The Effect of Financial Literacy and Financial Inclusion on the Financial Performance of MSMEs in the City of Bandung

Rieke Sri Rizki Asti Karini, Panji Pamungkas

Abstract


This study examines the level of understanding and use of financial institution products in MSME actors in the city of Bandung which is a solution to the problem of making decisions in order to achieve success in financial performance, namely company profits. The aim is to determine the influence of financial literacy and financial inclusion on financial performance in MSMEs in the city of Bandung. Using the purposive sampling method with a survey approach. Data collection uses a questionnaire distributed through a google form to MSMEs in the city of Bandung. The analysis tool used is multiple Linear Regression.


Keywords


Financial Literacy, Financial Inclusion, Financial Performance

Full Text:

PDF

References


Adomako, S., Danso, A., & Ofori Damoah, J. (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.

Agarwal, T. (2016). Twin Pillars of Indian Banking: Financial Literacy and Financial Inclusion. SIES Journal of Management, 12(2).

Anggraini, D., & Nasution, S. H. (2013). Peranan kredit usaha rakyat (KUR) bagi pengembangan UMKM di Kota Medan (studi kasus Bank BRI). Jurnal Ekonomi Dan Keuangan, 1(3), 14879.

Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.

Asra, A., Utomo, A. P., Asikin, M., & Pusponegoro, N. H. (2017). Analisis Multivariabel: Suatu Pengantar. Bogor: In Media.

Audretsch, D., Van der Horst, R., Kwaak, T., & Thurik, R. (2009). First section of the annual report on EU small and medium-sized enterprises. EIM Business & Policy Research, 12.

Azis, A., & Nurasiah, N. (2024). Development of History Problems Based on Higher Order Thinking Skills (HOTS) Using Anderson Krathwohl Taxonomy. Riwayat: Educational Journal of History and Humanities, 7(1), 111-118.

Carree, M., & Klomp, L. (1996). Small business and job creation: a comment. Small Business Economics, 8, 317–322.

Carter, S., & Jones-Evans, D. (2006). Enterprise and small business: Principles, practice and policy. Pearson Education.

Creswell, J. W. (2016). Research design: pendekatan metode kualitatif, Kuantitatif dan Campuran.

Dahmen, P., & Rodríguez, E. (2014). Financial literacy and the success of small businesses: An observation from a small business development center. Numeracy, 7(1), 3.

Dharma, S. (2005). Manajemen kinerja. Jakarta: Pustaka Pelajar.

Fatoki, O., & Odeyemi, A. (2010). The determinants of access to trade credit by new SMEs in South Africa. African Journal of Business Management, 4(13), 2763.

Ghozali, I. (2016). Aplikasi Analisis multivariete dengan program IBM SPSS 23 (Edisi 8). Cetakan Ke VIII. Semarang: Badan Penerbit Universitas Diponegoro, 96.

Herdjiono, M. V. I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Jurnal Manajemen Teori Dan Terapan, 9(3), 226–241.

Hikam, H. A. Al. (2019). OJK Sebut Cuma 60% Orang RI Punya Rekening Bank. https://finance.detik.com/moneter/d-4522143/ojk-sebutcuma-60- orang-ri-punya-rekening-bank

Kasenda, B. S., & Wijayangka, C. (2019). Pengaruh literasi keuangan terhadap kinerja UMKM. Almana: Jurnal Manajemen Dan Bisnis, 3(1), 153–160.

Lestari, S. (2015). Literasi keuangan serta penggunaan produk dan jasa lembaga keuangan. Fokus Bisnis: Media Pengkajian Manajemen Dan Akuntansi, 14(2).

Lusardi, A. (2008). Planning and financial literacy: How do women fare.

Mutasowifin. (2008). Memahami Laporan Keuangan Edisi 7. Jakarta: PT. Indeks.

Nasution, L. N., Sari, P. B., & Dwilita, H. (2013). Determinan Keuangan Inklusif Di Sumatera Utara, Indonesia. Jurnal Ekonomi & Studi Pembangunan, 14(1), 58–66.

Orser, B. J., Hogarth-Scott, S., & Riding, A. L. (2000). Performance, firm size, and management problem solving. Journal of Small Business Management, 38(4), 42.

Otoritas Jasa Keuangan Indonesia. (2021). Strategi nasional literasi keuangan Indonesia. Otoritas Jasa Keuangan, 378.

Prihadi, T. (2019). Analisis laporan keuangan. Gramedia Pustaka Utama.

Rapih, S. (2015). Analisis pengaruh kompetensi sumber daya manusia, modal sosial dan modal finansial terhadap kinerja UMKM bidang garmen di Kabupaten Klaten. UNS (Sebelas Maret University).

Riwayati, H. E. (2017). Financial inclusion of business players in mediating the success of small and medium enterprises in Indonesia. International Journal of Economics and Financial Issues, 7(4), 623–627.

Romulo, C. S., & Dalimunthe, Z. (2024). Effect of related party transaction and tax haven utilization on tax avoidance moderated by Country-by-Country reporting. Riwayat: Educational Journal of History and Humanities, 7(1), 26-40.

Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). The effect of financial literacy and financial inclusion on small enterprises performance in East Kalimantan. Jurnal Economia, 15(1), 48–59.

Sugiyono. (2018). Metode Penelitian kuantitatif, Kualitatif, dan R&D. Alfabeta.

Sujarweni, W. (2014). Metodologi penelitian: Lengkap, praktis, dan mudah dipahami. Pustaka baru press.

Toha, E. L., & Harahap, S. N. (2014). Accrual Anomaly in Indonesia (Empirical Study of Companies Registered in Indonesia’s Stock Exchange). The Indonesian Journal of Accounting Research, 17(1).

Wachira, I. M., & Kihiu, E. N. (2012). Impact of financial literacy on access to financial services in Kenya.

Wicaksono. (2023). Tingkat Literasi Keuangan UMKM masih rendah. https://www.tribunnews.com/bisnis/2014/08/07/tingkat-literasikeuangan-umkm-%0Amasih-rendah%0A

Wulandari, D. (2024). The Effectiveness of Youtube Channel as Learning Media at Conversation Class. Riwayat: Educational Journal of History and Humanities, 7(1), 67-69.

Wulandari, R. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja UMKM (Studi Kasus pada UMKM Provinsi DKI Jakarta). Fakultas Ekonomi dan Bisnis Uin Jakarta.




DOI: https://doi.org/10.24815/jr.v8i2.45448

Article Metrics

Abstract view : 0 times
PDF - 0 times

Refbacks

  • There are currently no refbacks.


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

Riwayat: Educational of History and Humanities indexed by

sinta_logodoaj_logoDimensions_logoCROSSREF_logoROAD_logoPKP_Index_logoGoogle_Scholar_logogaruda_logoonesearch_logoBASE_logoWordcat_logo

___________________________________________________________
Riwayat: Educational of History and Humanities

E-ISSN 2775-5037
P-ISSN 2614-3917

Published by History Education Department, Faculty of Teacher Training and Education, Universitas Syiah Kuala, Province Aceh. Indonesia
W :https://jurnal.usk.ac.id/riwayat
E : riwayat@usk.ac.id

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