Enhancing Cash Management and Financial Literacy in Small Coffee Shop Banda Aceh

https://doi.org/10.35912/yumary.v6i1.4164
Published: Sep 1, 2025

Abstract:

Purpose: This community service initiative aims to assist Warung Kopi Pak Haji, a small-to medium-sized coffee establishment in Banda Aceh, by improving its cash management strategies and financial literacy competencies.

Methodology: Project case assignments, mentoring, and lectures were chosen to allow participants to feel that they were part of the decision-making process for their day-to-day operations. Additionally, it allows participants to gain and enhance their understanding of handling cash and finances.

Results: The coffee shop's unique characteristic, financial unpredictability, necessitates the development of skills in cash management and strategic planning to ensure daily operations and reduce uncertainties.

Cocnclusion: This community service program demonstrates that enhancing financial literacy and cash management skills is crucial for the sustainability of small and medium-sized enterprises. Through training, mentoring, and project-based learning, the coffee shop staff and owner gained practical knowledge of managing daily operations, planning future investments, and reducing financial uncertainty. These outcomes highlight the importance of continuous capacity building to strengthen SMEs’ resilience and promote long-term growth.

Limitations: Long business hours, participants’ work schedules, and capabilities make constant participation in training exceedingly difficult for all employees.

Contribution: This community service supports the financial capacity, entrepreneurship, and skills of small and medium-sized businesses, particularly focusing on enhancing cash management effectiveness and financial literacy in a small-to-medium coffee shop in Banda Aceh. Managing finances effectively for daily operations is essential for the success of SMEs.

Keywords:
1. Cash Management
2. Financial Literacy
3. Small and Medium Business
Authors:
1 . Andriati Fitriningrum
2 . Rizki Ramadhan
3 . Andrey Hasiholan Pulungan
https://orcid.org/0000-0002-0558-766X
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How to Cite
Fitriningrum, A., Ramadhan, R. ., & Pulungan , A. H. . (2025). Enhancing Cash Management and Financial Literacy in Small Coffee Shop Banda Aceh. Yumary: Jurnal Pengabdian Kepada Masyarakat, 6(1), 29–41. https://doi.org/10.35912/yumary.v6i1.4164
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Issue & Section
Vol. 6 No. 1 (2025): September
Articles
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References

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    Cho, Y. H., & Lee, J.-H. (2018). Entrepreneurial orientation, entrepreneurial education and performance. Asia Pacific Journal of Innovation and Entrepreneurship, 12(2), 124–134. https://doi.org/10.1108/APJIE-05-2018-0028

    Diaw, A. (2021). Corporate cash holdings in emerging markets. Borsa Istanbul Review, 21(2), 139–148.

    Fitriningrum, A., Pulungan, A. H., Saraswati, N. K. C. D., & Surjadi, S. R. (2024). Developing entrepreneurial mindset through financial literacy training for educators and parents at adventure school. Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang, 9(2), 397–411. https://doi.org/10.26905/abdimas.v9i2.12511

    Goodell, J. W., Goyal, A., & Urquhart, A. (2021). Uncertainty of uncertainty and firm cash holdings. Journal of Financial Stability, 56, 100922. DOI: 10.1016/j.jfs.2021.100922

    Gosavi, C. S., & Arora, S. (2022). Active Learning Strategies for Engaging Students in Higher Education. J. Eng. Educ. Transform, 36, 1–7. 10.16920/jeet/2022/v36is1/22167

    Handayani, R., & Almaidah, S. (2023). Peningkatan Pengetahuan UMKM Melalui Sosialiasasi Manajemen Kas Pada Kelompok UMKM Binaan Apindo Wilayah Surakarta. SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan, 7(1), 640–644. 10.31764/jpmb.v7i1.13540

    Hasanah, N., Widiyati, D., & Napisah, N. (2022). Peningkatan Daya Saing melalui Pelatihan Penyusunan Laporan Keuangan Sederhana pada Jaringan Wirausaha (Jawara) Bojongsari. Yumary: Jurnal Pengabdian Kepada Masyarakat, 3(2), 101–108. https://doi.org/10.35912/yumary.v3i2.1510

