Does Financial Literation Moderate The Effect of Funding on The Sustainability of Micro Enterprises

Hapsoro, Dody and Iswara, Adrian Septia (2019) Does Financial Literation Moderate The Effect of Funding on The Sustainability of Micro Enterprises. The Indonesian Journal of Accounting Research, 22 (3). pp. 359-376. ISSN p-ISSN: 2086-6887 | e-ISSN: 2655-1748

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Abstract

Financing is one of the main supporting factors in the sustainability of micro-businesses. Micro businesses are expected to be able to manage company finances professionally for the benefit and sustainability of their business. The purpose of this study is to examine financial literacy skills in moderating the effect of financing on the sustainability of micro-businesses. The variables tested were financing, financial literacy, and business sustainability. The population in this study is a micro-business that runs its business activities in Blora Regency, Central Java. The number of samples used in this study was 120 micro-businesses, which were determined based on the purposive sampling method. The analytical tool used to test the hypothesis is simple regression and multiple regression using SPSS version 25.0. The results showed that financing has a positive effect on the sustainability of micro-businesses, and financial literacy strengthens the effect of financing on the sustainability of micro-businesses. This study implies that micro-entrepreneurs are expected to be able to improve financial literacy skills, especially in terms of fund management, because funds obtained from financing activities are vulnerable to the possibility of fraud and mismanagement.

Item Type: Article
Uncontrolled Keywords: financing, financial literacy, business sustainability, micro-enterprises
Divisions: Dosen STIE YKPN > Artikel > Jurnal
Depositing User: Pustakawan STIE YKPN
Date Deposited: 27 Apr 2020 01:45
Last Modified: 27 Apr 2020 01:45
URI: http://repository.stieykpn.ac.id/id/eprint/831

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