Analysis of the Influence of Financial Literacy and Financial Inclusion on MSME Performance
Abstract
Penelitian ini dilatarbelakangi oleh mayoritas UMKM di Kabupaten Garut yang mayoritas berskala mikro yaitu sebesar 86%. Tujuan dalam penelitian ini adalah untuk mencari tahu pengaruh dari literasi keuangan, inklusi keuangan dan pengelolaan keuangan terhadap kinerja UMKM di kabupaten garut. Adapun untuk metode penelitian dalam penelitian ini adalah metode analisis deskriptif menggunakan SEM-PLS sebagai metode analisisnya dimana analisis yang digunakan dalam penelitian ini yaitu uji outer model, uji inner model dan uji hipotesis yang dilakukan dengan menentukan nilai r-square, f-square, dan t-statistic. Sampel dalam penelitian ini adalah 100 pelaku UMKM di Kabupaten Garut yang terdaptar sebagai UMKM pemilik NIB (Nomor Induk Berwirausaha). Hasil temuan dari penelitian ini menunjukan bahwa Literasi keuangan tidak berpengaruh signifikan terhadap kinerja UMKM. Sedangkan inklusi keuangan dan pengelolaan keuangan berpengaruh positif signifikan
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References
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