PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINTECH TERHADAP KEBERLANGSUNGAN BISNIS UMKM
DOI:
https://doi.org/10.35145/procuratio.v10i4.2700Keywords:
Financial Literacy, Financial Inclusion, Fintech, Business Sustainability, SMEs, Literasi Keuangan, Inklusi Keuangan, Keberlangsungan Bisnis, UMKMAbstract
This study aims to analyze the effect of financial literacy, financial inclusion, and fintech on business continuity in the City and District of Magelang. This type of research is quantitative research with the survey method. Sampling used purposive sampling, with a total sample of 450 SMEs in the city and district of Magelang. The analysis tool is in the form of multiple linear regression with the help of SPSS software. The results of this study indicate that: 1) Financial literacy has a positive and significant effect on the sustainability of SMEs; 2). Financial inclusion affects the sustainability of SMEs; 3) Fintech has no effect on the sustainability of SMEs. These findings add to the literature and present implications for stakeholders to initiate programs that support the sustainability of SMEs' businesses.
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inklusi keuangan, dan fintech terhadap keberlangsungan usaha di Kota dan Kabupaten Magelang. Jenis penelitian ini adalah penelitian kuantitatif dengan metode survei. Sampling menggunakan purposive sampling dengan jumlah sampel sebanyak 450 UMKM di Kota dan Kabupaten Magelang. Alat analisis berupa regresi linear berganda dengan bantuan software SPSS. Hasil penelitian ini menunjukkan bahwa: 1). Literasi keuangan berpengaruh positif dan signifikan terhadap keberlangsungan usaha UMKM, 2). Inklusi keuangan berpengaruh terhadap keberlangsungan usaha UMKM; 3). Fintech tidak berpengaruh terhadap keberlangsungan usaha. Temuan ini menambah literatur dan menghadirkan implikasi bagi para stakeholder untuk menginisiasi program yang mendukung keberlangsungan bisnis UMKM.
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References
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Al-Tit, A., Omri, A., & Euchi, J. (2019). Critical success factors of small and medium-sized enterprises in saudi arabia: Insights from sustainability perspective. Administrative Sciences, 9(2), 1–12. https://doi.org/10.3390/admsci9020032
Andriyani, M., & Mulyanto, H. (2022). Inklusi Keuangan: Pemoderasi Literasi Keuangan Terhadap Kinerja Usaha Mikro Kecil Menengah. MASTER: Jurnal Manajemen Strategik Kewirausahaan, 2(1), 1–10. https://doi.org/10.37366/master.v2i1.287
Ardila, I., Febriaty, H., & Astuti, R. (2021). Strategi Literasi Keuangan Sebagai Faktor Pendukung Keberlanjutan Usaha Mikro Kecil dan Menengah. Ekonomikawan: Jurnal Ilmu, 2, 201–210. http://jurnal.umsu.ac.id/index.php/ekawan/article/view/8430
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13. https://doi.org/10.1007/s10006-013-0431-4
Bahtiar & Saragih. (2020). DAMPAK COVID-19 TERHADAP PERLAMBATAN EKONOMI SEKTOR UMKM. Kajian Singkat Terhadap Isu Aktual Dan Strategis, 12, 20.
Bansal, P., & DesJardine, M. (2014). Business sustainability: It is about time. Strategic Organization, 12(1), 70–78. https://doi.org/10.1177/1476127013520265
Budyastuti, T. (2021). Pengaruh Financial Technology dan Literasi Keuangan terhadap Keberlangsungan Usaha. Jurnal Online Insan Akuntan, 6(2), 167–178. https://www.neliti.com/publications/431668/pengaruh-financial-technology-dan-literasi-keuangan-terhadap-keberlangsungan-usa
Christoper, S. W. H., & Kristianti, I. (2020). Hubungan E-Commerce Dan Literasi Keuangan Terhadap Kelangsungan Usaha Di Boyolali. Jurnal Akuntansi, 10(1), 1–12. https://doi.org/10.33369/j.akuntansi.10.1.1-12
Eniola, A. A., & Entebang, H. (2015). Financial literacy and SME firm performance. International Journal of Research Studies in Management, 5(1). https://doi.org/10.5861/ijrsm.2015.1304
Eresia-Eke, C. E., & Raath, C. (2013). SMME Owners’ financial literacy and business growth. Mediterranean Journal of Social Sciences, 4(13), 397–406. https://doi.org/10.5901/mjss.2013.v4n13p397
