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Pengaruh Faktor Demografi Dan Literasi Keuangan Terhadap Kinerja Keuangan Umkm Di Kota Malang: Locus 0f Control Sebagai Variabel Intervening Palasari, Rr. Suci; Safitri, Amindiah; Wijayanti, Danira Irin
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1573

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh faktor demografi dan literasi keuangan terhadap kinerja keuangan UMKM di Kota Malang dengan locus of control sebagai variabel intervening. Jenis penelitian ini kuantitatif, data dikumpulkan melalui survei terhadap 100 responden pelaku UMKM dan dianalisis menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa faktor demografi tidak berpengaruh signifikan terhadap locus of control maupun kinerja keuangan. Sebaliknya, literasi keuangan memiliki pengaruh positif dan signifikan terhadap locus of control, yang selanjutnya berdampak pada peningkatan kinerja keuangan. Locus of control terbukti menjadi variabel mediasi yang signifikan dalam hubungan antara literasi keuangan dan kinerja keuangan, meskipun peran mediasi ini masih tergolong rendah. Namun, locus of control tidak berperan sebagai mediator dalam hubungan antara faktor demografi dan kinerja keuangan. Implikasi dari penelitian ini menunjukkan bahwa peningkatan literasi keuangan harus disertai dengan penguatan locus of control agar lebih efektif dalam meningkatkan kinerja keuangan UMKM. Selain itu, strategi peningkatan kinerja keuangan UMKM sebaiknya tidak hanya berfokus pada faktor demografi, tetapi juga pada faktor lain seperti akses modal, inovasi bisnis, dan adopsi teknologi.
How does Women Entrepreneurship Matter to Financial Performance? Insights from Entrepreneurs Accessing Islamic Microfinance Services Palasari, Rr. Suci; Yuniarti, Sari; Apriyanto, Gaguk; Subiantoro, Edi; Haryanto, Sugeng
Journal of Accounting Research, Organization and Economics Vol 6, No 3 (2023): JAROE Vol. 6 No. 3 December 2023
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v6i3.34460

Abstract

Objective This research aims to analyze the influence of women's entrepreneurship orientation on financial performance. It specifically focuses on women entrepreneurs, acknowledging their proven significant contributions to society and the country through MSME businesses.Methodology This paper explores the potential for women's involvement in diverse productive activities through MSME businesses aimed at enhancing family welfare. The research focuses on entrepreneurs accessing microfinance services through the National Amil Zakat Agency (BAZNAS) Malang, Indonesia, encompassing a total of 250 MSMEs. The final sample consists of 153 women entrepreneurs. The study employs a descriptive quantitative approach, utilizing questionnaires and annual financial reports. Partial Least Squares (PLS) analysis is conducted using the Smart-PLS program.Results The findings highlight the significance of womens entrepreneurship orientation in driving the financial performance of MSMEs. This study also indicated that indicators of women's entrepreneurship orientation that significantly contribute to financial performance include internal locus of control, characteristics of a womens entrepreneur having high initiative. Second, the need for achievement is represented by a characteristic of a woman entrepreneur who can contribute to better performance. Third, self-reliance is represented by the characteristics of a womens entrepreneur able to be responsible in running her business. Lastly, extroversion is represented with characteristics of an energetic womens entrepreneur are full of enthusiasm in running her business. It emphasizes the positive impact that such orientation can have on the financial outcomes of microenterprises, particularly when considering the business tenure they have been operating.Research limitations/implications This research collected data from various types and levels of business sectors, making it less focused. Additionally, the respondents were only those residing in the city of Malang, while BAZNAS has a broader geographical coverage.Novelty/Originality This implies that women's entrepreneurship orientation is crucial for the growth of microbusiness practitioners. Notably, those with a strong entrepreneurial mindset usually achieve good financial performance.