Pengaruh Literasi Keuangan dan Pengelolaan Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Padang

Rika Desiyanti, Chrismondari Chrismondari, Adnan Raja Romero

Abstract


The study aims to analyze the impact of financial literacy and financial management on the performance and sustainability of micro, small, and medium enterprises (MSMEs) in Padang City. This research is quantitative, and it uses primary data obtained through questionnaires. This research population is an MSMEs perpetrator in the city. Sampling techniques in research use census techniques. Around 150 people participated in the event. The data was processed with SPSS software for Windows version 22. The results of this study indicate that financial literacy has a positive impact on the performance of MSMEs and business sustainability; financial management has positive experience with the sustainability of enterprises; and financial management is consistent with the outcomes of MSMEs.

Keywords


Financial literacy; Financial management; MSMEs performance; Business sustainability

Full Text:

PDF

References


Akuntansi, Bisnis D A N, Pengaruh Tingkat Pendidikan, Perilaku Keuangan, dan Terhadap Literasi. “Simba simba,” no. September (2022).

Aribawa, Dwitya. “Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah.” Jurnal Siasat Bisnis 20, no. 1 (2016): 1–13.

Berry, James, Dean Karlan, dan Menno Pradhan. “The Impact of Financial Education for Youth in Ghana.” World Development 102 (2018): 71–89.

Chege, Samwel Macharia, dan Daoping Wang. “The influence of technology innovation on SME performance through environmental sustainability practices in Kenya.” Technology in Society 60, no. November 2019 (2020): 101210.

Chen, Jia, Jiajun Jiang, dan Yu jane Liu. “Financial literacy and gender difference in loan performance.” Journal of Empirical Finance 48 (2018): 307–320.

Dahmen, Pearl, dan Eileen Rodríguez. “Financial Literacy and the Success of Small Businesses: An Observation from a Small Business Development Center.” Numeracy 7, no. 1 (2014).

Desiyanti, Rika, dan Aza Azlina Md Kassim. “Financial Literacy on Business Performance: The Moderating Effect of Religiosity Among SMEs In Sumatera, Indonesia.” International Journal of Academic Research in Accounting, Finance and Management Sciences 10, no. 2 (2020): 87–99.

Fitriasandy, A L, dan A K Anam. “Pengaruh Pengelolaan Keuangan, Financial Teknologi, dan Modal Sosial Terhadap Kinerja UMKM.” Jurnal Rekognisi Manajemen 6 (2022): 1–12.

Garg, Neha, dan Shveta Singh. “Financial literacy among youth” (2018).

Goso, Goso, dan Muh Halim Palatte. “SEIKO : Journal of Management & Business Analisis Dampak Literasi Keuangan dan Keuangan Terhadap Kinerja Keuangan UMKM Pengelolaan” 6, no. 1 (2023): 644–651.

Hanson, Thomas A., dan Peter M. Olson. “Financial literacy and family communication patterns.” Journal of Behavioral and Experimental Finance 19 (2018): 64–71.

Idawati, Ida Ayu Agung, dan I Gede Surya Pratama. “Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar.” Warmadewa Management and Business Journal (WMBJ) 2, no. 1 (2020): 1–9.

Joubert, R.J.O., Ajay K. Garg, dan Rene Pellissier. “Measuring business performance : a case study : research article.” Southern African Business Review 8, no. 1 (2004): 7–15.

Kusumadewi, Neny R. “Pengaruh Locus of Control dan Financial Literacy terhadap Kinerja UKM pada Pelaku UKM Desa Rawa.” Prosiding Seminar Nasional dan call for papers 5, no. November (2017): 915–924.

Oggero, Noemi, Maria Cristina Rossi, dan Elisa Ughetto. “Entrepreneurial spirits in women and men. The role of financial literacy and digital skills.” Small Business Economics 55, no. 2 (2020): 313–327.

Panggabean, Fitri Yani, dan Muhammad Bukhori Dalimunthe. “Analisis Literasi Keuangan terhadap Keberlangsungan Usaha Kuliner Kota Medan” 7, no. 2 (2018): 139–147.

Rahayu, Apristi Yani, dan Musdholifah. “Pengaruh literasi keuangan terhadap kinerja dan keberlanjutan umkm di kota surabaya.” Jurnal Ilmu Manajemen 5, no. 2016 (2017): 2017.

Sabilla, Sonya Oktara, dan Candra Wijayangka. “Pengaruh literasi keuangan terhadap pertumbuhan usaha pada UMKM.” Jurnal Manajemen dan Bisnis 3, no. 1 (2019): 145–152.

Satiti, Novita Ratna. “FINANCIAL LITERACY: AN ESSENTIAL IN SMALL MEDIUM ENTREPRISES (SMEs) PERFORMANCE.” Manajemen Bisnis 10, no. 2 (2020): 51–61.

Sekaran, Uma. “Research methods for business: A skill building approach.” Long Range Planning, 2018.

Srijani, Kadeni, Ninik. “Peran UMKM (Usaha Mikro Kecil Menengah) Dalam Meningkatkan Kesejahteraan Masyarakat.” EQUILIBRIUM : Jurnal Ilmiah Ekonomi dan Pembelajarannya 8, no. 2 (2020): 191.

Tuffour, Joseph Kwadwo, Awurabena Asantewa Amoako, dan Ernestina Otuko Amartey. “Assessing the Effect of Financial Literacy Among Managers on the Performance of Small-Scale Enterprises.” Global Business Review (2020).

Wahyudiati, Dinar, dan Isroah. “Pengaruh Aspek Keuangan Dan Kompetensi Sumber Daya Manusia (Sdm) Terhadap Kinerja Usaha Mikro Kecil Dan Menengah (Umkm) Di Desa Kasongan.” Jurnal Profita, no. 2 (2018): 1–11.

Wahyuningrum, Putri, Anggraini Sukmawati, dan Lindawati Kartika. “Peningkatan Kinerja Usaha Kecil dan Menengah (UKM) Kluster Kerajinan di Kota Depok Menggunakan The House Model.” Jurnal Manajemen dan Organisasi 5, no. 2 (2016): 154.




DOI: http://dx.doi.org/10.29300/ba.v8i2.5016

Refbacks

  • There are currently no refbacks.


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

Indexed by :