Grant, R. M. (1996). Toward A Knowledge-Based Theory Of The Firm. Strategic Management Journal, 17(Winter Special Issue), 109–122. http://proquest.umi.com/pqdweb?RQT=562&MRR=R&TS=1297501326&clientId=27625%5Cnhttp://proquest.umi.com/pqdweb?did=11194159&Fmt=7&clientId=27625&RQT=309&VName=PQD
Haddad, C., & Hornuf, L. (2017). The emergence of the global fintech market: economic and technological determinants. Small Business Economics, 53, 81–105. https://doi.org/10.1007/s11187-018-9991-x
Hannig, A., & Jansen, S. (2010). Financial Inclusion and Financial Stability: Current Policy Issues (Issue 259). http://www.adbi.org/working-paper/2010/12/21/4272
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152. https://doi.org/10.21831/nominal.v10i1.33881
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and Measuring Financial Literacy. In SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1498674
Hussain, J., Salia, S., & Karim, A. (2018). Is knowledge that powerful? Financial literacy and access to finance: An analysis of enterprises in the UK. Journal of Small Business and Enterprise Development, 25(6), 985–1003. https://doi.org/10.1108/JSBED-01-2018-0021
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/J.1745-6606.2010.01170.X
Ibor, B. I., Offiong, A. I., & Mendie, E. S. (2017). Financial Inclusion And Performance Of Micro, Small And Medium Scale Enterprises In Nigeria. International Journal of Research - Granthaalayah, 3(5), 104–122. https://doi.org/10.5281/zenodo.439557
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Indriantro, N., & Supomo, B. (2018). METODOLOGI PENELITIAN BISNIS - untuk Akuntansi dan Manajemen (Maya (ed.); 1st ed.). BFPE, ANDI.
József, P., Oláh, J., Imre, T., Richárd, K., Róbert, T., & Zoltán, Z. (2021). The System Of Relationships Between Sustainable Corporate Governance And Corporate Financial Literacy. Polish Journal Of Management Studies, 23(1), 418–435. https://doi.org/10.17512/pjms.2021.23.1.26
kemenkop UKM. (2019). Data Pelaku UMKM di Indonesia. Kementrian Koperasi Dan UKM Republik Indonesia.
Kulathunga, K. M. M. C. B., Ye, J., Sharma, S., & Weerathunga, P. R. (2020). How does technological and financial literacy influence SME performance: Mediating role of ERM practices. Information (Switzerland), 11(6). https://doi.org/10.3390/INFO11060297
Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14(2), 62–76. https://doi.org/10.52353/ama.v14i2.210
Lutfi, A., Al-Khasawneh, A. L., Almaiah, M. A., Alsyouf, A., & Alrawad, M. (2022). Business Sustainability of Small and Medium Enterprises during the COVID-19 Pandemic: The Role of AIS Implementation. Sustainability (Switzerland), 14(9). https://doi.org/10.3390/su14095362
Masruroh, I., Andrean, R., & Arifah, F. (2021). Peran Pemerintah Dalam Mengatasi Dampak Covid-19 Bagi Umkm Di Indonesia. Journal of Innovation and Knowladge, 1(1), 41–48. https://bajangjournal.com/index.php/JIRK/article/view/38
Ningtyas, M. N., & Andarsari, P. R. (2021). Peran Perilaku Keuangan dalam Memoderasi Literasi Keuangan dan Keberlangsungan Usaha. Jurnal Riset Dan Aplikasi: Akuntansi Dan Manajemen, 5(1), 37–44. https://doi.org/10.33795/jraam.v5i1.004
Nurohman, Y. A., Kusuma, M., & Narulitasari, D. (2021). Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs. International Journal of Islamic Business Ethics, 6(1), 54. https://doi.org/10.30659/ijibe.6.1.54-67
OJK-BCG Joint Research. (2020). Bagaimana UMKM & Perbankan Dapat Sukses di Era Disrupsi Ekonomi dan Digital. 1–108.
Okello Candiya Bongomin, G., Ntayi, J. M., Munene, J. C., & Nkote Nabeta, I. (2016). Social capital: mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy, 26(2), 291–312. https://doi.org/10.1108/RIBS-06-2014-0072
Prastian, G. A., Setiawan, A., & Bachtiar, N. K. (2022). SMEs’ Sustainability: Between Business Resilience and Business Growth, Which One is More Significant in the Time of Crisis? JURNAL MANAJEMEN BISNIS, 9(1), 94–105. https://doi.org/10.33096/jmb.v9i1.1086
Rahardjo, B., Ikhwan, K., & Siharis, A. K. (2019). Pengaruh Financial Technology (Fintech) Terhadap Perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional Dan Call For Papers, Fakultas Ekonomi Universitas Tidar, 347–356.
