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All Journal Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement)
Eleonora Sofilda
Diploma Program in Islamic Finance and Banking, Faculty of Economics and Business
Decision Sciences, Operations Research & Management

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Simple Cash Flow Management Training to Prevent Financial Distress Among KSBI Micro-Entrepreneurs in South Jakarta Muhammad Zilal Hamzah; Eleonora Sofilda; Dida Nurhaida
Jurnal Pengabdian kepada Masyarakat (Indonesian Journal of Community Engagement) Vol 12, No 2 (2026): Juni
Publisher : Direktorat Pengabdian kepada Masyarakat Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jpkm.109583

Abstract

Micro-entrepreneurs in Indonesia, particularly those in the informal sector, often face difficulties in financial management because of limited knowledge of basic cash flow practices. To address this issue, a community engagement program was conducted for members of Komunitas Sukses Berjamaah Indonesia (KSBI) in South Jakarta, with a focus on simple cash flow management training. Using a Participatory Action Research (PAR) approach, the program involved 25 micro-entrepreneurs through the stages of diagnosis, action, evaluation, and reflection. The training modules covered income and expense tracking, cash flow forecasting, and emergency fund planning. Pre-and post-test results showed a significant improvement in participants’ financial literacy, with the overall mean score increasing from 54.5 to 85.3. Participant feedback also indicated strongly positive responses, with 95% reporting an improved ability to separate personal and business finances and all participants expressing greater confidence in making financial decisions. In addition, 85% of participants planned to build emergency savings after the training. Overall, the program strengthened basic financial management skills and encouraged more structured financial practices among micro-entrepreneurs.
Co-Authors Dida Nurhaida Muhammad Zilal Hamzah