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Journal : Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal

Pengaruh Resiliensi Baitul Maal Wa Tamwil, Inklusi dan Literasi Keuangan Terhadap Resiliensi Usaha Mikro Selama Covid-19: The Effect of Resilience Baitul Maal Wa Tamwil, Financial Inclusion and Financial Literacy on Micro Enterprise Resilience During Covid-19 Dzikrina Fikrotus Salma; Eko Ruddy Cahyadi; Purwanto, Budi
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, Januari 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.228

Abstract

Micro business is the sector that has been hit the hardest by the Covid-19 Pandemic. Business capital assistance is the assistance most needed by micro businesses. However, micro enterprises have barriers to access and use of finance. This study aims to analyze the effect of BMT resilience, financial inclusion and financial literacy on the resilience of micro-enterprises during the Covid-19 pandemic with a total of 150 micro-enterprises and 18 BMT respondents in Brebes Regency. Data processing method in the form of quantitative descriptive analysis using SEM-PLS. The results of this study show that the resilience of micro-enterprises during the Covid-19 pandemic was influenced by BMT financial inclusion and financial literacy. BMT makes it easier for micro-enterprises who are unbankable to gain access to financial institutions to obtain business capital and provide basic knowledge about basic financial management so they can survive during a crisis due to a pandemic. On the other hand, BMT as a financial institution requires efforts to remain resilient in the face of the Covid-19 pandemic, among internal and external factors that have a significant effect on BMT resilience are strengthening human resources, capital, management, regulatory compliance, supervision and infrastructure. Keywords: BMT resilience, business resilience, Covid-19 Pandemic, financial inclusion, financial literacy
Co-Authors A.N, Shafira A.W, Rose Abdul Kohar Irwanto Adriyanto, Agus Agus Gunawan Agus Supriadi Agustinus Agustinus Ahsin, Awaludin Akhmad Tri Prasetyo Amir Yarkhasy Yuliardi Amperanoto, Agus Anggi Angga Resti Apriyanto, I Nengah Putra Ardhanarespati, Panji Arief Sabdo Yuwono Arief, Riana Aryani Arisanti, Ivon Askunala Wikan, Preti Aswandi . Aulia Andi Mustika Ayuning Atmasari, Ayuning Ayuningtyas Palupi, Risqi Ekanti Azzahra, Annisa Afni Budi Prasetyo Cabral, Mario Daniel Dewantoro Rumani Daradjat, Hanan Dasryanto, Dasryanto Dinar, Tagrid Dwilingga Ramdaniar, Boya Dzikrina Fikrotus Salma E, Wita Juwita Eka Maya Kurniasih, Eka Maya Ekanti Palupi, Risqi Eko Ruddy Cahyadi Eko Widodo Fauzan Heru Santhoso Febrita, Joana Fifi Gus Dwiyanti Fikrotus Salma, Dzikrina Firdaus, Randi Gentio Harsono Gian Pertela H. Harianja, Alfonsus Hermialingga, Septi Heryoso Setiyono Hidayat, M. Yusup Hudaya, Aang IBNUL QAYIM IPB, BPKB Irwanto, Bambang Jamaludin, Ali Jatihusudo, Ahmad Rafiq Juniartha, Muhammad Iqbal KINANTHI, RESTI Kunarso Kunarso Kusumaningrum Fadhilah, Nurhidayah L.P, Lolita Malik, Kurnia Marbun, Firdaus Marfiah, Yulis Widyo Marvianto, Ramadhan Dwi Matturungan, Nur Hasbullah Ma’mur, Ilzamuddin Meti Ekayani Muhammad Hendri Mulyadi, Wahyu Mulyatmojo, Ariyanto Musa Hubeis Muslim Muslim Naipospos, Tri Satya Putri Nanda Karunia Amanah Nunung Nuryartono Nurbiyanti, Nofita Nurhidayat Nurhidayat Nurmaya, Acintya Pambudianti, Feronica Fa Rozalyne Pandi Pandi, Pandi Patriadi, Andi Patrick W., Fressan Pongoh, Hentje Pranoto Suryo Herbanu Prima Respati Putra, Heriansyah Rachmawati, Annisa Devi Rafi, Salahudin Rai Sita Respati, Prima Riawati, Danik ridwan fauzi Rifnadhi, Bayu Rijaluddin, Rijaluddin Rina Mardiana Rindang Matoati, Rindang Rukmana, Adi Sani, Rianna Anwar Sarfilianty Anggiani, Sarfilianty Sari, Windi Mayang Sitepu, Samsudin Sobaruddin, Dyan Primana Speksnijder, David Suandy, Imron Sunandar Supriyanto, Taufiq Suyoso, - Tubagus Nur Ahmad Maulana Utami, Annisa Dwi Viana, Eka Dasra Wagenaar, Jaap Wahyudi . Wahyudi Wahyudi Wahyuni, Dina Puji Wahyuono, Titis Widodo S Pranowo Wirasatriya , Anindya Witama, R. Onig Wulandari Wulandari yuliningtyas, priyantika Yunita Cucikodana Zaenal Abidin Zahir Syah, Zahir