Pemberdayaan Kelompok Usaha Bersama UMKM Melalui Penguatan Literasi dan Pengelolaan Keuangan di Desa Wisata Sukarame Carita

Bida Sari; Maya Syafriana Effendi; Maryati Rahayu; Moch Firmansyah; Azizah Naila; Azura Syarla

Bida Sari FEB, Universitas Persada Indonesia YAI, Jakarta
Maya Syafriana Effendi FEB, Universitas Persada Indonesia YAI, Jakarta
Maryati Rahayu FEB, UPI-Y.A.I., Jakarta
Moch Firmansyah FEB, UPI-Y.A.I., Jakarta
Azizah Naila FEB, UPI-Y.A.I., Jakarta
Azura Syarla FTI, Universitas Nasional, Jakarta

Keywords: Financial Literacy, Joint Business Group (KUBE), Sukarame Tourism Village, Digital Marketing, MSME Empowerment

Abstract

Sukarame Tourism Village, Carita District, Pandeglang Regency, Banten, has community-based
economic potential through Micro, Small, and Medium Enterprises (MSMEs) and Joint Business
Groups (KUBE). However, local business operators still face challenges, including low financial
literacy, the lack of separation between personal and business finances, limited ability to calculate
production costs and determine appropriate selling prices, and conventional business
management practices. This Community Service Program (PKM) aims to strengthen the capacity
of KUBE and MSMEs through improved and sustainable financial management practices. The
program employed several methods, including socialization, practice-based training (learning by
doing), implementation of simple bookkeeping and digital technology, intensive assistance, and
achievement-based evaluation. The results showed an increase in financial literacy understanding
of up to 85%, improved separation of personal and business finances, and enhanced ability to
calculate production costs and determine selling prices. The program contributed to improving
business management practices, strengthening KUBE institutional capacity, and promoting the
economic independence and sustainability of the Sukarame Tourism Village community.