PENGARUH LITERASI KEUANGAN DAN MITIGASI RISIKO TERHADAP KEBERLANGSUNGAN UMKM DI KOTA JAMBI
Keywords:
Financial Literacy, Risk Mitigation, Business Continuity
Abstract
MSMEs have a large contribution to regional income and state income, play a role in reducing the unemployment rate because of their labor-intensive nature, this business can absorb a lot of workers. Micro, Small and Medium Enterprises (MSMEs) can improve the standard of living of many people. The research aims to determine and analyze the influence of financial literacy and risk mitigation on the sustainability of MSMEs. Using quantitative methods of data analysis, Determinant Coefficient Test. The sample taken was 96 respondents who were MSMEs in Jambi City. Financial Literacy and Risk Mitigation together have a significant effect on sustainability. It is proven that the adjusted R square value (coefficient of determination) is 0.443 or 44%. Shows that the influence of Financial Literacy and Risk Mitigation on the Sustainability of MSMEs has an influence of 44% and the remaining 56% is influenced by other variables outside this research.
References
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Nengsih, Titin Agustin. “Analisis Minat Masyarakat Terhadap Baitul Mal Watamwil di Kota Jambi” 13, no. 1 (2013).
Pusporini, Pusporini. “Pengaruh Tingkat Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Pelaku Umkm Kecamatan Cinere, Depok.” Jurnal Ilmu Manajemen Terapan 2, no. 1 (September 22, 2020): 58–69. https://doi.org/10.31933/jimt.v2i1.315.
Putra, I Putu Santika, Herliana Ananingtiyas, Dea Rachmalita Sari, Aninda Sandra Dewi, and Mellyza Silvy. “Pengaruh tingkat literasi keuangan, experienced regret, dan risk tolerance pada pemilihan jenis investasi.” Journal of Business & Banking 5, no. 2 (March 13, 2016): 271. https://doi.org/10.14414/jbb.v5i2.707.
Wilda Yulia Rusyida. “Pengaruh Kemampuan Manajerial, Literasi Keuangan, dan Mitigasi Risiko Terhadap Keberlangsungan Usaha UMKM.” Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan 1, no. 1 (December 3, 2022): 01–19. https://doi.org/10.58192/wawasan.v1i1.181.
Abdul Haq, Et Al. Formulasi Nalar Fiqih Telaah Kaidah Fiqh Konseptual. 1.
Firmansyah, M. Anang. (2018). Perilaku Kosumen (Sikap Dan Pemasaran). Yogyakarta: Deepublish
Ghozali, Imam, (2018). Aplikasi Analisis Multivariate Dengan Program Ibm Spss. Semarang: Badan Penerbit Universitas Diponegoro.
Rita, Rio, And Santoso. (2015). “Literasi Keuangan Dan Perencanaan Keuangan Pada Dana Pendidikan Anak,”
Sugiyono. (2022). Metode Penelitian: Kuantitatif, Kualitatif Dan R&D. Bandung: Alfabeta.
Wahyudi, Imam. (2013). Manajemen Risiko Bank Islam. Jakarta: Salemba Empat.
Jurnal
Adnan, Nadia, Shahrina Md Nordin, Imran Rahman, and Amir Noor. “Adoption of Green Fertilizer Technology among Paddy Farmers: A Possible Solution for Malaysian Food Security.” Land Use Policy 63 (April 2017): 38–52. https://doi.org/10.1016/j.landusepol.2017.01.022.
Ambrosini, Véronique, Cliff Bowman, and Nardine Collier. “Dynamic Capabilities: An Exploration of How Firms Renew Their Resource Base.” British Journal of Management 20, no. s1 (March 2009). https://doi.org/10.1111/j.1467-8551.2008.00610.x.
Anggara, Rari, and I Gusti Ayu Purnamawati. “Pengaruh Literasi Keuangan Dan Akses Permodalan Terhadap Keberlangsungan UMKM Di Kecamatan Karangasem.” JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha 14, no. 03 (October 2, 2023): 549–58. https://doi.org/10.23887/jimat.v14i03.62169.
Anggraeni, Birawani D. “Pengaruh Tingkat Literasi Keuangan Pemilik Usaha Terhadap Pengeloaan Keuangan. Studi Kasus : Umkm Depok.” Jurnal Vokasi Indonesia 4, no. 1 (September 30, 2016). https://doi.org/10.7454/jvi.v4i1.50.
Aribawa, Dwitya. “Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah.” Jurnal Siasat Bisnis 20, no. 1 (January 2016): 1–13. https://doi.org/10.20885/jsb.vol20.iss1.art1.
Barney, Jay, Mike Wright, and David J. Ketchen. “The Resource-Based View of the Firm: Ten Years after 1991.” Journal of Management 27, no. 6 (December 2001): 625–41. https://doi.org/10.1177/014920630102700601.
