Simple Cash Flow Management Training to Prevent Financial Distress Among KSBI Micro-Entrepreneurs in South Jakarta

https://doi.org/10.22146/jpkm.109583

Muhammad Zilal Hamzah(1), Eleonora Sofilda(2*), Dida Nurhaida(3)

(1) Doctoral Program in Economics, Faculty of Economics and Business, Universitas Trisakti
(2) Diploma Program in Islamic Finance and Banking, Faculty of Economics and Business
(3) Faculty of Economics and Business, Universitas Trisakti, Jakarta, Indonesia
(*) Corresponding Author

Abstract


Micro-entrepreneurs in Indonesia, particularly those in the informal sector, often face difficulties in financial management because of limited knowledge of basic cash flow practices. To address this issue, a community engagement program was conducted for members of Komunitas Sukses Berjamaah Indonesia (KSBI) in South Jakarta, with a focus on simple cash flow management training. Using a Participatory Action Research (PAR) approach, the program involved 25 micro-entrepreneurs through the stages of diagnosis, action, evaluation, and reflection. The training modules covered income and expense tracking, cash flow forecasting, and emergency fund planning. Pre-and post-test results showed a significant improvement in participants’ financial literacy, with the overall mean score increasing from 54.5 to 85.3. Participant feedback also indicated strongly positive responses, with 95% reporting an improved ability to separate personal and business finances and all participants expressing greater confidence in making financial decisions. In addition, 85% of participants planned to build emergency savings after the training. Overall, the program strengthened basic financial management skills and encouraged more structured financial practices among micro-entrepreneurs.


Keywords


Cash flow management; Community empowerment; Financial literacy; MSMEs; Participatory action research

Full Text:

PDF


References

Asiah, N., & Wulandari, D. S. (2024). Training on financial management and budget planning for the sustainability of MSMEs. Jurnal Pengabdian Pancasila (JPP), 3(4), 231–240.

Bachtiar, H. A., & Pranawukir, I. (2024). Strategi Peningkatan Brand Positioning untuk Produk dan Jasa: Penyuluhan Bagi Perkumpulan UMKM Komunitas Sukses Berjamaah Indonesia (KSBI) di Jakarta Selatan. Jurnal Pengabdian Kepada Masyarakat), 7(1). https://doi.org/10.69552/abdi_kami.v7i1.2363

Bergold, J., & Thomas, S. (2012). Participatory research methods: A methodological approach in motion. Historical Social Research, 191–222. https://doi.org/10.12759/hsr.37.2012.4.191-222

BPS. (2023). Profil Industri Mikro dan Kecil 2021. Badan Pusat Statistik Bergold, J., & Thomas, S. (2012). Participatory research methods: A methodological approach in motion. Historical Social Research, 191–222. https://doi.org/10.12759/hsr.37.2012.4.191-222

Cornish, F., Breton, N., Moreno-Tabarez, U., Delgado, J., Rua, M., de-Graft Aikins, A., & Hodgetts, D. (2023). Participatory action research. Nature Reviews Methods Primers, 3(1), 2–14. https://doi.org/10.1038/s43586-023-00214-1

Daryanto, W. M. (2021). Audit, accounting, and finance training for management trainees of PT HSBC Jakarta. Journal of Innovation and Community Engagement, 2(2), 89–100. https://doi.org/10.28932/jice.v2i2.3584

Hamzah, M. Z., Purnamaningrum, T. K., Astuti, C. D., Yumiarsi, & Anggraeni, D. (2024). Mengukuhkan kemandirian finansial melalui literasi keuangan. Indonesian Journal of Economic Community Development, 2(2), 119–128. https://doi.org/doi.org/10.25105/gw0myh18

Kamelia, M., Saputri, D. A., & Widiani, N. (2020). Pendampingan komunitas tunarungu dalam fortifikasi kalsium cangkang telur pada berbagai penganan. Jurnal Pengabdian Kepada Masyarakat (Indonesian Journal of Community Engagement), 6(1), 09. https://doi.org/10.22146/jpkm.42740

