Pendampingan Pengelolaan Keuangan UMKM di Desa Petanjungan Kecamatan Petarukan Kabupaten Pemalang Jawa Tengah
Keywords:
financial literacy, financial management, mentoring, MSME, PemalangAbstract
This community service program aims to improve the financial management capacity of micro, small, and medium enterprises (MSMEs) in Petanjungan Village, Petarukan District, Pemalang Regency, Central Java. Many MSMEs in the area still manage finances traditionally without proper bookkeeping, resulting in difficulties in measuring business performance, accessing financing, and making decisions. The method used was participatory action through counseling, training, and mentoring, focusing on financial literacy, simple bookkeeping, cash flow management, and cost efficiency. The results showed that MSME participants experienced increased understanding and skills in preparing simple financial reports, improved awareness of separating business and personal finances, and better ability to analyze financial performance. This activity not only provided practical skills but also built awareness of the importance of financial transparency for business sustainability. The program demonstrates that structured assistance can empower MSMEs to be more resilient and competitive.
References
Akbar, F. (2023). Sinergi perguruan tinggi dan masyarakat dalam pemberdayaan ekonomi desa. Jurnal Pemberdayaan, 7(2), 88–97.
Bringle, R. G., & Hatcher, J. A. (1996). Implementing service learning in higher education. The Journal of Higher Education, 67(2), 22–239. https://doi.org/10.1080/00221546.1996.11780257
Chambers, R. (1994). The origins and practice of participatory rural appraisal. World Development,
22(7), 953–969. https://doi.org/10.1016/0305-750X(94)90141-4
Eade, D. (1997). Capacity-building: An approach to people-centred development. Oxford: Oxfam.
Etzkowitz, H., & Leydesdorff, L. (2000). The dynamics of innovation: From National Systems and
“Mode 2” to a Triple Helix of university–industry–government relations. Research Policy, 29(2), 109–123. https://doi.org/10.1016/S0048-7333(99)00055-4
Ife, J. (2016). Community development in an uncertain world: Vision, analysis and practice. Cambridge: Cambridge University Press.
Kementerian Koperasi dan UMKM. (2023). Laporan tahunan UMKM Indonesia 2023. Jakarta: Kemenkop UKM.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Mardiyati, S., Nugraha, A., & Setiawan, R. (2022). Implementasi program pengabdian berbasis kebutuhan masyarakat. Jurnal AbdiNegara, 3(1), 45–56.
Morgan, P. (2006). The concept of capacity. Maastricht: European Centre for Development Policy Management (ECDPM).
Mutegi, H. K., Njeru, P. W., & Ongesa, N. T. (2020). Financial literacy and financial performance of small and medium enterprises. International Journal of Economics, Commerce and Management, 8(5), 1–15.
Pretty, J. N. (1995). Participatory learning for sustainable agriculture. World Development, 23(8), 1247– 1263. https://doi.org/10.1016/0305-750X(95)00046-F
Prijono, O. S., & Pranarka, A. M. W. (2020). Pemberdayaan: Konsep, kebijakan, dan implementasi. Jakarta: CSIS.
Purwidianti, W., & Mudjiyanti, R. (2016). Analisis tingkat literasi keuangan di kalangan UMKM kota Purwokerto. Jurnal Manajemen dan Bisnis Media Ekonomi, 16(1), 1–15.
Ranga, M., & Etzkowitz, H. (2013). Triple helix systems: An analytical framework for innovation policy and practice in the knowledge society. Industry and Higher Education, 27(3), 237–262.
https://doi.org/10.5367/ihe.2013.0165
Suharto, E. (2014). Membangun masyarakat memberdayakan rakyat. Bandung: Refika Aditama. Yuniarti, N., Astuti, R., & Sari, P. (2022). Kolaborasi perguruan tinggi, pemerintah, dan masyarakat dalam pemberdayaan UMKM. Jurnal Pengabdian Masyarakat Indonesia, 4(2), 115–127
