ANTESEDEN DAN KONSEKUENSI DARI FINANCIAL LITERACY DI DALAM MENINGKATKAN KINERJA UMKM DI JABODETABEK
Abstract
Penelitian ini bertujuan untuk menguji pengaruh dari human capital dan sosial capital terhadap financial literacy dan access to finance serta pengaruh dari access to finance terhadap kinerja UMKM. Penelitian kausalitas adalah disain penelitian yang digunakan yaitu menguji dan menganalisis pengaruh dari variabel-variabel yang mempengaruhi variabel dependen yaitu kinerja UMKM. Variabel penelitian terdiri dari dua variabel independen (human capital dan social capital), dua variabel mediasi (financial (literacy dan access to finance), kinerja UMKM sebagai variabel dependen serta dua variabel kontrol yaitu umur perusahaan dan ukuran perusahaan. Purposive sampling merupakan metode penarikan sampel yang digunakan dengan kriteria responden adalah pemilik UMKM dan sudah beroperasi minimal 1 tahun. Jumlah sampel yang digunakan 191 responden UMKM di Jabodetabek dengan menggunakan alat analisis SEM. Hasil temuan menunjukkan human capital tidak terbukti berpengaruh positif terhadap financial literacy sementara social capital terbukti berpengaruh positif terhadap financial literacy, human capital dan social capiatl tidak terbukti berpengaruh positif terhadap access to finance, variabel kontrol umur perusahaaan dan ukuran perusahaan terbukti berpengaruh positif terhadap access to finance dan access to finance terbukti mempengaruhi kinerja UMKM secara positif.
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