Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Vol. 4 No. 11 (2025)

PENGARUH LITERASI KEUANGAN, DIGITALISASI KEUANGAN, DAN MODAL USAHA TERHADAP KEBERLANJUTAN UMKM: STUDI KASUS UMKM KERAJINAN BAMBU DI DESA WISATA SENDARI, KECAMATAN TIRTOADI, KALURAHAN MLATI, KABUPATEN SLEMAN

Dwi Ayu Kurniawati, Fahmi (Unknown)
Sri Utami, Endang (Unknown)



Article Info

Publish Date
31 Oct 2025

Abstract

This study aims to analyze the influence of financial literacy, financial digitalization, and business capital on the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Sendari Tourism Village, Tirtoadi Village, Mlati District, Sleman Regency. The background of the study stems from the problems of low understanding of MSMEs in financial management, limited access to capital, and low implementation of digitalization in financial activities that impact business sustainability. The research method used is quantitative with a multiple linear regression analysis approach using the SPSS version 21 program. The population of this study was all bamboo craft MSMEs in Sendari Tourism Village with a total of 45 respondents taken using a saturated sampling method. Data were collected through a questionnaire using a Likert scale. The results of the study indicate that financial literacy, financial digitalization, and business capital have a positive and significant effect on the sustainability of MSMEs. These findings confirm that increasing financial literacy capabilities, the use of digital technology in financial management, and the availability of adequate business capital are important factors in supporting the sustainability and development of MSMEs.

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Journal Info

Abbrev

SIBATIK

Publisher

Subject

Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

Description

SIBATIK JOURNAL merupakan jurnal ilmiah populer bidang Sosial, Ekonomi, Budaya, Teknologi, dan Pendidikan yang terbit setiap bulan. SIBATIK JOURNAL menerima naskah hasil penelitian dan hasil kajian yang memunculkan gagasan-gagasan ilmiah dan aktual di bidang Sosial, Ekonomi, Budaya, Teknologi, dan ...