PENGELOLAAN KEUANGAN PEDAGANG KECIL DI KAWASAN GANG KELINCI SEKITAR KAMPUS UNIVERSITAS PGRI MADIUN

Abstrak

Penelitian ini bertujuan untuk mengetahui pengelolaan keuangan pedagang kecil di kawasan Gang Kelinci, terutama sebelum dan saat masa libur semester perkuliahan. Fokus utama penelitian mencangkup beberapa aspek yaitu : Stabilitas pendapatan pedagang kecil di kawasan Gang Kelinci sekitar Kampus Universitas PGRI Madiun, pola pengelolaan keuangan sebelum dan selama libur semester, permasalahan yang dihadapi dalam pengelolaan keuangan saat libur, peran keluarga dalam pengelolaan usaha dan keuangan, serta pengelolaan tabungan dan investasi keluarga pedagang. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Informan dalam penelitian ini berjumlah enam orang pedagang kecil yang berjualan di kawasan Gang Kelinci. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi, sedangkan validitas data diuji dengan menggunakan triangulasi sumber, teknik, dan waktu. Hasil penelitian menunjukkan bahwa pendapatan pedagang cenderung stabil ketika kampus aktif, namun mengalami penurunan signifikan selama libur semester. Pola pengelolaan keuangan dilakukan secara sederhana dan sebagian besar pedagang belum melakukan pencatatan yang terpisah antara keuangan usaha dan rumah tangga. Permasalahan yang muncul saat liburan meliputi penurunan pembeli, meningkatnya persaingan, serta pengeluaran keluarga yang relatif tetap. Keluarga berperan penting dalam mendukung kelangsungan usaha, terutama dalam pengelolaan pengeluaran, meskipun belum semua anggota keluarga dilibatkan secara aktif. Tabungan dilakukan secara harian dan sebagian pedagang menitipkan uangnya di lembaga keuangan syariah seperti BMT NU (Baitul Maal wat Tamwil Nahdlatul Ulama). Namun, sebagian besar pedagang tidak memiliki rencana dalam hal pengelolaan keuangan yang lebih lanjut, seperti investasi. Meskipun investasi bukan hanya tentang aset fisik, pengambilan keputusan mereka dipengaruhi oleh ketidaktahuan.

This study aims to examine the financial management of small traders in the Gang Kelinci area, particularly before and during the university semester break. The main focus of the study covers several aspects, including: the stability of small merchants' income in the Gang Kelinci area near the PGRI University of Madiun campus, financial management patterns before and during the semester break, challenges faced in financial management during the break, the role of family in business and financial management, as well as family savings and investment management. This study employs a qualitative approach using a descriptive method. The informants in this study consisted of six small-scale merchants operating in the Gang Kelinci area. Data collection techniques included observation, interviews, and documentation, while data validity was tested using triangulation of sources, techniques, and time. The results of the study indicate that merchants' income tends to be stable when the campus is active, but experiences a significant decline during the semester break. Financial management is conducted in a simple manner, and most merchants have not yet separated business and household finances. Issues that arise during holidays include a decrease in customers, increased competition, and relatively fixed family expenses. Families play a crucial role in supporting business continuity, particularly in managing expenses, although not all family members are actively involved. Savings are made daily, and some merchants deposit their money in Islamic financial institutions such as BMT NU (Baitul Maal wat Tamwil Nahdlatul Ulama). However, most merchants do not have plans for further financial management, such as investments. Although investments are not only about physical assets, their decision-making is influenced by a lack of knowledge.