Peran Inklusi Keuangan, Literasi Keuangan, Self Efficacy, Locus of Control, pada Kinerja Usaha Mikro, Kecil dan Menengah
Abstract views: 288
,
Fulltext downloads: 263
Keywords:
kinerja UMKM, inklusi keuangan, literasi keuangan, self-efficacy, locus of control
Abstract
Tantangan utama bagi pebisnis level mikro, kecil dan menengah untuk mencapai kebertahanan adalah menjaga kinerja usaha. Penelitian ini bertujuan untuk menguji faktor-faktor yang memengaruhi kinerja UMKM, mencakup : inklusi keuangan, literasi keuangan, self efficacy, dan locus of control. Data dikumpulkan dengan kuesioner yang didistribusikan pada saat pertemuan komunitas UMKM BSI Center di Surabaya. Sampel berhasil dikumpulkan dari 86 responden. Hipotesis penelitian diuji menggunakan regresi multivariat. Penelitian ini membuktikan bahwa inklusi keuangan, literasi keuangan, dan self efficacy memengaruhi kinerja UMKM secara signifikan. Sementara itu, locus of control tidak terbukti signifikan memengaruhi kinerja UMKM.
References
Ambarwati, T., & Fitriasari, F. (2021). Efikasi Diri terhadap Kinerja Usaha dengan Komitmen Berwirausaha sebagai Variabel Mediasi pada UMKM. Jurnal Ilmu Manajemen, 9(4). https://doi.org/https://doi.org/10.26740/jim.v9n4.p1430-1439
ASEAN Secretariat, & UNCTAD. (2022). ASEAN Investment Report 2022 : Pandemic Recovery and Investment Facilitation. https://asean.org/book/asean-investment-report-2022/
Astuti, N. N. T., & Hidayah, K. (2022). Pengaruh Literasi Keuangan, Efikasi Diri, dan Kompetensi Kewirausahaan terhadap Keberhasilan Usaha Mikro Kecil di Sleman. Prosiding Seminar Nasional Akuntansi Bisnis Dan Manajemen (SNABM) I, 240–249. http://snabm.unim.ac.id/index.php/prosiding-snabm/article/view/34
Bahiu, E. L. U., Saerang, I. S., & Untu, V. N. (2021). Pengaruh Literasi Keuangan, Pengelolaan Keuangan terhadap Keuangan UMKM di Desa Gemeh Kabupaten Kepulauan Talaud. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 9(3). https://doi.org/https://doi.org/10.35794/emba.v9i3.36009
Bandura, A. (1977). Self-Efficacy: Toward a Unifying Theory of Behavioral Change. Psychological Review, 84, 191–215.
Bandura, A. (1994). Self-Efficacy. In Encyclopedia of Human Behavior (Vol. 4, pp. 71–81). Academic Press.
Barney, J. B. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17, 99–120.
BPS, B. P. S. (2023). Provinsi Jawa Timur Dalam Angka. https://jatim.bps.go.id/publication/download.html?nrbvfeve=NDQ2MDM2ZmJiNThkMzZiMDA5MjEyZGJj&xzmn=aHR0cHM6Ly9qYXRpbS5icHMuZ28uaWQvcHVibGljYXRpb24vMjAyMy8wMi8yOC80NDYwMzZmYmI1OGQzNmIwMDkyMTJkYmMvcHJvdmluc2ktamF3YS10aW11ci1kYWxhbS1hbmdrYS0yMDIzLmh0bWw%3D&twoadfnoarfeauf=MjAyMy0xMC0yNSAwNzowMTo1NQ%3D%3D
Chairul Hakim, K. (2020). Self Efficacy, Locus Of Control dan Kompetensi Serta Pengaruhnya Kepada Kinerja ( Studi Kasus Pengusaha UMKM di Kecamatan Darmaraja, Sumedang Barat). Jurnal Computech & Bisnis, 14(1), 52–57.
