PENGARUH LITERASI KEUANGAN TERHADAP AKSES PEMBIAYAAN PADA UMKM
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Abstract
Penelitian ini menggunakan metode kuantitatif dengan jenis penelitian deskriptif. dengan jumlah responden sebanyak 35 orang. Teknik analisis data yang digunakan adalah analisis deksriptif dan analisis regresi linier sederhana. Berdasarkan hasil penelitian Literasi Keuangan berpengaruh terhadap Akses Pembiayaan sebesar 56,5% sedangkan 43,5% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian ini. literasi keuangan pada UMKM anggota binaan PPKM untuk wilayah Rancaekek dan Cileunyi termasuk dalam kategori baik. Hal ini perlu terus dikelola dan ditingkatkan agar dapat membantu UMKM dalam mendapatkan kemudahan akses pembiayaan.
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References
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Arikunto. (2010). Prosedur Penelitian Suatu Pendekatan Praktik. Yogyakarta: Rineka Cipta.
Baas, T., & Schrooten, M. (2006). Realtionship Banking and SMEs: A Theoritical Analysis. Small Business Economics, 27.
Beazer. (2014). Political Centralization and Economic Performance: Evidence from Russia. The Journal of Politics 77, no. 1 (January 2015): 128-145.
Beck, et al. (2015). Mobile Money, Trade Credit and Economic Development: Theory and Evidence. European Banking Center Discussion Paper No. 2015-005.
Coad, A., & Tamvada, J. P. (2012). Firm growth and barriers to growth among small firms in India. Small Business Economics. 39. 383–400.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107-128.
Cole, et al. (2009). Prices of Knowledge: What Drives the Demand for Financial Services in Emerging Markets?. Boston: Harvard Business School.
Darmawan, Deni. (2014). Metode Penelitian Kuantitatif. Cetakan Kedua. Bandung: PT. Remaja Rosdakarya.
Hermawan, A. (2009). Penelitian Bisnis Paradigma Kuantitatif. Jakarta: Grasindo.
Huston, S. J. (2010). Measuring Financial Literacy. The Journal of Consumer Affairs, 44(2), 296-317.
Lusimbo, N. E., & Muturi, W. (2015). Financial Literacy and The Growth of Small Enterprises in Kenya: A Case of Kakamega Central Sub-Country, Kenya. International Journal of Economics, Commerce and Management, 828-845.
Miller, M., et al. (2009). The Case for Financial Literacy in Developing Countries: Promoting Access to Finance by Empowering Consumers. World Bank, DFID, OECD, and CGAP joint note, Washington DC: World Bank
Muljono, T. P. (1993). Manajemen Perkreditan bagi Bank Komersiil (3 ed.). Yogyakarta: BPFE Yogyakarta.
Nkundabanyanga, K. S., Kasozi, D., dan Nalukenge, I. (2014). Lending terms, financial literacy, and formal credit accessibility. International Journal of Social Economics, 41(5), 342-361.
Rahaman, Arief. (2008). Kemitraan Usaha dan Masalahnya. Fakultas Teknik Universitas Widyatama.
Rudiantoro, R., & Siregar, S. V. (2012). Kualitas Laporan Keuangan UMKM serta Prospek Implementasi SAK ETAP. Jurnal Akuntansi dan Keuangan Indonesia, 9(1), 1-12.
Sugiyono. (2014). Metode Penelitian Kuantitatif, Kualitatif, dan Kombinasi (Mixed Methods). Bandung: Alfabeta.
Susan, N. P. (2012). Credit Terms, Access to Finance and Financial Performance of SMEs in Kampala. Kampala: Makerere University.
USAID & DEFINIT. (2013). Developing an Indonesian Financial Literacy Index. SEADI Discussion Paper.
Rivai, V., & Arifin, A. (2010). Islamic Banking. PT Bumi Aksara, Jakarta.
Xu, L., & Zia, B. (2012). Financial Literacy around the World – An Overview of the Evidence with Practical Suggestions for the Way Forward. The World Bank: Finance and Private Sector Development.