Literasi Keuangan pada UMKM ‘Aisiyah Kabupaten Semarang

Maya Indriastuti, Mutamimah Mutamimah

Abstract


Pemahaman literasi keuangan yang dikuasai oleh UMKM ‘Aisiyah Kabupaten Semarang saat ini masih kurang, sehingga diperlukan pelatihan dan pendampingan sebagai bentuk pengabdian masyarakat di wilayah tersebut sekaligus memberikan stimulus kepada UMKM ‘Aisiyah sehingga pengelolaan keuangan dapat dipertanggungjawabkan dengan baik. Tujuan kegiatan pengabdian masyarakat ini: a) meningkatkan pengetahuan dan pemahaman tentang literasi keuangan; b) meningkatkan kompetensi terkait perencanaan keuangan, pengelolaan keuangan, produk keuangan, pembiayaan bisnis, dan manajemen risiko. Mitra pengabdian ini adalah Ibu-ibu pengusaha ‘Aisiyah Kabupaten Semarang. Metode pengabdian masyarakat, yaitu: a) mengidentifikasi tingkat pengetahuan dan pemahaman mereka terkait literasi keuangan; b) memberi stimulus pelatihan literasi keuangan berupa perencanaan keuangan, pengelolaan keuangan, produk keuangan, pembiayaan bisnis, dan manajemen risiko; c) monitoring dan evaluasi. Hasil kegiatan pengabdian ini menunjukkan bahwa: a) UMKM ‘Aisiyah mendapatkan tambahan pengetahuan dan pemahaman tentang literasi keuangan; b) UMKM ‘Aisiyah memiliki kompetensi mulai dari perencanaan, pengelolaan, pembiayaan hingga manajemen risiko. Urgensi kegiatan pengabdian ini terletak pada pentingnya literasi keuangan dalam pengembangan usaha guna keberlangsungan UMKM ‘Aisiyah.

The understanding of financial literacy that is controlled by MSMEs 'Aisiyah, Semarang Regency is currently still lacking, so training and assistance are needed as a form of community service in the region as well as providing a stimulus to MSMEs 'Aisiyah so that financial management can be properly accounted. The objectives of this community service are: a) increasing knowledge and understanding of financial literacy; b) improve competencies related to financial planning, financial management, financial products, business financing, and risk management. The partners of this service are businesswomen 'Aisiyah Semarang District. Community service methods, namely: a). Understand their level of knowledge and understanding regarding financial literacy; b). provide financial literacy training stimulus in the form of financial planning, financial management, financial products, business financing, and risk management; c). monitoring and evaluation. The results of this dedication show that: a). The women entrepreneurs of ‘Aisiyah gained additional knowledge and understanding of financial literacy; b). The women entrepreneurs of 'Aisiyah have competencies ranging from planning, management, financing to risk management. The urgency of this service activity lies in the importance of literacy in business development for the sustainability of MSMEs Aisiyah.


Keywords


financial literacy; financing management; risk management

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DOI: http://dx.doi.org/10.30659/ijocs.4.2.176-184

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