digitize the KARI and KARA methods, making it easier for members to plan budgets and record daily transactions. The implementation method for this activity utilized a participatory approach that included four stages: (1) survey and needs analysis, (2) website platform development, (3) dissemination and training attended by 50 members on July 28, 2025, and (4) impact evaluation attended by 27 members on September 11, 2025. Feedback data collection was carried out through an online questionnaire. The results of the activity show that the digital platform was successfully developed according to needs and was very positively received by members. Evaluation data shows that 92.6% of users intend to continue using this system because it is considered easy and useful. In addition, constructive feedback was obtained for future feature development, such as budgeting period flexibility. It was concluded that digitizing the KARI and KARA systems through a website platform is an effective solution with significant potential to increase the effectiveness of cooperative financial literacy programs and encourage better financial management practices for MSME members and individuals.

References

Alam, A. S., Harini, D., & Ernitawati, Y. (2024). Pengaruh literasi keuangan dan perilaku keuangan anggota terhadap pendapatan Koperasi Mitra Dhuafa cabang Kedungbanteng Kabupaten Tegal. Jurnal Akademik Ekonomi dan Manajemen, 1(3), 185-196. https://doi.org/10.61722/jaem.v1i3.2612

Almuzakki, M. Z., Nugroho, H., Oktafiani, I., Ephraim, D., Alexander, C. Z., Tarigan, C. A. P., & Zakiah, Z. (2025). Pengembangan aplikasi pencatatan keuangan ringan dan mobile-friendly berbasis website untuk unit usaha mikro. Jurnal SOLMA, 14(2), 2695–2705. https://doi.org/10.22236/solma.v14i2.18968

Aryal, N., & Panta, S. B. (2015). Financial literacy and co-operatives sustainability: A study among the executive members of the co-operatives. International Journal of Community and Cooperative Studies, 3(3), 17-29.

Chandrawati, T. B., Prasetya, F. X. H., Pamudji, A. K., & Dewi, S. I. S. (2025). Adoption and utilization of mobile technology in e-learning: Driving digital inclusion and economic growth. ScienceRise, 1, 54-61. https://doi.org/10.21303/2313-8416.2025.003848

Eseza, N., David, N., & Andrew, N. (2025). The influence of cooperative financial literacy, training and advisory strategies on women’s financial empowerment: A review. Asian Journal of Economics, Business and Accounting, 25(3), 151–167. https://doi.org/10.9734/ajeba/2025/v25i31701

Nguyen, M. T. N. & Thao, T. P. (2015). Factors affecting personal financial management behaviors: Evidence from Vietnam. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance, and Social Sciences. Danang, Vietnam.

Niroo, M. (2022). Exploring the relationship between cooperative learning and financial literacy of students. The International Open Access Journal of Resistive Economics, 10(3), 77-87. https://doi.org/10.22034/oajre.2024.469630.1091

Prasetya, F. X. H., Harnadi, B., Widiantoro, A. D., & Pamudji, A. K. (2022). Expectation-Confirmation Model (ECM) to see satisfaction and continued intention of e-learning (“cyber”). 2022 6th International Conference on Information Technology (InCIT), 303-308. https://doi.org/10.1109/InCIT56086.2022.10067619

Susilawati, M. (2021). Koperasi digital: Seberapa penting dan kesiapannya?. Akuntansi Bisnis dan Manajemen, 28(2), 38-52. https://doi.org/10.35606/jabm.v28i2.925

Windarto, Martini, & Irawan. Y. E. (2024). Pengembangan aplikasi manajemen keuangan berbasis Android di Pondok Pesantren Nurul Hidayah menuju capaian SDGs 9. Sebatik, 28(2). https://doi.org/10.46984/sebatik.v28i2.2491