Cash Flow Management among Micro-Traders: Responses to the COVID-19 Pandemic
The coronavirus disease 2019 (COVID-19) pandemic that struck unexpectedly has reinforced the need for proper cash flow management by micro-businesses. It may be complicated for the business sector to differentiate between business and personal finances if there is no discipline or consistency in fin...
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| Veröffentlicht in: | Sustainability 2022-09, Vol.14 (17), p.10931 |
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| creator | Ramli, Ainon Yekini, Liafisu Sina |
| description | The coronavirus disease 2019 (COVID-19) pandemic that struck unexpectedly has reinforced the need for proper cash flow management by micro-businesses. It may be complicated for the business sector to differentiate between business and personal finances if there is no discipline or consistency in financial management. Therefore, this study examines the practice of cash flow management by micro-traders in Kuala Terengganu, Malaysia, before 2020 and examines how their lives were affected during the freeze on economic activity. A quantitative research design was adopted, and the participants for the study were selected using the convenience sampling technique. A survey was conducted in November 2021, and 141 pieces of clean data were obtained. Statistical Package for the Social Sciences software (SPSS) was used to generate descriptive statistics for data analysis. This study determined that micro-traders did not exhibit proper cash flow management, placing them in a critical financial situation when the pandemic crisis was prolonged. The movement control order and the extended COVID-19 pandemic that caused the economic downturn negatively impacted the cash flow of micro-traders and negatively affected their incomes and livelihoods. |
| doi_str_mv | 10.3390/su141710931 |
| format | Article |
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It may be complicated for the business sector to differentiate between business and personal finances if there is no discipline or consistency in financial management. Therefore, this study examines the practice of cash flow management by micro-traders in Kuala Terengganu, Malaysia, before 2020 and examines how their lives were affected during the freeze on economic activity. A quantitative research design was adopted, and the participants for the study were selected using the convenience sampling technique. A survey was conducted in November 2021, and 141 pieces of clean data were obtained. Statistical Package for the Social Sciences software (SPSS) was used to generate descriptive statistics for data analysis. This study determined that micro-traders did not exhibit proper cash flow management, placing them in a critical financial situation when the pandemic crisis was prolonged. The movement control order and the extended COVID-19 pandemic that caused the economic downturn negatively impacted the cash flow of micro-traders and negatively affected their incomes and livelihoods.</description><identifier>ISSN: 2071-1050</identifier><identifier>EISSN: 2071-1050</identifier><identifier>DOI: 10.3390/su141710931</identifier><language>eng</language><publisher>Basel: MDPI AG</publisher><subject>Accounting records ; Capital expenditures ; Cash budgets ; Cash flow ; Cash flow forecasting ; Cash flow statements ; Cash management ; Coronaviruses ; Cost control ; COVID-19 ; Economic activity ; Economic aspects ; Economic conditions ; Economic growth ; Employees ; Epidemics ; Finance ; Financial management ; GDP ; Gross Domestic Product ; Health aspects ; Liquid assets ; Malaysia ; Management ; Pandemics ; Qualitative research ; Quantitative research ; Research design ; Small & medium sized enterprises-SME ; Small and medium sized companies ; Small business ; Social sciences ; Statistical analysis ; Sustainability ; Trading companies</subject><ispartof>Sustainability, 2022-09, Vol.14 (17), p.10931</ispartof><rights>COPYRIGHT 2022 MDPI AG</rights><rights>2022 by the authors. Licensee MDPI, Basel, Switzerland. This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution (CC BY) license (https://creativecommons.org/licenses/by/4.0/). 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It may be complicated for the business sector to differentiate between business and personal finances if there is no discipline or consistency in financial management. Therefore, this study examines the practice of cash flow management by micro-traders in Kuala Terengganu, Malaysia, before 2020 and examines how their lives were affected during the freeze on economic activity. A quantitative research design was adopted, and the participants for the study were selected using the convenience sampling technique. A survey was conducted in November 2021, and 141 pieces of clean data were obtained. Statistical Package for the Social Sciences software (SPSS) was used to generate descriptive statistics for data analysis. This study determined that micro-traders did not exhibit proper cash flow management, placing them in a critical financial situation when the pandemic crisis was prolonged. 