The Role of Self Efficacy in Improving Financial Literacy In Msme Sustainability, Yogyakarta Special Region

Julito, Kiko Armenita and Hatta, Atika Jauharia and Hapsoro, Dody (2021) The Role of Self Efficacy in Improving Financial Literacy In Msme Sustainability, Yogyakarta Special Region. IOSR Journal of Dental and Medical Sciences (IOSR-JDMS), 20 (12). pp. 46-55. ISSN e-ISSN: 2279-0853, p-ISSN: 2279-0861

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Abstract

The role of MSMEs is very important to drive the wheels of the economy in Indonesia. This means that the Indonesian economy is supported by micro-economic activities (MSMEs). The obstacle that occurs in MSMEs is the lack of financial understanding so that it is related to efforts to improve product quality and lack of innovation. The purpose of this study is to see the effect of financial literacy and financial inclusion on the sustainability of the culinary sector SMEs registered at the Yogyakarta Cooperatives and UMKM Service which is moderated by self-efficacy. The method used is a survey method in the form of a questionnaire distributed to respondents. Questionnaires were distributed to 122 respondents, but only 65 returned questionnaires. The analytical tool used SPSS version 25. The results from the first hypothesis, financial literacy has a positive effect on the sustainability of supported SMEs. The second hypothesis, that financial inclusion has a positive effect on the sustainability of MSMEs is not supported. The third hypothesis, self-efficacy moderating financial literacy on the sustainability of MSMEs is supported. This study provides theoretical implications, namely the Resource Based View theory is used as a grand theory in explaining financial literacy and financial inclusion which is one part of business internal resources. The methodological implication is that there are inconsistent research results so that self-efficacy is used as a moderation in this study in order to be able to strengthen the influence of financial literacy on the sustainability of MSMEs.

Item Type:	Article
Uncontrolled Keywords:	financial literacy, financial inclusion, self efficacy, sustainability of MSME
Subjects:	MANAJEMEN > Manajemen Keuangan
Divisions:	Dosen STIE YKPN > Artikel > Jurnal
Depositing User:	Unnamed user with email webmaster@stieykpn.ac.id
Date Deposited:	05 Apr 2023 05:53
Last Modified:	05 Apr 2023 05:53
URI:	http://repositorybaru.stieykpn.ac.id/id/eprint/902

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