KINERJA BERKELANJUTAN UMKM DI BALI: PERAN LITERASI KEUANGAN INOVASI FINTECH DAN INKLUSI KEUANGAN
DOI:
https://doi.org/10.30871/jama.v9i1.9398Kata Kunci:
Financial Literacy, Financial Inclusion, Fintech, Performance, Financial Literacy, Financial Inclusion, FintechAbstrak
Usaha Mikro, Kecil, dan Menengah (UMKM) di sektor industri kreatif cenderung berorientasi pada keputusan bisnis jangka pendek, yang menyebabkan stagnasi dan kurangnya arah dalam pengembangan jangka panjang. Kurangnya akses terhadap informasi yang terstruktur mengenai keuangan, pangsa pasar, dan manajemen bisnis menjadi tantangan utama bagi UMKM. Bali merupakan salah satu provinsi dengan jumlah UMKM yang cukup banyak dan memiliki potensi untuk meningkatkan perekonomian Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, inovasi fintech, dan inklusi keuangan terhadap kinerja berkelanjutan UMKM di Bali. Metode penelitian menggunakan pendekatan kuantitatif dengan literasi keuangan, inovasi fintech, dan inklusi keuangan sebagai variabel independen serta kinerja berkelanjutan UMKM sebagai variabel dependen. Data dikumpulkan melalui penyebaran kuesioner kepada 100 UMKM dan dianalisis menggunakan model persamaan struktural berbasis Partial Least Square (PLS). Hasil penelitian ini diharapkan dapat memberikan wawasan bagi pemangku kepentingan dalam merancang kebijakan yang lebih efektif guna meningkatkan daya saing dan keberlanjutan UMKM melalui peningkatan literasi keuangan, pemanfaatan teknologi keuangan, serta perluasan akses terhadap layanan keuangan formal.
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Hak Cipta (c) 2025 I Gusti Ngurah Agung Kepakisan Mandala, Putu Yudha Asteria Putri
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