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All Journal Media Mahardhika Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) JURNAL LENTERA BISNIS Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik GREENOMIKA Jurnal Ekonomi dan Kewirausahaan West Science Nusantara Community Empowerment Review Riwayat: Educational Journal of History and Humanities Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Praktek Kerja Lapang Manajemen
Devika Cherly Putrihadiningrum
Universitas Nahdlatul Ulama Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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Journal : JURNAL LENTERA BISNIS

 1 
PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, KONTROL DIRI TERHADAP KEBERLANGSUNGAN USAHA MIKRO KECIL STAINLESS STEEL DI KABUPATEN SIDOARJO Ramadhan, Rizky Oktavian; Zaki, Achmad; Violita, Cynthia Eka; Putrihadiningrum, Devika Cherly
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2285

Abstract

This study aims to examine the influence of literasi keuangan, inklusi keuangan and self-efficacy on the sustainability of micro and small enterprises (a study of stainless steel entrepreneurs in Sidoarjo Regency). This is a quantitative study employing an associative-causal approach using primary data collected via a questionnaire distributed to 39 respondents. The sample for this study was determined using a saturated sample. The data were analysed using PLS-SEM via SmartPLS 4. The results indicate that literasi keuangan has a negative but insignificant effect on the sustainability of MSMEs, inklusi keuangan has a positive but insignificant effect on the sustainability of MSMEs, and self-efficacy has a positive and significant effect on the sustainability of MSMEs. Thus, psychological factors in the form of business owners’ self-efficacy are the primary determinants compared to technical factors such as literasi keuangan and access to finance in this study.
Co-Authors Achmad Zaki Achmad Zaki Andini, Anala Ilfi Xena Anisa Maghdalena Arizqi Kurnia Septin Boyas, Jeziano Rizkita Cynthia Eka Violita Farah Rahmawati Farida, Ucyk Nurul Ida Aju Brahma Ratih Ida Aju Brahmasari Irsyadia, Latifah Kafidin Muzakki M. Mustaqim Mufassiro, Ani Munawir Rio Anugrah Mustaqim, M. Nur Fadilah Qurratu’aini, Nafia Ilhama Ramadhan, Rizky Oktavian Vernandia, Amanda Louis Widhiatmi, Diani Arditya Siwi