Literasi Keuangan Guna Mewujudkan UMKM Berkelanjutan di Era Endemi Covid-19

Abstract

Kehadiran Pandemi Covid-19 pada dua tahun belakangan ini membawa dampak yang besar terhadap eksistensi suatu bisnis khususnya Usaha Mikro, Kecil dan Menengah (UMKM). Bahkan tidak sedikit UMKM yang menutup kegiatan usaha mereka karena tidak dapat bertahan terhadap kondisi pandemic Covid-19. Sebagian besar Pelaku UMKM menghadapi kondisi permasalahan yang sama yakni kurangnya pengetahuan yang memadai perihal literasi keuangan dalam mengelola kegiatan usahanya. Berdasarkan permasalahan yang dialami, alternatif solusi yang ditawarkan adalah melalui kegiatan pelatihan literasi keuangan bagi pelaku UMKM Desa Suradiata dan Desa Mekarwangi, Kabupaten Tangerang. Pelatihan ini untuk mempersiapkan para pelaku UMKM agar mampu bertahan menghadapi kondisi yang susah akibat pandemic Covid-19. Adapun metode pengabdian kepada masyarakat yang dilakukan yakni meliputi: tahap persiapan yang terdiri dari observasi, wawancara dengan kepala desa, penyampaian materi, dan penyuluhan materi; tahap pelaksanaan terdiri dari pelaksanaan kegiatan seminar diawali dengan pendekatan dan pendampingan kepada pelaku usaha; tahap evaluasi evaluasi kegiatan yang telah dilaksanakan. Dari hasil kegiatan pelatihan yang telah dilakukan, para peserta kegiatan memiliki wawasan dan pandangan baru dan melek literasi keuangan dalam mengelola kegiatan usaha dan memaksimalkan pendapatan yang diterima.

Kata kunci— Literasi Keuangan, UMKM Berkelanjutan, Pelatihan, Endemi Covid-19

Abstract

The presence of the Covid-19 Pandemic in the last two years has had a major impact on the existence of a business, especially Micro, Small and Medium Enterprises (MSMEs). Not even a few MSMEs have closed their business activities because they cannot survive the conditions of the Covid-19 pandemic. Most MSMEs actors face the same problem conditions, namely a lack of adequate knowledge regarding financial literacy in managing their business activities. Based on the problems experienced, an alternative solution is offered through financial literacy training activities for MSMEs in Suradiata and Mekarwangi Village, Tangerang Regency. This training is to prepare MSMEs actors to be able to survive in difficult conditions due to the Covid-19 pandemic. The community service methods carried out include: the preparation stage which consists of observation, interviews with village heads, delivery of material, and material counseling; the implementation stage consists of carrying out seminar activities starting with approaches and assistance to business actors; evaluation stage evaluation of activities that have been implemented. From the results of the training activities that have been carried out, the activity participants have new insights and views and financial literacy literacy in managing business activities and maximizing the income received.

Keywords—Financial Literacy, Sustainable MSMEs, Training, Covid-19 Endemic