Pengaruh Literasi Keuangan dan Akses Layanan Keuangan terhadap Kinerja UMKM dengan Perilaku Pengelolaan Keuangan sebagai Variabel Intervening pada UMKM di Bandung
DOI:
https://doi.org/10.38035/jim.v5i1.1823Keywords:
Literasi Keuangan, Akses Keuangan, Perilaku Pengelolaan Keuangan, Kinerja UMKM, SEM-PLSAbstract
Tidak banyak orang yang tahu tentang keuangan dan tidak memiliki akses ke layanan keuangan formal, yang menyebabkan perbedaan antara jumlah UMKM dan kontribusi ekonominya. Tujuan dari penelitian ini adalah untuk melihat bagaimana literasi keuangan dan akses keuangan berdampak pada kinerja usaha kecil dan menengah (UMKM) di Bandung; perilaku pengelolaan keuangan digunakan sebagai variabel intervensi. Penelitian kuantitatif verifikatif ini menggunakan pendekatan SEM-PLS pada sampel 292 pelaku UMKM. Hasilnya menunjukkan bahwa literasi dan akses keuangan meningkatkan kinerja UMKM, tetapi perilaku pengelolaan keuangan yang sepenuhnya bertanggung jawab atas efek ini. Hasilnya menunjukkan bahwa pengetahuan dan kemudahan hanya dapat digunakan dalam praktik pengelolaan keuangan yang nyata. Singkatnya, untuk meningkatkan kinerja UMKM, diperlukan pendekatan terpadu yang tidak hanya berkonsentrasi pada pendidikan dan akses, tetapi juga mendorong perilaku keuangan yang disiplin melalui pendampingan berkelanjutan.
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