Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM di Kota Serang
DOI:
https://doi.org/10.30640/akuntansi45.v5i2.3403Keywords:
Literacy, Finance, Inclusion, Performance, MSMEsAbstract
This study was conducted to determine the Influence of Financial Literacy and Financial Inclusion on the Performance of MSMEs in Serang City. The type of research is explanatory, with data collection techniques through questionnaires. The sampling technique uses a non-probability sampling technique, the sample is 81 people who are MSME Actors in Serang City. The analysis method used in this study is Quantitative Data Analysis. The results of the descriptive analysis show that Financial Literacy and Financial Inclusion and MSME Performance in Serang City are classified as good where the three variables are in the assessment scale range of 3.97-4.18. The results of the hypothesis test show that Financial Literacy has a positive and significant effect on MSME Performance. Financial Inclusion also has a positive and significant effect on MSME Performance. Financial Literacy and Financial Inclusion have a positive and significant effect on MSME Performance. The conclusion of this study is that Financial Literacy and Financial Inclusion in MSMEs in Serang City show that Financial Literacy and Financial Inclusion have a positive and significant effect on MSME Performance both partially and simultaneously.References
Abor, J., & Quartey, P. (2010). Issues in SME Development in Ghana and South Africa. International Research Journal of Finance and Economics. 1 (39). 218-228.
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis. 20 (1). 1 13.
Asra, A., Irawan, P. B., & Purwoto, A. (2015). Metode Penelitian Survei. Bogor: IN MEDIA.
Bire, A. R., Sauw, H. M., & Maria. (2019). The Effect of Financial Literacy towards Financial Inclusion through Financial Training. International Journal of Social Sciences adn Humanities. 3 (1). 186-192.
Bongomin, G. O., Munene, J. C., Mpeera, J. N., & Akol, C. M. (2017). Financial Inclusion in Rural Uganda: The Role of Social Capital and Generational Values. Journal Banking and Finance. 4 (1302866). 1-18.
Center for Financial Inclusion. (2016). Global Microscope 2016: The Enabling Environment for Financial Inclusion. CFI.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among Collage Students. Financial Services Review. 7 (2). 107-128.
Dewi, W. K., Yurniwati, & Rahman, A. (2018). The Effect of Financial Literacy and Financial Access to the Performance of SMEs (Small and Medium Enterprises) in the Trade Sector of Padang City. International Journal of Progressive Sciences and High Technologies. 10 (2). 371-381
Ghozali, I. (2011). Aplikasi Analisis Multivariat dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali, I. (2013). Aplikasi Analisis Multivariative dengan program SPSS. Semarang: Badan Penerbit Universitas Diponegoro
Hidayat, A., & Yuningsih, I. (2024). Analisa Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Umkm Di Kota Serang. Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan, 4 (1), 135-147.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi keuangan dan literasi keuangan terhadap kinerja dan keberlangsungan sektor usaha mikro kecil menengah. Nominal Barometer Riset Akuntansi dan Manajemen, 10 (1), 135-152.
Infografis Hasil Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022. (2022). Retrieved May 20, 2024, from Ojk.go.id website: https://ojk.go.id/id/berita-dan- kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi- Keuangan-Tahun-2022.aspx
Iriani, A. R., Rahayu, C. W. E., & Rahmawati, C. H. T. (2021). The influence of demographic factors and financial literacy on the financial behavior. Jurnal Kajian Manajemen Bisnis, 10 (1), 33-45.
Joko, J. S., Anisma, Y., & Sofyan, A. (2022). Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Inovasi Terhadap Kinerja Umkm. CURRENT: Jurnal Kajian Akuntansi Dan Bisnis Terkini, 3 (1), 1-10.
Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14 (2).
Nurhayati, S. (2021). Pengaruh Inklusi Keuangan Terhadap Perkembangan Usaha Mikro Kecil Menengah (UMKM)(Studi Pada Pelaku UMKM di Kecamatan Cipocok Jaya Kota Serang) (Doctoral dissertation, UIN SMH BANTEN).
Peraturan Otoritas Jasa Keuangan No. 76/POJK.07/2016. Peningkatan Literasi dan Inklusi Keuangan Bagi Konsumen dan/atau Masyarakat.
Sabana, B. M. (2014). Entrepreneur Financial Literacy, Financial Access,Transaction cost and Performance of Micro Enterprises in Nairoby City Country Kenya. Thesis School of Business University of Nairobi.
Sanistasya, P. A., Rahardjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Journal Economia. 15 (1). 48-59.
Sugiyono. (2014). Metode Penelitian Manajemen. Bandung: Alfabeta.
Sugiyono. (2017). Metode Penelitian Bisnis (Pendekatan Kuantitatif, Kualitatif, Kombinasi dan R&B). Bandung: Alfabeta.
Sujarweni, W. V. (2014). Metodologi Penelitian: Lengkap, Praktis dan Mudah Dipahami. Yogyakarta: Pustaka Baru Press
Suryani, S., & Ramadhan, S. (2017). Analisis Literasi Keuangan pada Pelaku Usaha Mikro di Kota Pekanbaru. Journal of Economic, Business and Accounting. 1 (1). 12-22.
Undang-undang Republik Indonesia No. 20 Tahun 2008. Mikro Usaha Kecil dan Menengah.
Widiyanti, R., Damayanti, R., & Marwanti, F. (2017). Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha pada UMKM Desa Jatisari. Jurnal Ilmiah Manajemen & Bisnis. 18 (2). 153-163.
Yanti, W. I. (2019). Pengaruh Inklusi Keuangan dan Literasi Keuangan Terhadap Kinerja UMKM di Kecamatan Mayo Utara. Jurnal Manajemen dan Bisnis. 2 (12019). 1- 10.
Ye, J., & Kalathunga, K. (2019). How Does Financial Literacy Promote Sustainability in SMEs? A Developing Country Perspective. Journal Sustainability. 11 (2990). 1-21.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 AKUNTANSI 45

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.