PEMODELAN STRUKTURAL ECONOMIC LITERACY DAN FINANCE LITERACY TERHADAP KEBERLANJUTAN USAHA MELALUI ENTREPRENEUR LITERACY

Muhammad Yusuf, Nur Sandi Marsuni, Mutahira Nur Insirat, Aulia Aulia

Abstract


ABSTRAK

UMKM Kabupaten Gowa, dinyatakan bahwa UMKM di kawasan wisata alam Malino masih berada pada zona usaha kecil dan keberlanjutan usaha belum mendapat perhatian yang cukup dari para pelaku UMKM, padahal kawasan tersebut merupakan salah satu ikon pariwisata dan penggerak ekonomi hijau di Kabupaten Gowa. Penelitian yang bertujuan untuk mengungkap dan mengetahui pengaruh literasi ekonomi dan literasi keuangan terhadap keberlangsungan usaha melalui literasi wirausaha sebagai variabel intervening pada pelaku UMKM di kawasan wisata alam Malino. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan metode survei. Populasi dalam penelitian ini adalah UMKM yang berada di kawasan wisata Malino Kabupaten Gowa dan dalam memperoleh sampel yang representatif digunakan rumus Slovin sehingga jumlah sampel dalam penelitian ini sebanyak 62 UMKM yang diperoleh dengan menggunakan teknik purposive random sampling. Instrumen pengumpulan data menggunakan kuesioner skala likert dan teknik analisis data yang digunakan adalah analisis jalur (path analysis). Hasil penelitian menunjukkan bahwa literasi ekonomi dan literasi finansial berkontribusi penting terhadap peningkatan entrepreneur literacy para pelaku UMKM di kawasan wisata alam Malino.

Kata kunci : Keberlanjutan Usaha, Literasi Pengusaha, Literasi Keuangan, Literasi Ekonomi, UMKM

ABSTRACT

MSMEs in Gowa Regency, it is stated that MSMEs in the Malino nature tourism area are still in the small business zone and business sustainability has not received sufficient attention from MSME actors, even though the area is one of the icons of tourism and a driver of the green economy in Gowa Regency. This study aims to uncover and understand the influence of economic literacy and financial literacy on business sustainability through entrepreneurial literacy as an intervening variable among SMEs in the Malino natural tourist area. This study is a quantitative study using a survey method. The population in this study is MSMEs located in the Malino tourist area of Gowa District, and to obtain a representative sample, the Slovin formula was used, resulting in a sample size of 62 MSMEs obtained through purposive random sampling. The data collection instrument used a Likert scale questionnaire, and the data analysis technique used was path analysis. The results of the study indicate that economic literacy and financial literacy play a significant role in enhancing entrepreneurial literacy among SME operators in the Malino natural tourist area.

Keywords: Business Sustainability, Entrepreneur Literacy, Financial Literacy, Economic Literacy, MSMEs


Keywords


Business sustainability, entrepreneur literacy, literacy financial, literacy economic, UMK

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DOI: http://dx.doi.org/10.35906/jurakun.v11i2.2392

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