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All Journal JIS Siwirabuda (Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan)
SUARBAWA, I WAYAN
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Humanities Computer Science & IT Economics, Econometrics & Finance Library & Information Science Social Sciences

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PERAN LITERASI KEUANGAN DAN INKLUSI PERBANKAN DALAM MENDORONG AKSES PEMBIAYAAN UMKM Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Kusmawan, I Made Hary; Suarbawa, I Wayan; Utomo, Rochmad Bayu Utomo
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 2 (2025): JIS SIWIRABUDA September 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jurnalilmiahsainssosialkewirausahaandankebudayaan.v3i2.404

Abstract

Access to financing remains a significant barrier for Micro, Small, and Medium Enterprises (MSMEs) in developing their businesses in Indonesia. Two crucial factors in overcoming this barrier are financial literacy and banking inclusion. This study examines the relationship between bank financing, financial literacy, and banking inclusion through a literature review approach. The findings indicate that high financial literacy enables MSME actors to understand and manage financial information more effectively, thereby increasing their confidence in applying for loans. Banking inclusion, on the other hand, provides broader access for MSME actors to utilize various formal financial services, supporting the growth and sustainability of their businesses. The synergy between financial literacy and banking inclusion creates a more inclusive ecosystem, although challenges such as stringent collateral requirements and complex loan application processes still need to be addressed. Effective collaboration among financial institutions, government, and community organizations is essential to strengthen financial literacy and banking inclusion. Financial education programs tailored to the needs of MSMEs are expected to enhance their financial knowledge and skills, making them better prepared to seize financing opportunities. Sustainable collaborative efforts among various stakeholders are key to improving access to financing for MSMEs, thereby supporting inclusive and sustainable national economic growth.
Peran Literasi Keuangan Bagi Ibu Rumah Tangga Dalam Meningkatkan Kesejahteraan Keluarga Pratiwi, I Gusti Ayu Made Agung Mas Andriani; Suarbawa, I Wayan; Kusmawan, I Made Hary
Jurnal Ilmiah Sains Sosial, Kewirausahaan dan Kebudayaan Vol. 3 No. 1 (2025): JIS SIWIRABUDA Maret 2025
Publisher : Universitas Tabanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58878/jissiwirabuda.v3i1.378

Abstract

Abstract tells the basic content of writing clearly and briefly, so it can be used as guidance for the readers in determining the level of relevance towards their need in a short time. Abstract should be informative and give clear statement about the problem, approach or suggested solution, and the result that shows the solution of the problem. The abstract should 90 until 200 words longer. Abstract should be written in past tense and use nomenclature standard. It is suggested to use keywords that shows the knowledge field related to the research.
Co-Authors Kusmawan, I Made Hary Pratiwi, I Gusti Ayu Made Agung Mas Andriani Utomo, Rochmad Bayu Utomo