“…Financial planning has a significant influence on the success or failure of a business being run, through good financial planning it will be able to maintain its business for decades to come. This research is in line with research conducted by (Norese et al, 2021) which states that the business will run well if the system and financial management are implemented appropriately, this finding is also consistent with (Miranti et al, 2022) which states that every challenge faced by entrepreneurs is an opportunity to advance their business, and a good financial system and financial management can determine the direction of the business, this is also in line with research conducted by (Goaill & Al-Hakimi, 2021) which states that the effectiveness of a business comes from systematic financial planning.The same results are also shown by research conducted by (Murthy et al, 2022). Based on the Cartesian SWOT chart that has been described previously, it can be identified that all internal and external factors that occur in this study that are able to determine the level of difference in score values for each indicator will then be described in a Cartesian SWOT chart as below: In essence, improving the quality of human resources is crucial for every type of business, this is based on qualified human resources who can master all skill needs and are able to become market leaders on a national and international scale.…”