Peran Efektivitas Literasi Keuangan dan Pembiayaan Syariah Terhadap Stabilitas Keuangan UMKM
-
Sriyono
*
Universitas Muhammadiyah Sidoarjo, Sidoarjo,
Indonesia
- Dhea Ariesta Putri Universitas Muhammadiyah Sidoarjo, Sidoarjo, Indonesia
- Muhammad Rizki Alwi Ardana Universitas Muhammadiyah Sidoarjo, Sidoarjo, Indonesia
- Nila Osama Universitas Muhammadiyah Sidoarjo, Sidoarjo, India
- Moch Zaky Zamani Universitas Muhammadiyah Sidoarjo, Sidoarjo, Indonesia
Abstract
MSMEs have great potential in driving macroeconomic development in Indonesia, but are faced with various internal and external challenges. This article aims to analyze the factors that affect the financial stability of MSMEs, with a focus on financial literacy and Islamic financing. The research method used is Literature Review Study (SLR), by collecting secondary data from various articles. The data analysis technique involves synthesizing and interpreting information from relevant literature. The results showed that financial literacy has a positive and significant influence on the financial performance of MSMEs. SNLIK results In 2022, the financial literacy of Indonesians reached an improved level to 49.68%, while financial inclusion increased to 85.10%. This comparison shows an increase from the 2019 National Survey on Financial Literacy and Inclusion (SNLIK) results, where financial literacy was 38.03% and financial inclusion was 76.19%. Financial literacy, which includes an understanding of financial management, financial services institutions, financial products and services, plays a crucial role in helping MSMEs make informed financial decisions. Data from the National Financial Literacy Index shows a positive increase, but further efforts are still needed to improve the financial literacy of MSMEs. In addition to financial literacy, Islamic financing from Islamic banks also contributes to improving the financial performance of MSMEs. The growth of Islamic financing over the past few years shows that Islamic banks have an important role in supporting MSMEs. However, there are still challenges such as the lack of public knowledge about Islamic banking and the lack of human resources (HR) to reach more networks. In conclusion, improving financial literacy and utilization of Islamic financing can be an effective strategy to improve the financial stability of MSMEs in Indonesia. Efforts to improve financial literacy and public understanding of Islamic finance are expected to be the focus of policies that support the growth and stability of MSMEs.
References
Akhmad, Darmawan, Sepriani Annisa, Bagis Fatmah, and Dwi Vina Rahmawati. 2021. “Pengaruh Faktor Demografi, Locus of Control, Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja Keuangan UMKM (Studi Pada Pelaku UMKM Di Wilayah Kota Banjar Patroman).” Jurnal Ilmiah Akuntansi Dan Keuangan 10(2):170–80.
Amri, A. D., L. Tiara, and B. I. Hastuti. 2023. “Analisis Pembiayaan Bank Syariah Terhadap UMKM Dan Pertumbuhan Ekonomi Di Indonesia Rentang Waktu 10 Tahun Terakhir.” Rizquna: Jurnal Hukum Dan … 1:71–90.
Bachmid, Sofyan, Indah Musyawarah, Noor Riefma Hidayah, and Dede Arseyani Pratamasyari. 2020. “Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Memilih Produk Gadai Emas Menurut Perspektif Ekonomi Islam.” Jurnal Ilmu Perbankan Dan Keuangan Syariah 2(1):70–86. doi: 10.24239/jipsya.v2i1.23.70-86.
Dahyka, Baharuddin, Amang Baso, Kamidin Masruhi, and Mas’ud Masdar. 2023. “Orientasi Pembiayaan Syariah Bagi Usaha Mikro Kecil Dan Menengah (UMKM) Di Kota Makassar.” Jurnal Akuntansi & Sistem Informasi (JASIN) 1(1):289–301.
Habibie, S. A. M., and R. P. Sari. 2023. “Menciptakan Stabilitas Keuangan Nasional Melalui Peran Akademisi Membangun Jiwa Local Pride Di Era Society 5.0 Dari Kampus Untuk Negeri (Studi Kasus ….” … of National Conference on Accounting & … 5(2022):475–82. doi: 10.20885/ncaf.vol5.art1.
Hendri, Bahrul Ma’ani, and Habriyanto. 2023. “Efektivitas Pembiayaan Bank Pembiayaan Rakyat Syari’ah (BPRS) Syarikat Madani Pada Usaha Mikro Kecil Menengah (UMKM) Di Kota Batam.” Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora 1(1):30–40. doi: 10.61104/jq.v1i1.13.
Indah Suci Rahmadani, Tuti Meutia, and Nasrul Kahfi Lubis. 2022. “Systematic Literatur Review: Pengaruh Literasi Keuangan, Kompetensi Sumber Daya Manusia Dan Efektivitas Penggunaan Bpum Terhadap Kinerja Umkm.” Jurnal Manajemen Riset Inovasi 1(1):143–52. doi: 10.55606/mri.v1i1.643.
Kurniati, Panca, Cholisa Rosanti, and Fadli Hudaya. 2023. “Pengaruh Perilaku Pengelolaan Keuangan Dan Literasi Keuangan Terhadap Kinerja Manajemen Keuangan Umkm (Studi Kasus Pelaku Umkm Di Kota Pekalongan).” Neraca 19(1):50–62. doi: 10.48144/neraca.v19i1.1493.
