Cash management and financial training for small trader communities in Banjarbaru

Abstract

This community service program was conducted to improve the financial literacy and cash management skills of the Small Trader Community in Banjarbaru. Many small business owners in the area still rely on manual cash recording systems and lack structured financial planning, resulting in unmanaged cash flow and poor business sustainability. The training focused on two main topics: financial management and cash recording, delivered through a combination of lectures, discussions, and hands-on practice. A total of 26 participants attended the session, which took place at Jalan Sapta Marga No. 60, Banjarbaru. The method involved direct instruction, open problem-solving discussions, and practical application using the Kasir Pintar app to record daily transactions. Participants learned how to prepare a simple cash budget, record cash inflows and outflows accurately, and use digital tools for more efficient financial reporting. Real-life examples and individual assistance helped participants connect the material to their business context. The results showed increased participant understanding and enthusiasm for applying structured financial practices. By the end of the session, traders were able to implement basic budgeting and cash recording using mobile applications. It is concluded that this activity has positively impacted the community's ability to manage finances more effectively. Ongoing mentoring is recommended to further support business growth and sustainability.