Pendampingan tata kelola keuangan UMKM berbasis digital untuk generasi Z

Rudi Santoso, Amalia Herlina

Submitted : 2023-05-23, Published : 2023-08-01.

Abstract

Kompetensi dalam mengelola keuangan bagi Usaha Mikro Kecil Menengah (UMKM) menjadi penting pada saat UMKM tumbuh dan berkembang. Perkembangan ini juga tidak terlepas dari pertumbuhan UMKM di Indonesia yang terus meningkat dari tahun ke tahun. Dalam tulisan ini dilaporkan telah dilakukan kegiatan pelatihan manajemen keuangan untuk 100 UMKM Generasi Z di Surabaya. Pendampingan dan Pelatihan Tata Kelola Keuangan ini bertujuan untuk membantu pelaku UMKM meningkatkan kompetensinya dalam pengelolaan keuangan. Materi pendampingan ini terdiri dari 4 (empat) materi utama mulai dari pencatatan keuangan, pemisahan keuangan, proteksi keuangan, dan perencanaan keuangan. Hasil evaluasi pelatihan menunjukkan adanya peningkatan kemampuan dan pemahaman peserta pelatihan tentang pengelolaan keuangan usaha.

Keywords

finance; MSME's; Digital Economic; Financial Inclusion

References

Iramani, A. A. Fauzi, D. A. Wulandari, and Lutfi, "Financial literacy and business performances improvement of micro, small, medium-sized enterprises in East Java Province, Indonesia," International Journal of Education Economics and Development, vol. 9, no. 4, 2018, doi: 10.1504/IJEED.2018.096069

E. Sutrisno, "Post-Pandemic Economic Recovery Strategy Through The MSME's and Tourism Sector," Jurnal Kajian Lembaga Ketahanan Nasional Republik Indonesia, vol. 9, no. 1, 2020.

R. Santoso, M. S. Erstiawan, and M. Mujayana, "Review of Virtual Currency Potential as a Payment Instrument in Legal Aspect in Indonesia," International Journal of Business and Management Invention (IJBMI), vol. 7, no. 12, pp. 57-64, Dec. 2018.

Sutarjo and S. J. Raharja, "Entrepreneurial Spirit in Economic Development: A Study of Two Digital Start-up Companies in Jakarta, Indonesia," Review of Integrative Business and Economics Research, vol. 9, no. 1, 2020.

R. R. Ahmed, J. Vveinhardt, and D. Streimikiene, "Interactive digital media and impact of customer attitude and technology on brand awareness: evidence from the South Asian countries," Journal of Business Economics and Management, vol. 18, no. 6, pp. 1115-1134, 2017, doi: 10.3846/16111699.2017.1400460

T. Arun and R. Kamath, "Financial inclusion: Policies and practices," IIMB Management Review, vol. 27, no. 4, pp. 267-287, Dec. 2015, doi: 10.1016/j.iimb.2015.09.004

L. Trautman and W. Aho, "Crowdfunding, Entrepreneurship, and Start-Up Finance," Entrepreneur and Innovation Exchange, 2019, doi: 10.32617/403-5d4c0e0041267

E. Battisti, S. Alfiero, R. Quaglia, and D. Yahiaoui, "Financial performance and global start-ups: the impact of knowledge management practices," Journal of International Management, vol. 28, no. 4, 2022, doi: 10.1016/j.intman.2022.100938

D. F. A. Mastuti and F. Indriyani, "Peran Mobile Banking dan Keuangan Inklusi Terhadap Peningkatan Profitabilitas Perbankan Syariah di Indonesia," Bulletin of Management and Business, vol. 2, no. 1, 2021.

S. M. Damayanti and R. Zakarias, "Generasi Milenial sebagai Pengguna Fintech: Dampaknya terhadap Literasi dan Inklusi Keuangan di Indonesia," Ekonomi dan Bisnis, vol. 7, no. 2, 2020, doi: 10.35590/jeb.v7i2.2193

Z. xiong Huang, K. S. Savita, and J. Zhong-jie, "The Business Intelligence impact on the financial performance of start-ups," Inf Process Manag, vol. 59, no. 1, 2022, doi: 10.1016/j.ipm.2021.102761

D. Ratzinger, K. Amess, A. Greenman, and S. Mosey, "The impact of digital start-up founders' higher education on reaching equity investment milestones," Journal of Technology Transfer, vol. 43, no. 3, 2018, doi: 10.1007/s10961-017-9627-3

D. A. Sutejo, "Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Pengelolaan Keuangan Terhadap Keputusan Investasi Generasi Milenial Di Kota Malang," Jurnal Ilmiah Mahasiswa FEB, vol. 10, no. 1, 2021, doi : 10.23887/jiah.v10i2.25574

Z. Lu, J. Wu, H. Li, and D. K. Nguyen, "Local Bank, Digital Financial Inclusion and SME Financing Constraints: Empirical Evidence from China," Emerging Markets Finance and Trade, vol. 58, no. 6, 2022, doi: 10.1080/1540496X.2021.1923477

Z. Wang, "Digital Finance, Financing Constraint and Enterprise Financial Risk," Journal of Mathematics, vol. 2022, 2022, doi: 10.1155/2022/2882113

P. K. Ozili, "Impact of digital finance on financial inclusion and stability," Borsa Istanbul Review, vol. 18, no. 4, 2018, doi: 10.1016/j.bir.2017.12.003

A. Singapurwoko, "Do financial technology startups disrupt business and performance of financial institutions in Indonesia?," International Journal of Business and Management Science, vol. 9, no. 1, 2019.

W. laura Hardilawati, "Strategi Bertahan UMKM di Tengah Pandemi Covid-19," Jurnal Akuntansi dan Ekonomika, vol. 10, no. 1, pp. 89-98, 2020, doi: 10.37859/jae.v10i1.1934

L. Hakim, "87 Persen Pelaku UMKM di Jawa Timur Terdampak Pandemi COVID-19," Sindonews, pp. 1-2, 2021.

B. Dharma and A. M. B. Syarbaini, "Perancangan Mitigasi Risiko Krusial Pada UMKM Keripik di Sumatera Utara Dengan Pendekatan Transdisipliner," Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam, vol. 6, no. 01, 2022, doi: 10.30868/ad.v6i01.2260

R. Santoso, "Disrupsi pandemi dan strategi pemulihan industri kreatif," Jurnal Manajemen dan Kewirausahaan, vol. 7, no. 1, pp. 48-58, Jan. 2022, Accessed: Feb. 20, 2022, doi: 10.32503/jmk.v7i1.2101

R. Santoso, "Tinjauan Literatur Tentang Pendidikan, Disiplin, dan Kemampuan Kerja Mendorong Kinerja Karyawan," Jurnal Media Mahardika, vol. 20, no. 3, pp. 524-533, May 2022, doi: 10.29062/mahardika.v20i3.405

K. E. Kovalenko et al., "Models of business education in Russia and their main competitive advantages," J Entrep Educ, vol. 22, no. 3, 2019.

I. Humaira and E. M. Sagoro, "Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul," Nominal, Barometer Riset Akuntansi dan Manajemen, vol. 7, no. 1, 2018, doi: 10.21831/nominal.v7i1.19363

I. Alfi, "Strategi Keuangan Umkm Cilacap Menghadapi Pandemi Covid 19 (Studi Kasus Umkm Kabupaten Cilacap)," 2020.

Article Metrics

Abstract view: 268 times
Download     : 102   times Download     : 67   times

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Refbacks

  • There are currently no refbacks.