Cash Flow Management for Women Microentrepreneurs: A Case Study of Instant Herbal Medicine MSMEs in Batu City

Abstract

Aims: This study was conducted to determine the meaning of cash flow management for female micro entrepreneurs. This study used a qualitative approach with a case study method. The study was conducted to determine how female micro entrepreneurs manage cash flow and explore the meaning contained there. Study Design: The research subjects were female instant herbal medicine MSME entrepreneurs who had been running their businesses for at least two years and were directly involved in business financial management. Place and Duration of Study: Place for the research in Batu City. Duration of research at 6 month. Methodology: The methods used were interviews, participatory observation, and documentation. Data analysis was carried out through data reduction, which involved selecting, focusing, and simplifying the data, presenting the data in tables, matrices, and narratives, and finally verifying the results or drawing conclusions. To ensure data validity, the study employed several strategies, including source triangulation, member checking, and persistent observation. The study was conducted in 2025 over a period of 3 months. Results: Cash flow management experience is shaped by values of independence, family responsibility, and economic adaptation. Most informants do not have a background in financial education, but learn through practice and experience. Cultural actors also influence how they interpret money. Cash flow management is not only for survival, but also for maintaining family harmony and business prosperity. Conclusion: Based on the results of a phenomenological analysis of the experiences of three female informants who are instant herbal medicine microentrepreneurs in Batu City, it can be concluded that cash flow management has a meaning that goes beyond mere financial activities, but rather reflects a balance between economic, social, and spiritual functions in the lives of women entrepreneurs.