ANALISIS SISTEM PEMBAYARAN TUNAI DAMPAKNYA PADA PENGELOLAAN KEUANGAN PELAKU USAHA DI PASAR SEKETI BALONGBENDO, KAB. SIDOARJO

Abstract

This study aims to analyze the impact of the cash payment system on the financial management of business actors in Seketi Market, Balongbendo, Sidoarjo Regency. This study uses a qualitative method with a descriptive case study approach. Research data were obtained through observation, interviews, and documentation of five business actors selected using a purposive sampling technique. The focus of the study includes the cash payment system, financial management of business actors, and the impact of the cash payment system on financial management. The results show that all informants still use the cash payment system as the primary method for daily transactions because it is considered easy, practical, fast, and in accordance with customer habits in traditional markets. Business actors' financial management is still carried out simply based on experience and daily habits. Funds from sales are generally reused to purchase merchandise inventory and meet household needs, so there is no clear separation between business and personal finances. The cash payment system provides convenience because the proceeds from sales can be received and used immediately, but if not accompanied by good management, it can lead to uncontrolled use of business funds, difficulty in determining the amount of capital and profits, and the mixing of business funds with personal funds. Thus, the cash payment system is not a direct cause of financial problems, but its impact is closely related to how business actors manage and control funds resulting from transactions.