Ciszewska-Mlinaric, M., & Wasowska, A. (2015). Resource-Based View (RBV). International Management, 6. https://doi.org/https://doi.org/10.1002/9781118785317.weom060174
Darmawan, A., Sepriani, A., Bagis, F., & Rahmawati, D. V. (2021). Pengaruh Faktor Demografi, Locus of Control, Literasi Keuangan, dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM. Jurnal Ilmiah Akuntansi Dan Keuangan, 10(2), 170–180. https://journal.stieputrabangsa.ac.id/index.php/jiak/article/view/878
Diptyana, P., Rokhmania, N., & Herlina, E. (2022). Financial Literacy, Digital Literacy and Financing Preferences Role to Micro and Small Enterprises’ Performance. International Journal of Enterpreneurship and Business Development, 05(02), 346–358. file:///C:/Users/HP/Downloads/1785-Article Text-4932-1-10-20220403-1.pdf
Fajri, A., Indriyati, N., & Indriasih, D. (2021). Pengaruh Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja UMKM Batik di Kabupaten Tegal. Permana - Jurnal Perpajakan, Manajemen Dan Akuntansi, 13(1), 108–123. https://permana.upstegal.ac.id/index.php/permana/article/view/167
Fransisca, S., & Ie, M. (2023). Pengaruh Pendidikan Kewirausahaan dan Efikasi Diri terhadap Kinerja Bisnis UMKM di Jakarta Barat. Jurnal Manajerial Dan Kewirausahaan, 5(3). https://journal.untar.ac.id/index.php/JMDK/article/view/25426
Harvie, C. (2019). Micro-, Small- and Medium-Sized Enterprises (MSMEs): Challenges, Opportunities and Sustainability in East Asia. In Trade Logistics in Landlocked and Resources Cursed Asian Countries (pp. 155–174).
Herve, A., & Schmitt, C. (2022). Digitalization and Internationalization of Micro-Small, and Medium-Sized Enterprises: An Overall Conceptual Process. Journal of The International Council for Small Business, 3(4). https://doi.org/https://doi.org/10.1080/26437015.2022.2096514
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152.
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Mohd Sallem, N. R., Mohd Nasir, N. E., Mohd Nori, W. M. N., & CheKu Kassim, C. K. H. (2017). Small and Medium Enterprises: Critical Problems and Possible Solutions. International Business Management, 11(1), 47–52. https://www.researchgate.net/profile/Noor-Mohd-Nasir-3/publication/320163628_Small_and_Medium_Enterprises_Critical_Problems_and_Possible_Solutions/links/59d1ae7ba6fdcc181ad3b4e1/Small-and-Medium-Enterprises-Critical-Problems-and-Possible-Solutions.pdf
Pramod, P. V., & Ramachandran, R. (2023). The Enterpreneurial Self-Efficacy of Micro-Enterpreneurs: A Social Cognitive Perspective. Forum for Social Economics. https://doi.org/https://doi.org/10.1080/07360932.2023.2204204
Prasetyo, E., & Farida, F. (2022). Pengaruh E-Commerce, Pengetahuan Akuntansi, Budaya Organisasi dan Literasi Keuangan terhadap Kinerja UMKM. National Multidisciplinary Science, 370–383. http://proceeding.unmuhjember.ac.id/index.php/nms/article/view/102
Purwidianti, W., & Tubastuvi, N. (2019). The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 40–45. https://doi.org/10.15294/jdm.v10i1.16937
Putra, K. Y. D., & Arisena, G. M. K. (2023). Pengaruh Penggunaan E-Commerce, Locus of Control dan Inovasi terhadap Kinerja Bisnis Online. Agroinfo Galuh, 10(2). https://jurnal.unigal.ac.id/agroinfogaluh/article/view/9457
Putri, E., & Bandi. (2023). Financial Attitude, Marketing Strategy, Locus of Control and Self-Efficacy on MSME Performance. The International Journal of Business Management and Technology, 7(2), 465–477. https://www.theijbmt.com/archive/0950/1515874460.pdf
Ranatunga, R. V. S. P. ., Priyanath, H. M. S., & Megama, R. G. N. (2020). Digital Literacy, Business Uncertainty & Economic Performancec: An Empirical Study of Small Business in Sri Lanka. International Journal of Academic Research in Business & Social Sciences, 10(5), 51–76.
