Pengaruh Literasi Keuangan dan Persyaratan Kredit terhadap Akses Kredit Formal pada UMKM di Surabaya

A number of previous empirical studies found that, financially speaking, literate people tends to do budgeting, saving, controlling expenses, managing debt well, participating in stock market and planning pension fund, etc. In other words, the higher an individual’s knowledge and understanding of financial concept, the more likely they are to behave financially well in their daily life. Financial literacy is needed by everyone, including womenpreneur because not only they have to be able to manage their personal finance, they should also manage their business finance. Financially literate people are more likely to get access to external funding and to develop their business. This research aims to examine the role played by financial literacy on financial behavior of womenpreneur in Malang. Financial literacy was measured using 11 questions modified from Lusardi & Mitchell (2011) and financial behavior was measured using 8 questions taken from INFE. The sample was 95 respondents who were female (owners of) Micro, Small and Medium Enterprises in Malang. The data were collected using questionnaire. We used Partial Least Square with Smart PLS 3 to examine the variables. After the first bootstrapping process, we drop some invalid indicators and then perform the second bootstrapping. The result showed that all of the remaining indicators were valid and financial literacy had been found to have positive significant (influence) on financial behavior.

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“…Furthermore, they will also be spared from informal lenders or loan sharks (Oktavianti, Hakim, & Kunaifi, 2017).…”

Section: Literature Review and Hypothesesmentioning

confidence: 99%

The Role of Financial Literacy on Financial Behavior

Andarsari

Ningtyas

2019

JABE

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“…Sama halnya dengan (Yuwono, Suharjo, Sanim, & Nurmalina, 2017) bahwa terdapat hubungan antara literasi keuangan terhadap lembaga keuangan dengan tingkat penggunaan produk keuangan, semakin tinggi literasi keuangan petani terhadap lembaga keuangan maka semakin tinggi pula tingkat penggunaan produk lembaga keuangan. Akan tetapi (Oktavianti, V., Hakim, M.S., Kunaifi, 2017) Hal ini dibuktikan oleh penelitan (Sohilauw, 2018) Apabila dibandingkan antara t hitung > nilai t tabel maka dapat dikatakan terjadi pengaruh moderasi.…”

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PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN STRUKTUR MODAL UMKM DENGAN INKLUSI KEUANGAN SEBAGAI PEMODERASI (Studi Pada UMKM Klaster Mebel dan Furnitur Kota Semarang)

Susilawati¹,

Puryandani²

2020

SLSI

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Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan terhadap keputusan struktur modal dan inklusi keuangan sebagai variabel pemoderasi pada UMKM. Penelitian ini dilakukan pada UMKM klaster mebel dan furnitur di kota Semarang. Sampel penelitian ini adalah 100 UMKM, dengan model penentuan sampel menggunakan purposive sampling. Teknik analisis data yang digunakan adalah analisis regresi linier berganda serta uji path dan uji sobel untuk menguji hipotesis tersebut. Berdasarkan hasil penelitian ini menunjukkan bahwa variabel inklusi keuangan mampu memperkuat hubungan antara literasi keuangan terhadap keputusan struktur modal UMKM di kota Semarang. Variabel literasi keuangan berpengaruh positif signifikan terhadap keputusan struktur modal dan variabel literasi keuangan berpengaruh positif signifikan terhadap inklusi keuangan. Namun, variabel inklusi keuangan berpengaruh negatif terhadap keputusan struktur modal. Kata kunci : Literasi Keuangan, Keputusan Struktur Modal, Inklusi Keuangan

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“…Disimpulkan bahwa keterbatasan akses kredit bank dapat ditingkatkan bilamana pelaku UMKM memiliki pemahaman yang baik tentang literasi keuangan, persyaratan kredit, dan kualitas informasi akuntansi. (Oktavianti, 2017).…”

Section: Abstrakunclassified

Determinant Factor of Small Medium Enterprises to Access Bank Credit

Herwiyanti

Rafinda

2021

JIA

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This study aims to identify the determinant factors of bank credit access to small and medium enterprises. As the country's economy's backbone, the facts do not make SMEs free from capital constraints. Although the Government of Indonesia has issued a policy regarding lending through financial institutions, it turns out that this support has not played a significant role in encouraging SMEs to obtain bank credit. This research was conducted in Banyumas Regency, with the research respondents being SMEs who had already received credit. The study results found that financial literacy, credit terms, and quality information accounting affect bank credit access. It is concluded that limited access to bank credit can be improved if SMEs understand financial literacy, credit requirements, and accounting information quality.

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Pengaruh Literasi Keuangan dan Persyaratan Kredit terhadap Akses Kredit Formal pada UMKM di Surabaya

Cited by 17 publications

References 0 publications

The Role of Financial Literacy on Financial Behavior

The Role of Financial Literacy on Financial Behavior

PENGARUH LITERASI KEUANGAN TERHADAP KEPUTUSAN STRUKTUR MODAL UMKM DENGAN INKLUSI KEUANGAN SEBAGAI PEMODERASI (Studi Pada UMKM Klaster Mebel dan Furnitur Kota Semarang)

Determinant Factor of Small Medium Enterprises to Access Bank Credit

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