Anti-Fraud UMKM Finance: Pendampingan Pengelolaan Keuangan Usaha untuk Membangun Kejujuran dan Keterbukaan Dalam Bisnis

Authors

  • Windy Jatmika Universitas Muhammadiyah Papua
  • Rafles Ginting Universitas Tanjungpura
  • Wiwit Irawati Universitas Pamulang
  • Dian Wulan Sari Universitas Bina Insan
  • Mochammad Ilyas Junjunan Universitas Islam Negeri Sunan Ampel Surabaya
  • Dian Widiyati Universitas Pamulang
  • Dwi Sulistiani Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Windi Ariesty Anggraeni Universitas Garut

DOI:

https://doi.org/10.32493/abms.v7i1.57409

Keywords:

Kata kunci: UMKM, anti-fraud, literasi keuangan, akuntabilitas, pengendalian internal

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki kontribusi signifikan terhadap perekonomian nasional, namun masih menghadapi tantangan besar dalam pengelolaan keuangan yang transparan dan akuntabel. Minimnya literasi keuangan dan lemahnya sistem pengendalian internal sering kali membuka peluang terjadinya praktik kecurangan (fraud), yang berdampak pada menurunnya kepercayaan konsumen, mitra bisnis, serta lembaga keuangan. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi keuangan, menanamkan nilai kejujuran dan akuntabilitas, serta memperkuat kemampuan pengendalian internal pada pelaku UMKM melalui program “Anti-Fraud UMKM Finance”. Metode pelaksanaan meliputi workshop, pelatihan, simulasi kasus, dan pendampingan langsung kepada 90 peserta yang merupakan pelaku usaha mikro dan jemaat Balai Paroki Redemptor Mundi, Dukuh Kupang, Surabaya. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta mengenai pencatatan transaksi, penyusunan laporan keuangan sederhana, serta penerapan sistem pencatatan anti-fraud. Sebanyak 85% peserta mulai menerapkan sistem pencatatan keuangan terpisah antara pribadi dan usaha, sedangkan 92% peserta menyatakan memperoleh pemahaman baru terkait pencegahan fraud. Kegiatan ini juga berhasil menumbuhkan budaya keterbukaan dan kejujuran dalam pengelolaan keuangan, yang pada gilirannya memperkuat kepercayaan konsumen dan mitra bisnis. Program ini dapat dijadikan model pendampingan keberlanjutan untuk memperkuat integritas dan daya saing UMKM melalui literasi keuangan dan tata kelola usaha yang transparan.


Kata kunci: UMKM, anti-fraud, literasi keuangan, akuntabilitas, pengendalian internal

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Published

2025-12-31

Issue

Vol. 7 No. 1 (2025): Abdimisi

Section

Articles

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Copyright (c) 2026 Windy Jatmika, Rafles Ginting, Wiwit Irawati, Dian Wulan Sari, Mochammad Ilyas Junjunan, Dian Widiyati, Dwi Sulistiani, Windi Ariesty Anggraeni

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