Peningkatan literasi dan inklusi keuangan bagi pelaku UMKM di Desa Lembak

Budi Setiawan

Abstract


Abstrak

Usaha, Mikro, Kecil dan Menengah (UMKM) memiliki peran strategis dalam perekonomian, namun banyak pelaku usaha menghadapi tantangan dalam pengelolaan keuangan, termasuk pencatatan transaksi, pengelolaan modal, serta pemahaman terhadap akses pembiayaan. Kurangnya literasi keuangan dapat menghambat pertumbuhan usaha dan keberlanjutan bisnis. Program pengabdian ini bertujuan untuk meningkatkan literasi keuangan bagi pelaku UMKM di Desa Lembak, Kabupaten Ogan Ilir, Provinsi Sumatera Selatan guna mendukung pengelolaan usaha yang lebih baik dan berkelanjutan. Kegiatan ini melibatkan 40 pelaku UMKM yang terdiri dari berbagai sektor usaha, seperti perdagangan, kuliner, dan kerajinan kain songket dan tenun. Metode pelaksanaan meliputi sosialisasi tentang literasi keuangan, pelatihan interaktif, serta pendampingan langsung dalam penyusunan laporan keuangan sederhana dan strategi perencanaan keuangan usaha. Materi yang disampaikan mencakup dasar-dasar manajemen keuangan, teknik pencatatan keuangan berbasis digital, serta akses permodalan dari lembaga keuangan formal. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap informasi dasar keuangan mencakup numerasi, inflasi dan divesrifikasi risiko. Dengan adanya program ini, diharapkan pelaku UMKM di Desa Lembak dapat mengembangkan usaha secara lebih berkelanjutan dan meningkatkan daya saing di pasar, sekaligus berkontribusi pada pencapaian Tujuan Pembangunan Berkelanjutan (Sustainable Development Goals/SDGs) nomor 8, yaitu Pekerjaan Layak dan Pertumbuhan Ekonomi.

 

Kata kunci: literasi keuangan; inklusi keuangan; UMKM Desa; keuangan UMKM; SDG8

 

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the local economy. However, many business owners face challenges in financial management, including transaction recording, capital management, and understanding access to financing. A lack of financial literacy can hinder business growth and sustainability. This community service program aims to enhance financial literacy among MSME actors in Lembak Village, Ogan Ilir Regency, South Sumatra Province, to support better and more sustainable business management. This initiative involves 40 MSME participants from various business sectors, including trade, culinary, and traditional Songket and Tenun weaving crafts. The implementation methods include socialization on financial literacy, interactive training, and direct assistance in preparing simple financial reports and business financial planning strategies. The materials delivered cover the basics of financial management, digital-based financial recording techniques, and access to capital from formal financial institutions. The results of the activities indicate an increase in participants' understanding of basic financial information, including numeracy, inflation, and risk diversification. Through this program, it is expected that MSME actors in Lembak Village can develop their businesses more sustainably and enhance their competitiveness in the market while also contributing to the achievement of Sustainable Development Goal (SDG) No. 8: Decent Work and Economic Growth.

 

Keywords: financial literacy; financial inclusion; rural MSMEs; SME finance; SDG8


Keywords


financial literacy; financial inclusion; rural MSMEs; SME finance; SDG8

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DOI: https://doi.org/10.31764/jpmb.v9i3.30427

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