Bebbington, Jan, and Ian Thomson. “Sustainable Development, Management and Accounting: Boundary Crossing.” Management Accounting Research 24, no. 4 (December 2013): 277–83. https://doi.org/10.1016/j.mar.2013.09.002.
Bosma, Niels. “The Global Entrepreneurship Monitor (GEM) and Its Impact on Entrepreneurship Research.” Foundations and Trends® in Entrepreneurship 9, no. 2 (2013): 143–248. https://doi.org/10.1561/0300000033.
Dermawan, Tomi. “Jurusan Ilmu Ekonomi Fakultas Ekonomi Dan Bisnis Universitas Brawijaya Malang,” n.d.
Fachrunnisa, Olivia. “Jurnal Ilmu Manajemen Volume 4 Nomor 2 – Jurusan Manajemen Fakultas Ekonomi Universitas Negeri Surabaya” 5 (2017).
Guenther, Edeltraud, Jan Endrikat, and Thomas W. Guenther. “Environmental Management Control Systems: A Conceptualization and a Review of the Empirical Evidence.” Journal of Cleaner Production 136 (November 2016): 147–71. https://doi.org/10.1016/j.jclepro.2016.02.043.
Hansen, Gary S., and Birger Wernerfelt. “Determinants of Firm Performance: The Relative Importance of Economic and Organizational Factors.” Strategic Management Journal 10, no. 5 (September 1989): 399–411. https://doi.org/10.1002/smj.4250100502.
Harahap, Samsul Bahry, Yuserizal Bustami, and Syukrawati Syukrawati. “Pengaruh Literasi Keuangan Terhadap Minat Investasi Saham Syariah: Studi Kasus Galeri Investasi Syariah Iain Kerinci.” Al Fiddhoh: Journal of Banking, Insurance, and Finance 2, no. 2 (October 25, 2021): 75–82. https://doi.org/10.32939/fdh.v2i2.955.
Horn, Christian, and Alexander Brem. “Strategic Directions on Innovation Management – a Conceptual Framework.” Management Research Review 36, no. 10 (September 6, 2013): 939–54. https://doi.org/10.1108/MRR-06-2012-0142.
Idawati, Ida Ayu Agung, and I Gede Surya Pratama. “Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar.” Warmadewa Management and Business Journal (WMBJ) 2, no. 1 (March 4, 2020): 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9.
Kojo Oseifuah, Emmanuel. “Financial Literacy and Youth Entrepreneurship in South Africa.” Edited by Robert Rugimbana. African Journal of Economic and Management Studies 1, no. 2 (February 1, 2010): 164–82. https://doi.org/10.1108/20400701011073473.
Lerner, Miri, and Tamar Almor. “Relationships among Strategic Capabilities and the Performance of Women-Owned Small Ventures.” Journal of Small Business Management 40, no. 2 (April 2002): 109–25. https://doi.org/10.1111/1540-627X.00044.
Mulyadi, Mohammad. “Penelitian Kuantitatif Dan Kualitatif Serta Pemikiran Dasar Menggabungkannya.” Jurnal Studi Komunikasi dan Media 15, no. 1 (August 26, 2013): 128. https://doi.org/10.31445/jskm.2011.150106.
Nengsih, Titin Agustin. “Analisis Minat Masyarakat Terhadap Baitul Mal Watamwil di Kota Jambi” 13, no. 1 (2013).
Pusporini, Pusporini. “Pengaruh Tingkat Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Pelaku Umkm Kecamatan Cinere, Depok.” Jurnal Ilmu Manajemen Terapan 2, no. 1 (September 22, 2020): 58–69. https://doi.org/10.31933/jimt.v2i1.315.
Putra, I Putu Santika, Herliana Ananingtiyas, Dea Rachmalita Sari, Aninda Sandra Dewi, and Mellyza Silvy. “Pengaruh tingkat literasi keuangan, experienced regret, dan risk tolerance pada pemilihan jenis investasi.” Journal of Business & Banking 5, no. 2 (March 13, 2016): 271. https://doi.org/10.14414/jbb.v5i2.707.
Wilda Yulia Rusyida. “Pengaruh Kemampuan Manajerial, Literasi Keuangan, dan Mitigasi Risiko Terhadap Keberlangsungan Usaha UMKM.” Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan 1, no. 1 (December 3, 2022): 01–19. https://doi.org/10.58192/wawasan.v1i1.181.
Published
2024-07-01
How to Cite
Muhammad Irham, Agustina Mutia, & Fauzan Ramli. (2024). PENGARUH LITERASI KEUANGAN DAN MITIGASI RISIKO TERHADAP KEBERLANGSUNGAN UMKM DI KOTA JAMBI. E-Bisnis : Jurnal Ilmiah Ekonomi Dan Bisnis, 17(1), 52-67. https://doi.org/10.51903/e-bisnis.v17i1.1707
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