PELATIHAN PENGELOLAAN KEUANGAN BISNIS PELAKU UMKM GUNA MENINGKATKAN LITERASI KEUANGAN

Abstract

The vital role of Micro, Small, and Medium Enterprises (MSMEs) as a driver of the national economy is frequently accompanied by serious challenges, particularly those stemming from low levels of financial literacy. This issue is clearly observable at the partner entity, Aneka Kerupuk Fajar Putra, where most managers are homemakers (ibu-ibu rumah tangga). The majority of business actors in this sector lack the ability to differentiate between personal assets and business capital and tend to neglect the systematic recording of transactions. This study focuses on enhancing the competence and knowledge of these MSME partners in the aspect of business financial management. The methodology implemented is a participatory approach through a series of interactive training sessions, structured education, and intensive mentoring in basic bookkeeping practices. The success of the activity is measured by assessing the extent of the participants’ cognitive understanding improvement. The findings indicate a substantial jump in financial literacy scores among all participants. They now possess a strong comprehension of the importance of separating cash flow and are capable of applying a simple financial reporting framework (such as basic income statements). It can be concluded that this training intervention proves to be a crucial instrument for improving the financial literacy of MSME actors, which serves as an essential foundation for long-term business sustainability.