The Influence of Financial Literacy and Financial Inclusion on The Performance of Msmes in Kediri City
DOI:
10.47353/ecbis.v4i1.251Published:
2025-11-26Downloads
Abstract
Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economy, yet many face challenges such as limited capital, inadequate financial literacy, and restricted access to financial services, which hinder their growth and competitiveness. This study aims to analyze the influence of financial literacy and financial inclusion on MSME performance in Kediri City, focusing on entrepreneurs who received government capital assistance in 2024. Using a quantitative approach, data were collected from 100 MSME owners through purposive sampling, with questionnaires as the primary instrument. Statistical analyses, including multiple linear regression, t-tests, F-tests, and classical assumption tests, were conducted using SPSS 24. The results reveal that both financial literacy and financial inclusion have positive and significant effects on MSME performance, with the two variables jointly explaining 71% of performance variation. These findings indicate that improving financial knowledge and expanding access to financial services can substantially enhance MSME productivity, competitiveness, and sustainability. The study highlights the importance of targeted financial education and inclusive financial policies to strengthen the resilience and long-term growth of MSMEs in regional economies
Keywords:
Financial Literacy Financial Inclusion MSMEs PerformanceReferences
Bude, ECG, & Utami, ES (2024). Pengaruh Literasi Keuangan Dan Inklusi Keuangan Terhadap Kinerja Umkmkecamatan Sedayu Kabupaten Bantul Yogyakarta. Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntansi), 8(1), 3.
Fadilah, I., Rahman, S., & Anwar, M. (2022). Analisis pengaruh Literasi Keuangan, Inklusi Keuangan, dan Financial Technology terhadap kinerja Usaha Mikro Kecil Menengah (UMKM) di Kota Bandung. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 5(3), 1347–1354. https://doi.org/10.32670/fairvalue.v5i3.2419
Hartina, Goso, G., & Palatte, MH (2023). Analisis Dampak Literasi Keuangan dan Keuangan Terhadap Kinerja Keuangan UMKM. SEIKO : Journal of Management & Business, 6(1), 644–651. https://doi.org/10.37531/sejaman.v6i1.3874
Hilmawati, MRN, & Kusumaningtias, R. (2021). INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN SEKTOR USAHA MIKRO KECIL MENENGAH. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(1), 135–152. https://doi.org/10.21831/nominal.v10i1.33881
Kusuma, M., Narulitasari, D., & Nurohman, YA (2021). INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANJUTAN UMKM DI SOLO RAYA. Jurnal Among Makarti, Vol. 14 No, 62–76.
Nur Hamida, R., Diana, N., & Accounting Studies, P. (2023). Pengaruh Literasi Keuangan, Akses Permodalan, dan Minat Menggunakan E-Commerce Terhadap Kinerja UMKM (Studi Kasus pada Pelaku UMKM di Kota Kediri). In e_Jurnal Ilmiah Riset Akuntansi (Vol. 12). http://jim.unisma.ac.id/index.php/jra,
Rahadjeng, ER, Pratikto, H., Mukhlis, I., Restuningdiah, N., & Mala, IK (2023). The impact of financial literacy, financial technology, and financial inclusion on SME business performance in Malang Raya, Indonesia. Journal of Social Economics Research, 10(4), 146–160. https://doi.org/10.18488/35.v10i4.3509
Rani, GM, & Desiyanti, R. (2024). Pengaruh Literasi Keuangan, Inklusi Keuangan dan Digital Payment Terhadap Kinerja UMKM Makanan & Minuman di Kota Padang. EKOMABIS: Jurnal Ekonomi Manajemen Bisnis, 5(02), 161–174. https://doi.org/10.37366/ekomabis.v5i02.1403
Tetikriyani, E. (2024). Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Pengelolaan Keuangan terhadap Kinerja UMKM Kota Yogyakarta. UMMagelang Conference Series, 180-188. https://doi.org/10.31603/conference.11994
License
Copyright (c) 2025 Dika Dimas Putra, Afif Nur Rahmadi, Angga Rizka Lidiawan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Downloads
How to Cite
