Analisis Ketahanan Keuangan Pelaku Usaha Mikro Kecil Diukur Dari Implementasi Literasi Keuangan Pada Masa Pandemi Covid 19. Indonesia Section Articles
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Abstract
Pandemi Covid-19 memberikan dampak bagi pelaku UMK di sekitar kampus UIN Walisongo. Salah satu yang dapat dilihat dari dampak pandemi adalah ketahanan keuangan pelaku UMK di sekitar kampus. Tujuan riset ini untuk menganalisis tiga masalah yaitu 1) peta kondisi ketahanan keuangan pelaku UMK pada masa pandemi; 3) kondisi literasi keuangan pelaku UMK di sekitar kampus; 3) Pengukuran tingkat pengaruh literasi keuangan terhadap ketahanan keuangan pelaku UMK di sekitar kampus UIN Walisongo. Penelitian ini menggunakan dua analisis pendekatan yaitu kualitatif deskriptif dan kuantitatif. Hasil penelitian menunjukkan bahwa 17 % pelaku UMK di sekitar kampus UIN Walisongo mengalami ketahanan keuangan sangat baik. Sementara, sebayak 9 % pada kategori baik, 34 % kategori buruk, dan sebanyak 39% memiliki ketahan keuangan sangat buruk. Hasil pemetaan implementasi literasi keuangan, sebanyak 30% pelaku UMK memiliki kategori well literate, sufficient literate (50%), dan less literate (19%). Sementara, hanya 1% yang dalam kategori not literate. Uji analisis regresi logistic ordinal menunjukkan bahwa variabel literasi keuangan tidak berpengaruh terhadap ketahanan keuangan pelaku UMK di sekitar kampus UIN Walisongo di masa pandemi covid-19.
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
LPPM Politeknik Piksi Ganesha Indonesia
How to Cite
Nihayah Nihayah, A., Rifqi, L. H., Vanni, K. M., & Imron, A. (2022). Analisis Ketahanan Keuangan Pelaku Usaha Mikro Kecil Diukur Dari Implementasi Literasi Keuangan Pada Masa Pandemi Covid 19.: Indonesia. Jurnal E-Bis, 6(2), 438-455. https://doi.org/10.37339/e-bis.v6i2.912
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Luo, P., Wang, H., & Yang, Z. (2016). Investment and Financing for SMEs with a Partial Guarantee and Jump Risk. European Journal of Operational Research, 24(9), 1161–1168.
Lusardi, A. (2012). Numeracy, financial literacy, and financial decision-making. National Bureau of Economic Research.
Mabula, J. B., & Ping, H. D. (2018). Financial literacy of SME managers’ on access to finance and performance: The mediating role of financial service utilization. International Journal of Advanced Computer Science and Applications, 9(9), 32–41.
Mc Knight, A. (2018). Financial Resilience: Measures, Trends and Policy Options. Centre of Analysis of Social Exclusion.
Montoro, C., & Suarez, L. R. (2012). Credit at times of stress: Latin American lessons from the global financial crisis. BIS Working Papers 370.
Muchlis, R. (2018). Analisis SWOT Financial Technology (Fintech) Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank Syariah Di Kota Medan). AT-TAWASSUTH: Jurnal Ekonomi Islam, 1(1), 335. https://doi.org/10.30821/ajei.v1i1.2735
Muraga, K. P., & John, N. (2015). Effects of financial literacy on performance of youth led entreprises: a case of equity group foundation training program in Kiambu county. International Journal of Social Sciences Management and Entrepreneurship, 2(1), 218–231.
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Puspitaningtyas, Z. (2017). Pembudayaan Pengelolaan Keuangan Berbasis Akuntansi Bagi Pelaku Usaha Kecil Menengah. Jurnal Akuntansi, 21(3), 361. https://doi.org/10.24912/ja.v21i3.242
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Reeves, M., & Whitaker, K. (2020). A guide to building a more resilient business. Harvard Business Review.
Ripain, N., Amirul, S. M., & Mail, R. (2017). Financial literacy and SMEs’ potential entrepreneurs: The case of Malaysia. Journal of Administrative and Business Studies, 3(2), 60–68.
