ANALISIS LITERASI KEUANGAN TERHADAP KEBERLANGSUNGAN UMKM DENGAN INKLUSI KEUANGAN PADA UMKM GIANYAR

Abstract

The MSME sector is part of the engine of the economy, but to realize an increase in the number of MSMEs, it is necessary to provide guidance in supporting the sustainability of MSMEs by providing an understanding of financial literacy and financial inclusion. The research objective is to test and analyze the influence of financial literacy on the sustainability of MSMEs with financial inclusion as an intervening variable. The type of research used is quantitative research. The location chosen by the researcher is Gianyar Regency, Bali. The population in this study is 75,620 SMEs. The research sample used purposive sampling technique and the solvency formula, the sample obtained was 85 samples. This study uses primary data and secondary data. Questionnaires are used as a data collection method in this study. SmartPLS (Partial Least Square) is a data analysis method used by researchers. Based on the results of the research Based on the results of data analysis and the discussion above regarding the effect of financial literacy on the sustainability of MSMEs through financial inclusion as an intervening variable using SmartPLS, it can be concluded that: 1. Financial literacy has a significant effect on the sustainability of SMEs. 2. Financial literacy has a significant effect on financial inclusion. 3. Financial inclusion has a significant effect on the sustainability of MSMEs. 4. Financial literacy has no significant effect on the sustainability of MSMEs through financial inclusion as an intervening variable.