PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KINERJA UMKM (STUDI KASUS BIDANG KULINER DI KECAMATAN BINAWIDYA KOTA PEKANBARU)
Abstract
Micro, Small and Medium Enterprises are one of the business groups that can
survive the economic crisis. The development of the number of Micro, Small
and Medium Enterprises units continues to increase, which can open up broad
employment opportunities. This small business is still seen as a business with
weak performance. To overcome poor performance, Micro, Small and Medium
Enterprises require the development of quality Human Resources. Quality
improvement is needed especially in Financial Awareness, Financial
Knowledge, Financial Skills, Financial Behavior, Financial Attitudes. This
study aims to determine the effect of Sharia Financial Literacy on the
Performance of Micro, Small and Medium Enterprises in the Culinary Sector
in Binawidya District, Pekanbaru City. The number of research samples was
95 MSME actors with a proportionate stratified random sampling technique
with a descriptive quantitative approach. Data Analysis using Multiple Linear
Regression Methods with Five Independent Variables Financial Awareness,
Financial Knowledge, Financial Skills, Financial Behavior, Financial
Attitudes, Dependent Variables MSME Performance. The results of this study
indicate that, Financial Awareness has a Significant Negative effect on MSME
Performance, Financial Knowledge has no Significant Positive effect on
MSME Performance, Financial Skills have a Significant Positive effect on
MSME Performance, Financial Behavior has a Significant Positive effect on
MSME Performance, Financial Attitudes have a Significant Positive effect on
MSME Performance in the Culinary Sector in Binawidya District, Pekanbaru
City.
References
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 2-4.Baharuddin, S. (2021). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM Kuliner Kota Makassar. Economic Bosowa Journal, 7(004), 502-506.
Buchdadi, D.A., Sholeha, A., & Ahmad, Z.A. dan Mukson (2020. The Influence Of Financial Literacy On SMES Performance. Academy of Accounting and Financial Studies Journal, 24(5) : 1-4.
Budiono, B. (2014). Keterkaitan Financial Attitude, Financial Behavior & Financial Knowledge pada Mahasiswa Strata 1 Universitas Atmajaya Yogyakarta. Skirpsi. Yogyakarta: Program Studi Manajemen Fakultas Ekonomi Universitas Atmajaya.
Chepngetich, P. (2016). Effect Of Financial Literacy and Performance SMEs Eviden From Kenya. American Based Research Journal, 8(11) : 26-29.
Djuwita, D. & Yusuf, A. (2018). Tingkat Literasi Keuangan Syariah di Kalangan UMKM dan Dampaknya Terhadap Perkembangan Usaha. Jurnal Al- Amwal, 10(1), 107-112.
Febriana, N.S. & Sulhan, M. (2021). Pengaruh Inklusi Keuangan dan Literasi Keuangan Terhadap UMKM pada Masa Pandemi Covid 19 (Studi Kasus pada UMKM Kabupaten Malang. Jurnal Competitive, 16(2), 59- 62.
Jumadi, E., Halim, A., & Manja, D. (2022). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kota Makassar. Jurnal Encogen, 5(2), 284-286.
Kasendah, B.S. & Wijayangka, C. (2019). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM. Jurnal Manajemen & Bisnis, 3(1), 153-156.
Kurniawan, A. (2017). Studi Faktor-Faktor Yang Mempengaruhi Kesadaran Keuangan (Studi Kasus Pada Mahasiswa Fakultas Ekonomiangkatan 2014-2015 Universitas Sanata Dharma). Skripsi. Yogyakarta: Program Studi Akuntansi Fakultas Ekonomi Universitas Sanata Dharma Studi Akuntansi Fakultas Ekonomi Universitas Sanata Dharma
Prakoso, A. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM se- Eks Karesidenan Besuki. Valid Jurnal Ilmiah, 17(2), 152-153.
Prihatni, R. N. & Ulupul I. (2020). The Effect Of Financial Literacy, Fintech (Financial Technology) and Intellectual Capital On The Performance Of MESMEs In Depok City, West Java. Journal Of Social Science, 1 (4) : 152-158.
Putri, N.M. (2022). Literasi Keuangan Syariah Terhadap Kinerja UMKM. Jurnal Hukum Ekonomi Syariah, 1(2), 82-83.
Rosliyanti, A. & Iskandar, Y. (2022). Pengaruh Literasi Keuangan Terhadap Kinerja UMKM Bordir Tasikmalaya. Jurnal Ekonomi & Ekonomi Syariah, 5(1), 756-758.
Sanistasya, A.P., Rahardjo, K., & Iqbal M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1), 49-51.
Septiani, N.R. & Wuryani, E. (2020). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja UMKM di Sidoarjo. E-Jurnal Manajemen, 9(8), 3215-3223.
Sugiyono. (2015). Metode Penelitian Kuantitatif Kualitatif dan R&D Bandung: CV Alfabeta, h.64.
Sunandes, A. (2014). Pengaruh Financial Knowledge Terhadap Personal Financial Goals (Studi Kasus Pada Mahasiswa Stieken Blitar). Skripsi. Blitar: STIE Kesuma Negara.
Suryani, S. (2017). Analisis Literasi Keuangan Pelaku Usaha Mikro di Kecamatan Payung Sekaki Kota Pekanbaru. Jurnal Ekonomi KIAT, 28(2), 18-23.
Wiharno, H. (2018). Pengaruh Financial Knowledge,Financial Behavior,Financial Attitude Terhadap Personal Financial Managemen. Skripsi. Kuningan: Program Studi Ekonomi Fakultas Ekonomi Dan Bisnis Universitas Kuningan.
Wiratna, V.S. (2021). Metodologi Penelitian Bisnis dan Ekonomi. Yogyakarta: PUSTAKABARUPRESS.
Copyright (c) 2024 Al-Amwal :Jurnal Ekonomi Islam
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
1. Copyright of all journal manuscripts is held by the Al-Amwal : Jurnal Ekonomi Islam
2. Formal legal provisions to access digital articles of electronic journal are subject to the provision of the Creative Commons Attribution-ShareAlike license (CC BY-NC-SA), which means that Al-Amwal : Jurnal Ekonomi Islam is rightful to keep, transfer media/format, manage in the form of databases, maintain, and publish articles.
3. Published manuscripts both printed and electronic are open access for educational, research, and library purposes. Additionally, the editorial board is not responsible for any violations of copyright law.
licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
