Pengaruh Literasi Finansial Terhadap Keberlangsungan Usaha Pada UMKM
DOI:
https://doi.org/10.29408/jpek.v7i2.19125Keywords:
Financial Business continuity, Economics, literacy, MSMEsAbstract
The economy is an important substance for every broad community, where it is implemented in various sectors of life today. MSMEs became pioneers in economic emergencies in the past, until now MSMEs are still able to become the largest contributor to the national economy (GDP) in Indonesia. This is supported by the knowledge, skills, and beliefs of MSME actors regarding their financial literacy. The purpose of this study was to determine whether there is an effect of financial literacy on business continuity owned by MSMEs Bazar Minggu Ria. This research uses a quantitative approach, the data collection techniques used in this research are library research and field research by distributing questionnaires to samples that have been determined through probability sampling and the analysis used is using descriptive statistics through simple linear regression. The results of this study indicate that t-count> t-table (5.727> 1.66) so that it is concluded that financial literacy has a significant effect on business continuity, where Hα is accepted and H0 is rejected. The financial literacy affects business continuity by 31.6% while the other 68.4% is influenced by other factors not examined in this study.References
Anggraeni, B. D. (2015). Pengaruh Tingkat Literasi Keuangan Pemilik Usaha Terhadap Pengelolaan Keuangan. Studi Kasus: UMKM Depok. Jurnal Vokasi Indonesia, 3(1), 22–33. http://www.jvi.ui.ac.id/index.php/jvi/article/viewFile/23/22
Anggraeni, B. D. (2016). Pengaruh Tingkat Literasi Keuangan Pemilik Usaha Terhadap Pengelolaan Keuangan. Studi Kasus UMKM Depok. Jurnal Vokasi Indonesia, 4(1), 43–50. https://core.ac.uk/download/pdf/230545504.pdf
Arianti, B. F., & Azzahra, K. (2020). Faktor – Faktor yang Mempengaruhi Literasi Keuangan : Studi Kasus UMKM Kota Tangerang Selatan. Jurnal Manajemen Dan Keuangan, 9(2), 156–171. https://ejurnalunsam.id/index.php/jmk/article/view/2635
Bahrun, S., Alifah, S., & Mulyono, S. (2017). Rancang Bangun Sistem Informasi Survey Pemasaran dan Penjualan Berbasis Web. Jurnal Transistor Elektro Dan Informatika (TRANSISTOR EI), 2(2), 81–88. http://jurnal.unissula.ac.id/index.php/EI/article/view/3054
Barlian, E. (2016). Metodologi Penelitian Kualitatif & Kuantitatif. Sukabina Press. https://osf.io/preprints/inarxiv/aucjd/
Djuwita, D., & Yusuf, A. A. (2018). Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadap Perkembangan Usaha. Al-Amwal, 10(1), 105–127. https://doi.org/https://www.syekhnurjati.ac.id/jurnal/index.php/amwal/article/view/2837
Dwiastanti, A., & Mustapa, G. (2020). Pengaruh Karakteristik Wirausaha, Lingkungan Eksternal dan Strategi Bertahan Umkm dalam Menjaga Keberlangsungan Usaha di Musim Pandemi Covid 19. Business and Accounting Education Journal, 1(3), 228–240. https://doi.org/https://doi.org/10.15294/baej.v1i3.42740
Fadhilah, M. F., Alkindi, D., & Muhid, A. (2021). Cyber Counseling Sebagai Metode Meningkatkan Layanan Bimbingan dan Konseling di Sekolah: Literature Review. Counsellia: Jurnal Bimbingan Dan Konseling, 11(1), 86–94. https://doi.org/Doi.org/10.25273/counsellia.v11i18393
Fianto, F., Prismayani, R., Wijaya, N. I., Miftahussururi, Hanifah, N., Noorthertya, M., Akbari, Q. S., & Adryansyah, N. (2017). MATERI PENDUKUNG LITERASI FINANSIAL (L. A. Mayani (ed.)). Kementrian Pendidikan Dan Kebudayaan. http://repositori.kemdikbud.go.id/11628/1/materi-pendukung-literasi-numerasi-rev.pdf
