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All Journal Journal of Business Improvement Jurnal Pengabdian Masyarakat Al-Fatimah
Monica Resavita
Institut Agama Islam Al-Fatimah Bojonegoro
Religion Economics, Econometrics & Finance Education Social Sciences

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Cash Flow Management Assistance for Micro, Small, and Medium Enterprises (MSMEs) in Bojonegoro and Tuban Monica Resavita; Nanang Setiawan
Jurnal Pengabdian Masyarakat Al-Fatimah Vol. 1 No. 1 (2024): Edisi Perdana, Juni 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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Abstract

MSMEs are the backbone of Indonesia's economy. One of the challenges currently faced by MSMEs is operational difficulties, including limited financial and administrative capacity. This limitation makes it difficult for MSMEs to prepare working capital and meet short-term obligations. The objective of this research is to analyze financial management in five MSMEs in the Tuban and Bojonegoro regencies and provide assistance in cash flow management. This assistance is expected to improve financial and administrative capacity, thereby benefiting their business development. Assistance was provided to five MSMEs, namely Toko Kelontong Nurul Muttaqin and Hijab by Azkia Scraft from Bojonegoro, Hendry Aldy MUA, Mebel UD Jaya Makmur, and Toko Kelontong Subur Makmur from Tuban. The research results refer to four indicators of financial management and show that all MSMEs studied use budgeting plans, keep simple records, and exercise adequate control. However, not all MSMEs understand the reporting indicators in their financial statements. The analysis results from this research will serve as material for the assistance provided over approximately three months
Strengthening Business Capital in Micro, Small, and Medium Enterprises (MSMEs) through Investment in Peer-to-Peer Lending Platforms Monica Resavita; Muhamad Mujib
Journal of Business Improvement Vol 1 No 3 (2024): Edisi III, Oktober 2024
Publisher : Institut Agama Islam Al-Fatimah Bojonegoro

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The purpose of this study is to elaborate on investment schemes within peer-to-peer lending platforms as a means of strengthening capital for Micro, Small, and Medium Enterprises (MSMEs). The research design and procedures employed a qualitative approach using literature review analysis techniques. The results revealed that public interest in investing through peer-to-peer lending platforms can increase the availability of capital for MSMEs, considering that not all MSMEs obtain financing from banks. Therefore, the availability of capital on peer-to-peer lending platforms can serve as an alternative funding option for MSMEs. The higher the public interest in investing on these platforms, the more capital becomes available. Five factors influence public interest in investing in peer-to-peer lending platforms: risk perception, financial literacy, ease of access, and attractive returns
Co-Authors Muhamad Mujib Nanang Setiawan