Peningkatan Literasi Keuangan dan Pemisahan Aset Pribadi dengan Aset Usaha pada UMKM Kecamatan Sepatan Timur

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a very significant contribution to Indonesia's economy and also help contribute to the national Gross Domestic Product (GDP). Unfortunately, financial management is still a major challenge for many MSME players today. They generally get stuck in classic problems, such as mixing personal money with business capital, neglecting daily cash recording, and struggling to get capital injections from the banking sector. This study is based on Community Service activities aimed at improving the financial literacy of MSME players in the Sepatan Timur District through education on modern financial management strategies. The implementation methods used include a participatory approach through educational counseling, interactive discussions, and direct consultations. The material covered included cash flow management, the importance of separating personal and business assets, and simple financial planning techniques. The results showed that after the educational intervention, participants gained a much more comprehensive understanding of the importance of structured financial management in efforts to boost business credibility. This understanding directly contributes to MSMEs' readiness to increase their chances of accessing funding from formal financial institutions. The program received a positive response and is estimated to help push the growth of MSMEs towards becoming more professional, sustainable, and competitive in an increasingly challenging market.