Haeruddin, Aripradano, H. W., Tina, Vivian, & Viviany. (2022). Implementasi Literasi Finansial Dalam Menjalankan Bisnis Umkm Secara Online Di Kalangan Anak Sma. Prosiding National Conference for Community Service Project (NaCosPro), 4(1), 631–638. https://doi.org/http://dx.doi.org/10.37253/nacospro.v4i1.7017
Herdinata, C., & Pranatasari, F. D. (2020). Aplikasi Literasi Keuangan Bagi Pelaku Bisnis (A. Y. Wati (ed.); Cetakan Pe). Penerbit Deepublish (Grup Penerbitan CV Budi Utama). https://books.google.co.id/books?id=U54WEAAAQBAJ&printsec=copyright&redir_esc=y#v=onepage&q&f=false
Jayani, D. H. (2021). Tenaga Kerja dari UMKM Naik 2,21% pada 2019. Katadata.Ac.Id. https://databoks.katadata.co.id/datapublish/2021/08/26/tenaga-kerja-dari-umkm-naik-221-pada-2019
Kartini, A., Asmaniah, Z., & Julianti, E. (2022). Pendidikan Literasi Finansial : Dampak Dan Manfaat ( Sebuah Kajian Literatur Review ). Kode: Jurnal Bahasa, 11, 14–26. https://doi.org/https://doi.org/10.24114/kjb.v11i3.38814
Kasendah, B. S., & WIjayangka, C. (2019). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM. Jurnal Manajemen Dan Bisnis, 3(1), 153–160. https://doi.org/https://doi.org/10.36555/almana.v3i1.459
Khatimah, H. (2019). Strategi Inklusi dan Literasi Keuangan (Cetakan Pe). Nusa Litera Inspirasi. https://repository.uinjkt.ac.id/dspace/bitstream/123456789/52619/1/HUSNUL KHATIMAH-SPS.pdf
Paryanti, A. B., & Permatasari, R. I. (2022). Implementasi Literasi Finansial Untuk Guru dalam Konteks Pembelajaran Di Sekolah Dasar Wilayah Pisangan Timur Jakarta. Jurnal Pengabdian Masyarakat Ekonomi, Manajemen Dan Akuntansi (JPMEMA), 1(2), 54–62. http://journal.binainternusa.org/index.php/jpmema/article/view/69
Putri, E., Eliza, M. S., Qudsi, L. J., Khamidah, L., & Susanti, E. N. (2023). EFEKTIVITAS LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI DIGITAL PADA MAHASISWA Erika. JPE (Jurnal Pendidikan Edutama), 10(1), 209–222. https://doi.org/http://dx.doi.org/10.30734/jpe.v10i1.3135
Quraisy, A. (2020). Normalitas Data Menggunakan Uji Kolmogorov-Smirnov dan Saphiro-Wilk. J-HEST Journal of Health Education Economics Science and Technology, 3(1), 7–11. https://doi.org/https://doi.org/10.36339/jhest.v3i1.42
Ramadini, F. (2017). Strategi Pengembangan Usaha Kecil dan Menengah. Medan : Universitas Sumatera Selatan Press, 2017. https://opac.perpusnas.go.id/DetailOpac.aspx?id=1079944
Reni Fatwitawati S.E., M. A. (2018). Pengelolaan Keuangan Bagi Usaha Mikro Kecil Menengah (UMKM) Di Kelurahan Airputih Kecamatan Tampan Kota Pekanaru. Sembadha: Seminar Hasil Pengabdian Kepada Masyarakat, 01(01), 225–229. https://jurnal.pknstan.ac.id/index.php/sembadha/article/view/376
Riyanti, B., & Nur Aini, N. A. (2022). STRATEGI KEBERLANGSUNGAN USAHA UMKM KAMPUNG SINGKONG PADA MASA PANDEMI COVID-19. Among Makarti, 15(2), 182–199. https://jurnal.stieama.ac.id/index.php/ama/article/view/309/246
Roestanto, A. (2017). Literasi Keuangan. Istana Media. https://perpusda.bantulkab.go.id/pc/54888
Sasongko, D. (2020). UMKM Bangkit, Ekonomi Indonesia Terungkit. Kementrian Keuangan Republik Indonesia. https://www.djkn.kemenkeu.go.id/artikel/baca/13317/UMKM-Bangkit-Ekonomi-Indonesia-Terungkit.html
Wibowo, R. A. P., & Sitorus, O. F. (2022). Implementation Of Digital Marketing In Maintaining MSMEs During The Covid-19 Pandemic. Management Studies and Entrepreneurship Journal, 3(4), 2283–2291. https://doi.org/https://doi.org/10.37385/msej.v3i4.824
Yadewani, D., & Wijaya, R. (2017). Pengaruh e-Commerce Terhadap Minat Berwirausaha (Studi Kasus: AMIK Jayanusa Padang). Jurnal RESTI (Rekayasa Sistem Dan Teknologi Informasi), 1(1), 64–69. https://doi.org/https://doi.org/10.29207/resti.v1i1.6
