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All Journal JBTI : Jurnal Bisnis : Teori dan Implementasi JURNAL MANAJEMEN Scientific Journal of Reflection : Economic, Accounting, Management and Business JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) JISIP: Jurnal Ilmu Sosial dan Pendidikan Procuratio : Jurnal Ilmiah Manajemen Journal Ilmiah Rinjani : Media Informasi Ilmiah Universitas Gunung Rinjani ADMA: Jurnal Pengabdian dan Pemberdayaan Masyarakat ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Jurnal Pengabdian Masyarakat Hasanuddin (JPMH) Journal of Artificial Intelligence and Digital Business Jurnal Ilmu Sosial dan Humaniora Jurnal Ilmiah Pengabdian dan Inovasi Jurnal Pengabdian Masyarakat dan Riset Pendidikan JUAN: Jurnal Pengabdian Nusantara ECONOMIST: Jurnal Ekonomi dan Bisnis Kreativasi: Journal of Community Empowerment Jurnal Pengabdian kepada Masyarakat IPTEKS J-CEKI Income : Digital Business Journal Journal of Business and Information System Jurnal Pengabdian Pada Masyarakat IPTEKS
Baiq Dinna Widiyasti
Universitas Bumigora, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Procuratio : Jurnal Ilmiah Manajemen

 1 
PENGARUH INKLUSI DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN UMKM DI BTPN SYARIAH Subagyo, Areebah; Widiyasti, Baiq Dinna; Nirwana, Baiq Nadia; Hendri, Wira; Jati, L. Jatmiko
Procuratio : Jurnal Ilmiah Manajemen Vol 13 No 1 (2025): Procuratio : Jurnal Ilmiah Manajemen
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/procuratio.v13i1.4863

Abstract

This research aims to test the effect of financial inclusion and test the effect of financial literacy on the financial performance of MSMEs at BTPN Syariah. This research method uses non-probability sampling with purposive sampling type. The research was conducted in Utan Regency, Sumbawa, West Nusa Tenggara with data collection techniques using questionnaires distributed directly. The respondents for this research used BTPN Syariah customers who had received guidance through MSME facilitators. This research used a sample of 93 respondents who were MSMEs and assisted customers from our bestee program at BTPN Syariah. The data analysis technique for this research uses descriptive analysis and multiple linear regression analysis with the help of SPSS software. Thus, it can be concluded that financial inclusion has a positive and significant effect on the financial performance of MSMEs, and financial literacy has a positive and significant effect on the financial performance of MSMEs. Future researchers can add other variables and increase the number of samples in the research, in order to get stronger results than previous researchers. Penelitian ini bertujuan melakukan pengujian pengaruh inklusi keuangan dan pengujian pengaruh literasi keuangan terhadap kinerja keuangan UMKM di BTPN Syariah. Metode penelitian ini menggunakan non-probability sampling dengan jenis purposive sampling. Penelitian dilakukan di Kabupaten Utan, Sumbawa, Nusa Tenggara Barat dengan teknik pengumpulan data menggunakan kuesioner yang disebarkan secara langsung. Responden penelitian ini menggunakan nasabah BTPN Syariah yang telah mendapatkan binaan melalui fasilitator pendamping UMKM. Penelitian ini menggunakan sampel sebanyak 93 responden yang merupakan pelaku UMKM dan nasabah binaan dari program kita bestee di BTPN Syariah. Teknik analisis data penelitian ini menggunakan analisis deskriptif dan analisis regresi linear berganda dengan bantuan software SPSS. Dengan demikian, dapat disimpulkan inklusi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, dan literasi keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM. Peneliti selanjutnya dapat menambahkan variabel lainnya dan meningkatkan jumlah sampel pada penelitian, agar mendapatkan hasil yang lebih kuat dibandingkan peneliti sebelumnya.
Co-Authors Algifani, M. Gaza Anggriani, Rini Ani Mayuni Anjani, Dewi Sekar Arsana, I Made Mangku Baiq Nadia Nirwana Cornelia, Cindy Elyakim Nova Supriyedi Patty, Elyakim Nova Supriyedi Fatimatul Zahrah Ferdian, Ahmad Lutfhi Hamdi, Syaid Nur Hendri, Dr. Wira Hernawati Hernawati Ibrahim, Isra Dewi Kuntary Ika Yuliana Isra Dewi Kuntary Ibrahim Izati, Hayatul Josman, Lady Faerossa Josman, Lady Faerrosa Junanda, Indri Amelia Komala, Rina Kurniawati, Erna Yovi Kusuma, Syarwana Edya Liem, Nelson M. Chothibul Umam Assa’ady MAKIAH Mariana, Dita Mulawarman, Logi Muliani, Ervina Munawardi Nopik Rifaldi Nurhapiza, Nurhapiza Nurul Azmi, Nurul Paladita, Ida Bagus Putri Amalia Wardi Putri, Dindi Sabila Iriani Raden Bagus Faizal Irany Sidharta Rangga Restu Alpiansah Rina Komala Rini Anggriani Ririhatuela, Erica Ivana Olivia Rizal Ramdani Rizky Raharjo Sahroyani, Mira Sendy Pratama Stevany Hanalyna Dethan Subagyo, Areebah Susilo Talidobel Wardi, Putri Amalia Widia Febriana Widia Febriana, Widia Wijayanti, Monica Chandra Wira Hendri Yanti, Hana Putri Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah Zahrah, Zahrah Zalmy, Nola Amelia