PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP KINERJA UMKM KULINER PADA KOTA BANDAR LAMPUNG (KECAATAN ENGGAL)

Angelica Maharani DK; Habiburahman

doi:10.35450/jip.v13i01.761

Authors

Angelica Maharani DK Universitas Bandar Lampung
Habiburahman Universitas Bandar Lampung

DOI:

https://doi.org/10.35450/jip.v13i01.761

Keywords:

Financial Literacy, MSME Performance, Financial Inclusion, MSMEs

Abstract

With the aim of evaluating the performance of culinary MSMEs in Enggal District, Bandar Lampung City, it is influenced by financial literacy and financial inclusion. The quantitative method implemented was by giving a questionnaire in the form of questions to MSME owners in the area. Financial literacy also understands managing finances, budget planning and risk management, which is assumed to be able to improve effective financial decision making in business activities. Meanwhile, financial inclusion, which is measured by access to formal financial services, such as banking and credit, is considered very influential in supporting business sustainability and expanding business opportunities. Using the non-probability sampling method with the Slovin formula, 43 respondents became the sample. Using SPSS version 30 and data analyzed using multiple linear regression to evaluate the performance of Culinary MSMEs affected by financial literacy and financial inclusion. These findings suggest that the performance of Culinary MSMEs in Enggal District is influenced by financial literacy and financial inclusion. These findings indicate that efforts to increase financial understanding and access to financial services can improve MSME productivity. These findings underline the importance of collaborative efforts between government, financial institutions and business actors in increasing financial literacy and inclusion. Support in the form of training, education and providing easily accessible financial services can be a catalyst for sustainable MSME growth. This research also confirms that financial literacy and inclusion are not just additional elements, but basic needs that support the performance of MSMEs holistically.

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