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Raflis, Ratnawati
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Pengaruh Financial Inclusion Terhadap Sustainability UMKM Di Kota Padang Raflis, Ratnawati; Findi, Fiolin Nikita
Jurnal Akuntansi Keuangan dan Bisnis Vol. 4 No. 1 (2026): April - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v4i1.4448

Abstract

This study aims to analyze the influence of Financial Inclusion on MSME Sustainability in Padang City. Financial Inclusion is measured through three dimensions: access, quality, and usage of financial services. MSME Sustainability is assessed based on financial, strategic, structural, and organizational growth. The research population consists of MSMEs registered with the Padang City Office of Cooperatives and MSMEs in 2025 across five districts: South Padang, East Padang, Koto Tangah, Kuranji, and Lubuk Begalung. Using the Krejcie and Morgan table and Proportionate Stratified Random Sampling, a sample of 379 respondents was selected. The results indicate that Financial Inclusion significantly impacts MSME Sustainability in Padang. Improved access, service quality, and usage of formal financial services lead to higher sustainability, characterized by financial stability, market adaptability, and continuous business capacity growth.
Pengaruh Financial Literacy Terhadap Sustainability UMKM Di Kota Padang Wulandari, Tesi; Raflis, Ratnawati
Jurnal Akuntansi Keuangan dan Bisnis Vol. 4 No. 1 (2026): April - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v4i1.4450

Abstract

This study analyzes the influence of Financial Literacy on the Sustainability of MSMEs in Padang City. Financial literacy is measured through knowledge, behavior, and attitude indicators, while sustainability is assessed through financial growth, strategic, structural, and organizational dimensions. Using a quantitative approach, a survey was conducted with 379 MSME owners across five districts. Data analysis was performed using Structural Equation Modeling–Partial Least Square (SEM-PLS) via SmartPLS. The results indicate that Financial Literacy has a positive and significant effect on Sustainability, with a coefficient of 0.527, a t-value of 14.215 (>1.96), and a p-value of 0.000 (<0.05). The R-Square value of 0.278 suggests that financial literacy explains 27.8% of the variation in sustainability, while other factors account for the remainder. These findings confirm that higher financial literacy among MSME owners leads to greater business sustainability, enabling them to navigate economic challenges more effectively.
Co-Authors ., Firsta ., Indrayeni ., Maivalinda ., Murnati ., Nini ., Rahmaita Afriansyah Afriansyah Azman, Heru Aulia Dewi, Aminar Sutra Enny Arita, Enny Arita Fernanda, Dedi Findi, Fiolin Nikita Hasnita RC, Rita Sri Indrayeni, Indrayeni Izati, Nurul Lucy Chairoel Maivalinda, Maivalinda Martha, Lidya Maryanti, Eka Mayliza, Riri Mochammad Imron Awalludin Muhamad Irfan Florid Murniati . Muthma'inah, Muthma'inah Nini, Nini Putra, Mhd Arif Perdana Rahmaita Rahmaita, Rahmaita Riski, Tri Rachmat Sovita, Ingra Sulistianingsih, Henny Tahirah, Khadijah Ath Thahirah, Khadijah Ath Turay, Tiara Wijaya, Riani Sukma Wulandari, Tesi Yan Fitri, Mellyna Eka Zai, Tri Swastati Faozi