Riwayati, H. E. (2017). Financial Inclusion of Business Players in Mediating The Success of Small and Medium Enterprises in Indonesia. Interational Journal of Economics and Financial Issues, 7(4), 623–627. https://www.econjournals.com/index.php/ijefi/article/view/5208
Santos, J. B., & Brito, L. A. L. (2012). Toward a Subjective Measurement Model for Firm Performance. Brazilian Administration Review, 9(6), 95–117. https://doi.org/https://doi.org/10.1590/S1807- 76922012000500007
Sari, B. P., Rimbano, D., Marselino, B., Sandy, C. A., & Hairum, R. R. (2022). Determinasi Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja dan Keberlangsungan Usaha UMKM. Owner : Riset Dan Jurnal Akuntansi, 6(3), 2840–2849. http://owner.polgan.ac.id/index.php/owner/article/view/928
Schwab, L., Gold, S., & Reiner, G. (2019). Exploring Financial Sustainability of SMEs during Periods of Production Growth: A Simulation Study. International Journal of Production Economics, 212, 8–18. https://www.sciencedirect.com/science/article/abs/pii/S0925527318305012
Sharma, S., & Rautela, S. (2021). Enterpreneurial Resilience and Self-Efficacy during Global Crisis: Study of Small Business in a Developing Economy. Journal of Entrepreneurship in Emerging Economy, 14(6), 1369–1386. https://www.emerald.com/insight/content/doi/10.1108/JEEE-03-2021-0123/full/html
Tsuda, A., Tanaka, Y., & Matsuda, E. (2020). Locus of Control, Personality Correlates of. In The Wiley Encyclopedia of Personality and Individual Differences: Personality Processes and Individual Differences (pp. 281–285). Wiley. https://doi.org/https://doi.org/10.1002/9781119547174.ch225
Wernerfelt, B. (1984). A Resource-Based View of The Firm. Strategic Management Journal, 5, 171–180.
Www.surabaya.go.id. (2021, June 15). UMKM Surabaya Capai 60 Ribu Lebih, Ini Intervensi Pemkot Surabaya. Berita. https://surabaya.go.id/id/berita/60749/umkm-surabaya-capai-
Yanti, W. I. P. (2019). Pengaruh Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja UMKM di Kecamatan Moyo Utara. Jurnal Manajemen Dan Bisnis, 2(1). http://jurnal.uts.ac.id/index.php/jmb/article/view/305/253
Yusnita, M., Wardhani, R. S., Yunita, A., Noviyanti, I., & Khadijah, K. (2023). E-Mind, Financial Self-Efficacy dan Kinerja UMKM. Jembatan - Jurnal Ilmiah Manajemen, 20(1). https://ejournal.unsri.ac.id/index.php/jembatan/article/view/19888
ASEAN Secretariat, & UNCTAD. (2022). ASEAN Investment Report 2022 : Pandemic Recovery and Investment Facilitation. https://asean.org/book/asean-investment-report-2022/
Astuti, N. N. T., & Hidayah, K. (2022). Pengaruh Literasi Keuangan, Efikasi Diri, dan Kompetensi Kewirausahaan terhadap Keberhasilan Usaha Mikro Kecil di Sleman. Prosiding Seminar Nasional Akuntansi Bisnis Dan Manajemen (SNABM) I, 240–249. http://snabm.unim.ac.id/index.php/prosiding-snabm/article/view/34
Bahiu, E. L. U., Saerang, I. S., & Untu, V. N. (2021). Pengaruh Literasi Keuangan, Pengelolaan Keuangan terhadap Keuangan UMKM di Desa Gemeh Kabupaten Kepulauan Talaud. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 9(3). https://doi.org/https://doi.org/10.35794/emba.v9i3.36009
Bandura, A. (1977). Self-Efficacy: Toward a Unifying Theory of Behavioral Change. Psychological Review, 84, 191–215.
Bandura, A. (1994). Self-Efficacy. In Encyclopedia of Human Behavior (Vol. 4, pp. 71–81). Academic Press.
Barney, J. B. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17, 99–120.