Romarina, A. (2016). Economic Resilience Pada Industri Kreatif Gunamenghadapi Globalisasi Dalam Rangka Ketahanan Nasional. Jurnal Ilmu Sosial, 15(1), 35. https://doi.org/10.14710/jis.15.1.2016.35-52
Roziqin, A., Mas’udi, S. Y. F., & Sihidi, I. T. (2021). An analysis of Indonesian government policies against COVID-19. Public Administration and Policy, 24(1), 92–107. https://doi.org/10.1108/pap-08-2020-0039
Rumini, D. A., & Martadiani, A. M. (2020). Peran Literasi Keuangan Sebagai Prediktor Kinerja Dan Keberlanjutan Umkm Di Kabupaten Badung. INVENTORY : Jurnal Akuntansi, 4(2), 166–174.
Salignac, F., Marjolin, A., & Reeve, R. M. (2019). ). Conceptualizing and Measuring Financial Resilience : A Multidimensional Framework. Social Indicator Research : An International and Interdiciplinary Journal for Quality of Life Measurement, 145(2), 17–38.
Saputra, D. (2021). Survei BI: 87,5 persen UMKM Indonesia terdampak pandemi covid-19.
Sekar, M., & Gowri, M. (2015). A study on financial literacy and its determinants among generation Y employees in Coimbatore city. Great Lakes Herald, 9(1), 35–45.
Soeratno dan Lincolin Arsyad. (1999). Metodologi Penelitian: Untuk Ekonomi dan Bisnis. UPP AMP YKPN.
Sucianah, A., & Yuhertina, I. (2021). Gender Memoderasi Financial Literacy dan Financial Behaviour terhadap ketahanan keyangan rumah tangga milenial selama pandemi covid-19. Jurnal Proaksi, 8(2), 428–438.
Sugiyono. (2011). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta.
Susan, M. (2020). Financial Literacy and Growth of Micro, Small, and Medium Enterprises in West Java, Indonesia. International Symposia in Economic Theory and Econometrics, 27(1).
Susanti, A. (2017). Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan Terhadap Perilaku Keuangan UMKM Di Surakarta. TB, 18(1), 45–56.
Teguh, M. (2005). Metodologi Penelitian Ekonomi: Teori dan Aplikasi. PT Raja Grafindo Persada.
Walker, B., Hollings, C. S., Carpenter, S. ., & Kinzig, A. (2004). Resilience, adaptability and transformability in social. Ecological Systems, 9(5).
Yeganeh, H. (2019). An analysis of emerging trends and transformations in global healthcare. International Journal of Health Governance, 24(2), 169–180.
Zaazou, Z. A., & Salman Abdou, D. (2022). Egyptian small and medium sized enterprises’ battle against COVID-19 pandemic: March–July 2020. Journal of Humanities and Applied Social Sciences, 4(2), 94–112. https://doi.org/10.1108/jhass-09-2020-0161
Alharbi, et al. (2021). Impact of religiosity and branding on SMEs performance: does financial literacy play a role? Journal of Islamic Marketing, 32(2).
Alves, J. C., Lok, T. C., Luo, Y., & Hao, W. (2020). Crisis Management for Small Business during the COVID-19 Outbreak: Survival, Resilience and Renewal Strategies of Firms in Macau. Reserach Square. https://www.researchsqruare.com
Ariwibawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM Di Jawa Tengah. Yogyakarta. Jurnal Siasat Bisnis, 20(1).
Bongomin, G. O. C., Ntayi, J. M., Munene, J. C., & Malinga, C. A. (2017). The relationship between access to finance and growth of SMEs in developing economies: Financial literacy as a moderator. Review of International Business and Strategy, 27(4), 520–538.
Burhan, B. (2012). Metodologi Penelitian Kuantitatif. Preadamedia Group.
Chawla, R. (2018). Importance of financial literacy for small and medium size businesses. SME World. https://www.smeworld.asia/Money.aspx?Money¼Money 113/importance-of-financial-literacy-for–small-and-medium-size-businesses
Crocker, R. A. (2009). An introduction to qualititative research. Palgrave Macmillan.
Cucinelli, D., Trivellato, P., & Zenga, M. (2019). Financial literacy: The role of the local context. Journal of Consumer Affairs, 53(4), 1874–1919.