Ratnawati, K. (2020). The Influence of Financial Inclusion on MSMEs ’ Performance Through Financial Intermediation and Access to Capital. Journal of Asian Finance, Economics and Business, 7(11), 205–218. https://doi.org/10.13106/jafeb.2020.vol7.no11.205
Rosyadah, K., Budiandriani, B., & Hasrat, T. (2021). The Role of Fintech: Financial Inclusion in MSMEs (Case Study in Makassar City). Jurnal Manajemen Bisnis, 8(2), 268–275. https://doi.org/10.33096/jmb.v8i2.840
Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1), 48–59.
Sari, B. P., Rimbano, D., Marselino, B., & Rusydi, G. (2022). Determinasi Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja dan Keberlangsungan Usaha UMKM. Owner: Riset & Jurnal Akuntansi, 6(Juli 2022), 2865–2874. https://doi.org/10.33395/owner.v6i3.928
Sarma, M. (2008). Index of Financial Inclusion, Working Paper, No 215. In Indian Council for Research on International Economic Relations (ICRIER), New Delhi (Issue 215). http://hdl.handle.net/10419/176233
Schueffel, P. (2016). Taming the beast: A scientific definition of fintech. Journal of Innovation Management, 4(4), 32–54.
Sitanggang, T. (2020). Pemulihan Ekonomi Nasional Dimulai dari UMKM. Djkn Kemenkeu. https://www.djkn.kemenkeu.go.id/kanwil-sumut/baca-artikel/13495/Pemulihan-Ekonomi-Nasional-Dimulai-dari-UMKM.html
Songling, Y., Ishtiaq, M., & Anwar, M. (2018). Enterprise Risk Management Practices and Firm Performance, the Mediating Role of Competitive Advantage and the Moderating Role of Financial Literacy. Journal of Risk and Financial Management, 11(3), 35. https://doi.org/10.3390/jrfm11030035
Terzi, N. (2015). Financial Inclusion and Turkey. Academic Journal of Interdisciplinary Studies, 4(1), 269–276. https://doi.org/10.5901/ajis.2015.v4n1s2p269
Widayanti, R., Damayanti, R., & Marwanti, F. (2017). Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha (Business Sustainability) Pada Umkm Desa Jatisari. Jurnal Ilmiah Manajemen & Bisnis, 18(2), 153. https://doi.org/10.30596/jimb.v18i2.1399
Ye, J., & Kulathunga, K. M. M. C. B. (2019). How does financial literacy promote sustainability in SMEs? A developing country perspective. Sustainability (Switzerland), 11(10). https://doi.org/10.3390/su11102990
Zutshi, A., Mendy, J., Sharma, G. D., Thomas, A., & Sarker, T. (2021). From challenges to creativity: Enhancing smes’ resilience in the context of covid-19. Sustainability (Switzerland), 13(12), 1–16. https://doi.org/10.3390/su13126542
Agbim, K. C. (2020). Government policy, financial inclusion and performance of SMEs in South Eastern Nigeria. International Entrepreneurship Review, 6(2), 69–82. https://doi.org/10.15678/ier.2020.0602.05
Al-Tit, A., Omri, A., & Euchi, J. (2019). Critical success factors of small and medium-sized enterprises in saudi arabia: Insights from sustainability perspective. Administrative Sciences, 9(2), 1–12. https://doi.org/10.3390/admsci9020032
Andriyani, M., & Mulyanto, H. (2022). Inklusi Keuangan: Pemoderasi Literasi Keuangan Terhadap Kinerja Usaha Mikro Kecil Menengah. MASTER: Jurnal Manajemen Strategik Kewirausahaan, 2(1), 1–10. https://doi.org/10.37366/master.v2i1.287
Ardila, I., Febriaty, H., & Astuti, R. (2021). Strategi Literasi Keuangan Sebagai Faktor Pendukung Keberlanjutan Usaha Mikro Kecil dan Menengah. Ekonomikawan: Jurnal Ilmu, 2, 201–210. http://jurnal.umsu.ac.id/index.php/ekawan/article/view/8430
Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13. https://doi.org/10.1007/s10006-013-0431-4
Bahtiar & Saragih. (2020). DAMPAK COVID-19 TERHADAP PERLAMBATAN EKONOMI SEKTOR UMKM. Kajian Singkat Terhadap Isu Aktual Dan Strategis, 12, 20.
