PENGARUH TINGKAT LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU UMKM (STUDI KASUS UMKM KERAJINAN TANGAN DI KOTA PEKANBARU)

Fauziah Manurung; Henny  Indrawati; Mujiono

doi:10.23969/oikos.v7i2.8519

Authors

Fauziah Manurung Universitas Riau
Henny Indrawati
Mujiono

DOI:

https://doi.org/10.23969/oikos.v7i2.8519

Abstract

This study aims to determine the effect of financial literacy on the management of small and medium enterprises in the city of Pekanbaru. The research sample for handicraft SMEs in Pekanbaru city is 62 SMEs and the sample is taken using a purposive sampling technique. The characteristics of the sample are a minimum of five years of business and recorded financial transactions. Data for this study were collected using questionnaires distributed to respondents. The collected data were then analyzed using descriptive analysis and simple linear regression. Based on the results of the study, it shows that financial literacy has a significant effect on the financial management of handicraft SMEs in the city of Pekanbaru. These results indicate that the higher the level of financial literacy, the better financial management. Keywords: Financial Management, Financial LiteracyThis study aims to determine the effect of financial literacy on the management of small and medium enterprises in the city of Pekanbaru. The research sample for handicraft SMEs in Pekanbaru city is 62 SMEs and the sample is taken using a purposive sampling technique. The characteristics of the sample are a minimum of five years of business and recorded financial transactions. Data for this study were collected using questionnaires distributed to respondents. The collected data were then analyzed using descriptive analysis and simple linear regression. Based on the results of the study, it shows that financial literacy has a significant effect on the financial management of handicraft SMEs in the city of Pekanbaru. These results indicate that the higher the level of financial literacy, the better financial management.Keywords: Financial Management, Financial Literacy

Downloads

Download data is not yet available.

References

Anggraeni, B. D. (2016). Pengaruh Tingkat Literasi Keuangan Pemilik Usaha terhadap Pengeloaan Keuangan. Studi Kasus : UMKM Depok. Jurnal Program Vokasi Universitas Indonesia, 4(1), 43-50.

Aribawa, D. (2016). Pengaruh Literasi Keuangan terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1-13.

Caska, & Indrawati, H. (2019). How to Maintain Sustainability of Micro and Small Entreprises of Crispy Oil Palm Mushroom: A Case Study in Riau Province. Journal of Science and Technology Policy Management, 10(2), 431-456.

Ediraras, D. T. (2010). Akuntansi dan Kinerja UKM. Jurnal Ekonomi Bisnis, 15(2), 152-158.

Indrawati, H. (2017). Micro and Small Enterprises (MSEs): What are the Best Indicators ofTheir Performance? Proceedings of the 3nd International Conference on Economic Education and Enterpreneurship (ICEE), 309-314.

Indrawati, H. (2015). Financing Models for Sago Cake Makers in Supporting the Acceleration of Family Economic Improvement. Mediterranean Journal of Social Sciences, 6(6),310.

Indrawati, H., Caska, C., Setiaries, V., & Gimin, G. (2022). The Empowerment the producers of crispy oil palm mushrooms through a training on processing the home-based industry of food production permit and digital bookkeping, Riau Journal of Empowerment, 5(3), 137-147. https://doi.org/10.31258/raje.5.3.137-147.

Indrawati, H., Caska., & Suarman. (2020). Barriers to Technological Innovations of SMEs: How to Solve Them?. International Journal of Innovation Science, 12(5), 545-564.

Indrawati, H. (2022). Creating Competitive Advantage in the Riau Crispy Palm Oil Mushroom SMEs.In ICON 2021: Proceedings of the 1st International Conference on Economic and Education, ICON 2021,14-15 Desember 2021, Padang-West Sumatra, Indonesia (p.296) European Alliance for Innovation.

Isnawan, G. (2012). Akuntansi Praktis untuk UMKM. Jakarta: Laskar Aksara.

Juliandini, A., Syahza., A., & Indrawati, H. (2017). Strategi Pengembangan Usaha Kue Kering pada UMKM Berkah Kota Pekanbaru. Jom, 4(2), 1-12.

Kasmir. (2010). Pengantar Manajemen Keuangan Edisi Kedua. Jakarta: Kencana.

Masri, F., Indrawati, H., & Caska, C. (2022). The Effect of Social Support and Entrepreneurship Attitude to the Entrepreneurship Intention of Economic Education Students of Riau University. Pekbis, 14(2), 80-93.

Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017),https://www.ojk.go.id/id/beritadankegiatan/publikasi/Documents/Pages/Strategi-Nasional-LiterasiKeuangan-Indonesia-(Revisit-2017)/SNLKI%20(Revisit%202017).pdf diakses pada 22 Agustus 2020 pukul 15.31.

Roestanto, A. (2017). Literasi Keuangan. Yogyakarta: Istana Media.

Saputri, M. A. (2019). Pengaruh Tingkat Literasi Keuangan terhadap Pengelolaan Keuangan pada Pelaku UMKM Kecamatan Mojolaban Kabupaten Sukoharjo. Skripsi, Program Studi Perbankan Syariah Institut Agama Islam Negeri Surakarta.

Sitohang, M. L. S., Indrawati, H., & Caska, C. (2022). Pengaruh Orientasi Kterhadap Kinerja UMKM Kue di Kota Pekanbaru. Pekbis, 14(2), 108-116.

Soleha, P., Indrawati, H., & Caska, C. (2022). Pengaruh Inovasi Produk Terhadap Keunggulan Bersaing Usaha Makanan OLahan Sagu di Kecamatan Tebing Tinggi Kabupaten Kepulauan Meranti. Pekbis, 14(2), 71-79.

Sumarwati, E. D., & Rachman, A. N. (2019). Analisis Faktor-Faktor yang Mempengaruhi Kinerja UMKM (Studi Kasus UMKM Perempuan di Kabupaten Sukoharjo). Indonusa Conference on Technology and Social Science, 242-250.

Wahyuni,D.,Caska, C., & Indrawati H.(2019). Analysis of education Levels of Business Owner and Factors ffecting Business Success in Sago-Based UMKM in Kepulauan Meranti Regency. Journal of Educational Sciences, 3(2),216-226.

Warsono. (2010). Prinsip-Prinsip dan Praktik Keuangan Pribadi. Journal of Science, 13(2), 137–151.

Yeni, J., Indrawati, H., & Caska. (2022). Pengaruh Jiwa Kewirausahaan dan Kreativitas Terhadap Keberhasilan Usaha Industri Kecil Kue di Kota Pekanbaru. Pekbis, 14(2), 129-137.

Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, 6(1), 11-16.

Zahriyan, M. Z. (2012). Pengaruh Literasi Keuangan dan Sikap terhadap Uang pada Perilaku Pengelolaan Keuangan Keluarga. Journal of Business and Banking, 1, 1–10.