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All Journal Jurnal Kajian Akuntansi IJEBD (International Journal Of Entrepreneurship And Business Development) Assets: Jurnal Akuntansi dan Pendidikan JIKA: Jurnal Ilmu Keuangan dan Perbankan EAJ (ECONOMICS AND ACCOUNTING JOURNAL) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Riset Akuntansi Kontemporer Dinasti International Journal of Digital Business Management Jurnal Riset Akuntansi dan Manajemen Malahayati (JRAMM) BERNAS: Jurnal Pengabdian Kepada Masyarakat International Journal of Business, Economics, and Social Development Berajah Journal International Journal of Social Service and Research Journal of Social Research International Journal of Humanities Education and Social Sciences Jurnal Akuntansi dan Keuangan Journal of Mathematics Instruction, Social Research and Opinion Jurnal Inspirasi Binsis dan Manajemen Journal of Accounting and Finance Management (JAFM) Return : Study of Management, Economic and Bussines Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Teknologi dan Bisnis Apollo: Journal of Tourism and Business Indonesian Journal Economic Review (IJER) Journal of Sustainable Community Service Journal of Economics and Management Scienties Journal Of Economic Sciences (Ekuisci) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Social Science Utilizing Technology
Acep Komara
Universitas Swadaya Gunung Jati
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Financial Management of MSMEs in Cirebon Regency: A Qualitative Approach in Improving Performance and Sustainability Rina Destiana; Acep Komara
Journal of Social Science Utilizing Technology Vol. 2 No. 4 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jssut.v2i4.1430

Abstract

ABSTRACT Background. Effective financial management is a crucial aspect for Micro, Small, and Medium Enterprises (MSMEs) in Cirebon Regency in achieving optimal performance and business sustainability. With the existence of MSMEs that contribute significantly to the regional economy, a deep understanding of financial management is very important. Purpose. This research aims to explore the financial management practices of MSMEs through a qualitative approach, analyze the challenges faced, and identify strategies that can be applied to improve financial management. Method. This study applies a qualitative approach to explore the financial management practices of MSMEs in Cirebon Regency. Participants consisted of 20 MSME owners who manage businesses in the food and beverage, handicraft, and trade sectors, with a minimum of two years of experience. Data were collected through in-depth interviews and observations. The interviews use a semi-structured guide to obtain information about financial management practices, challenges faced, and strategies implemented, conducted directly at the business site to provide better context. Observations are carried out to understand daily financial management practices, including recording transactions and interactions with customers. The data obtained was analyzed using a thematic analysis approach. The analysis process begins with the transcription of interviews and recording of observations, followed by the identification of the main themes that emerge and their grouping into relevant categories. The results of the analysis are expected to provide in-depth insights into the financial management of MSMEs in Cirebon Regency. Results. The study show that many MSMEs in Cirebon Regency experience difficulties in financial management due to low financial literacy, lack of good financial planning, and lack of access to support from financial institutions. Conclusion. Effective financial management is very important for the performance and sustainability of MSMEs in Cirebon Regency. This article recommends the need for intensive education and training programs for MSMEs to improve their financial management skills.
Co-Authors Aan Anisah Adella, Resso Panji Agung Yulianto Agung Yulianto Ahmad Syifaudin Ait Novatiani alayda, wulan Alselina Saputri Amanda, Lisani Andi Niryanto, Muchamad Anna Sumaryati Arinal Muna Astillero, Marlon Rael Audah, Taufan Azahra, Nelly Meinissa Azis, Hellen Nadya Putri Belo, Joao Chandra Firmansyah Dedi Muhammad Siddiq Devia Adinda Setiawan Dien Noviany Rahmatika Dien Noviany Rahmatika Diva Maulidah Ega Fristianti Enceng Yana Erlina Erlina Erlina Erlina Evi Octavia Farhatul Azizah Fauzan, Raihan Fristianti, Ega Gayatria Oktalina Gustriani, Alva Haiku Katyusha Abdillah Hardini Ariningrum Inayatul Maula Indah Lestari Irwan S. Wahdiat Krisnanto Krisnanto Kuswendang, Wiwi Lala Aulia Syafina Lia Ristiani Luluk Muhimatul Ifada Lusi Alfarenza M. Yudi Mahadianto Machmuddah, Zaky Mada Purwanto W. N Mahadianto, M. Yudi Mardiyani Mardiyani Maulidah, Diva Miftahul Jannah Moh Yudi Mahadianto Muhammad Qolyuby Mukarto Siswoyo naellus saadah Nelly Meinissa Azahra Novi Novi Novi Novi Nugraha, Ari Prisela, Prisela Putri, Alfina Naufali Raden Mohamad Herdian Bhakti Rahayu, Peby Rahayu, Putri Rahman, Faisal Fajri Rhamdani, Eka Wulan Rian Gunawan Riana, Nais Rima Rachmawati Rina Destiana Ristiani, Lia Rizky Ramadhan, Rizky saadah, naellus Saha, Sanchita Salta Samsiah Samsiah Sanchita Saha Sandi Nasrudin Wibowo Saputri, Alselina Savira, Agnes Dea Siska Ernawati Fatimah Siti Bilqis Bahirah Siti Nur Hadiyati Siti Nurjanah Srisuk, Prattana Sulistiyowati, Lisa Harry Sulistiyowati, Lisa Harry Suryanto, Beni Teti Fitriansyah Tika Septiani Utami, Syita Dwi Wijaya, Steven Natanael Wiwit Apit Sulistyowati wulan alayda Wulandari, Tari Yandi Putra Pratama Yanuar, Tendi Yudan Hartawan Yuyun Oktaviana zahra salsabila