Analysis of Financial Management in MSMEs of Gelamai Perentak Business at Pasar Atas Bangko, Bangko District, Merangin Regency, Jambi Province

M. Sukri; Ambok Pangiuk; Lidya Anggraeni

doi:10.63922/ijebir.v5i05.6659

M. Sukri Islamic Financial Management, Islamic University of Sulthan Thaha Saifuddin Jambi.
Ambok Pangiuk Islamic Financial Management, Islamic University of Sulthan Thaha Saifuddin Jambi.
Lidya Anggraeni Islamic Financial Management, Islamic University of Sulthan Thaha Saifuddin Jambi.

DOI: https://doi.org/10.63922/ijebir.v5i05.6659

Keywords: Financial Management; MSMEs; POAC; Gelamai Perentak; Merangin Regency.

Abstract

Financial management is an important aspect in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze financial management at Gelamai Perentak MSME in Pasar Atas Bangko, Merangin Regency, identify the obstacles faced, and examine efforts to improve financial management. This study employed a descriptive qualitative approach, with data collected through interviews, observations, and documentation. The results show that financial management has been implemented through planning, organizing, actuating, and controlling (POAC), but remains simple and not yet optimal. Financial planning is based mainly on experience, financial management is centralized in the business owner, and business and personal finances are not fully separated. Transaction recording, cash flow management, and financial reporting are also not conducted systematically. The main obstacles include limited financial literacy, irregular recording, and limited use of digital technology. Improvement efforts include financial literacy training, regular transaction recording, separation of business and personal finances, preparation of simple financial statements, and gradual use of digital technology.

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