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Sri Setiawati, Sri
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Journal : Journal Of World Science

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Financial Literacy Model for MSMEs as a Financial Performance Measurement Tool (Case Study of MSMEs in Bogor, Depok, and Kuningan) Setiawati, Sri; Gursida, Hari; Indrayono, Yohanes
Journal of World Science Vol. 4 No. 2 (2025): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v4i2.1303

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy; however, they encounter various challenges in effectively managing their finances. Financial literacy serves as a pivotal factor influencing the financial performance of MSMEs. This study seeks to analyze the correlation between financial literacy and the financial performance of MSMEs across three regions: Bogor, Depok, and Kuningan. A quantitative study methodology was employed, utilizing a survey of MSME owners as respondents. Data were gathered through a questionnaire to assess financial literacy and financial performance, measured by profitability, operational efficiency, and business sustainability indicators. The findings indicate a significant relationship between the financial literacy level and MSMEs' financial performance. MSMEs exhibiting higher levels of financial literacy tend to demonstrate superior financial performance compared to those with lower levels of financial literacy. The implications of this study emphasize the necessity of enhancing financial education programs for MSME stakeholders to improve their capabilities in efficiently managing business finances.
Co-Authors AA Sudharmawan, AA Amrina, Elita Andy Setiawan Apriliani, Rina Bambang Hermanto Erwin Erwin Febrizani, Nissya Fuji Astuti Febria Grace Sharon Gumilang, Rizqa Hari Gursida Indrayono, Yohanes Irma Setyawati Jabang Nurdin Khairunisa, Khairunisa Kusmayanti, Kusmayanti Lubis, Amanda Lubis, Amanda Lestari Putri Lubis, Amanda Putri Mahdi Mahdi, Mahdi MARIA BINTANG Mazura, Novianti Miharja, Marjan Nabila, Hanifah Putri Nabila, Shalwa Sayida Nasriyanti, Mega Nazriah, Ainun Nirnasari, Meily Nurliyah, Elly Siti Nursyirwan Effendi, Nursyirwan Octavia, Santi Purnawan Purnawan Rahayu , Puji Rika Hariance Rudi Febriamansyah Saptarining Wulan, Saptarining Saputra, Christian Budi SARINAH, LISA Sinulingga, Gairah Siregar, Jenny Sista Sri Hartati Syahrizal Syahrizal Thantawi, Ahmad M. Thantawi, Ahmad Muhammad Uswatun Hasanah Wati, Liza Yonariza Yonariza, Yonariza Yuerlita Yulistriani, Yulistriani Yunarti Yunarti Zis, Sirajul Fuad