BPS, B. P. S. (2023). Provinsi Jawa Timur Dalam Angka. https://jatim.bps.go.id/publication/download.html?nrbvfeve=NDQ2MDM2ZmJiNThkMzZiMDA5MjEyZGJj&xzmn=aHR0cHM6Ly9qYXRpbS5icHMuZ28uaWQvcHVibGljYXRpb24vMjAyMy8wMi8yOC80NDYwMzZmYmI1OGQzNmIwMDkyMTJkYmMvcHJvdmluc2ktamF3YS10aW11ci1kYWxhbS1hbmdrYS0yMDIzLmh0bWw%3D&twoadfnoarfeauf=MjAyMy0xMC0yNSAwNzowMTo1NQ%3D%3D
Chairul Hakim, K. (2020). Self Efficacy, Locus Of Control dan Kompetensi Serta Pengaruhnya Kepada Kinerja ( Studi Kasus Pengusaha UMKM di Kecamatan Darmaraja, Sumedang Barat). Jurnal Computech & Bisnis, 14(1), 52–57.
Ciszewska-Mlinaric, M., & Wasowska, A. (2015). Resource-Based View (RBV). International Management, 6. https://doi.org/https://doi.org/10.1002/9781118785317.weom060174
Darmawan, A., Sepriani, A., Bagis, F., & Rahmawati, D. V. (2021). Pengaruh Faktor Demografi, Locus of Control, Literasi Keuangan, dan Inklusi Keuangan terhadap Kinerja Keuangan UMKM. Jurnal Ilmiah Akuntansi Dan Keuangan, 10(2), 170–180. https://journal.stieputrabangsa.ac.id/index.php/jiak/article/view/878
Diptyana, P., Rokhmania, N., & Herlina, E. (2022). Financial Literacy, Digital Literacy and Financing Preferences Role to Micro and Small Enterprises’ Performance. International Journal of Enterpreneurship and Business Development, 05(02), 346–358. file:///C:/Users/HP/Downloads/1785-Article Text-4932-1-10-20220403-1.pdf
Fajri, A., Indriyati, N., & Indriasih, D. (2021). Pengaruh Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja UMKM Batik di Kabupaten Tegal. Permana - Jurnal Perpajakan, Manajemen Dan Akuntansi, 13(1), 108–123. https://permana.upstegal.ac.id/index.php/permana/article/view/167
Fransisca, S., & Ie, M. (2023). Pengaruh Pendidikan Kewirausahaan dan Efikasi Diri terhadap Kinerja Bisnis UMKM di Jakarta Barat. Jurnal Manajerial Dan Kewirausahaan, 5(3). https://journal.untar.ac.id/index.php/JMDK/article/view/25426
Harvie, C. (2019). Micro-, Small- and Medium-Sized Enterprises (MSMEs): Challenges, Opportunities and Sustainability in East Asia. In Trade Logistics in Landlocked and Resources Cursed Asian Countries (pp. 155–174).
Herve, A., & Schmitt, C. (2022). Digitalization and Internationalization of Micro-Small, and Medium-Sized Enterprises: An Overall Conceptual Process. Journal of The International Council for Small Business, 3(4). https://doi.org/https://doi.org/10.1080/26437015.2022.2096514
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152.