Dahmen, P., & RodrÃguez, E. (2014). Financial literacy and the success of small businesses: An observation from a small business development center. Numeracy, 7(1).
Derbyshire, J. E. (2016). Analysing the need for financial literacy in small- and micro enterprises. Masters Dissertation.
Draxler, A., Fischer, G., & Schoar, A. (2014). Keeping it simple: Financial literacy and rules of thumb. American Economic Journal: Applied Economics., 6(2), 1–31.
Ergun, K. (2017). Financial literacy among university students: A study in eight European countries. International Journal of Consumer Studies, 42(1), 2–15.
Folke, C., Carpenter, S. R., Walker, B., Scheffer, B., Chapin, T., & Rockstrom. (2010). Resilience thinking: integrating resilience, adaptability and transformability. Ecological Systems.
Gerrans, P., & Heaney, R. (2016). The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions. Accounting and Finance, 59(1).
Ghosh, R., & Saima, F. N. (2021). Resilience of commercial banks of Bangladesh to the shocks caused by COVID-19 pandemic: an application of MCDM-based approaches. Asian Journal of Accounting Research, 6(3), 281–295. https://doi.org/10.1108/AJAR-10-2020-0102
Gunderson, L. H., & Holling, C. S. (2022). Panarchy: Understanding Transformations in Human and Natural Systems. Island Press.
Husin, M. M., & Haron, R. (2020). Micro, small and medium enterprises’ competitiveness and micro-takÄful adoption. ISRA International Journal of Islamic Finance, 12(3), 367–380. https://doi.org/10.1108/IJIF-03-2019-0038
Klapper, L., Lusardi, A., & Van Oudheusden, P. (2015). Financial literacy around the world: Insights from the Standard & Poor’s Ratings Services Global Financial Literacy Survey.
Kumar, R., & Abdin, M. S. (2021). Impact of epidemics and pandemics on consumption pattern: evidence from Covid-19 pandemic in rural-urban India. Asian Journal of Economics and Banking, 5(1), 2–14. https://doi.org/10.1108/ajeb-12-2020-0109
Kuntze, R., Wu, C., Wooldridge, B. R., & Whang, Y. (2019). Improving financial lit eracy in college of business students: Modernizing delivery tools. International Journal of Bank Marketing, 37(4), 976–999.
Lindiawatie, L., & Shahreza, D. (2021). Penyuluhan Literasi Keuangan pada Ibu Rumah Tangga di Depok Sebagai Dasar Membangun Ketahanan Keuangan Keluarga. Warta LPM, 24(3), 521–532. https://doi.org/10.23917/warta.v24i3.13351
LIPI. (2020). Inklusi Keuangan Masih Menjadi Tantangan di Tahun 2019. http://lipi.go.id/publikasi/inklusi-keuangan-masih-menjadi-tantangan-di-tahun-2019/32752
Loannides, D., & Gymonthy. (2020). The COVID-19 crisis as an opportunity for escaping the unsustainable global tourism path. Tourism Geographies, 22(3), 624–632.
Luo, P., Wang, H., & Yang, Z. (2016). Investment and Financing for SMEs with a Partial Guarantee and Jump Risk. European Journal of Operational Research, 24(9), 1161–1168.
Lusardi, A. (2012). Numeracy, financial literacy, and financial decision-making. National Bureau of Economic Research.
Mabula, J. B., & Ping, H. D. (2018). Financial literacy of SME managers’ on access to finance and performance: The mediating role of financial service utilization. International Journal of Advanced Computer Science and Applications, 9(9), 32–41.
Mc Knight, A. (2018). Financial Resilience: Measures, Trends and Policy Options. Centre of Analysis of Social Exclusion.
Montoro, C., & Suarez, L. R. (2012). Credit at times of stress: Latin American lessons from the global financial crisis. BIS Working Papers 370.
Muchlis, R. (2018). Analisis SWOT Financial Technology (Fintech) Pembiayaan Perbankan Syariah Di Indonesia (Studi Kasus 4 Bank Syariah Di Kota Medan). AT-TAWASSUTH: Jurnal Ekonomi Islam, 1(1), 335. https://doi.org/10.30821/ajei.v1i1.2735
Muraga, K. P., & John, N. (2015). Effects of financial literacy on performance of youth led entreprises: a case of equity group foundation training program in Kiambu county. International Journal of Social Sciences Management and Entrepreneurship, 2(1), 218–231.