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Yekini, Liafisu Sina</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c399t-cc133a5b2337b10c385d10dd8f0a5bf0b3e54e5aaf0a1f96b40a2b6d28cefb363</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>2022</creationdate><topic>Accounting records</topic><topic>Capital expenditures</topic><topic>Cash budgets</topic><topic>Cash flow</topic><topic>Cash flow forecasting</topic><topic>Cash flow statements</topic><topic>Cash management</topic><topic>Coronaviruses</topic><topic>Cost control</topic><topic>COVID-19</topic><topic>Economic activity</topic><topic>Economic aspects</topic><topic>Economic conditions</topic><topic>Economic growth</topic><topic>Employees</topic><topic>Epidemics</topic><topic>Finance</topic><topic>Financial management</topic><topic>GDP</topic><topic>Gross Domestic Product</topic><topic>Health aspects</topic><topic>Liquid assets</topic><topic>Malaysia</topic><topic>Management</topic><topic>Pandemics</topic><topic>Qualitative research</topic><topic>Quantitative research</topic><topic>Research design</topic><topic>Small & medium sized enterprises-SME</topic><topic>Small and medium sized companies</topic><topic>Small business</topic><topic>Social sciences</topic><topic>Statistical analysis</topic><topic>Sustainability</topic><topic>Trading companies</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Ramli, Ainon</creatorcontrib><creatorcontrib>Yekini, Liafisu Sina</creatorcontrib><collection>CrossRef</collection><collection>Gale In Context: Science</collection><collection>University Readers</collection><collection>Entrepreneurship Database</collection><collection>ProQuest Central (Alumni Edition)</collection><collection>ProQuest Central UK/Ireland</collection><collection>ProQuest Central Essentials</collection><collection>ProQuest Central</collection><collection>Business Premium Collection</collection><collection>ProQuest One Community College</collection><collection>Coronavirus Research Database</collection><collection>ProQuest Central Korea</collection><collection>ProQuest Business Collection</collection><collection>Publicly Available Content Database</collection><collection>ProQuest One Academic Eastern Edition (DO NOT USE)</collection><collection>ProQuest One Academic</collection><collection>ProQuest One Academic UKI Edition</collection><collection>ProQuest Central China</collection><jtitle>Sustainability</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Ramli, Ainon</au><au>Yekini, Liafisu Sina</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Cash Flow Management among Micro-Traders: Responses to the COVID-19 Pandemic</atitle><jtitle>Sustainability</jtitle><date>2022-09-01</date><risdate>2022</risdate><volume>14</volume><issue>17</issue><spage>10931</spage><pages>10931-</pages><issn>2071-1050</issn><eissn>2071-1050</eissn><abstract>The coronavirus disease 2019 (COVID-19) pandemic that struck unexpectedly has reinforced the need for proper cash flow management by micro-businesses. It may be complicated for the business sector to differentiate between business and personal finances if there is no discipline or consistency in financial management. Therefore, this study examines the practice of cash flow management by micro-traders in Kuala Terengganu, Malaysia, before 2020 and examines how their lives were affected during the freeze on economic activity. A quantitative research design was adopted, and the participants for the study were selected using the convenience sampling technique. A survey was conducted in November 2021, and 141 pieces of clean data were obtained. Statistical Package for the Social Sciences software (SPSS) was used to generate descriptive statistics for data analysis. This study determined that micro-traders did not exhibit proper cash flow management, placing them in a critical financial situation when the pandemic crisis was prolonged. 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| subjects | Accounting records Capital expenditures Cash budgets Cash flow Cash flow forecasting Cash flow statements Cash management Coronaviruses Cost control COVID-19 Economic activity Economic aspects Economic conditions Economic growth Employees Epidemics Finance Financial management GDP Gross Domestic Product Health aspects Liquid assets Malaysia Management Pandemics Qualitative research Quantitative research Research design Small & medium sized enterprises-SME Small and medium sized companies Small business Social sciences Statistical analysis Sustainability Trading companies |
| title | Cash Flow Management among Micro-Traders: Responses to the COVID-19 Pandemic |
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