Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka

Authors

  • Robiatul Hikmah IAIN Syekh Nurjati Cirebon, Indonesia
  • Diana Djuwita
  • Ridwan Widagdo

DOI:

https://doi.org/10.29240/alfalah.v4i2.941

Keywords:

Literacy, Financing Effectiveness, Business Development Kata Kunci, Literasi, Efektivitas Pembiayaan, Perkembangan Usaha

Abstract

Purposes: This study aims to determine the effect partially and simultaneously between financial literacy and financing effectiveness on business development in Micro Warung financing in Bank Syariah Mandiri Majalengka Branch.Design/Methodology/Approach: This study uses a type of quantitative research. The number of samples is 80 respondents. The technique of collecting data through questionnaires and documentation.Analysis of the data used are research instruments, classical assumptions, multiple linear regression, determinant test, and hypothesis testing, research using SPSS version 20.Findings: The partial test results show that financial literacy variables have a significant positive effect on business development, financing effectiveness has a significant positive effect on development business. The simultaneous test results show that there is a positive and significant influence between financial literacy and financing effectiveness on business development. The effect of financial literacy and financing effectiveness contributes 73.12% to business development.Originality/Value: Main contribution of the article is identified from its issues selected to reach new insight on relationship between financial literation, financing effectivity toward growth of small enterprises. This, exactly, can be a model for previous research on related-issues.

Downloads

Download data is not yet available.

References

Abdul Ghofur Anshori. Perbankan Syariah di Indonesia. Yogyakarta: Gadjah Mada University Press. 2001

Arikunto, S. Prosedur Penelitian suatu Pendekatan Praktek. Jakarta: Rineka Cipta. 2006

Ghazali, Imam.. Aplikasi Analisis Multivariate Dengan Program SPSS, Semarang: Badan Penerbit Universitas Diponegoro.2006

Kasmir. Dasar-dasar Perbankan. Jakarta: PT Raja Grafindo Persada. 2008.

Lusardi, A & Mitchell, O. S. Financial Literacy and Planning: Implications for Retirement Wellbeing. 2014.

Muhammad, Pengantar Akuntansi Syariah, Jakarta : Salemba Empat, 2005

Otoritas Jasa Keuangan. Strategi Nasional Keuangan Inklusif. Jakarta. 2012

Sugiyono. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta. 2012

Sumarsan, Thomas, Sistem pengendalian Manajemen Keuangan Aplikasi dan Pengukuran Kinerja. Jakarta: PT. Permata Putri Media. 2013

Soeharto, Prawirokusumo, kewirausahaan dan manajemen usaha kecil. jogjakarta: BPFE. 2010.

Tulus Tambunan, Usaha Mikro Kecil dan Menengah di Indonesia: Isu-Isu Penting, Jakarta: LP3ES. 2012

Herdjiono Irine, Damanik Angela Lady. “Pengaruh Financial Attitude, Financial Knowledge, Parental Income terhadap Financial Management Behaviour”. Jurnal Manajemen Teori dan Terapan Vol 9, No.3 ( 2016)

Rochmi Widayanti1, Ratna Damayanti & Fithria Marwanti.. “Pengaruh Financial Literacy Terhadap Keberlangsungan Usaha (Business Sustainability) Pada UMKM Desa Jatisari”. Jurnal Ilmiah Manajemen & Bisnis Vol. 18, No. 2, (2017)

Widayati, Irin. “Faktor-Faktor yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. “. Jurnal Akuntansi dan Pendidikan, Vol 1, No. 1. (2012)

http://www.syariahmandiri.co.id, Diakses pada hari Minggu, 25 Nopember 2018 pukul 10.00 WIB.

Downloads

Published

2019-12-16

How to Cite

Hikmah, R., Djuwita, D., & Widagdo, R. (2019). Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka. AL-FALAH : Journal of Islamic Economics, 4(2), 163–180. https://doi.org/10.29240/alfalah.v4i2.941

Issue

Section

Articles

Citation Check