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All Journal BIOTROPIA - The Southeast Asian Journal of Tropical Biology JURNAL PENDIDIKAN TEMATIK DIKDAS Jurnal Review Pendidikan dan Pengajaran (JRPP) Muhammadiyah Medical Journal Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Jurnal Bisnis Kompetitif Jurnal Mahasiswa Entrepreneur SEVA As-Syirkah: Islamic Economic & Financial Journal
Aziza, Aziza
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Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Immunology & microbiology Languange, Linguistic, Communication & Media Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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ASPEK KEUANGAN DALAM PERENCANAAN DAN PENGEMBANGAN BISNIS Aziza, Aziza; Ikhsan, Afdho; Junaidi, M.; Herman, Herman; Rukayyah, Rukayyah; Marantika, Abshor
Jurnal Ekonomi Bisnis Kompetif Vol 4 No 3 (2025): aktor Penentu Minat Pembelian, Kinerja Karyawan, dan Pengelolaan Hubungan Pelangg
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/bisniskompetif.v4i3.2658

Abstract

This study aims to analyze the role of financial planning and management in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs), as well as examining the obstacles faced and the role of digital technology as an innovative solution in financial management. This study uses a descriptive approach by analyzing the practices of financial planning, cash flow management, financial record keeping, and the use of digital technology by MSMEs. The results show that structured financial planning plays a crucial role in maintaining financial stability and business sustainability. However, MSMEs still face various obstacles, such as low financial literacy, mixing personal and business finances, limited access to formal financing, and weak cash flow management. The use of digital technology has proven to have significant potential in improving the efficiency, accuracy, and transparency of financial management, although its effectiveness is highly dependent on the readiness and understanding of business actors. This study concludes that strengthening financial planning supported by increased financial literacy, ongoing mentoring, and optimal use of digital technology is the main key to realizing the sustainability and competitiveness of MSMEs.
Co-Authors Abshor Marantika Anjani, Ryan Aprilia, Alya Atri Widowati Baso Amri Djaeng, Maxinus Ediyanto Erlina Zahar Erwinsyah Erwinsyah Esti Handayani Hardi Gibran, Rezal Harbeng Masni, Harbeng Herman Hutabarat, Zuhri Saputra Ikhsan, Afdho Irawan Wijaya Kusuma, Irawan Wijaya Junaidi, M. Lili Andriani Muhammad, Nanda Noor Nabila, Nur Nayla Rosa, Az-Zahra Nugroho, Rudi Agung Pramesthi, Riska Ayu Pratiwi, Heni Priyono, Ilham Rukayyah, Rukayyah Sujoko Sujoko SUKENDRO SUKENDRO, SUKENDRO Suwinarti, Wiwin Tara, Firman