PENGARUH LABA USAHA, KREDIT MIKRO DAN LITERASI KEUANGAN TERHADAP KESEJAHTERAAN EKONOMI RUMAH TANGGA UMK DI INDONESIA
Keywords:
Economic welfare of MSMEs, Business Profit, Micro Credit, Financial Literacy.
Abstract
This study aims to examine the effect of business profit, microcredit, financial literacy (ownership of savings accounts, and knowledge of financial institutions that provide loans) on the economic welfare of MSE households in Indonesia, using IFLS data wave 5 in 2014 and multiple regression analysis using Stata software. The results of the study revealed that business profit significantly improves the economic welfare of MSEs, while microcredit has no significant effect. Meanwhile, financial literacy as measured by ownership of savings accounts and knowledge of financial institutions that provide loans also has a significant effect. This study emphasizes the importance of effective strategies in utilizing business profit, microcredit and financial literacy to improve the economic welfare of MSE households in Indonesia
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References
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Brillianti, F., & Kautsar, A. (2020). Apakah Literasi Keuangan Memengaruhi Kesejahteraan Rumah Tangga di Indonesia? Kajian Ekonomi Dan Keuangan, 4(2), 103–115. https://doi.org/10.31685/kek.v4i2.541
Capiña, M. V. (2021). Impact of Management Practices on Micro and Small Enterprise (MSEs) Performance in Marinduque, Philippines. Journal of Social Entrepreneurship Theory and Practice, 1(1), 84–97. https://doi.org/10.31098/jsetp.v1i1.561.
Coleman, B. E. (1999). The impact of group lending in Northeast Thailand. Journal of Development Economics, 60(1), 105–141. doi: https://doi.org/10.1016/S0304-3878(99)00038-3.
Fenton, A., Paavola, J., & Tallontire, A. (2016). The role of microfinance in household livelihood adaptation in Satkhira District, Southwest Bangladesh. World Development, 92, 192– 202. doi: https://doi.org/10.1016/j.worlddev.2016.12.004.
Hamza, L. M., & Agustien, D. (2019). Pengaruh Perkembangan Usaha Mikro, Kecil, dan Menengah Terhadap Pendapatan Nasional Pada Sektor UMKM di Indonesia. Jurnal Ekonomi Pembangunan, 8(2), 127–135. https://doi.org/10.23960/jep.v8i2.45.
Harahap, S. S. (2008). Analisis Kritis atas Laporan Keuangan. Jakarta: PT Raja Grafindo Persada.
Hermes, N., & Lensink, R. (2011). Microfinance: its impact, outreach, and sustainability.
Heru, N. (2016). Pengaruh pendapatan, jumlah anggota rumah tangga, tingkat pebdidikan kepala keluarga dan jumlah anak sekolah terhadap tingkat konsumsi rumah tangga petani padi dan tembakau di Desa Sumberagung, Kecamatan Kepohbaru, Kabupaten Bojonegoro.
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.
Indriantoro, N., & Supomo, B. (2018). MetodologI Penelitian Bisnis. indonesia: Penerbit Andi.
Gathergood, J. (2012). Self-control, financial literacy
Junaidi, M. (2023). DJPB. Retrieved from KEMENTRIAN KEUANGAN REPUBLIK INDONESIA: https://djpb.kemenkeu.go.id/portal/id/berita/lainnya/opini/4133-umkm-hebat,-perekonomian-nasional-meningkat.html.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5.
Marcolin, Sonia, and Anne Abraham. 2006. Financial Literacy Research: Current Literature and Future Opportunities. http://ro.uow.edu.au/commpapers/223/.
Mandiri. (2024). Retrieved from PT Bank Mandiri (persero) Tbk: https://www.bankmandiri.co.id/kredit-usaha-mikro.
Nghiem, H. S., Coelli, T., & Rao, P. (2007). The welfa- re effects of microfinance in Vietnam: empirical results from a quasi-experiment survey. Paper presented at the 51st Annual Conference of the Australian Agriculture and Resources Economics Society, 13-16 February 2007, Que- enstown, New Zealand. Diakses 18 Juli 2018 dari https: //ageconsearch.umn.edu/record/10437.
Purwanto, A., & Taftazani, B. M. (2018). Pengaruh Jumlah Tanggungan Terhadap Tingkat Kesejahteraan Ekonomi Keluarga Pekerja K3L Universitas Padjadjaran. Focus : Jurnal Pekerjaan Sosial, 1(2), 33. https://doi.org/10.24198/focus.v1i2.18255.
Rahmawati, F. (2016). Refleksi Rendahnya Literasi Keuangan Di Kalangan Buruh Pabrik: Penyebab Dan Akibat (Studi Kasus Buruh Pabrik di Kota Probolinggo). Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 5(2), 1–21.
Rianti Setyawasih, I., Luh Kartika Ningsih, Ms., Pandapotan Sitompul, I., Santi Riana Dewi, C., Hehamahua, A., Sinar Ritonga, M., Luh Putu Eka Yudi Prastiwi, N., June Kuncoro Hadiningrat, M., & Sukemi Kadiman, Ms. H. (2023). Human Human Capital Capital Management Management.
Suyono. (2018). Issn 2338 - 9729 (. 6(0289).
Wooldridge, J. M. (2010). Econometric Analysis of Cross Section and Panel Data. MIT Press
