Pengaruh financial literacy, financial technology, dan entrepreneurial orientation terhadap kinerja UMKM
DOI:
https://doi.org/10.26740/jim.v13n2.p447-459Keywords:
entrepreneur orientation, financial literacy, financial technology, MSMEs, SME performanceAbstract
This research aims to investigate the impact of financial literacy, financial technology, and entrepreneurial orientation on the performance of MSMEs in Mojokerto, East Java. The type of data used is quantitative data sourced from primary data. The population of this research is all MSMEs in Mojokerto, East Java. The sample retrieval technique used in this research involved saturated samples, yielding 61 MSMEs as samples. We analysed the data using logistic regression and calculated the results using IBM SPSS 26. The research results show that financial literacy, financial technology, and entrepreneurial orientation do not have a significant impact on MSMEs. Therefore, becoming a successful entrepreneur is not easy; starting is easy, but surviving requires considerable effort and sacrifice. The success of an entrepreneur lies in one's own mindset. The main requirement for success in business is to have a positive mindset, as it can provide strong motivation to achieve for those who don't give up easily.
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Akmal, H., & Saputra, Y. E. (2016). Analisis tingkat literasi keuangan. Jurnal Ekonomi dan Bisnis Islam, 1(2), 235–244.
Anderson, B. S., Kreiser, P. M., Kuratko, D. F., Hornsby, J. S., & Eshima, Y. (2015). Reconceptualizing entrepreneurial orientation. Strategic Management Journal, 36(10), 1579–1596. https://doi.org/10.1002/smj.2298
Astuti, S. A. D. (2021). Dampak Covid-19 terhadap ketenagakerjaan dan UMKM di Mojokerto. Jurnal Inovasi Penelitian, 1(9), 1–28. https://doi.org/10.57229/2373-1761.1304
Badan Pusat Statistik Kota Mojokerto. (2023, Februari 28). Kota Mojokerto dalam angka 2023. Diakses 9 Mei 2025, dari https://mojokertokota.bps.go.id/id/publication/2023/02/28/45826202df1d7b24588a4e0d/kota-.mojokerto-dalam-angka-2023.html
Badan Pusat Statistik Provinsi Jawa Timur. (2019, Oktober 10). Banyaknya desa/kelurahan menurut sarana perdagangan dan akomodasi, 2018. Diakses 10 Mei 2025, dari https://jatim.bps.go.id/id/statistics-table/1/MTc1NiMx/banyaknya-
Bahiu, E. L. U., Saerang, I. S., & Untu, V. N. (2021). Pengaruh literasi keuangan, pengelolaan keuangan terhadap keuangan UMKM di Desa Gemeh Kabupaten Kepulauan Talaud. Jurnal EMBA, 9(3), 1819–1828. https://doi.org/10.35794/emba.v9i4.37229
Bouncken, R. B., Lehmann, C., & Fellnhofer, K. (2016). The role of entrepreneurial orientation and modularity for business model innovation in service companies. International Journal of Entrepreneurial Venturing, 8(3), 237–260. https://doi.org/10.1016/j.jbusres.2016.01.004
Depnaker. (2003). Undang-Undang Republik Indonesia No. 13 Tahun 2003 tentang Ketenagakerjaan. Jakarta: Departemen Tenaga Kerja Republik Indonesia.
Ekowati, R., & Suwandi, E. D. (2021). Niat mahasiswa dalam berinvestasi saham. Jurnal Ilmiah Mahasiswa Manajemen Bisnis dan Akuntansi, 3(1), 87–98.
Farhan, M. T., Eryanto, H., & Saptono, A. (2022). Pengaruh literasi digital dan orientasi kewirausahaan terhadap kinerja usaha UMKM: Studi pada UMKM sektor food and beverage di Jakarta Selatan. Transekonomika: Akuntansi, Bisnis dan Keuangan, 2(6), 35–48. https://doi.org/10.55047/transekonomika.v2i6.265
Frank, H., Kessler, A., & Fink, M. (2010). Entrepreneurial orientation and business performance: A replication study. Schmalenbach Business Review, 62(9), 175–198. https://doi.org/10.1007/BF03396804
Garman, E. T., & Forgue, R. E. (2010). Personal finance: International edition. Cengage Learning.
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(6), 80–105. https://doi.org/10.1111/ijcs.12605
Heret, N. P., Dince, M. N., & De Romario, F. (2022). Pengaruh literasi keuangan terhadap perilaku keuangan ibu rumah tangga Desa Rubit Kecamatan Hewoloang. Accounting UNIPA: Jurnal Akuntansi, 1(2).