Kurniati, Panca, Cholisa Rosanti, Fadli Hudaya, Kata kunci, Perilaku Pengelolaan Keuangan, Literasi Keuangan, Kinerja Manajemen Keuangan UMKM, and Regresi Linear Berganda. 2023. “Pengaruh Perilaku Pengelolaan Keuangan Dan Literasi Keuangan Terhadap Kinerja Manajemen Keuangan Umkm (Studi Kasus Pelaku Umkm Di Kota Pekalongan) the Effect of Reputation, Trust, Norm of Reciprocity and Expected Relationships To Knowledge Sharing Behavio.” 19:50–62.
Kusumajaya, Robby Andika, and Shinta Dewi Qoriah. 2023. “Analisis Pengaruh Variabel Pembiayaan Modal, Lama Usaha Serta Modal Sendiri Terhadap Pendapatan Anggota Pelaku Umkm.” Manajemen 3(1):91–99. doi: 10.51903/manajemen.v3i1.219.
Lestari, Sry 2021. 2020. “Analisi Peranan Pembiayaan Mikro Terhadap Perkembangan UMKM Studi Kasus Pada Bank Syariah Mandiri KCP. Sibuhuan Kabupaten Padang Lawas”.” Institut Agama Islam Negeri Padang Sidimpuan 5(3):15–31.
Maulida, Alfiatul. 2020. “Fin-Tech UMKM Untuk Stabilitas Sistem Keuangan Indonesia.” Relasi : Jurnal Ekonomi 16(2):326–37. doi: 10.31967/relasi.v16i2.367.
Naufal, Muhammad Ilham, and Eko Purwanto. 2022. “Dampak Literasi Keuangan Terhadap Kinerja Keberlanjutan UMKM (Studi Kasus Industri F & B Kecamatan Sumbersari Jember).” Financial Literacy, Business Performance, Business Sustainability. 16(2):209–15.
Nindy, Safira. 2021. “Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja UMKM Pada Masa Pandemi Covid-19 (Studi Kasus Pada UMKM Kabupaten Malang.” Competitive 16(2):59–69. doi: 10.36618/competitive.v16i2.1287.
Nur’aeni, Nur’aeni, and Widyasari Widyasari. 2022. “Peran Tingkat Literasi Keuangan Syariah Dan Akses Pembiayaan Bank Syariah Terhadap Pertumbuhan Usaha Mikro Kecil Yang Dimiliki Muslim Di Kabupaten Bandung.” Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, Dan Akuntansi 14(2):116–29. doi: 10.35313/ekspansi.v14i2.4425.
Prakoso, Aryo. 2020. “Pengaruh Literasi Keuangan Terhadap Kinerja UMKM Se-Eks Karesidenan Besuki.” Valid Jurnal Ilmiah 17(2):151–61.
Pusporini, Pusporini. 2020. “PENGARUH TINGKAT LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU UMKM KECAMATAN CINERE, DEPOk.” Jurnal Ilmu Manajemen Terapan 2(1):58–69. doi: 10.31933/jimt.v2i1.315.
Putri, Mifta Novianti. 2022. “Literasi Keuangan Syariah Dan Kinerja Umkm.” Milkiyah: Jurnal Hukum Ekonomi Syariah 1(2):81–87. doi: 10.46870/milkiyah.v1i2.240.
Putri, Sedinadia. 2021. “Peran Pembiayaan Syariah Dalam Pengembangan Umkm Di Indonesia.” Al Hisab: Jurnal Ekonomi Syariah 1(2):1–11. doi: 10.59755/alhisab.v1i2.67.
Saskia, Dita Harinda, and Yulhendri Yulhendri. 2020. “Pengaruh Tingkat Literasi Keuangan Terhadap Pengelolaan Keuangan Pada Pelaku UMKM Binaan Rumah Kreatif BUMN.” Jurnal Ecogen 3(3):365. doi: 10.24036/jmpe.v3i3.9912.
Sepasthika, Labda. n.d. “ANALISIS PENGARUH PEMBIAYAAN, MODAL AWAL DAN LAMA USAHA TERHADAP PENDAPATAN UMKM (STUDI PADA NASABAH PEMBIAYAAN BPRS JABAL NUR CABANG KABUPATEN SIDOARJO).”
Septiani, Risa Nadya, and Eni Wuryani. 2020. “Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja Umkm Di Sidoarjo.” E-Jurnal Manajemen Universitas Udayana 9(8):3214. doi: 10.24843/ejmunud.2020.v09.i08.p16.
Siswanti, Indra, and Aslam Mei Nur Widigdo. 2022. “Literasi Keuangan Syariah Bagi Umkm, Sebuah Solusi Memperoleh Modal Usaha.” Jurnal Abdimas Perbanas 3(1):40–44. doi: 10.56174/jap.v3i1.473.
Suri, Amillia Atika, and Agista Berliana. 2023. “ANALISIS PEMBIAYAAN UMKM PADA BANK SYARIAH SEBAGAI UPAYA PENGEMBANGAN USAHA MIKRO, KECIL, MENENGAH (UMKM) Di INDONESIA.” Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan 3(2):850–63.
Tjahja K, R. DWI. 2022. “Smart Dashboard: Akselerasi Bagi Pengembangan UMKM Syariah.” BI Institute 814.
Copyright (c) 2023 Sriyono, Dhea Ariesta Putri, Muhammad Rizki Alwi Ardana, Nila Osama, Moch Zaky Zamani
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
