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.
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