    Herawaty, V., Andrian, P. D., & Aulia Oktaviani, A. (2021). Peningkatan Kompetensi Dasar Akuntansi Kelompok UMKM (Kompeten) di Bekasi (Increasing the Basic Competence of Accounting for MSME Groups (Kompeten) in Bekasi). Yumary: Jurnal Pengabdian Kepada MasyarakatJurnal Pengabdian Kepada Masyarakat, 2(2), 109–118. https://doi.org/10.35912/jpm.v2i2.937

    Islam, A., Mansoor, A., Rahman, M., & Abd Wahab, S. (2020). Adjusting a strategic Cash-Flow model for Bangladeshi small and medium enterprises: the art of surviving COVID-19 emergency. Business Excellence and Management, 10(5), 194–213.

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    Khatib, S. F. A., Abdullah, D. F., Hendrawaty, E., & Elamer, A. A. (2022). A bibliometric analysis of cash holdings literature: current status, development, and agenda for future research. Management Review Quarterly, 72(3), 707–744.

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    Kurniawan, E., Affar, M., Rianto, R., & Octaviani, A. D. (2022). Penerapan Laporan Keuangan Berdasarkan SAK EMKM Berbasis Microsoft Excel pada Kanein Food di Jatirasa, Bekasi. Yumary: Jurnal Pengabdian Kepada Masyarakat, 3(2), 119–129. https://doi.org/10.35912/yumary.v3i2.1666

    Maharani, D. S., & Rita, M. R. (2020). Literasi keuangan dan pertumbuhan umkm: peran mediasi manajemen kas. Jurnal Ekonomi Bisnis, 19(1), 11–20.

    Putri, W. T. A., & Heryudanta, M. (2021). Discussing Reframing Strategies for Learning Financial Literacy in Children. EDUKASI: Jurnal Pendidikan Islam (e-Journal), 9(1), 106–124. https://doi.org/10.54956/edukasi.v9i1.270

    Soejono, F., Kusmawati, K., Nicholas, N., & Thimothy, T. (2023). Financial Statement Analysis Training for the Management of Rukun Palembang Cooperative. Yumary: Jurnal Pengabdian Kepada Masyarakat, 4(2), 263–273. https://doi.org/10.35912/yumary.v4i2.2579

    Sumanasekera, W., Turner, C., Ly, K., Hoang, P., Jent, T., & Sumanasekera, T. (2020). Evaluation of multiple active learning strategies in a pharmacology course. Currents in Pharmacy Teaching and Learning, 12(1), 88–94. 10.1016/j.cptl.2019.10.016

    Thomas, B., & Subhashree, P. (2020). Factors that influence the financial literacy among engineering students. Procedia Computer Science, 172, 480–487. https://doi.org/10.1016/j.procs.2020.05.161

    Varga, J. (2021). Defining the economic role and benefits of micro small and medium-sized enterprises in the 21st century with a systematic review of the literature. Acta Polytechnica Hungarica, 18(11), 209–228. 10.12700/APH.18.11.2021.11.12

    Winarko, H. B., Fitriningrum, A., Wahyuni, M. J. R., & Pulungan, A. H. (2021). Capacity Building on BSB Organic Development Center. Journal of Community Service Sustainability and Empowerment, 01(02), 1–12. https://ojs.sampoernauniversity.ac.id/index.php/JCSSE/article/view/226%0Ahttps://ojs.sampoernauniversity.ac.id/index.php/JCSSE/article/download/226/128

    Yashinta, D. (2024). Analisis Penerapan Manajemen Kas Dalam Pengelolaan Keuangan UMKM Konter Pulsa Fahmi Cell. Jurnal Akuntansi Keuangan Dan Bisnis, 2(2), 178–183.

