PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU UMKM DI KAB. PEKALONGAN

Anggi; Siti Nurhayati

Authors

Anggi Uniersitas Pekalongan
Siti Nurhayati Universitas Pekalongan

Keywords:

Financial Literacy, Financial Inclusion, Financial Technology, Financial Management

Abstract

This reseach aims test and analyze the influence of financial literacy, financial inclusion and financial technology on financial management among MSME in Pekalongan regency. The population in this research is MSME actors in Pekalongan regency MSME who have obtained a Business Identification Number (NIB) in 2023, is registered with the District Cooperatives, SMES and Manpower office. The research sample was 100 respondents, using the accidental sampling method. The analysis technique uses hypothesis testing (simple p-value regression coefficient test) using data processing software SPSS (Statistical Package For the Social Sciences) version 22.

The result of the research show : (1) financial literacy has a positive and significant effect on financial management among MSME in the district Pekalongan. (2) financial inclusion has a positive and significant effect on financial management among MSME in the district Pekalongan. (3) financial technology has a positive and significant effect on financial management among MSME in the district Pekalongan

Keyword : Financial Literacy, Financial Inclusion, Financial Technology, Financial Management.

References

Gardeva, A., & Rhyne, E. (2011). Opportunities and Obstacles to Financial Inclusion. Center for Financial Inclusion, 12, 1–54.

Huston, S. J. (2010). The Journal Of Consumer Affairs Measuring Financial Literacy. The Journal of Consumer Affairs, 44(2), 296–316.

Infithor, M. F., Kornitasari, Y., Ekonomi, F., & Brawijaya, U. (2019). JURNAL ILMIAH Disusun Oleh : Muhammad Falaq infithor. Jurnal Ilmiah UNiBRAW, 145020107111014.

Jooner Rambe, Yan Irianis, & Dwi Eriyanto. (2023). Dampak Literasi Keuangan Dan Financial Technology Terhadap Pengelolaan Keuangan Umkm Cimanggis Depok. Jurnal Edukasi Dan Multimedia, 1(3), 1–6. https://doi.org/10.37817/jurnaledukasidanmultimedia.v1i3.3569

Komala Ardiyani, Syafnita, L. A. (2021). Peningkatan kinerja umkm dalam pengelolaan laporan keuangan. 24(September), 103–111.

Layyinaturrobaniyah, & Muizu, W. O. Z. (2017). Pendampingan Pengelolaan Keuangan Usaha Mikro Di Desa Purwadadi Barat Dan Pasirbungur Kabupaten Subang. Jurnal Pekbis, 9(2), 91–103.

Otoritas Jasa Keuangan. (2017). Surat Edaran Otoritas Jasa Keuangan Nomor 30 /Seojk.07/2017. Surat Edaran Otoritas Jasa Keuangan Nomor 30 /Seojk.07/2017, 1689–1699.

Pusporini, P. (2020). Pengaruh Tingkat Literasi KeuanganTerhadap Pengelolaan Keuangan Pada Pelaku UMKM Kecamatan Cinere, Depok. Jurnal Ilmu Manajemen Terapan, 2(1), 58–69. https://doi.org/10.31933/jimt.v2i1.315

Sutrisno, C. R., Ayuningrum, A. P., & Ulum, A. S. (2021). Literasi Keuangan Bagi Komunitas di Kecamatan Doro Kabupaten Pekalongan. ABDIMAS EKODIKSOSIORA: Jurnal Pengabdian Kepada Masyarakat Ekonomi, Pendidikan, Dan Sosial Humaniora (e-ISSN: 2809-3917), 1(1), 21–28. https://doi.org/10.37859/abdimasekodiksosiora.v1i1.3161

Wahyuni, E. D., & Raprayogha, R. (2021). Pengaruh Financial Knowledge, Financial Attitude, Financial Experience, dan Income terhadap Financial Behavior pada Nasabah KPN Al-Muawwanah Uin Alauddin Makassar. Study of Scientific and Behavioral Management (SSBM), 2(2), 72–81. http://journal.uin-alauddin.ac.id/index.php/ssbm