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All Journal Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Savira Anjelin
Universitas 17 Agustus 1945 Kota Surabaya, Jawa Timur
Economics, Econometrics & Finance

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Analisis Faktor-Faktor yang Mempengaruhi Ketidakteraturan Pengelolaan Keuangan UMKM pada Sektor Katering di Kecamatan Mulyorejo Savira Anjelin; Azra Maharani Yasita; Agustin Cintya Masita; Chesta Fillail Adabi; Tries Ellia Sandari
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): JULI : Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v6i2.2289

Abstract

In Indonesia, Micro, Small, and Medium Enterprises (MSMEs) are crucial for driving national economic development, particularly within the broad and prevalent micro-enterprise segment. However, in practice, financial management in micro-enterprises often exhibits variations that can impact business performance and sustainability. This study aims to identify and examine the factors that contribute to differences in financial management in MSMEs, particularly in the catering sector in Mulyorejo Regency. A qualitative descriptive method was used through observation, in-depth interviews, and documentation of micro-enterprise participants. The results indicate that these differences arise from several significant factors, including inadequate financial literacy, a lack of an organized record-keeping system, a tendency to combine personal and business finances, and an ineffective internal control and oversight system. Furthermore, personal ethics and limited use of technology contribute to errors in financial reporting. This study found that improving the quality of financial management requires discipline in routine documentation, strict cash segregation, and improved operational oversight
Co-Authors Agustin Cintya Masita Azra Maharani Yasita Chesta Fillail Adabi Tries Ellia Sandari