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Mohd Sallem, N. R., Mohd Nasir, N. E., Mohd Nori, W. M. N., & CheKu Kassim, C. K. H. (2017). Small and Medium Enterprises: Critical Problems and Possible Solutions. International Business Management, 11(1), 47–52. https://www.researchgate.net/profile/Noor-Mohd-Nasir-3/publication/320163628_Small_and_Medium_Enterprises_Critical_Problems_and_Possible_Solutions/links/59d1ae7ba6fdcc181ad3b4e1/Small-and-Medium-Enterprises-Critical-Problems-and-Possible-Solutions.pdf
Pramod, P. V., & Ramachandran, R. (2023). The Enterpreneurial Self-Efficacy of Micro-Enterpreneurs: A Social Cognitive Perspective. Forum for Social Economics. https://doi.org/https://doi.org/10.1080/07360932.2023.2204204
Prasetyo, E., & Farida, F. (2022). Pengaruh E-Commerce, Pengetahuan Akuntansi, Budaya Organisasi dan Literasi Keuangan terhadap Kinerja UMKM. National Multidisciplinary Science, 370–383. http://proceeding.unmuhjember.ac.id/index.php/nms/article/view/102
Purwidianti, W., & Tubastuvi, N. (2019). The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 40–45. https://doi.org/10.15294/jdm.v10i1.16937
Putra, K. Y. D., & Arisena, G. M. K. (2023). Pengaruh Penggunaan E-Commerce, Locus of Control dan Inovasi terhadap Kinerja Bisnis Online. Agroinfo Galuh, 10(2). https://jurnal.unigal.ac.id/agroinfogaluh/article/view/9457
Putri, E., & Bandi. (2023). Financial Attitude, Marketing Strategy, Locus of Control and Self-Efficacy on MSME Performance. The International Journal of Business Management and Technology, 7(2), 465–477. https://www.theijbmt.com/archive/0950/1515874460.pdf
Ranatunga, R. V. S. P. ., Priyanath, H. M. S., & Megama, R. G. N. (2020). Digital Literacy, Business Uncertainty & Economic Performancec: An Empirical Study of Small Business in Sri Lanka. International Journal of Academic Research in Business & Social Sciences, 10(5), 51–76.
Riwayati, H. E. (2017). Financial Inclusion of Business Players in Mediating The Success of Small and Medium Enterprises in Indonesia. Interational Journal of Economics and Financial Issues, 7(4), 623–627. https://www.econjournals.com/index.php/ijefi/article/view/5208
Santos, J. B., & Brito, L. A. L. (2012). Toward a Subjective Measurement Model for Firm Performance. Brazilian Administration Review, 9(6), 95–117. https://doi.org/https://doi.org/10.1590/S1807- 76922012000500007
Sari, B. P., Rimbano, D., Marselino, B., Sandy, C. A., & Hairum, R. R. (2022). Determinasi Literasi Keuangan dan Inklusi Keuangan terhadap Kinerja dan Keberlangsungan Usaha UMKM. Owner : Riset Dan Jurnal Akuntansi, 6(3), 2840–2849. http://owner.polgan.ac.id/index.php/owner/article/view/928
Schwab, L., Gold, S., & Reiner, G. (2019). Exploring Financial Sustainability of SMEs during Periods of Production Growth: A Simulation Study. International Journal of Production Economics, 212, 8–18. https://www.sciencedirect.com/science/article/abs/pii/S0925527318305012
Sharma, S., & Rautela, S. (2021). Enterpreneurial Resilience and Self-Efficacy during Global Crisis: Study of Small Business in a Developing Economy. Journal of Entrepreneurship in Emerging Economy, 14(6), 1369–1386. https://www.emerald.com/insight/content/doi/10.1108/JEEE-03-2021-0123/full/html
Tsuda, A., Tanaka, Y., & Matsuda, E. (2020). Locus of Control, Personality Correlates of. In The Wiley Encyclopedia of Personality and Individual Differences: Personality Processes and Individual Differences (pp. 281–285). Wiley. https://doi.org/https://doi.org/10.1002/9781119547174.ch225
Wernerfelt, B. (1984). A Resource-Based View of The Firm. Strategic Management Journal, 5, 171–180.
Www.surabaya.go.id. (2021, June 15). UMKM Surabaya Capai 60 Ribu Lebih, Ini Intervensi Pemkot Surabaya. Berita. https://surabaya.go.id/id/berita/60749/umkm-surabaya-capai-
Yanti, W. I. P. (2019). Pengaruh Inklusi Keuangan dan Literasi Keuangan terhadap Kinerja UMKM di Kecamatan Moyo Utara. Jurnal Manajemen Dan Bisnis, 2(1). http://jurnal.uts.ac.id/index.php/jmb/article/view/305/253
Yusnita, M., Wardhani, R. S., Yunita, A., Noviyanti, I., & Khadijah, K. (2023). E-Mind, Financial Self-Efficacy dan Kinerja UMKM. Jembatan - Jurnal Ilmiah Manajemen, 20(1). https://ejournal.unsri.ac.id/index.php/jembatan/article/view/19888
