Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Keberlangsungan UMKM di Provinsi Daerah Yogyakarta

Julito, Kiko Armenita (2021) Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Keberlangsungan UMKM di Provinsi Daerah Yogyakarta. Jurnal thesis, STIE YKPN.

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Abstract

The role of MSMEs is very important to drive the wheels of the economy in Indonesia. This means that the Indonesian economy is supported by micro-economic activities (MSMEs). The obstacle that occurs in MSMEs is the lack of financial understanding so that it is related to efforts to improve product quality and lack of innovation. The purpose of this study is to see the effect of financial literacy and financial inclusion on the sustainability of the culinary sector SMEs registered at the Yogyakarta Cooperatives and UMKM Service which is moderated by self-efficacy. The method used is a survey method in the form of a questionnaire distributed to respondents. Questionnaires were distributed to 122 respondents, but only 65 returned questionnaires. The analytical tool used SPSS version 25. The results obtained from the first hypothesis, financial literacy has a positive effect on the sustainability of supported SMEs. The second hypothesis, that financial inclusion has a positive effect on the sustainability of MSMEs is not supported. The third hypothesis, self-efficacy moderating financial literacy on the sustainability of MSMEs is supported. This study provides theoretical implications, namely the Resource Based View theory is used as a grand theory in explaining financial literacy and financial inclusion which is one part of business internal resources. The methodological implication is that there are inconsistent research results so that self-efficacy is used as a moderation in this study in order to be able to strengthen the influence of financial literacy on the sustainability of MSMEs.

Item Type: Thesis (Jurnal)
Additional Information: Tesis dapat dibaca di Perpustakaan dengan call number JUL P 475/2021
Uncontrolled Keywords: financial literacy, financial inclusion, self efficacy, sustainability of MSME
Subjects: AKUNTANSI > Sistem Informasi Akuntansi
AKUNTANSI > Akuntansi Sektor Publik
Divisions: Program Pasca Sarjana > Jurnal Tesis Magister Akuntansi
Depositing User: Sari Dewi
Date Deposited: 12 May 2022 07:29
Last Modified: 12 May 2022 07:29
URI: http://repository.stieykpn.ac.id/id/eprint/1941

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