Financial Management Behavior in Snack Food Center MSMEs in Klambir Lima Kebun Village
Keywords:
Financial Management Behavior, Msmes, Financial Literacy, Local Culture, Snack IndustryAbstract
This study aims to describe the financial management behavior of Micro, Small, and Medium Enterprises (MSMEs) operating in a snack food industry center of Klambir Lima Kebun Village, Deli Serdang Regency. The research focuses on four key aspects of financial management behavior: financial planning, financial recording, financial control, and financial evaluation. Using a descriptive qualitative approach, data were collected through in-depth interviews, observation, and documentation to obtain a comprehensive understanding of MSME financial practices in a rural context. The findings reveal that MSME financial management behavior in Klambir Lima Kebun Village remains simple, traditional, and strongly influenced by local socio-cultural values. Financial planning is conducted informally and based on experience and market demand; financial recording is irregular and often depends on personal memory; financial control is still weak due to the absence of clear separation between personal and business finances; and financial evaluation tends to be intuitive, relying on practical judgment rather than formal financial statements. Nevertheless, a positive behavioral shift is emerging among younger entrepreneurs who have begun to adopt digital financial recording tools and demonstrate greater awareness of the importance of capital separation. Overall, the study concludes that MSME financial management behavior in rural areas is shaped not only by the level of financial literacy but also by social and cultural values such as mutual cooperation, honesty, and familial solidarity. These findings provide an essential foundation for developing community-based financial education strategies that align with local wisdom to strengthen MSME sustainability.
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