Inklusi Keuangan: Pemoderasi Literasi Keuangan Terhadap Kinerja Usaha Mikro Kecil Menengah

Abstract

Penelitian bermaksud menganalisis inklusi keuangan sebagai pemoderasi literasi keuangan terhadap kinerja usaha mikro kecil menengah (UMKM). Data penelitian diperoleh dari kuesioner yang diberikan melalui Google Form kepada pelaku Usaha Mikro Kecil Menengah di Jabodetabek. Pengambilan sampel menggunakan quota sampling, dimana jumlah sample dibatasi sampai dengan 282 responden. Partial Least Square Regression digunakan dalam analisis. WarpPLS digunakan untuk memudahkan dalam menguji peran pemoderasi. Hasil penelitian mampu membuktikan bahwa inklusi keuangan menjadi pemoderasi literasi keuangan terhadap kinerja usaha. Research intends to analyze financial inclusion as a moderation of financial literacy to the performance of micro, small and medium enterprises (MSME’s). The research data was obtained from questionnaires distributed through Google Form to owners of Micro, Small and Medium Enterprises in Jabodetabek. Sampling uses quota sampling, where the number of samples is limited to 282 respondents. Partial Least Square Regression is used as an analytical approach where WarpPLS is used to facilitate in testing the role of moderation. The results of the study proved that financial inclusion becomes a moderation of financial literacy to business performance.

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