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

Susilawati, Eka; Puryandani, Siti

doi:10.26623/slsi.v18i2.2298

Cited by 5 publications

(5 citation statements)

References 6 publications

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“…The ability of financial literacy is a combination of behavior, knowledge, skills, and attitudes toward financial management with the aim of improving the quality of financial management decision-making so that it is well planned. The results of this hypothesis are in accordance with the research (Sohilauw, 2018), (Susilawati & Puryandani, 2020), (Tsalitsa & Rachmansyah, 2016).…”

Section: Discussionsupporting

confidence: 91%

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Financial Literacy On Capital Aspect With Financial Inclusion As A Moderation Variable

Indarwati,

Rahmawati,

Sujarweni

2022

IAJ

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This study aims to determine the effect of financial literacy on the aspects of capital with financial inclusion as a moderating variable in the Salatiga City MSMEs. This research was conducted at UMKM Salatiga City. The research sample was 105 respondents. This study uses a quantitative approach. The data collected from research is based on questionnaire distribution with a model of determining the sample using random sampling. The data analysis technique used is moderation regression analysis to test the hypothesis with the help of a computer SPSS program. Based on the results of this study, it shows that financial literacy has a positive and significant effect on the capital aspect. And the financial inclusion variable is able to strengthen the relationship between financial literacy and the capital aspects of MSMEs in the City of Salatiga.Keywords: Financial Literacy, Financial Inclusion, Capital Aspects

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Section: Discussionsupporting

confidence: 91%

“…The business feasibility aspect is the aspect viewed by the financial institution to determine the risks and rates of return encountered. In obtaining financing there are often obstacles, one of which is the limited asset, so in running their business MSMEs prefer to use personal capital (Susilawati & Puryandani, 2020).…”

Section: Financial Inclusionmentioning

confidence: 99%

Financial Literacy On Capital Aspect With Financial Inclusion As A Moderation Variable

Indarwati,

Rahmawati,

Sujarweni

2022

IAJ

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“…This can be explained that the results of research that have been conducted, the better the financial literacy of micro business actors, the better the effect on financial inclusion. The results of this study support research conducted by (Susilawati & Puryandani, 2020); (Liska et al, 2022); (Pulungan & Ndururu, 2019) showing that financial literacy has a positive and significant effect on financial inclusion. This means that the better the level of financial literacy, the more financial inclusion increases.…”

Section: Effect Of Financial Technology On Business Performancesupporting

confidence: 88%

Effect of Financial Literacy and Financial Technology on Micro-Business Performance Mediated by Financial Inclusion (Case Study of Micro-Businesses in Muara Bulian District)

Kusumardiyani,

Setiawati,

Wediawati

et al. 2023

JBSMR

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This study aims to the Effect of Financial Literacy and Financial Technology on business performance through Financial Inclusion mediation in the subdistrict Muara Bulian. This research is quantitative and the research data used are primary and secondary. The sample is in the subdistrict Muara Bulian, totalling 93 actors. Data collection was carried out by distributing questionnaires with a Likert scale. Data testing techniques use the Validity Test and Reliability Test, R-Square test and Hypothesis Test with Bootstrapping using SmartPLS 3.0 Software. The results showed that Financial Literacy had a positive significant effect on Business Performance, Financial Technology had a positive significant effect on Business Performance, Financial Literacy had a positive significant effect on Financial Inclusion, Financial Technology had a positive significant effect on Financial Inclusion, Financial Inclusion had a positive significant effect on Bussiness Performance, Financial Literacy had a positive significant effect on Business Performance with Financial Inclusion mediation, Financial Technology had a positive significant effect on Business Performance with Financial Inclusion mediation.

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“…Asumsi dasar dalam teori RBV yaitu strategi bagi pelaku usaha untuk dapat menggali keunggulan yang memiliki karakteristik berbeda dengan pelaku usaha lainnya, yaitu sumber daya internal dalam usahanya yang dapat digunakan untuk mengembangkan usahanya sehingga dapat bersaing, dengan menciptakan keterampilan dalam menerapkan sumber daya dan proses dalam upaya menumbuhkan nilai dalam kegiatan bisnis atau usaha (Susilawati & Puryandani, 2020).…”

Section: Teori Resource Based Viewunclassified

The Effect of Gender Equality, Human Capital, Government Policies, and Business Strategies on Msme Performance

Basri

2023

BAKI

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The performance or capacity of MSMEs in Indragiri Hilir Regency is estimated to decline so that it has a major impact on development and efforts to improve business performance, these problems have resulted in a decrease in business transactions so that it has an impact on profits or profits for the businesses that are run difficult to develop, and even many businesses are experiencing problems. bankruptcy or closing. Quantitative research is the focus of this research, and basically research is to examine the effect of gender equality, human capital, government policies, and business strategies on MSME performance. The samples used or used were 213 MSMEs and then analyzed using warp PLS version 8.0. The results of the study conclude that gender equality and business strategy have a positive effect on the performance of MSMEs. Human capital and government policies have a significant positive effect on the performance of MSMEs

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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)

Cited by 5 publications

References 6 publications

Financial Literacy On Capital Aspect With Financial Inclusion As A Moderation Variable

Financial Literacy On Capital Aspect With Financial Inclusion As A Moderation Variable

Effect of Financial Literacy and Financial Technology on Micro-Business Performance Mediated by Financial Inclusion (Case Study of Micro-Businesses in Muara Bulian District)

The Effect of Gender Equality, Human Capital, Government Policies, and Business Strategies on Msme Performance

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