Pendampingan Penyusunan Business Plan dan Penguatan Kelayakan Usaha Untuk Meningkatkan Akses Pembiayaan UMKM Di Desa Jimbaran Wetan, Sidoarjo

Mutiara Rachma Ardhiani; Sugijanto; Ferry Hariawan; Fachrudy Asj’ari; Christina Menuk Sri Handayani

doi:10.36456/ekobisabdimas.7.1.11728

Authors

Mutiara Rachma Ardhiani Universitas PGRI Adi Buana Surabaya
Sugijanto Universitas PGRI Adi Buana Surabaya
Ferry Hariawan Universitas PGRI Adi Buana Surabaya
Fachrudy Asj’ari Universitas PGRI Adi Buana Surabaya
Christina Menuk Sri Handayani Universitas PGRI Adi Buana Surabaya

DOI:

https://doi.org/10.36456/ekobisabdimas.7.1.11728

Keywords:

business plan, kelayakan usaha, UMKM, akses pembiayaan, pendampingan usaha

Abstract

Limitations in developing business plans and a lack of understanding of business feasibility are among the main obstacles faced by Micro, Small, and Medium Enterprises (MSMEs) in accessing financing. This situation is also found among MSMEs in Jimbaran Wetan Village, Sidoarjo, where the majority of them still operate without a structured business plan. This community service activity aims to increase the capacity of MSMEs through mentoring in business plan development and strengthening business feasibility to expand access to financing. The implementation method is three-stage: preparation, implementation, and evaluation, using a participatory training and mentoring approach. The results of the activity indicate an increase in participants' understanding and skills in developing systematic business plans, as well as their ability to assess business feasibility more rationally. Furthermore, participants are also beginning to develop business proposals that better align with the requirements of financial institutions. Thus, this activity makes a significant contribution to improving MSME readiness to access financing sources and supporting business sustainability.

References

Berliandaldo, M., Fasa, A. W. H., Kholiyah, S., Chodiq, A., & Hendrix, T. (2020). Transformasi digital dan strategi pengembangan bisnis UMKM yang adaptif dan berkelanjutan pasca pandemi Covid-19. Jurnal Analis Kebijakan, 4(2), 54–73.

Darmawan, N. A. S., Suwena, K. R., & Wiguna, I. G. N. H. (2020). Edukasi inklusi keuangan berbasis fintech bagi para pelaku UMKM di Desa Sangsit Kabupaten Buleleng. Dalam Proceeding Senadimas Undiksha (hlm. 1260–1267).

Dewi, N. A. W. T., Martadinata, I. P. H., Dewi, L. G. K., & Saputra, P. S. D. (2023). Pelatihan business plan dan pembiayaan usaha sebagai strategi pengembangan usaha bagi pelaku UMKM di Desa Wanagiri, Kecamatan Sukasada, Kabupaten Buleleng. Proceeding Senadimas Undiksha, 8, 1247–1256.

Hardilawati, W. L. (2020). Strategi bertahan UMKM di tengah pandemi Covid-19. Jurnal Akuntansi dan Ekonomika, 10(1), 89–98. https://doi.org/10.37859/jae.v10i1.1934

Hanifa, F., Sastika, W., Disastra, G., Wahyuningtyas, R., Dewi, A. S., Muslih, M., & Kurnia, K. (2021). Pelatihan business plan bagi pelaku UMKM di Kelurahan Sukaluyu Kecamatan Cibeunying Kota Bandung. Jurnal Industri Kreatif dan Kewirausahaan, 4(1).

Leiwakabessy, P., & Lahallo, F. F. (2018). Pembiayaan usaha mikro kecil dan menengah (UMKM) sebagai solusi dalam meningkatkan produktivitas usaha pada UMKM Kabupaten Sorong. Journal of Dedication to Papua Community (J-DEPACE), 1(1), 11–21.

Ningsih, D. R. (2020). Peran financial technology (fintech) dalam membantu perkembangan wirausaha UMKM. Dalam Prosiding Seminar Nasional Pendidikan Program Pascasarjana Universitas PGRI Palembang (hlm. 270–277).

Pradesa, E., Putri, M. A., Fitriani, D., & Analisa, W. (2025). Pendampingan bisnis dan akses pembiayaan bagi wirausaha muda bersama Bank Mandiri KU Watervang. Jurnal Pengabdian Masyarakat Bangsa, 3(5), 2092–2100.

Rizal, M., Maulina, E., & Kostini, N. (2018). Fintech sebagai salah satu solusi pembiayaan bagi UMKM. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 3(2), 89–100.

Rumondang, A. (2018). The utilization of fintech (P2P lending) as SME’s capital solution in Indonesia: Perspective in Islamic economics (Qirad). International Conference of Moslem Society, 2, 12–22. https://doi.org/10.24090/icms.2018.1818

Supriadi, Y. (2020). Pelatihan layanan urunan dana (equity crowdfunding) sebagai alternative sumber pendanaan UMKM untuk naik kelas. Jurnal Abdimas, 4(3), 231–240.

Winata, C., Sitompul, P. N., & Salim, D. (2023). Pendampingan penyusunan business plan bagi pelaku UMKM di Kelurahan Durian Kecamatan Medan Timur. Jurnal Pengabdian Masyarakat, 167–173.