Digital Financial Literacy and Digital Financial Inclusion: Efforts to Overcome Challenges After the Covid-19 Pandemic and Increase the Independence of Financial Management

Indonesia’s post-COVID-19 recovery witnessed various sectors, including Micro, Small, and Medium Enterprises (MSMEs), striving to sustain their businesses through improved financial management. Digital financial literacy and inclusion emerged as crucial aspects of the company’s financial recovery programs. This study focuses on MSME entrepreneurs in Tasikmalaya City and aims to describe the role of digital financial literacy and inclusion in fostering financial management independence. Using a qualitative case study approach with participatory observation and secondary data sources, the study revealed that digital financial literacy positively correlated with increased knowledge, rational attitudes, and responsible financial behaviour, empowering MSMEs to effectively manage their financial resources and achieve sustainable financial security. Additionally, digital financial inclusion played a vital role in bridging gaps and ensuring the journey of sustainable development. It also highlighted the significance of customer protection and complaint handling for the financial resilience of new or novice MSME actors. The research contributes to understanding the importance of digital financial literacy and inclusion in enhancing MSMEs’ financial capabilities, promoting sustainable financial security, and supporting national Sustainable Development Goals. Collective efforts from various stakeholders are crucial to ensure the long-term prosperity of MSMEs and their active participation in the sustainable development process.