Bansal, P., & DesJardine, M. (2014). Business sustainability: It is about time. Strategic Organization, 12(1), 70–78. https://doi.org/10.1177/1476127013520265
Budyastuti, T. (2021). Pengaruh Financial Technology dan Literasi Keuangan terhadap Keberlangsungan Usaha. Jurnal Online Insan Akuntan, 6(2), 167–178. https://www.neliti.com/publications/431668/pengaruh-financial-technology-dan-literasi-keuangan-terhadap-keberlangsungan-usa
Christoper, S. W. H., & Kristianti, I. (2020). Hubungan E-Commerce Dan Literasi Keuangan Terhadap Kelangsungan Usaha Di Boyolali. Jurnal Akuntansi, 10(1), 1–12. https://doi.org/10.33369/j.akuntansi.10.1.1-12
Eniola, A. A., & Entebang, H. (2015). Financial literacy and SME firm performance. International Journal of Research Studies in Management, 5(1). https://doi.org/10.5861/ijrsm.2015.1304
Eresia-Eke, C. E., & Raath, C. (2013). SMME Owners’ financial literacy and business growth. Mediterranean Journal of Social Sciences, 4(13), 397–406. https://doi.org/10.5901/mjss.2013.v4n13p397
Grant, R. M. (1996). Toward A Knowledge-Based Theory Of The Firm. Strategic Management Journal, 17(Winter Special Issue), 109–122. http://proquest.umi.com/pqdweb?RQT=562&MRR=R&TS=1297501326&clientId=27625%5Cnhttp://proquest.umi.com/pqdweb?did=11194159&Fmt=7&clientId=27625&RQT=309&VName=PQD
Haddad, C., & Hornuf, L. (2017). The emergence of the global fintech market: economic and technological determinants. Small Business Economics, 53, 81–105. https://doi.org/10.1007/s11187-018-9991-x
Hannig, A., & Jansen, S. (2010). Financial Inclusion and Financial Stability: Current Policy Issues (Issue 259). http://www.adbi.org/working-paper/2010/12/21/4272
Hilmawati, M. R. N., & Kusumaningtias, R. (2021). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlangsungan Sektor Usaha Mikro Kecil Menengah. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152. https://doi.org/10.21831/nominal.v10i1.33881
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and Measuring Financial Literacy. In SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1498674
Hussain, J., Salia, S., & Karim, A. (2018). Is knowledge that powerful? Financial literacy and access to finance: An analysis of enterprises in the UK. Journal of Small Business and Enterprise Development, 25(6), 985–1003. https://doi.org/10.1108/JSBED-01-2018-0021
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/J.1745-6606.2010.01170.X
Ibor, B. I., Offiong, A. I., & Mendie, E. S. (2017). Financial Inclusion And Performance Of Micro, Small And Medium Scale Enterprises In Nigeria. International Journal of Research - Granthaalayah, 3(5), 104–122. https://doi.org/10.5281/zenodo.439557
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Indriantro, N., & Supomo, B. (2018). METODOLOGI PENELITIAN BISNIS - untuk Akuntansi dan Manajemen (Maya (ed.); 1st ed.). BFPE, ANDI.
József, P., Oláh, J., Imre, T., Richárd, K., Róbert, T., & Zoltán, Z. (2021). The System Of Relationships Between Sustainable Corporate Governance And Corporate Financial Literacy. Polish Journal Of Management Studies, 23(1), 418–435. https://doi.org/10.17512/pjms.2021.23.1.26
kemenkop UKM. (2019). Data Pelaku UMKM di Indonesia. Kementrian Koperasi Dan UKM Republik Indonesia.
Kulathunga, K. M. M. C. B., Ye, J., Sharma, S., & Weerathunga, P. R. (2020). How does technological and financial literacy influence SME performance: Mediating role of ERM practices. Information (Switzerland), 11(6). https://doi.org/10.3390/INFO11060297
Kusuma, M., Narulitasari, D., & Nurohman, Y. A. (2022). Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Dan Keberlanjutan Umkm Disolo Raya. Among Makarti, 14(2), 62–76. https://doi.org/10.52353/ama.v14i2.210
Lutfi, A., Al-Khasawneh, A. L., Almaiah, M. A., Alsyouf, A., & Alrawad, M. (2022). Business Sustainability of Small and Medium Enterprises during the COVID-19 Pandemic: The Role of AIS Implementation. Sustainability (Switzerland), 14(9). https://doi.org/10.3390/su14095362
Masruroh, I., Andrean, R., & Arifah, F. (2021). Peran Pemerintah Dalam Mengatasi Dampak Covid-19 Bagi Umkm Di Indonesia. Journal of Innovation and Knowladge, 1(1), 41–48. https://bajangjournal.com/index.php/JIRK/article/view/38
Ningtyas, M. N., & Andarsari, P. R. (2021). Peran Perilaku Keuangan dalam Memoderasi Literasi Keuangan dan Keberlangsungan Usaha. Jurnal Riset Dan Aplikasi: Akuntansi Dan Manajemen, 5(1), 37–44. https://doi.org/10.33795/jraam.v5i1.004
Nurohman, Y. A., Kusuma, M., & Narulitasari, D. (2021). Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs. International Journal of Islamic Business Ethics, 6(1), 54. https://doi.org/10.30659/ijibe.6.1.54-67
OJK-BCG Joint Research. (2020). Bagaimana UMKM & Perbankan Dapat Sukses di Era Disrupsi Ekonomi dan Digital. 1–108.
