Main Article Content
Abstract
Perencanaan dan pengelolaan keuangan usaha bagi Kelompok Sadar Wisata (Pokdarwis) sangat penting mengingat rendahnya tingkat pengetahuan keuangan di kalangan kelompok usaha ini. Kegiatan pengabdian masyarakat ini dilaksanakan pada Sabtu, 31 September 2024, bertempat di Pokdarwis Sungai Jawi, Desa Agrowisata, Kecamatan Kalidoni, dengan peserta sasaran sebanyak 24 pelaku usaha mikro, kecil, dan menengah (UMKM) Pokdarwis. Program ini berlangsung selama empat bulan, menggunakan model kegiatan berupa penyuluhan dan pendampingan. Penyuluhan mencakup materi tentang perencanaan keuangan, seperti evaluasi kondisi keuangan usaha, pemisahan keuangan usaha dan rumah tangga, edukasi tentang dana darurat, serta perlindungan usaha. Pendampingan melibatkan praktik pencatatan keuangan yang meliputi arus kas, baik pemasukan maupun pengeluaran. Evaluasi dilakukan untuk mengukur efektivitas kegiatan. Hasilnya menunjukkan bahwa pemahaman peserta mengenai fungsi uang, pencatatan arus kas, serta penyusunan anggaran kas masuk dan keluar telah meningkat lebih dari 70%, atau tepatnya 80%-100% secara signifikan. Ke depan, kegiatan serupa dapat difokuskan pada pendampingan pemilihan instrument investasi yang memiliki karakteristik berbeda.
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References
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References
Adhikary, B. K., Kutsuna, K., & Stephannie, S. (2021). Does the government credit guarantee promote micro, small, and medium enterprises? Evidence from Indonesia. Journal of Small Business & Entrepreneurship, 33(3), 323-348. http://dx.doi.org/10.1080/08276331.2019. 1666338
Adrian, M., & Rahmawati, S. (2017). The Impact of Business Mentoring on Micro, Small, Medium Enterprises Performance. International Journal of Management, Entrepreneurship, Social Sciences, and Humanities, 1(1), 7-13. http://dx.doi.org/10.31098/ijmesh.v1i1.13
Agustina, Y., Subagyo, & Nurulistanti, L. (2022). How Money Circulates in Indonesian SMEs: An Analysis of Financial Literacy, Business Performance, Financial Management Behavior, and Financial Attitude. Educational Administration: Theory and Practice, 28(2), 122–132. https://doi.org/10.17762/kuey.v28i02.425
Azizah, N. F., Dumadi, & Kharisma, A. S. (2022). Pentingnya Perencanaan Keuangan bagi Pelaku Usaha Mikro Kecil dan Menengah di Desa Tiwulandu, Brebes. Jurnal Suara Pengabdian, 1(4), 118–123. https://doi.org/10.58169/jpmsaintek.v1i3.24
Dewi, I. K., Pandin, M. Y. R., & GS, A. D. (2022). Peningkatan Kinerja UMKM Melalui Pengelolaan Keuangan. Jurnal Ekonomi Akuntansi, 7(1), 23–36. https://doi.org/10.30996/jea17.v7i01.6551
FPSB. (2013). Dasar-dasar Perencana Keuangan. FPSB Indonesia.
Kistyanto, A., Rasi, R. Z., Surjanti, J., & Aji, T. S. (2020). The Effects of Self-Efficacy, Islamic Human Capital, and Financial Literacy on Sme Performance in Lamongan East Java, Indonesia. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 4(2), 193-210. https://doi.org/10.29313/amwaluna.v4i2.6030
Lusardi, A., & Mitchell, O. S. (2017). How ordinary consumers make complex economic decisions: Financial literacy and retirement readiness. Quarterly Journal of Finance, 7(03), 1750008. http://dx.doi.org/10.3386/w15350
Mariam, S., Putra, A. H. P. K., Ramli, A. H., & Aryani, F. (2023). Analysis of the Effect of Debt Level, Market Orientation, and Financial Literacy on Microenterprise Financial Performance: The Mediating Role of Consumer Behavior. Atestasi: Jurnal Ilmiah Akuntansi, 6(2), 469-494. https://doi.org/10.57178/atestasi.v6i2.706
Nanziri, L. E., & Wamalwa, P. S. (2021). Finance for SMEs and its effect on growth and inequality: evidence from South Africa. Transnational Corporations Review, 13(4), 450-466. https://doi.org/10.1080/19186444.2021.1925044
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356-376. https://doi.org/10.1108/MRR-06-2014-0143
Rapina, R., Meythi, M., Rahmatika, D. N., & Mardiana, M. (2023). The impact of financial literacy and financial behavior in entrepreneurial motivation–evidence from Indonesia. Cogent Education, 10(2), 2282827. https://doi.org/10.1080/2331186X.2023.2282827
Reni, F. (2018). Pengelolaan Keuangan Bagi Usaha Mikro Kecil Menengah (UMKM) Di Kelurahan Airputih Kecamatan Tampan Kota Pekanbaru. Sembadha: Seminar Hasil Pengabdian Kepada Masyarakat, 01(01), 225–229.
Retno, K. (2023). https://www.detiksumsel.com/kuliner-wisata/9748232497/wisata-edukasi-di-palembang-kampung-agrowisata-edukasi-sungai-jawi. Www.Detiksumsel.Com.
Sumsel.tribunnews.com. (2021). https://sumsel.tribunnews.com/2021/03/16/kampung-sungai-jawi-jadi-kampung-agro-wisata-. Website.
Tambunan, T. (2019). Recent evidence of the development of micro, small and medium enterprises in Indonesia. Journal of Global Entrepreneurship Research, 9(1), 18. https://doi.org/10.1186/s40497-018-0140-4
Utomo, S. H., Wulandari, D., Narmaditya, B. S., Ishak, S., Prayitno, P. H., Sahid, S., & Qodri, L. A. (2020). Rural-based tourism and local economic development: Evidence from Indonesia. Geo Journal of Tourism and Geosites, 31(3), 1161-1165. http://dx.doi.org/10.30892/gtg.31330-553
Wardi, J., & Putri, G. E. (2020). Pentingnya Penerapan Pengelolaan Keuangan bagi UMKM. Jurnal Ilmiah Ekonomi Dan Bisnis, 17(1), 56–62.
Wise, S. (2013). The impact of financial literacy on new venture survival. International Journal of Business and Management, 8(23), 30. https://doi.org/10.5539/ijbm.v8n23p30
Yakob, S., Yakob, R., BAM, H. S., & Rusli, R. Z. A. (2021). Financial literacy and financial performance of small and medium-sized enterprises. The South East Asian Journal of Management, 15(1), 5. https://doi.org/10.21002/seam.v15i1.13117
Yuliani, Umrie, R. H., & Bakar, S. W. (2020a). Pendidikan Literasi Keuangan bagi Siswa SMK Negeri 3 Palembang. Jurnal Abdimas Musi Charitas, 4(1), 30–42.
Yuliani, Umrie, R. hs, & Bakar, S. W. (2020b). Peningkatan Literasi Keuangan melalui Inovasi Si Apik bagi UMK Desa Tanjung Raya Kabupaten Lahat. J-Abdipamas (Jurnal Pengabdian Kepada Masyarakat), 4(1), 117–126.
Yuliani, Y., & Adam, M. (2024). Perencanaan Keuangan: Konsep dan Bukti Empiris. Unsri Press.