PENGARUH LITERASI KEUANGAN, PENGELOLAAN KEUANGAN DAN PERILAKU KEUANGAN TERHADAP KEBERLANJUTAN KEUANGAN UMKM DI JAKARTA UTARA
Keywords:
Literasi Keuangan, Pengelolaan Keuangan, Perilaku Keuangan, Keberlanjutan Keuangan, UMKMAbstract
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, pengelolaan keuangan, dan perilaku keuangan terhadap keberlanjutan keuangan UMKM di wilayah Jakarta Utara. Penelitian menggunakan pendekatan kuantitatif dengan pengumpulan data melalui penyebaran kuesioner kepada pelaku UMKM di Jakarta Utara. Penentuan sampel dilakukan dengan metode purposive sampling berdasarkan kriteria yang telah ditentukan. Data yang terkumpul selanjutnya dianalisis menggunakan metode regresi linier berganda untuk menguji pengaruh variabel independen terhadap variabel dependen. Hasil penelitian menunjukkan bahwa literasi keuangan tidak berpengaruh signidikan terhadap keberlanjutan keuangan. Pengelolaan keuangan dan perilaku keuangan berpengaruh positif dan signifikan terhadap keberlanjutan keuangan. Hal ini menunjukkan bahwa peningkatan pemahaman keuangan, kemampuan dalam mengelola keuangan, serta perilaku keuangan yang baik akan mendorong meningkatnya keberlanjutan keuangan usaha. Penelitian ini diharapkan dapat menjadi referensi bagi pelaku UMKM dalam meningkatkan praktik pengelolaan keuangan serta menjadi dasar pertimbangan bagi pemangku kepentingan dalam merumuskan kebijakan.
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