Pengelolaan Kas dan Strategi Kelangsungan Usaha pada Pedagang Kecil Somai Bagas di Pringapus

Abstrak

This study aims to analyze financial management in Micro, Small, and Medium Enterprises (MSMEs) in Semarang Regency, focusing on various business sectors such as culinary, retail, and handicrafts. Using a qualitative approach, data was collected through in-depth interviews lasting 30–45 minutes with 10 MSME owners. Each interview followed a structured format to ensure the depth of data obtained. The findings indicate that 70% of business owners still use manual methods for financial recording, while the remaining 30% use digital financial applications, although they face technical challenges in their usage. The main challenges faced include inadequate financial literacy (60%) and the impact of income fluctuations (50%) due to market uncertainties. A total of 80% of respondents expressed interest in improving their financial management skills. This study recommends developing digital-based financial training programs and technology support for MSMEs as a sustainable step to improve financial management efficiency and ensure the long-term viability of their businesses.