    Yun, J., Ahmad, H., Jebran, K., & Muhammad, S. (2021). Cash holdings and firm performance relationship: Do firm-specific factors matter? Economic Research-Ekonomska Istraživanja, 34(1), 1283–1305. 10.1080/1331677X.2020.1823241

    Zhu, D., Li, Z., & Mishra, A. R. (2023). Evaluation of the critical success factors of dynamic enterprise risk management in manufacturing SMEs using an integrated fuzzy decision-making model. Technological Forecasting and Social Change, 186, 122137. https://doi.org/10.1016/j.techfore.2022.122137

  1. Bestari, V. J., & Fadlia, F. (2019). Perbandingan Warung Kopi Tradisional Versus Modern (Sebuah Analisis terhadap Konsep Responsif Gender). Jurnal Ilmiah Mahasiswa FISIP Unsyiah, 4 (September), 1–12.
  2. Cho, Y. H., & Lee, J.-H. (2018). Entrepreneurial orientation, entrepreneurial education and performance. Asia Pacific Journal of Innovation and Entrepreneurship, 12(2), 124–134. https://doi.org/10.1108/APJIE-05-2018-0028
  3. Diaw, A. (2021). Corporate cash holdings in emerging markets. Borsa Istanbul Review, 21(2), 139–148.
  4. Fitriningrum, A., Pulungan, A. H., Saraswati, N. K. C. D., & Surjadi, S. R. (2024). Developing entrepreneurial mindset through financial literacy training for educators and parents at adventure school. Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang, 9(2), 397–411. https://doi.org/10.26905/abdimas.v9i2.12511
  5. Goodell, J. W., Goyal, A., & Urquhart, A. (2021). Uncertainty of uncertainty and firm cash holdings. Journal of Financial Stability, 56, 100922. DOI: 10.1016/j.jfs.2021.100922
  6. Gosavi, C. S., & Arora, S. (2022). Active Learning Strategies for Engaging Students in Higher Education. J. Eng. Educ. Transform, 36, 1–7. 10.16920/jeet/2022/v36is1/22167
  7. Handayani, R., & Almaidah, S. (2023). Peningkatan Pengetahuan UMKM Melalui Sosialiasasi Manajemen Kas Pada Kelompok UMKM Binaan Apindo Wilayah Surakarta. SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan, 7(1), 640–644. 10.31764/jpmb.v7i1.13540
  8. Hasanah, N., Widiyati, D., & Napisah, N. (2022). Peningkatan Daya Saing melalui Pelatihan Penyusunan Laporan Keuangan Sederhana pada Jaringan Wirausaha (Jawara) Bojongsari. Yumary: Jurnal Pengabdian Kepada Masyarakat, 3(2), 101–108. https://doi.org/10.35912/yumary.v3i2.1510
  9. Herawaty, V., Andrian, P. D., & Aulia Oktaviani, A. (2021). Peningkatan Kompetensi Dasar Akuntansi Kelompok UMKM (Kompeten) di Bekasi (Increasing the Basic Competence of Accounting for MSME Groups (Kompeten) in Bekasi). Yumary: Jurnal Pengabdian Kepada MasyarakatJurnal Pengabdian Kepada Masyarakat, 2(2), 109–118. https://doi.org/10.35912/jpm.v2i2.937
  10. Islam, A., Mansoor, A., Rahman, M., & Abd Wahab, S. (2020). Adjusting a strategic Cash-Flow model for Bangladeshi small and medium enterprises: the art of surviving COVID-19 emergency. Business Excellence and Management, 10(5), 194–213.
  11. Izhakian, Y., Yermack, D., & zender, J. F. (2021). The Ambiguity and The Trade Off Theory of Capital Structure. In NBER Working Paper.
  12. Juniyanto, E., Nugraha, E., & Dewindaru, D. (2023). Pendampingan Pengelolaan dan Pelaporan Keuangan Pondok Pesantren Al-Firdaus. Yumary: Jurnal Pengabdian Kepada Masyarakat, 4(1), 103–115. https://doi.org/10.35912/yumary.v4i1.1864
  13. Khatib, S. F. A., Abdullah, D. F., Hendrawaty, E., & Elamer, A. A. (2022). A bibliometric analysis of cash holdings literature: current status, development, and agenda for future research. Management Review Quarterly, 72(3), 707–744.
