TRANSFORMASI PENGELOLAAN KEUANGAN UMKM KULINER DI JOMBANG MELALUI LITERASI KEUANGAN DIGITAL DAN DIGITAL PAYMENT: PERAN MEDIASI PERILAKU KEUANGAN
Abstract
Penelitian ini bertujuan menganalisis pengaruh literasi keuangan digital dan digital payment terhadap kinerja keuangan UMKM kuliner di Kabupaten Jombang serta menguji peran mediasi perilaku keuangan dalam hubungan tersebut. Penelitian menggunakan pendekatan kuantitatif dengan desain explanatory research. Data primer dikumpulkan melalui kuesioner berskala Likert lima tingkat kepada 80 pelaku UMKM kuliner yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan dengan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM) menggunakan SmartPLS 3 melalui pengujian model pengukuran, model struktural, bootstrapping, dan efek tidak langsung. Hasil penelitian menunjukkan bahwa literasi keuangan digital tidak berpengaruh signifikan terhadap kinerja keuangan (β = 0,146; p = 0,266), demikian pula digital payment tidak berpengaruh signifikan terhadap kinerja keuangan (β = 0,181; p = 0,076). Sebaliknya, literasi keuangan digital berpengaruh positif dan signifikan terhadap perilaku keuangan (β = 0,449; p < 0,001), digital payment berpengaruh positif dan signifikan terhadap perilaku keuangan (β = 0,296; p = 0,001), dan perilaku keuangan berpengaruh positif dan signifikan terhadap kinerja keuangan (β = 0,540; p < 0,001). Perilaku keuangan juga terbukti memediasi pengaruh literasi keuangan digital (β = 0,242; p = 0,008) dan digital payment (β = 0,160; p = 0,020) terhadap kinerja keuangan. Temuan ini menegaskan bahwa pengetahuan dan teknologi keuangan akan memberikan dampak lebih optimal apabila diterjemahkan ke dalam perilaku pengelolaan keuangan yang baik. Penelitian berkontribusi secara empiris dalam memperkuat pentingnya perilaku keuangan sebagai mekanisme transformasi kapabilitas digital menjadi peningkatan kinerja UMKM.
Downloads
References
Awwaliyah, I. N., Sumani, S., Singgih, M., & Widodo, R. (2023). How does digital financial literacy relate to the financial performance of MSMEs tourism firms? The mediating role of financial behavior. Jurnal Ekonomi Bisnis dan Kewirausahaan, 12(1). https://doi.org/10.26418/jebik.v12i1.60356 DOI: https://doi.org/10.26418/jebik.v12i1.60356
Bank Indonesia. (2023). Laporan kebijakan moneter triwulan IV 2023. Bank Indonesia.
Daud, I., Nurjannah, D., Mohyi, A., Ambarwati, T., Cahyono, Y., Haryoko, A. E., Handoko, A. L., Putra, R. S., Wijoyo, H., Ari-yanto, A., & Jihadi, M. (2022). The effect of digital marketing, digital finance and digital payment on finance performance of Indonesian SMEs. International Journal of Data and Network Science, 6(1), 37–44. https://doi.org/10.5267/j.ijdns.2021.10.006 DOI: https://doi.org/10.5267/j.ijdns.2021.10.006
Hair, J. F., Howard, M. C., & Nitzl, C. (2020). Assessing measurement model quality in PLS-SEM using confirmatory composite analysis. Journal of Business Research, 109, 101–110. https://doi.org/10.1016/j.jbusres.2019.11.069 DOI: https://doi.org/10.1016/j.jbusres.2019.11.069
Kusumawardhani, R., Ningrum, N. K., & Rinofah, R. (2023). Investigating digital financial literacy and its impact on SMEs’ performance: Evidence from Indonesia. International Journal of Professional Business Review, 8(12). https://doi.org/10.26668/businessreview/2023.v8i12.4097 DOI: https://doi.org/10.26668/businessreview/2023.v8i12.4097
OECD. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing. https://doi.org/10.1787/145f5607-en DOI: https://doi.org/10.1787/145f5607-en
Otoritas Jasa Keuangan. (2022). Survei Nasional Literasi dan Inklusi Keuangan tahun 2022. OJK.
