PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, KONTROL DIRI TERHADAP KEBERLANGSUNGAN USAHA MIKRO KECIL STAINLESS STEEL DI KABUPATEN SIDOARJO

Rizky Oktavian  Ramadhan; Achmad  Zaki; Cynthia Eka  Violita; Devika Cherly  Putrihadiningrum

doi:10.34127/jrlab.v15i2.2285

Authors

Rizky Oktavian Ramadhan Universitas Nahdlatul Ulama Sidoarjo
Achmad Zaki Universitas Nahdlatul Ulama Sidoarjo
Cynthia Eka Violita Universitas Nahdlatul Ulama Sidoarjo
Devika Cherly Putrihadiningrum Universitas Nahdlatul Ulama Sidoarjo

DOI:

https://doi.org/10.34127/jrlab.v15i2.2285

Keywords:

Financial Literacy, Financial Inclusion, Self Efficacy, Sustainability of MSE

Abstract

This study aims to examine the influence of literasi keuangan, inklusi keuangan and self-efficacy on the sustainability of micro and small enterprises (a study of stainless steel entrepreneurs in Sidoarjo Regency). This is a quantitative study employing an associative-causal approach using primary data collected via a questionnaire distributed to 39 respondents. The sample for this study was determined using a saturated sample. The data were analysed using PLS-SEM via SmartPLS 4. The results indicate that literasi keuangan has a negative but insignificant effect on the sustainability of MSMEs, inklusi keuangan has a positive but insignificant effect on the sustainability of MSMEs, and self-efficacy has a positive and significant effect on the sustainability of MSMEs. Thus, psychological factors in the form of business owners’ self-efficacy are the primary determinants compared to technical factors such as literasi keuangan and access to finance in this study.

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