Effect of Financial Inclusion and Financial Literacy on the Financial Performance of Micro, Small, and Medium Enterprises in Ambon City

Restia Christianty, Conchita V. Latupapua, Syarifa Assyatri

Abstract


The purpose of this research is effect of financial inclusion and financial literacy on the financial performance of Micro, Small, and Medium Enterprises in Ambon City. The type of research used is a quantitative research method. The population in this study is the perpetrators of Micro, Small, and Medium Enterprises in Ambon City who are registered with the cooperatives service with a total of 19,783 micro, small, and medium enterprises actors. So the research sample is 100 respondents. The method of analysis in this study uses multiple linear regression analysis. The results of the study show that financial inclusion has a positive and significant effect on financial performance. Financial literacy has a positive and significant effect on financial performance.


Keywords


financial inclusion; financial literacy; financial performance

Full Text:

PDF

References


Aribawa, Dwitya. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1).

Asyraini, Siti, Fristy, Poppy, Octiva, Cut Susan, Nasution, M. Hafiz Akbar, & Nursidin, M. (2022). Peningkatan Kesadaran Protokol Kesehatan di Masa Pandemi Bagi Warga di Desa Selamat Kecamatan Biru-biru. Jurnal Pengabdian Kontribusi (Japsi), 2(1), 33-36.

Hadad, Muliaman D. (2010). Financial Techonology (Fintech) di Indonesia. Jakarta: Otoritas Jasa Keuangan.

Jibril, Ahmad, Cakranegara, Pandu Adi, Putri, Raudya Setya Wismoko, & Octiva, Cut Susan. (2022). Analisis Efisiensi Kerja Kompresor pada Mesin Refrigerasi di PT. XYZ. Jurnal Mesin Nusantara, 5(1), 86-95.

Octiva, Cut Susan. (2018). Pengaruh Pengadukan pada Campuran Limbah Cair Pabrik Kelapa Sawit dan Tandan Kosong Kelapa Sawit terhadap Produksi Biogas. Tesis. Medan: Fakultas Teknik, Program Studi Teknik Kimia, Universitas Sumatera Utara. https://repositori.usu.ac.id/bitstream/handle/123456789/12180/157022002.pdf?sequence=1&isAllowed=y.

Octiva, C. S., Irvan, Sarah, M., Trisakti, B., & Daimon, H. (2018). Production of Biogas from Co-digestion of Empty Fruit Bunches (EFB) with Palm Oil Mill Effluent (POME): Effect of Mixing Ratio. Rasayan J. Chem., 11(2), 791-797.

Octiva, Cut Susan, Indriyani, & Santoso, Ari Beni. (2021). Effect of Stirring Co-digestion of Palm Oil and Fruith for Biogas Production to Increase Economy Benefit. Budapest International Research and Critics Institute-Journal, 4(4), 14152-14160. DOI: https://doi.org/10.33258/birci.v4i4.3521.

Pandia, S., Tanata, S., Rachel, M., Octiva, C., & Sialagan, N. (2018). Effect of Fermentation Time of Mixture of Solid and Liquid Wastes from Tapioca Industry to Percentage Reduction of TSS (Total Suspended Solids). IOP Conference Series: Materials Science and Engineering, 309, 012086. DOI: 10.1088/1757-899X/309/1/012086.

Pandiangan, Saut Maruli Tua. (2015). Analisis Lama Mencari Kerja Bagi Tenaga Kerja Terdidik di Kota Medan. Skripsi. Medan: Fakultas Ekonomi dan Bisnis, Program Studi Ekonomi Pembangunan, Universitas Sumatera Utara. https://www.academia.edu/52494724/Analisis_Lama_Mencari_Kerja_Bagi_Tenaga_Kerja_Terdidik_di_Kota_Medan.

Pandiangan, Saut Maruli Tua. (2018). Analisis Faktor-faktor yang Mempengaruhi Penawaran Tenaga Kerja Lanjut Usia di Kota Medan. Tesis. Medan: Fakultas Ekonomi dan Bisnis, Program Studi Ilmu Ekonomi, Universitas Sumatera Utara. http://repositori.usu.ac.id/bitstream/handle/123456789/10033/167018013.pdf?sequence=1&isAllowed=y.

Pandiangan, Saut Maruli Tua, Rujiman, Rahmanta, Tanjung, Indra I., Darus, Muhammad Dhio, & Ismawan, Agus. (2018). An Analysis on the Factors which Influence Offering the Elderly as Workers in Medan. IOSR Journal of Humanities and Social Science (IOSR-JHSS), 23(10), 76-79. DOI: 10.9790/0837-2310087679. http://www.iosrjournals.org/iosr-jhss/papers/Vol.%2023%20Issue10/Version-8/K2310087679.pdf.

Pandiangan, Saut Maruli Tua, Resmawa, Ira Ningrum, Simanjuntak, Owen De Pinto, Sitompul, Pretty Naomi, & Jefri, Riny. (2021). Effect of E-Satisfaction on Repurchase Intention in Shopee User Students. Budapest International Research and Critics Institute-Journal, 4(4), 7785-7791. DOI: https://doi.org/10.33258/birci.v4i4.2697.

Pandiangan, Saut Maruli Tua, Oktafiani, Fida, Panjaitan, Santi Rohdearni, Shifa, Mutiara, & Jefri, Riny. (2022). Analysis of Public Ownership and Management Ownership on the Implementation of the Triple Bottom Line in the Plantation Sector Listed on the Indonesia Stock Exchange. Budapest International Research and Critics Institute-Journal, 5(1), 3489-3497. DOI: https://doi.org/10.33258/birci.v5i1.4016.

Pandiangan, Saut Maruli Tua. (2022). Effect of Packaging Design on Repurchase Intention to the Politeknik IT&B Medan Using E-Commerce Applications. Journal of Production, Operations Management and Economics (JPOME), 2(1), 15–21. http://journal.hmjournals.com/index.php/JPOME/article/view/442.

Rudianto. (2017). Pengantar Akuntansi. Jakarta: Erlangga.

Sanistasya. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur.

Tobing, Murniati, Afifuddin, Sya’ad, Rahmanta, Huber, Sandra Rouli, Pandiangan, Saut Maruli Tua, & Muda, Iskandar. (2018). An Analysis on the Factors Which Influence the Earnings of Micro and Small Business: Case at Blacksmith Metal Industry. Academic Journal of Economic Studies, 5(1), 17-23. https://www.ceeol.com/search/article-detail?id=754945.

Wahyudiati, D. (2017). Pengaruh Aspek Keuangan dan Kompetensi Sumber Daya Manusia (SDM) Terhadap Kinerja Usaha Mikro Kecil dan Menengah (UMKM) di Desa Kasongan. Skripsi.

Yanti, W. I. P. (2019). Pengaruh Inklusi Keuangan dan Literasi Keuangan Terhadap Kinerja UMKM di Kecamatan Moyo Utara. Jurnal Manajemen dan Bisnis, 2(1).




DOI: https://doi.org/10.33258/birci.v5i3.5966

Article Metrics

Abstract view : 51 times
PDF - 78 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.