Ozili, P. K. (2018). Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review, 18(4), 329–340. https://doi.org/10.1016/j.bir.2017.12.003 DOI: https://doi.org/10.1016/j.bir.2017.12.003
Pemerintah Kabupaten Jombang. (2024). Pj. Bupati Jombang optimis bawa UMKM Jombang ke tingkat nasional dan internasional. Portal Pemerintah Kabupaten Jombang.
Prihatiningtias, Y. W., & Wipraganang, N. (2022). The impact of mobile payment on non-financial performance of SMEs during the COVID-19 pandemic. In Advances in Economics and Business Management Research. https://doi.org/10.2991/aebmr.k.220128.033 DOI: https://doi.org/10.2991/aebmr.k.220128.033
Purwidianti, W., & Tubastuvi, N. (2019). The effect of financial literacy and financial experience on SME financial behavior in Indonesia. Jurnal Dinamika Manajemen, 10(1), 40–45. https://doi.org/10.15294/jdm.v10i1.16937 DOI: https://doi.org/10.15294/jdm.v10i1.16937
Ringle, C. M., Wende, S., & Becker, J.-M. (2024). SmartPLS 4. SmartPLS. https://www.smartpls.com
Rumini, D. A., Martadiani, A. A. M., & Amlayasa, A. A. B. (2020). Peran literasi keuangan sebagai prediktor kinerja dan keberlanjutan UMKM. Akademika: Jurnal Manajemen, Akuntansi, dan Bisnis, 18(1), 58–65. https://doi.org/10.51881/jak.v18i1.55
Sarstedt, M., Ringle, C. M., & Hair, J. F. (2022). Partial least squares structural equation modeling. In C. Homburg, M. Klarmann, & A. E. Vomberg (Eds.), Handbook of Market Research (pp. 587–632). Springer. https://doi.org/10.1007/978-3-319-57413-4_15 DOI: https://doi.org/10.1007/978-3-319-57413-4_15
Sarstedt, M., Ringle, C. M., & Hair, J. F. (2022). Progress in partial least squares structural equation modeling use in marketing research in the last decade. Psychology & Marketing, 39(5), 1033–1045. https://doi.org/10.1002/mar.21640 DOI: https://doi.org/10.1002/mar.21640
Sumani, S., Awwaliyah, I. N., Suryaningsih, I. B., & Nurdin, D. (2022). Financial behavior on financial satisfaction and performance of the Indonesian batik industry. Jurnal Aplikasi Manajemen, 20(4), 821–832. https://doi.org/10.21776/ub.jam.2022.020.04.06 DOI: https://doi.org/10.21776/ub.jam.2022.020.04.06
Sunaryo Putra, W. B. T. (2022). Problems, common beliefs and procedures on the use of partial least squares structural equation modeling in business research. South Asian Journal of Social Studies and Economics, 14(1), 1–9. https://doi.org/10.9734/SAJSSE/2022/v14i130367 DOI: https://doi.org/10.9734/sajsse/2022/v14i130367
Wardhani, R. A., Arkeman, Y., & Ermawati, W. J. (2023). The impact of quick response adoption of payment code on MSMEs’ financial performance in Indonesia. International Journal of Social Service and Research, 3(3). https://doi.org/10.46799/ijssr.v3i3.294 DOI: https://doi.org/10.46799/ijssr.v3i3.294
World Bank. (2022). Quest to better understand the relationship between SME finance and job creation: Insights from new report. World Bank.
Copyright (c) 2023 BENI SUCIPTO BENI, Nurianah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Copyright on any article is retained by the author(s).
- The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution 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.
- The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