Nicholls, A. (2020). COVID-19 and Barbados: measured and transparent policy responses. The Round Table, 109(3), 1–12.
OECD. (2016). International Network on Financial Education (INFE). International survey of adult financial literacy competencies.
Puspitaningtyas, Z. (2017). Pembudayaan Pengelolaan Keuangan Berbasis Akuntansi Bagi Pelaku Usaha Kecil Menengah. Jurnal Akuntansi, 21(3), 361. https://doi.org/10.24912/ja.v21i3.242
Raghuvanshi, J., & Garg, C. P. (2018). Time to get into the action. Asia Pacific Journal of Innovation and Entrepreneurship, 12(3), 279–299. https://doi.org/10.1108/apjie-06-2018-0041
Reeves, M., & Whitaker, K. (2020). A guide to building a more resilient business. Harvard Business Review.
Ripain, N., Amirul, S. M., & Mail, R. (2017). Financial literacy and SMEs’ potential entrepreneurs: The case of Malaysia. Journal of Administrative and Business Studies, 3(2), 60–68.
Romarina, A. (2016). Economic Resilience Pada Industri Kreatif Gunamenghadapi Globalisasi Dalam Rangka Ketahanan Nasional. Jurnal Ilmu Sosial, 15(1), 35. https://doi.org/10.14710/jis.15.1.2016.35-52
Roziqin, A., Mas’udi, S. Y. F., & Sihidi, I. T. (2021). An analysis of Indonesian government policies against COVID-19. Public Administration and Policy, 24(1), 92–107. https://doi.org/10.1108/pap-08-2020-0039
Rumini, D. A., & Martadiani, A. M. (2020). Peran Literasi Keuangan Sebagai Prediktor Kinerja Dan Keberlanjutan Umkm Di Kabupaten Badung. INVENTORY : Jurnal Akuntansi, 4(2), 166–174.
Salignac, F., Marjolin, A., & Reeve, R. M. (2019). ). Conceptualizing and Measuring Financial Resilience : A Multidimensional Framework. Social Indicator Research : An International and Interdiciplinary Journal for Quality of Life Measurement, 145(2), 17–38.
Saputra, D. (2021). Survei BI: 87,5 persen UMKM Indonesia terdampak pandemi covid-19.
Sekar, M., & Gowri, M. (2015). A study on financial literacy and its determinants among generation Y employees in Coimbatore city. Great Lakes Herald, 9(1), 35–45.
Soeratno dan Lincolin Arsyad. (1999). Metodologi Penelitian: Untuk Ekonomi dan Bisnis. UPP AMP YKPN.
Sucianah, A., & Yuhertina, I. (2021). Gender Memoderasi Financial Literacy dan Financial Behaviour terhadap ketahanan keyangan rumah tangga milenial selama pandemi covid-19. Jurnal Proaksi, 8(2), 428–438.
Sugiyono. (2011). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta.
Susan, M. (2020). Financial Literacy and Growth of Micro, Small, and Medium Enterprises in West Java, Indonesia. International Symposia in Economic Theory and Econometrics, 27(1).
Susanti, A. (2017). Tingkat Pendidikan, Literasi Keuangan, dan Perencanaan Keuangan Terhadap Perilaku Keuangan UMKM Di Surakarta. TB, 18(1), 45–56.
Teguh, M. (2005). Metodologi Penelitian Ekonomi: Teori dan Aplikasi. PT Raja Grafindo Persada.
Walker, B., Hollings, C. S., Carpenter, S. ., & Kinzig, A. (2004). Resilience, adaptability and transformability in social. Ecological Systems, 9(5).
Yeganeh, H. (2019). An analysis of emerging trends and transformations in global healthcare. International Journal of Health Governance, 24(2), 169–180.
Zaazou, Z. A., & Salman Abdou, D. (2022). Egyptian small and medium sized enterprises’ battle against COVID-19 pandemic: March–July 2020. Journal of Humanities and Applied Social Sciences, 4(2), 94–112. https://doi.org/10.1108/jhass-09-2020-0161