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All Journal JURNAL ECONOMIA Jurnal Ekonomi Kuantitatif Terapan Jurnal Ekonomi dan Bisnis Jagaditha Abdimas JEJAK Journal of Rural Indonesia International Research Journal of Management, IT & Social Sciences Jurnal Pengabdian Pada Masyarakat Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen JURNAL MANAJEMEN BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks International Journal of Social Science and Business JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Pendidikan Akuntansi dan Keuangan J-Dinamika: Jurnal Pengabdian Kepada Masyarakat JPPM (Jurnal Pengabdian dan Pemberdayaan Masyarakat) Jurnal Ilmiah Akuntansi dan Bisnis Abdimas Universal Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Penelitian Manajemen Terapan (Penataran) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) ABDI MOESTOPO: Jurnal Pengabdian pada Masyarakat Jurnal Abdi Masyarakat Indonesia Jurnal Bina Bangsa Ekonomika Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Majalah Ilmiah Widyacakra Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Pengabdian Kepada Masyarakat SEWAGATI JAMAS: Jurnal Abdi Masyarakat INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen JAS (Jurnal Akuntansi Syariah)
I Made Suidarma
Universitas Pendidikan Nasional
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : JAS (Jurnal Akuntansi Syariah)

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Financial Literacy Can Overcome Barriers To MSME Financing: Evidence From Indonesia Suidarma, I Made; Widiantari, Komang Sri; Masno, Masno; Sukarnasih, Desak Made; Armanid, Aura; Marsudiana, I Dewa Nyoman
JAS (Jurnal Akuntansi Syariah) Vol 8 No 2 (2024): JAS (Jurnal Akuntansi Syariah) - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v8i2.2050

Abstract

This study aims to analyze the influence of financial literacy, debt management literacy, budgeting literacy, banking service literacy, and bookkeeping literacy on financing constraints for Micro, Small, and Medium Enterprises (MSMEs). The research population comprises 16,574 MSMEs in Badung Regency, Bali, Indonesia. This study uses primary data from questionnaires distributed via social media using Google Forms to respondents according to the criteria. The data collection technique used a questionnaire consisting of respondents' identities and six points related to financial literacy, measured by a 5-point Likert scale. Sampling used random sampling; the number of samples was measured using the Yamane formula approach to obtain a sample of 391 MSMEs. The data analysis method uses SEM-PLS, with the help of the SmartPLS tool, to test external models, internal models, and hypotheses. The study results revealed that financial literacy, debt management literacy, budgeting literacy, banking service literacy, and bookkeeping literacy positively influence financial constraints in MSMEs. A better understanding of debt management and bookkeeping also reduces financial constraints. This research expands the financial management theory by integrating five dimensions of financial literacy in one comprehensive model, which helps MSMEs improve financial literacy and reduce barriers to access to financing for sustainable business growth.
Co-Authors A.A. Gde Putra Pemayun Adyatna Wedananta, Kadek Antara, I Putu Candra Wiguna Arischa Bellanie Adryas Armanid, Aura Astari, Made Leony Milenia Ayu Trisnadewi, Ni Kadek Desak Made Febri Purnama Sari Desak Made Sukarnasih Gusi Putu Lestara Permana Gusti Ayu Putu Manik Rahayuningsih I Dewa Ketut Gede Prabawa I Dewa Nyoman Marsudiana I Dewa Nyoman Marsudiana I Dewa Nyoman Marsudiana I G. A. Desy Arlita I Gede K. Ananta Yoga I Gede Sanica I Gusti Ngurah Putra Suryanata I Kadek Yudha Pramana Putra I Ketut Alit Putra I Ketut Nurcita I Ketut Sudama I Komang Dicky Tri Denis I Made Dwi Aya Praditya I Made Sudiksa I Nyoman Anggaradana I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Arta Yasa I Nyoman Sunarta I Nyoman Taun I Putu Denny Dwipayana I Wayan Sukadana I Wayan Sunia I Wayan Sunia Ida Ayu Oka Martini K. Ranata Harischandra Kadek Ovy Satyawati Ketut Elly Sutrisni Komang Sri Rahayu Komang Sri Widiantari Komang Sri Widiantari Lestari, Putu Nina Eka Luh Ayu Rsiani Luh Bonita Paramadewi Luh Sri Puspita Dewi Made Arya Segara Wilis Made Kembar Sri Budhi Mahadewi, Ida Ayu Gd. Dian Febby Maharani, Made Diah Pradnya Marsudiana, I Dewa Nyoman Masno, Masno Mila Rahayu Damayanti Ni Kadek Sri Puspayani Ni Ketut Arniti Ni Ketut Elly Sutrisni, Ni Ketut Elly Ni Komang Puspita Astari Ni Luh Ayu Sri Antini Ni Nyoman Afrita Ni Nyoman Sunariani Ni Putu Alia Putri Pradnyani Ni Putu Linda Kusumawati Ni Putu Nina Eka Lestari Ni Wayan Lasmi Noviyanti, Ni Putu Ratih Nuraga, Ketut Nyoman Djinar Setiawina Prawitasari, Putu Putu Cita Ayu Rifqi Nur Fakhrurozi Sugara Yasa, I Wayan Sumantri, I. GA. Alit Suoth, Verrel Renaldy Suriana, I Wayan Widiantara, I Made Yasa, I Wayan Sugara Yoga, I Wayan Suprapta Yundari, Yundari