PENGARUH FINANCIAL LITERACY TERHADAP BUSINESS SUSTAINABILITY PADA UMKM DESA PANGGUNGHARJO
DOI:
https://doi.org/10.32477/jkb.v28i1.27Keywords:
financial literacy, business sustainabilityAbstract
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 knoledge owned by the SMEs businessman (manager) toward the sustainability of their business from the SMEs in the village of Panggungharjo. This research is a quantitative research, using simple linier regression to test the hypothesis and take the population is SMEs in the village of Panggungharjo, while the data is obtained through questionnaires to 30 SMEs in the village of Panngungharjo. Independent variables in this research are financial literacy and business sustainability is dependent variable. The result showed that financial literacy gives effect to business sustainability of 33.8 percent. It shows that financial literacy or financial knowledge owned by the SMEs businessman (manager) in Panggungharjo is important in supporting the sustainability of their business.
References
Aribawa, Dwitya (2016), Pengaruh Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Umkm Di Jawa Tengah, Jurnal Siasat Bisnis 20 (1), 1- 13
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. Jurnal 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
Fitriyani (2017). Studi Deskriptif Tentang Faktor-Faktor Keberlangsungan Usaha, Laporan Penelitian.
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 keuangan di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya. Proceedings 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
Marwati (2017). Pengaruh Motivasi terhadap Keberlangsungan Usaha. Jurnal SUHUF Volume 2 No.2
Masitoh dan Widayanti.(2015). Pengaruh Sosialisasi, Tingkat Pemahaman, Motivasi, Kepribadian Terhadap Penerapan SAK-ETAP di Kampoeng Batik Laweyan Solo, Jurnal Paradigma UNIBA.
Muliaman (2016), “Siaran Pers: OJK Dan OECD/INFE Melakukan Pemberdayaan UMKM Melalui Literasi Dan Inklusi Keuangan”, SP-38/DKNS/ OJK/5/2016, 2 Mei 2016.
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): 276–95
Undang-Undang Republik Indonesia Nomor. 20 Tahun 2008 Usaha Mikro, Kecil, dan Menengah, Lembaran Negara Republik Indonesia Nomor 4866. Jakarta.
Widayanti, Rochmi., Damayanti, Ratna. dan Marwanti, Fithria. (2017), Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha (Business Sustainability) Pada UMKM Desa Jatisari. Jurnal Ilmiah Manajemen & Bisnis Vol. 18 No. 2, 2017, 153-163.
Wiyono, Gendro. (2011). Merancang Penelitian Bisnis dengan alat analisis SPSS 17.0 & SmartPLS 2.0. Yogyakarta: STIM YKPN
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2020 Lilik Ambarwati, Lukia Zuraida
![Creative Commons License](http://i.creativecommons.org/l/by-sa/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.