Koesoemasari, D. S. P., Lestari, S., Harsuti, H., Surveyandini, M., Putri, D. A., Juliantika, M. N.,
& Putri, J. A. (2024). Community-based participatory action research methodology to improve financial literacy and financial inclusion of women entrepreuner. Eduvest - Journal of Universal Studies, 4(10), 9507–9515. https://doi.org/10.59188/eduvest.v4i10.39010

Margaretha, F. L., Hartini, H., & Sari, W. (2020). Perencanaan keuangan keluarga komunitas Usaha Kecil Menengah Indonesia (UKAMI) Banten Bersinar. Indonesian Journal of Economic Community Development, 1(1), 26–34. https://doi.org/10.25105/ijecd.v1i1.7282

Misnan, M., Sukma, A. H., Riyantie, M., Hamboer, M. J. E., & Barizki, R. N. (2024). Pelatihan desain packaging dengan Canva dan Wepik. ABDI KAMI: Jurnal Pengabdian Kepada Masyarakat, 7(1), 028. https://doi.org/10.69552/abdi_kami.v7i1.2364

Nugraha, E. R., Amin, M. N., Rachmawati, S., & Sugiyarti, L. (2022). Pemberdayaan pengusaha UMKM bidang kuliner di Jabodetabek dalam pengelolaan cash flow dan perpajakannya. Jurnal Abdikaryasakti, 2(1), 13–24. https://doi.org/10.25105/ja.v2i1.12805

Nurchayati, N. (2025). Analysis of the Impact of Cash Management on Liquidity in SMEs in Indonesia. Journal of Neonatal Surgery, 14(2), 106–109. https://doi.org/10.52783/jns.v14.1788

Nurhaida, D., Patriyasa, M. A., Lutfi, M. Y., & Haq, A. (2025). Crafting a business model for students at Sekolah Kewirausahaan Bina Amanah Cordova (SKBAC) in Tangerang, Banten. Indonesian Journal of Community Engagement, 11(2), 103–110. https://doi.org/10.22146/jpkm.93689

Putri, E. R., Bariski, R. N., & Desilawati, N. (2024). Optimalisasi tata ruang dan etalase untuk meningkatkan daya tarik konsumen. ABDI KAMI: Jurnal Pengabdian Kepada Masyarakat, 7(2), 186–201. https://doi.org/10.69552/abdi_kami.v7i2.2708

Rosliyati, A., Iskandar, Y., & Manajemen, M. (2024). The influence of financial education and financial literacy in improving financial management behavior in Tasikmalaya MSMEs business actors. International Journal on Social Science, Economics and Art, 14(3), 319–325.

Ruscitasari, Z., Nurcahyanti, F. W., & Wibisono, D. (2022). Financial literacy and financial planning and control level in micro, small and medium enterprise: The mediating role of proactive employees. Jurnal Dinamika Akuntansi dan Bisnis, 9(1), 107–120. https://doi.org/10.24815/jdab.v9i1.23620

Sofilda, E., Hariyanti, D., & Wahyuni, L. (2024). Enhancing financial literacy to achieve economic independence. Mattawang: Jurnal Pengabdian Masyarakat, 5(3), 156–161. https://doi.org/10.35877/454ri.mattawang2921

Usman, H., Pamungkas, E. W., Kalsum, U., Patria, N., Surahman, B., Mikro, U., Akuntansi, S., &
Aplikasi, B. (2024). Pendampingan implementasi sistem akuntansi berbasis aplikasi untuk UMKM. Communnity Development Journal, 5(5), 9921–9925. https://doi.org/10.31004/cdj.v5i5.36055

Utami, E. S., Aprilia, M. R., & Putra, I. C. A. (2021). Financial literacy of micro, small, and medium enterprises of consumption sector in Probolinggo City. Jurnal Manajemen dan Kewirausahaan, 23(1), 10–17. https://doi.org/10.9744/jmk.23.1.10-17



DOI: https://doi.org/10.22146/jpkm.109583

Article Metrics

Abstract views : 3 | views : 0

Refbacks

  • There are currently no refbacks.


Bookmark and Share


Copyright (c) 2026 Jurnal Pengabdian kepada Masyarakat (Indonesian Journal of Community Engagement)

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Jurnal Pengabdian kepada Masyarakat (Indonesian Journal of Community Engagement) ISSN (print) 2460-9447, ISSN (online) 2541-5883