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

Rochmi Widayanti; Ratna Damayanti; Fithria Marwanti

doi:10.30596/jimb.v18i2.1399

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

Rochmi Widayanti, Ratna Damayanti, Fithria Marwanti

Abstract

The SMEs sector is one of the drivers of the economy, but in its development there are still many unresolved problems, one related to finance. The purpose of this research is to know the influence of financial literacy or financial knowledge owned by the SMEs businessman (manager) towards the sustainability of their business from the SMEs in the village of Jatisasri. This research is a quantitative research, using simple lineir regression to test the hypothesis and take the popolation as well as the sample of research is the businessman (manager) of SMEs in the village of Jatisari Wonogiri a number of 38 respondents. Independent variables in this research are financial literacy and business sustainability is dependent variable. The results showed that financial literacy gives effect to business sustainability of 28.9%. This shows that financial literacy or financial knowledge owned by the SMEs businessman (manager) in Jatisari is important in supporting the sustainability of their business.

Keywords

Financial literacy, business sustainability

Full Text:

PDF

References

Abor, Joshua dan Peter Quartey. (2010). Issues in SME Development in Ghana and South Africa. International Research Journal of Finance and Economics, Issue 39.

Adomoko, S., Danso, A., dan Damoah, J.O.(2016). The moderating influence of financial literacy on the relationship between access to finance and firm growth in Ghana. Venture Capital, 18(1). 43-61.

Ariwibawa, Dwitya (2016). Pengaruh Literasi Terhadap Kinerja Dan Keberlangsungan UMKM di Jawa Tengah, Siasat , Vol 20 No. 1, Januari 2016 Hal: 1 13.

Audretsch, D., Van der Horst, R., Kwaak, T., dan Thurik, R. (2009). First Section of The Annual Report on EU Small and Medium-Sized Enterprises. EIM Business & Policy Research. 12

Braunstein, S.,dan Welch, C. (2002). Financial Literacy: An Overview of Practice,Research, and Policy. USA: Federal Reserve Bulletin.

Bank Indonesia. (2010). Kajian Akademik Pemeringkat Kredit Bagi Usaha Mikro, Kecil dan Menengah di Indonesia. Januari. BI Jakarta

Bhushan, P., & Medury, Y. (2013). Financial literacy and its determinants. International Journal of Engineering, Business and Enterprise Applica-tions (IJEBEA), 4(2), 155160

Carter, S., & Jones-Evans, D. (2006). Enterprise and Small Business. Harlow. FT Prentice-Hall

Cravo, Tulio A., Adrian Gourlay, dan Bettina Becker. (2010). SME and Regional Economic Growth in Brazil. Department of Economics Loughborough University Discussion Paper.

Draxler, A., Fischer, G., dan Schoar, A. (2014). Keeping it simple: Financial literacy and rules of thumb. American Economic Journal: Applied Economics. 6(2). 1-31. http://dx.doi.org/10.1257/app.6.2.1

Fatoki. (2014). The Financial Literacy of Micro Entrepreneurs in South Africa. J Soc Sci, 40(2): 151-158.

Felicia Claresta Harli, Nanik Linawati, Gesti Memarista. (2015). Pengaruh Financial Literacy dan Faktor Sosiodemografi Terhadap Perilaku Konsumtif. FINESTA Vol. 3, No. 1, hal. 58-62

Falkena, Hans, et al. (2008) SMEs Access to Finance in South Africa: A Supply Side Regulatory Review. The Task Group of the Policy Board for Financial Services Regulation

Ghozali, Imam. (2006). Aplikasi Analisis Multivariate lanjutan dengan program SPSS, Edisi 1 Undip Semarang.

Hudson, M., A. Smart and M. Bourne. (2001). Theory and practice in SME performance measurement systems. International Journal of Operations & Production Management. 21(8). 1096-1115.

Handayani, N, ( 2007). Studi Deskriptif Kualitatif Tentang Keterkaitan Hubungan Modal Sosial Dengan Keberlangsungan Usaha Pengusaha Batik Di Kampung Kauman, Kelurahan Kauman, Kecamatan Pasar Kliwon, Surakarta), Laporan Penelitian.

Kumar, K., Boesso, G., Favotto, F., dan Menini, A. (2012). Strategic orientation, innovation patterns and performances of SMEs and large companies. Journal of Small Business and Enterprise Development. 19(1). 132 145

Krishna, A., Rofaida, R., & Sari, M. (2010). Analisis tingkat literasi di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya. Pro-ceedings of the 4th International Conference on Teacher Education; Join Conference UPI & UPSI Bandung, Indonesia

Ligthelm, A.A.,(2010), Southern African Business Review , Volume 14 Number 3

Masitoh dan Widayanti.(2015). Pengaruh Sosialisasi, Tingkat Pemahaman, Motivasi, Kepribadian Terhadap Penerapan SAK-ETAP di Kampoeng Batik Laweyan Solo, Paradigma UNIBA.

Muraga, K.P, dan John, N. (2015). Effects of financial literacy on performance of youth led entreprises: a case of equity group foundation training program in Kiambu county. International Journal of Social Sciences Management and Entrepreneurship. 2(1) 218-231.

Organization for Economic Cooperation and Development(2012), Financial Literacy Assessment Framework, PISA 12, OECD International Network of Financial Education (INFE).

Remund, D. L. (2010), Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy, Journal of Consumer Affairs, 44(2): 27695

Muliaman (2016), Siaran Pers: OJK Dan OECD/INFE Melakukan Pemberdayaan UMKM Melalui Literasi Dan Inklusi , SP-38/DKNS/OJK/5/2016, 2 Mei 2016.

Undang-Undang Republik Indonesia Nomor. 20 Tahun 2008 Usaha Mikro, Kecil, dan Menengah, Lembaran Negara Republik Indonesia Nomor 4866. Jakarta.

DOI: https://doi.org/10.30596/jimb.v18i2.1399

Refbacks

There are currently no refbacks.

Jurnal Ilmiah Manajemen Dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

ISSN 1693-7619 (print) | ISSN 2580-4170 (online)

View My Stats