Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha (Business Sustainability) Pada Umkm Desa Jatisari

Abstract

ABSTRAKSektor UMKM menjadi salah satu penggerak perekonomian, namun dalam perkembangannya saat ini masih banyak ditemukan permasalahan yang belum terselesaikan, salah satunya terkait bidang keuangan. Tujuan penelitian ini mengetahui pengaruh dari financial literacy atau pengetahuan keuangan yang dimiliki pelaku usaha UMKM terhadap keberlangsungan usahanya dari para UMKM di desa Jatisasri. Penelitian ini merupakan penelitian kuantitatif, dengan menggunakan regresi lineir sederhana untuk menguji hipotesa dan mengambil popolasi sekaligus sample penelitian yaitu pelaku usaha (pengelola) UMKM di desa Jatisari Wonogiri sejumlah 38 responden. Variabel independen dalam penelitian ini yaitu financial literacy dan dependen business sustainability (keberlangsungan usaha). Hasil penelitian menunjukkan bahwa financial literacy memberikan pengaruh terhadap business sustainability sebesar 28,9 %. Hal ini menunjukkan bahwa financial literacy atau pengetahuan keuangan yang dimiliki pelaku usaha UMKM di Jatisari penting dalam mendukung keberlangsungan usahanya. . Kata kunci: Pengetahuan Keuangan, Keberlangsungan UsahaThe influence of financial literacy on business sustainability at UMKM Jatisari ABSTRACT

The effect of financial literacy towards financial inclusion through financial training

“…The results of the first study have shown that financial literacy has got an effect on financial inclusion. It is in accordance with the studies conducted by Widayanti, et al, (2017), & Putri et al, (2019). Thus, the first hypothesis is accepted and can be proven to be true that financial literacy influences financial inclusion.…”

“…Next, the results of the study conducted by Widayanti et al, (2017), concluded that financial literacy had an effect of 28.9% on the sustainability of MSMEs for businesses. In contrary, Yushita & Amanita (2017), state that in general, the level of financial literacy is low in developed countries.…”

The Role of Financial Literacy on Financial Behavior

“…Some of them even have no adequate financial recording. Widayanti et al, (2017) suggest this is due to the low interests of MSME owners to record and book each of the transactions they make and this will eventually make it difficult for them to monitor how their businesses are doing. In addition, the financial institution will also find it hard to minimize the default risk for the loan given to MSMEs.…”

Identifying Micro-Entrepreneurs' Perception toward Financial Training: a Support for Economic Empowerment

“…Next, participate in the process development and decisions which influence them. Also, community empowerment is a concern and considered as one of the appropriate approaches to overcome social problems, especially poverty, implemented by various elements ranging from government, business and society through civil society organizations [2].…”

“…Economic empowerment is done through simple financial training so that microentrepreneurs can manage finances better so than expected to increase the micro-entrepreneurs economy. Many studies focus on small and mediumsized businesses [2]- [6], but fewer pay attention to micro-enterprises [7]. Not only is that, as far as the author's knowledge, there no research that identifies the perceptions of micro-entrepreneurs on economic empowerment through the financial training that has given to the micro-entrepreneurs.…”