Pelatihan Penggunaan Chatbot Berbasis AI untuk Konsultasi Keuangan Usaha secara Mandiri

Muhtar Sapiri

doi:10.59431/ajad.v6i1.790

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Pelatihan Penggunaan Chatbot Berbasis AI untuk Konsultasi Keuangan Usaha secara Mandiri

Muhtar Sapiri

View Author Affiliations

Muhtar Sapiri: Universitas Bosowa, Indonesia

DOI:

https://doi.org/10.59431/ajad.v6i1.790

Published:

April 20, 2026

Pages:

113–120

7

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1

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Abstract

Dependence on professional financial consultants remains a persistent barrier for most SME owners, particularly those operating with limited resources and minimal exposure to formal financial education. The rapid development of Artificial Intelligence (AI) has created a concrete opportunity to address this gap — not through expensive systems, but through accessible tools such as AI-based chatbots. This community service program was designed to strengthen financial literacy and business self-reliance among SME owners through structured training on AI chatbot usage as a financial consultation medium. The program was carried out in three stages: training sessions, direct hands-on practice, and guided mentoring. A pre-test and post-test assessment was administered to measure knowledge gains across four indicators — financial literacy, AI concept comprehension, chatbot operation skills, and financial decision-making. Results show substantial improvement across all indicators, with the sharpest gains recorded in chatbot operation (114%) and AI comprehension (95%). Participants also reported greater confidence in managing daily financial records and making structured business decisions. These findings suggest that AI-based chatbot training is a viable, low-cost approach to accelerating the digital shift of SMEs in Indonesia.

Keywords

Artificial Intelligence; Chatbot; SMEs; Financial Literacy

Author Biographies

Muhtar Sapiri

Universitas Bosowa

Program Studi Manajemen, Universitas Bosowa, Kota Makassar, Provinsi Sulawesi Selatan, Indonesia

Article Identifiers

Article Title: Pelatihan Penggunaan Chatbot Berbasis AI untuk Konsultasi Keuangan Usaha secara Mandiri
DOI: 10.59431/ajad.v6i1.790
Publication Date: 2026-04-20

Journal: AJAD : Jurnal Pengabdian kepada Masyarakat
Volume: 6
Issue: 1
Pages: 113–120

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Article Details

Volume:	6
Issue:	1
Year:	2026
Published:	2026-04-20
Pages:	113–120
Section:	Articles

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How to Cite

Sapiri, M. (2026). Pelatihan Penggunaan Chatbot Berbasis AI untuk Konsultasi Keuangan Usaha secara Mandiri. AJAD : Jurnal Pengabdian Kepada Masyarakat, 6(1), 113–120. https://doi.org/10.59431/ajad.v6i1.790