PENGUATAN TATA KELOLA KEUANGAN UMKM MELALUI RENCANA BISNIS DAN PROYEKSI KEUANGAN UNTUK PEMBIAYAAN BERKELANJUTAN
DOI:
https://doi.org/10.58526/ezrasciencebulletin.v4i2.586Keywords:
UMKM, tata kelola keuangan, rencana bisnis, proyeksi keuangan, pembiayaan berkelanjutanAbstract
Keterbatasan tata kelola keuangan masih menjadi hambatan penting bagi UMKM dalam mengakses pembiayaan produktif. Program pengabdian ini diarahkan untuk memperkuat kemampuan mitra menyusun rencana bisnis dan proyeksi keuangan sebagai dasar komunikasi kelayakan usaha. Kegiatan menggunakan pendekatan deskriptif-partisipatif melalui sosialisasi, asesmen kebutuhan, pelatihan rencana bisnis, pelatihan proyeksi laba rugi, neraca, arus kas, titik impas, rasio keuangan dasar, penerapan spreadsheet digital, pendampingan dokumen, simulasi presentasi kelayakan, dan evaluasi keberlanjutan. Hasil rancangan program menunjukkan bahwa dokumen rencana bisnis, proyeksi keuangan, dan template spreadsheet dapat membantu UMKM menyajikan informasi usaha secara lebih sistematis, realistis, dan bankable. Penguatan ini tidak menjamin persetujuan pembiayaan, tetapi meningkatkan kesiapan administratif, kemampuan analitis, dan dasar pengambilan keputusan usaha berbasis data.
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Copyright (c) 2026 Tito Malindo, Aulia Zanuarisma, Meila Sari (Author)
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Ezra Science Bulletin is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
