PELATIHAN PENGUATAN KOMPETENSI PERENCANAAN KEUANGAN UNTUK KESEHATAN KEUANGAN USAHA BAGI PELAKU USAHA KERAJINAN BERBASIS BUNGA DI KAWASAN KAYOON WILAYAH SURABAYA

Micro business management education is relevant for all individuals who make decision related to family financing. Mastering knowledge about financial education prepares individuals for anticipating their fulfilling life need and solve emergency problem without asking for unnecessary debt. This study focused on the analyses of thirty agents of micro businesses in flower industries at Kayoon community Surabaya. The result shows that there are many steps in family financial planning, first, identifying recent financial, make a breakdown of family need, make a financial priority. This planning can minimalize unnecessary expenditure in a household. Second, setting financial goal, such as going to makkah, take a prestigious school for children. The third, saving money or take investation. Saving money is a delayed consumption. If the planning can implementation well, family needs will be easier to be controlled, as well as the marriage does not break down because of financial problem. Keywords: financial planning, financial health