PENGARUH LITERASI KEUANGAN DAN LITERASI DIGITAL TERHADAP KINERJA UMKM KOTA BIMA

Nurul Huda, Aliah Pratiwi, Aris Munandar

Abstract


ABSTRACT


This study aims to see whether Financial Literacy and Digital Literacy affect the performance of MSMEs in Bima City. This research was conducted on MSMEs in Bima City. This study used a quantitative research method. The research object used is UMKM in Bima City. The number of MSMEs currently registered in Bima City is 5,868 MSMEs. The sampling method uses simple random sampling with a purposive sampling technique with the criteria of MSMEs that are still actively running their business in the year of research, MSMEs that have used recording applications in running their business and use social media as promotional media. Data collection techniques are carried out by means of observation, documentation, interviews, and questionnaires. The questionnaire was distributed to 100 MSMEs that have implemented digital applications. The data analysis technique uses the Classical Assumption Test, Multiple Linear Regression Analysis, t-test and F-test. The results show that financial literacy has no significant effect on the performance of UMKM in Bima City, while digital literacy has a significant effect on the performance of UMKM in Bima City.
Keywords : Financial Literacy, Digital Literacy, MSME Performance


References


Amelia, S. R., Fitriana, A., & Akbar, D. (2022). Jurnal E-Bis : Ekonomi Bisnis Literasi Digital Dan Literasi Keuangan Wirausaha Wanita Dalam Pengelolaan Bisnis Online Pada Pertumbuhan Ekonomi Daerah Kabupaten. 6(2), 426–437.

Firmansyah, D., Suryana, A., Rifa’i, A. A., & Dr, D. (2022). Pmd (Pelatihan Media Digital) Sektor Usaha Mikro Dan Kecil Handycraft Bambu Di Kaa Sukabumi Guna Meningkatkan Pemasaran Online Berbasis Marketplace Di Era Ekonomi Digital. Jurnal Pengabdian Kepada Masyarakat, 1(10), 2805–2816.

Garzoni, A., De Turi, I., Secundo, G., & Del Vecchio, P. (2020). Fostering digital transformation of SMEs: a four levels approach. Management Decision, 58(8), 1543–1562. https://doi.org/10.1108/MD-07-2019-0939

Hasibuan, R. R., & Pratiwi, A. R. (2021). Anteseden Repurchase Intention Aplikasi Shopee Dengan Kepuasan Sebagai Variabel Mediasi Di Kabupaten Banyumas. Tirtayasa Ekonomika, 16(2), 253. https://doi.org/10.35448/jte.v16i2.10514

Iko Putri Yanti, W. (2019). Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Umkm Di Kecamatan Moyo Utara. Jurnal Manajemen Dan Bisnis, 2(1). https://doi.org/10.37673/jmb.v2i1.305

Octavina, L., & Rita, M. (2021). Digitalisasi umkm, literasi keuangan, dan kinerja keuangan : Studi pada masa pandemi Covid-19. STIE Perbanas Press 2021, 11, 73–92. https://doi.org/10.14414/jbb.v11i1.2552

Rosa, Y. Del, Idwar, I., & Abdilla, M. (2022). Literasi Keuangan dan Literasi Digital UMKM Kuliner Kota Padang Sebagai Penggerak Pemulihan Ekonomi Masa Pandemi Global Covid 19. Jurnal Ekonomi Dan Bisnis Dharma Andalas, 24(1), 242–258. https://doi.org/10.47233/jebd.v24i1.352

Septiani, R. N., & Wuryani, E. (2020). Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja Umkm Di Sidoarjo. E-Jurnal Manajemen Universitas Udayana, 9(8), 3214. https://doi.org/10.24843/ejmunud.2020.v09.i08.p16

Sumelka, W. (2016). Fractional calculus for continuum mechanics - Anisotropic non-locality. Bulletin of the Polish Academy of Sciences: Technical Sciences, 64(2), 361–372. https://doi.org/10.1515/bpasts-2016-0041

Sugiyono. (2016). Metode Penelitian Kuantitatif Kualitatif Dan R&D. Alfabeta.

Tahir, T., Ihsan Said Ahmad, M., Rijal, S., & Hasan, M. (2021). Perilaku Berwirausaha UMKMSektor Kuliner dalam PerspektifLiterasi Digital. Proceeding Seminar Nasional Teknologi Pendidikan, 1 no 8, 144–154.

Zahro, E. K. (2019). Kemampuan Literasi Digital untuk Meningkatkan Keuntungan Usaha pada Kalangan Pelaku Usaha Skala Kecil di Kota Surabaya.




DOI: https://doi.org/10.46576/bn.v6i1.3324

Article Metrics

Abstract view : 908 times
PDF (Bahasa Indonesia) – 741 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Bisnis-Net Jurnal Ekonomi dan Bisnis

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Jurnal Bisnis Net Terindeks pada:

   

Member Of: 

BISNIS NET : JURNAL EKONOMI DAN BISNIS Published By :
FAKULTAS EKONOMI DAN BISNIS
UNIVERSITAS DHARMAWANGSA

Alamat : Jl. K. L. Yos Sudarso No. 224 Medan
Kontak : Tel. 061 6635682 - 6613783  Fax. 061 6615190
Surat Elektronik : jurnal_bisnisnet@dharmawangsa.ac.id

 

 Creative Commons License

Bisnis Net : Jurnal Ekonomi dan Bisnis By Universitas Dharmawangsa is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Based on a work at
 http://jurnal.dharmawangsa.ac.id/index.php/bisnet/index