MANAJEMEN KEUANGAN UMKM: TINGKAT PEMAHAMAN DAN IMPLIKASI PELATIHAN
Keywords:
MSMEs, financial management, capital management, financial recording, business planning, financial literacyAbstract
Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in Indonesia's economy, contributing over 60% to the Gross Domestic Product (GDP) and providing more than 97% of the national workforce. However, many MSME owners face challenges in financial management that may hinder the sustainability and growth of their businesses. This study aims to measure the understanding and knowledge of MSME owners and the general public regarding financial management. The study uses a quantitative approach with an online survey technique
through Google Forms (GForm), involving a mixed group of MSME owners and the general public. A total of 200 respondents participated in the survey. The data collected was analyzed using descriptive statistics, focusing on the frequency and percentage of responses regarding capital management, financial recording, and business planning. The results indicate that understanding of key aspects of MSME financial management, such as capital management, financial recording, and business planning, is still low, with differences in understanding between
MSME owners and the general public. The study concludes that structured training and educational programs on MSME financial management are essential to improve understanding and skills in managing business finance.
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