The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan

Poppy Alvianolita Sanistasya; Kusdi Raharjo; Mohammad Iqbal

doi:10.21831/economia.v15i1.23192

The Effect of Financial Literacy and Financial Inclusion on Small Enterprises Performance in East Kalimantan

Poppy Alvianolita Sanistasya, Brawijaya University, Indonesia
Kusdi Raharjo, Brawijaya University, Indonesia
Mohammad Iqbal, Brawijaya University, Indonesia

10.21831/economia.v15i1.23192

Abstract

Abstract

The aim of this paper is to find out the effect of financial literacy on enterprises (SEs) performance and the effect of financial inclusion on small enterprises (SEs) performance. This research is an explanatory research. The sample includes 100 SEs in East Kalimantan. The sample is gathered by using non probability sampling technique. By implementing census approach the data is gathered from all SEs in East Kalimantan. This study was a quantitative approach and data were analyzed using PLS (Partial Least Square). The unit of level analysis is the SEs business players in East Kalimantan. The results showed a positive and significant effect of financial literacy on enterprises (SEs) performance and, financial inclusion positively affects the performance of small enterprises (SEs).

Keywords: financial literacy, financial inclusion, small enterprises performance

Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur

Abstrak

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap kinerja usaha kecil, dan pengaruh inklusi keuangan terhadap kinerja usaha kecil. Jenis penelitian ini adalah penelitian explanatory. Sampel penelitian adalah 100 UMKM yang ada di Kalimantan Timur. Sampel dikumpulkan menggunakan teknik non probability sampling dengan pendekatan sensus yaitu mengambi seluruh UMKM yang beroperasi di Kalimantan Timur untuk dijadikan sampel dan dilakukan pengujian untuk menjawab isu penelitian yang diangkat. Penelitian ini bersifat kuantitatif dan menggunakan alat analisis PLS (Partial Least Square). Level unit analisis penelitian ini adalah pelaku usaha kecil di Kalimantan Timur. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh secara signifikan terhadap kinerja usaha kecil dan inklusi keuangan memiliki pengaruh signifikan terhadap kinerja usaha kecil.

Kata kunci: literasi keuangan, inklusi keuangan, kinerja usaha kecil

Keywords

Financial literacy; financial inclusion; small enterprises performance

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DOI: https://doi.org/10.21831/economia.v15i1.23192