PENGARUH INKLUSI DAN LITERASI KEUANGAN TERHADAP KINERJA USAHA DENGAN KEBERLANJUTAN USAHA SEBAGAI VARIABEL INTERVENING PADA SEKTOR USAHA UMKM DI KOTA DEPOK

Endah Finatariani, Iin Rosini, Nofriyanti Nofriyanti
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Abstract

In Depok City, the MSME (Micro, Small and Medium Enterprises) business sector plays an important role in the local economy. However, most MSMEs in the city still face various challenges, including financial access issues and low financial literacy levels. Therefore, financial inclusion and financial literacy have the potential to have a positive impact on the business performance of MSMEs in Depok City. This study aims to test and analyze the effect of financial inclusion and financial literacy with business sustainability as an intervening variable in the MSME business sector in Depok City. This study involved MSME players in Depok City using the Non Probability sampling method with a population of 7911 which was processed using the Slovin formula into 100 research samples. The data were processed using the Partial Least Square- Structural Equation Modeling (PLS-SEM) method. This type of research is quantitative research, using primary data, the findings report that Financial Inclusion affects the Performance and Sustainability of MSME Businesses, Financial Literacy affects the Performance and Sustainability of MSME Businesses, as evidenced by Business Sustainability being able to mediate Financial Inclusion on MSME Performance and Business Sustainability being able to mediate Financial Literacy on MSME Performance. This can be a reference for MSME players to realize the importance of access to banking services to get the best results. finance so that it can improve the performance of MSMEs and their Business Sustainability. Based on the results of this study, many MSMEs continue to survive in their business activities, it is proven that they are able to survive for more than 5 years in Depok City.
金融包容性和扫盲对企业绩效的影响,以企业可持续性作为德波克市umkm企业部门的干预变量
在德博市,中小微企业(MSME)在当地经济中发挥着重要作用。然而,该市大多数中小微企业仍面临着各种挑战,包括资金获取问题和金融知识水平较低。因此,普惠金融和金融知识普及有可能对德波市中小微企业的经营业绩产生积极影响。本研究旨在测试和分析金融包容性和金融扫盲对德波克市中小微企业业务部门的影响,并将业务可持续性作为干预变量。本研究采用非概率抽样法对德波市的微小中型企业进行抽样调查,抽样人口为 7911 人,使用斯洛文公式将其处理为 100 个研究样本。数据采用偏最小平方结构方程模型(PLS-SEM)方法进行处理。这类研究属于定量研究,使用的是原始数据,研究结果表明,金融包容性影响中小微企业的绩效和可持续性,金融扫盲影响中小微企业的绩效和可持续性,具体表现为企业可持续性能够调解金融包容性对中小微企业绩效的影响,企业可持续性能够调解金融扫盲对中小微企业绩效的影响。这可以为中小微企业提供参考,使其认识到获得银行服务的重要性,从而获得最佳结果。根据本研究的结果,许多中小微企业在其商业活动中继续生存,事实证明它们能够在德波克市生存 5 年以上。
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