Dwi Budi Srisulistiowati, Rani Suryani

Analisa Manajemen Keuangan Dalam Meningkatkan Keberhasilan Wirausaha UMKM Di Mustikajaya Bekasi

Introduction

Analisa manajemen keuangan dalam meningkatkan keberhasilan wirausaha umkm di mustikajaya bekasi. Analisis dampak manajemen keuangan pada kesuksesan UMKM di Mustikajaya, Bekasi. Penelitian ini mengungkap pentingnya pencatatan, arus kas, dan kontrol biaya untuk usaha mikro.

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) mempunyai peran penting dalam membantu pertumbuhan ekonomi, menciptakan lapangan kerja, dan memajukan kesejahteraan masyarakat. Namun, banyak pekerja UMKM masih menghadapi berbagai masalah dalam mengelola keuangan. Mereka sering kesulitan mencatat transaksi, tidak memiliki rencana keuangan yang baik, dan sering mencampur keuangan pribadi dengan keuangan bisnis. Penelitian ini bertujuan untuk menilai pengaruh pengelolaan keuangan terhadap keberhasilan UMKM di Mustikajaya, Bekasi. Metode yang digunakan adalah pendekatan deskriptif kuantitatif. Data dikumpulkan melalui wawancara, kuesioner, dokumentasi, dan studi literatur. Dalam penelitian ini, sampelnya terdiri dari 30 pekerja UMKM yang dipilih menggunakan teknik purposive sampling. Data dianalisis menggunakan metode statistik deskriptif dan regresi linier sederhana. Temuan penelitian menunjukan bahwa ada dampak positif dari manajemen keuangan terhadap kesuksesan UMKM dengan koefisien determinasi (R²) yang mencapai 0,81 atau 81% dari kesuksesan UMKM dipengaruhi oleh penerapan manajemen keuangan, sementara 19% lainnya disebabkan oleh faktor-faktor lain di luar ruang lingkup penelitian ini. Pengusaha yang memperlakukan pencatatan keuangan, pengelolaan arus kas, serta pengontrolan biaya dengan baik cenderung mempunyai tingkat keberhasilan yang lebih.

Review

The study, "Analisa Manajemen Keuangan Dalam Meningkatkan Keberhasilan Wirausaha UMKM Di Mustikajaya Bekasi," addresses a critically important topic concerning the sustainability and growth of Micro, Small, and Medium Enterprises (UMKM) in Indonesia. The abstract clearly articulates the significant role of UMKMs in economic development and job creation, while simultaneously identifying common financial management challenges faced by these entrepreneurs, such as poor transaction recording, lack of financial planning, and the commingling of personal and business finances. This foundational problem statement sets a strong context for the research, establishing a clear need to investigate how effective financial management can contribute to the success of UMKMs. Employing a descriptive quantitative approach, the research effectively utilizes a multi-faceted data collection strategy, including interviews, questionnaires, documentation, and a literature review, to gather comprehensive insights. The selection of 30 UMKM workers in Mustikajaya via purposive sampling, while relatively small, is appropriate for an initial regional study. The subsequent analysis using descriptive statistics and simple linear regression is suitable for assessing the hypothesized relationship. A key strength of the study lies in its robust finding: a significant positive impact of financial management on UMKM success, quantified by an impressive R² value of 0.81. This indicates that 81% of UMKM success can be attributed to the implementation of sound financial management practices, specifically emphasizing the importance of diligent transaction recording, effective cash flow management, and stringent cost control. The findings of this research provide valuable empirical evidence underscoring the direct correlation between good financial management practices and UMKM success. The high coefficient of determination (R²) strongly supports the study's central argument, offering actionable insights for UMKM entrepreneurs and policymakers alike. The clear emphasis on recording transactions, managing cash flow, and controlling costs serves as a practical guide for improving business outcomes. While acknowledging that 19% of success is influenced by external factors, the study makes a substantial contribution by isolating and quantifying the impact of internal financial discipline. This research is highly relevant for developing targeted training programs and support initiatives aimed at enhancing the financial literacy and management capabilities of UMKMs, ultimately fostering greater entrepreneurial success and economic stability in regions like Mustikajaya.

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