PERAN ACCESS TO FINANCE DALAM MEMEDIASI FINANCIAL LITERACY DAN SUSTAINABILITY PADA UMKM DI KOTA MATARAM

Alma Yunita; Indria Puspitasari Lenap; Susi Retna Cahyaningtyas

doi:10.29303/jaa.v8i1.267

Authors

Alma Yunita Universitas Mataram
Indria Puspitasari Lenap Universitas Mataram
Susi Retna Cahyaningtyas Universitas Mataram

DOI:

https://doi.org/10.29303/jaa.v8i1.267

Keywords:

Financial Literacy, Access to Finance, Sustainability, dan UMKM

Abstract

Penelitian ini dilakukan dengan menyebarkan kuesioner kepada 100 pelaku UMKM yang ada di Kota Mataram. Adapun teknik analisis yang digunakan yakni teknik analisis kuantitatif dengan pendekatan Structural Equation Model Partial Least Square (SEM-PLS). Data yang diperoleh kemudian dianalisis menggunakan software SmartPLS versi 3.2.9. Hasil penelitian menunjukkan bahwa terdapat hubungan yang positif dan saling mempengaruhi antara Financial Literacy, Access to Finance dan Sustainability. Teori Resource Based View (RBV), Knowledge Based View (KBV), dan Pecking Order dapat digunakan dalam menjelaskan hubungan antara financial literacy, access to finance dan sustainability. Sumber daya tidak berwujud seperti financial literacy dianggap mampu membuat pelaku UMKM untuk lebih terampil dalam mengelola dan membuat keputusan keuangan sehingga mempengaruhi keberlanjutan usaha (business sustainability). Selain itu, semakin tinggi tingkat financial literacy, maka semakin tinggi pula kesempatan pelaku UMKM dalam mengakses keuangan pada lembaga perbankan. Oleh karena itu, dalam penelitian ini access to finance secara parsial memiliki peran mediasi dalam mempengaruhi sustainability apabila didukung oleh tingkat financial literacy yang baik dari pelaku UMKM.

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