Pengaruh Literasi Keuangan, Modal, dan Inovasi Produk Terhadap Kinerja UMKM Di Sleman
Abstrak
Penelitian ini bertujuan untuk memberikan pengaruh literasi keuangan, modal dan inovasi produk terhadap kinerja Usaha Kecil Menengah (UMKM) di Sleman. Pengujian ini berpegang pada Resource-based view (RBV), sebuah teori keseluruhan yang menggarisbawahi fungsi aset internal suatu organisasi, dengan pengembangan organisasi berdasarkan aset dan dibatasi oleh dewan aset. Teknik pemeriksaan ini bersifat kuantitatif dengan pendekatan review, yaitu dengan melibatkan kuesioner sebagai alat pengumpulan informasi yang diisi oleh responden. Pengujian dilakukan dengan menggunakan teknik pemeriksaan nonprobabilitas. Hasil pengujian menunjukkan bahwa pendidikan moneter dan permodalan pada dasarnya berpengaruh terhadap presentasi UMKM yang ada di Sleman sehingga perlu dilakukan pelatihan dan program pendidikan terkait manajemen keuangan, perencanaan keuangan dan penyediaan program kredit dengan suku bunga yang terjangkau, pembentukan koperasi atau lembaga keuangan mikro lokal, serta pendampingan dalam mengakses dana investasi dan pembiayaan alternatif.
Kata kunci: Literasi keuangan, Modal, Inovasi Produk dan Kinerja UMKM
This research aims to provide the influence of financial literacy, capital and product innovation on the performance of Small and Medium Enterprises (MSMEs) in Sleman. This test adheres to the Resource-based view (RBV), an overall theory that outlines the function of an organization's internal assets, with organizational development based on assets and limited by the asset board. This examination technique is quantitative with a review approach, namely by involving a questionnaire as a tool for collecting information which is filled in by the respondent. Testing is carried out using non-probability examination techniques. The test results show that monetary and capital education basically influences the presentation of MSMEs in Sleman so that it is necessary to carry out training and educational programs related to financial management, financial planning and the provision of credit programs with affordable interest rates, the formation of cooperatives or local microfinance institutions, as well as assistance in accessing investment funds and alternative financing.
Keywords: Financial literacy, capital, product innovation and MSME performance
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