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All Journal Jurnal Ekonomi dan Kewirausahaan Sidoluhur Journal of Economics, Entrepreneurship, Management Business and Accounting Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Fundamental and Applied Management Journal Optimal: Jurnal Ekonomi dan Manajemen
Setyaningsih Sri Utami
Fakultas Ekonomi Universitas Slamet Riyadi Surakarta
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Literasi Keuangan, Inklusi Keuangan dan Sikap Keuangan Terhadap Pengelolaan Keuangan pada UMKM Kuliner di Alun-Alun Selatan Surakarta Latifatunnisa Latifatunnisa; Setyaningsih Sri Utami
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/bexyyz47

Abstract

This study is a survey-based research project focusing on culinary MSME (Micro, Small, and Medium Enterprises) at the Southern Square (Alun-Alun Selatan) of Surakarta. The objective of the study is to determine the influence of financial literacy, financial inclusion, and financial attitude on the financial management practices of these culinary MSME. This is a quantitative study utilizing primary data collected through questionnaires distributed to the respondents. The study population consists of culinary MSME operators at the Southern Square of Surakarta, comprising 100 respondents categorized into 40 shelter-based vendors and 60 tent-based vendors selected using a census sampling technique. Data analysis involved multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that financial literacy, financial inclusion, and financial attitude each have a significant influence on the financial management of culinary MSMEs at the Southern Square of Surakarta. The calculated F-value was 49.904 with a significance level of 0.000 (p < 0.05), indicating that the regression model is appropriate for examining the effects of financial literacy, financial inclusion, and financial attitude on financial management. The adjusted R-square value was 0.597, meaning that the combined contribution of financial literacy, financial inclusion, and financial attitude to financial management is 40.3%.
Pengaruh Modal Usaha, Jam Kerja dan Lama Usaha terhadap Pendapatan UMKM : (Survei pada Pedagang Ikan Asap di Waduk Kedungombo Grobogan Jawa Tengah) Resti Laila Giyona; Setyaningsih Sri Utami
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 4 No. 3 (2024): September: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v4i3.4098

Abstract

Income is the amount of money or value obtained by an individual or company from economic activities carried out, such as the sale of goods, services or investments. Income is usually used as a benchmark to find out how successful the business is in obtaining profits from its business activities. The higher the income, it can be said that the business is running well. This study was used to analyze the influence of business capital, working hours and business duration on MSME Income (Survey on smoked fish traders in Kedungombo Reservoir, Grobogan, Central Java). The population of this study is smoked fish MSME actors In the Kedungombo reservoir, Grobogan, Central Java, totaling 60 traders. The sample of this study was taken from a total of 60 traders. The type of data used is quantitative data, the data source used is primary data. The sampling technique in this study is the saturated sample method or also called census. The data collection technique uses a questionnaire through validity and reliability tests. The data analysis technique uses classical assumption tests, namely multicollinearity test, autocorrelation test, heteroscedasticity test, normality test and hypothesis test using multiple linear regression analysis, t-test, f-test, R2 test. The results show that business capital has a non-significant effect on MSME income while working hours and business length have a significant effect on MSME income.
Co-Authors Abet Setyoko Betrinasih Aldina Candra Ayuning Pawestri Dini Kharismasuni DJOKO KRISTIANTO Dorothea Ririn Indriastuti Dorothea Ririn Indriastuti Dwi Puji Lestari Edi Wibowo . Erna Ismiati Fika Elfiana Ida Indriyani Masruroh Intan Okvi Dewi Junita Dermawantika Krida Siti Hamidah Latifatunnisa Latifatunnisa Nuri Astuti Resti Laila Giyona Riski Widityas Ratih Rizal Rohmad Evendi Rolan Mart Sasongko Rolan Mart Sasongko Sekar Mayang Sari Sumaryanto Sumaryanto Suprihatmi Sri Wardiningsih Untung Sriwidodo Winarsih Winarsih