  14. Kodriyah, K., Yusnita Mahardini, N., Suhartini, S., & Serang Raya, U. (2024). Edukasi dan Pelatihan Pembukuan Sederhana pada UMKM Makanan di Kecamatan Kramatwatu. Yumary: Jurnal Pengabdian Kepada MasyarakatPengabdian Kepada Masyarakat, 4(4), 447–455. https://doi.org/10.35912/yumary.v4i4.2746
  15. Kumari, D. A. T. (2020). The impact of financial literacy on investment decisions: With special reference to undergraduates in Western Province, Sri Lanka. Asian Journal of Contemporary Education, 4(2), 110–126. https://doi.org/10.18488/journal.137.2020.42.110.126
  16. Kurniawan, E., Affar, M., Rianto, R., & Octaviani, A. D. (2022). Penerapan Laporan Keuangan Berdasarkan SAK EMKM Berbasis Microsoft Excel pada Kanein Food di Jatirasa, Bekasi. Yumary: Jurnal Pengabdian Kepada Masyarakat, 3(2), 119–129. https://doi.org/10.35912/yumary.v3i2.1666
  17. Maharani, D. S., & Rita, M. R. (2020). Literasi keuangan dan pertumbuhan umkm: peran mediasi manajemen kas. Jurnal Ekonomi Bisnis, 19(1), 11–20.
  18. Putri, W. T. A., & Heryudanta, M. (2021). Discussing Reframing Strategies for Learning Financial Literacy in Children. EDUKASI: Jurnal Pendidikan Islam (e-Journal), 9(1), 106–124. https://doi.org/10.54956/edukasi.v9i1.270
  19. Soejono, F., Kusmawati, K., Nicholas, N., & Thimothy, T. (2023). Financial Statement Analysis Training for the Management of Rukun Palembang Cooperative. Yumary: Jurnal Pengabdian Kepada Masyarakat, 4(2), 263–273. https://doi.org/10.35912/yumary.v4i2.2579
  20. Sumanasekera, W., Turner, C., Ly, K., Hoang, P., Jent, T., & Sumanasekera, T. (2020). Evaluation of multiple active learning strategies in a pharmacology course. Currents in Pharmacy Teaching and Learning, 12(1), 88–94. 10.1016/j.cptl.2019.10.016
  21. Thomas, B., & Subhashree, P. (2020). Factors that influence the financial literacy among engineering students. Procedia Computer Science, 172, 480–487. https://doi.org/10.1016/j.procs.2020.05.161
  22. Varga, J. (2021). Defining the economic role and benefits of micro small and medium-sized enterprises in the 21st century with a systematic review of the literature. Acta Polytechnica Hungarica, 18(11), 209–228. 10.12700/APH.18.11.2021.11.12
  23. Winarko, H. B., Fitriningrum, A., Wahyuni, M. J. R., & Pulungan, A. H. (2021). Capacity Building on BSB Organic Development Center. Journal of Community Service Sustainability and Empowerment, 01(02), 1–12. https://ojs.sampoernauniversity.ac.id/index.php/JCSSE/article/view/226%0Ahttps://ojs.sampoernauniversity.ac.id/index.php/JCSSE/article/download/226/128
  24. Yashinta, D. (2024). Analisis Penerapan Manajemen Kas Dalam Pengelolaan Keuangan UMKM Konter Pulsa Fahmi Cell. Jurnal Akuntansi Keuangan Dan Bisnis, 2(2), 178–183.
  25. Yun, J., Ahmad, H., Jebran, K., & Muhammad, S. (2021). Cash holdings and firm performance relationship: Do firm-specific factors matter? Economic Research-Ekonomska Istraživanja, 34(1), 1283–1305. 10.1080/1331677X.2020.1823241
  26. Zhu, D., Li, Z., & Mishra, A. R. (2023). Evaluation of the critical success factors of dynamic enterprise risk management in manufacturing SMEs using an integrated fuzzy decision-making model. Technological Forecasting and Social Change, 186, 122137. https://doi.org/10.1016/j.techfore.2022.122137