Okello Candiya Bongomin, G., Ntayi, J. M., Munene, J. C., & Nkote Nabeta, I. (2016). Social capital: mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy, 26(2), 291–312. https://doi.org/10.1108/RIBS-06-2014-0072
Prastian, G. A., Setiawan, A., & Bachtiar, N. K. (2022). SMEs’ Sustainability: Between Business Resilience and Business Growth, Which One is More Significant in the Time of Crisis? JURNAL MANAJEMEN BISNIS, 9(1), 94–105. https://doi.org/10.33096/jmb.v9i1.1086
Rahardjo, B., Ikhwan, K., & Siharis, A. K. (2019). Pengaruh Financial Technology (Fintech) Terhadap Perkembangan UMKM di Kota Magelang. Prosiding Seminar Nasional Dan Call For Papers, Fakultas Ekonomi Universitas Tidar, 347–356.
Ratnawati, K. (2020). The Influence of Financial Inclusion on MSMEs ’ Performance Through Financial Intermediation and Access to Capital. Journal of Asian Finance, Economics and Business, 7(11), 205–218. https://doi.org/10.13106/jafeb.2020.vol7.no11.205
Rosyadah, K., Budiandriani, B., & Hasrat, T. (2021). The Role of Fintech: Financial Inclusion in MSMEs (Case Study in Makassar City). Jurnal Manajemen Bisnis, 8(2), 268–275. https://doi.org/10.33096/jmb.v8i2.840
Sanistasya, P. A., Raharjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1), 48–59.
Sari, B. P., Rimbano, D., Marselino, B., & Rusydi, G. (2022). Determinasi Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja dan Keberlangsungan Usaha UMKM. Owner: Riset & Jurnal Akuntansi, 6(Juli 2022), 2865–2874. https://doi.org/10.33395/owner.v6i3.928
Sarma, M. (2008). Index of Financial Inclusion, Working Paper, No 215. In Indian Council for Research on International Economic Relations (ICRIER), New Delhi (Issue 215). http://hdl.handle.net/10419/176233
Schueffel, P. (2016). Taming the beast: A scientific definition of fintech. Journal of Innovation Management, 4(4), 32–54.
Sitanggang, T. (2020). Pemulihan Ekonomi Nasional Dimulai dari UMKM. Djkn Kemenkeu. https://www.djkn.kemenkeu.go.id/kanwil-sumut/baca-artikel/13495/Pemulihan-Ekonomi-Nasional-Dimulai-dari-UMKM.html
Songling, Y., Ishtiaq, M., & Anwar, M. (2018). Enterprise Risk Management Practices and Firm Performance, the Mediating Role of Competitive Advantage and the Moderating Role of Financial Literacy. Journal of Risk and Financial Management, 11(3), 35. https://doi.org/10.3390/jrfm11030035
Terzi, N. (2015). Financial Inclusion and Turkey. Academic Journal of Interdisciplinary Studies, 4(1), 269–276. https://doi.org/10.5901/ajis.2015.v4n1s2p269
Widayanti, R., Damayanti, R., & Marwanti, F. (2017). Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha (Business Sustainability) Pada Umkm Desa Jatisari. Jurnal Ilmiah Manajemen & Bisnis, 18(2), 153. https://doi.org/10.30596/jimb.v18i2.1399
Ye, J., & Kulathunga, K. M. M. C. B. (2019). How does financial literacy promote sustainability in SMEs? A developing country perspective. Sustainability (Switzerland), 11(10). https://doi.org/10.3390/su11102990
Zutshi, A., Mendy, J., Sharma, G. D., Thomas, A., & Sarker, T. (2021). From challenges to creativity: Enhancing smes’ resilience in the context of covid-19. Sustainability (Switzerland), 13(12), 1–16. https://doi.org/10.3390/su13126542
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2022-12-28
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