Strategi Manajemen Keuangan Berkelanjutan Bagi Umkm Melalui Program Literasi Keuangan

This study aims to determine sustainable financial management strategies for MSMEs through a digital literacy program. This study uses a qualitative approach with descriptive methods. The research location was selected purposively. Informants in this study were MSME owners, program facilitators, and academics or experts in the field of microfinance. Data collection techniques used were in-depth interviews, field observations, and documentation. The results showed that the financial literacy program has been proven to have a significant impact on changing the financial management behavior of MSME owners. After participating in the program, MSME owners showed increased awareness in separating personal and business finances, recording daily transactions, and developing more focused financial plans. The implementation of sustainable financial management strategies is seen through four main aspects: financial planning, cash flow control, capital efficiency, and strengthening accountability. The implementation of these practices helps MSME owners improve operational efficiency, maintain liquidity stability, and build transparency and trust in business financial management