Bank Indonesia. (2017). Statistik ekonomi dan keuangan Indonesia. Jakarta: Bank Indonesia.
Indonesia. (2008). Undang-Undang Republik Indonesia Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan Menengah. Jakarta: Pemerintah Republik Indonesia.
Keh, H. T., Nguyen, T. T. M., & Ng, H. P. (2007). The effects of entrepreneurial orientation and marketing information on the performance of SMEs. Journal of Business Venturing, 22(4), 592–611. https://doi.org/10.1016/j.jbusvent.2006.05.003
Khandwalla, P. N. (1977). Some top management styles, their context and performance. Organization and Administrative Sciences, 7(4), 21–51.
Kore, E. L. R., & Septarini, D. F. (2018). Analisis kinerja usaha mikro kecil dan menengah (UMKM): Studi kasus pada UMKM sektor industri kecil formal di Kabupaten Merauke. Jurnal Ilmu Ekonomi & Sosial Unmus, 9(1), 22–37.
Lumpkin, G. T., & Dess, G. G. (2001). Linking two dimensions of entrepreneurial orientation to firm performance: The moderating role of environment and industry life cycle. Journal of Business Venturing, 16(5), 429–451. https://doi.org/10.1016/S0883-9026(00)00048-3
Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning: New evidence from the RAND American Life Panel. MRRC Working Paper, 57(33). https://doi.org/10.2139/ssrn.1095869
Makkulau, A. R. (2022). Literasi keuangan berbasis digital investment sebagai upaya mitigasi risiko investasi bagi mahasiswa. Jurnal Ekonomi dan Bisnis Digital, 7(3), 67–81.
Miller, D., & Friesen, P. H. (1982). Innovation in conservative and entrepreneurial firms: Two models of strategic momentum. Strategic Management Journal, 3(1), 1–25. https://doi.org/10.1002/smj.4250030102
Mintzberg, H. (1973). Strategy-making in three modes. California Management Review, 16(2), 44–53. https://doi.org/10.2307/41164491
Minuzu, M. (2010). Pengaruh faktor-faktor eksternal dan internal terhadap kinerja usaha mikro kecil (UMK) di Sulawesi Selatan. Jurnal Manajemen dan Kewirausahaan Universitas Hasanuddin, 12(1), 33–41. https://doi.org/10.9744/jmk.12.1.pp.%2033-41
Mulyani, I. T., & Mudiantono. (2015). Upaya meningkatkan kinerja pemasaran melalui orientasi pasar dan orientasi kewirausahaan dengan inovasi sebagai variabel intervening (Studi empiris pada usaha mikro kecil dan menengah Kota Semarang). Diponegoro Journal of Management, 4(3), 1–12.
Mustikowati, R. I., & Tysari, I. (2014). Orientasi kewirausahaan, inovasi, dan strategi bisnis untuk meningkatkan kinerja perusahaan (Studi pada UKM Sentra Kabupaten Malang). Jurnal Ekonomi Modernisasi, 10(1), 22–37. https://doi.org/10.21067/jem.v10i1.771
Ningtyas, M., & Siskawati, E. (2022). Financial literacy, locus of control, financial technology and financial behavior: Case on undergraduate students of Maulana Malik Ibrahim Islamic State University Malang. Proceedings of the International Conference of Islamic Economics and Business (ICONIES), 8(1), 423–434. http://conferences.uin-malang.ac.id/index.php/iconies/article/view/1752
Pandak, A., & Nugroho, D. S. (2023). Pengaruh financial technology dan kemampuan manajerial terhadap kinerja keuangan UMKM. Indonesian Journal of Multidisciplinary on Social and Technology, 1(3), 311–320. https://doi.org/10.31004/ijmst.v1i3.216
Patel, P. C., Kohtamäki, M., Parida, V., & Wincent, J. (2015). Entrepreneurial orientation‐as‐experimentation and firm performance: The enabling role of absorptive capacity. Strategic Management Journal, 36(11), 1739–1749. https://doi.org/10.1002/smj.2310
Prastika, Y. (2019). Pengaruh financial technology (Fintech) terhadap profitabilitas perbankan syariah (Studi komparasi Bank Syariah Mandiri, BNI Syariah, dan Bank Mega Syariah periode 2016–2018) [Doctoral dissertation, UIN Raden Intan Lampung]. http://repository.radenintan.ac.id/id/eprint/7911
Putra, N. P. (2016). Pengaruh keterampilan wirausaha terhadap kinerja usaha [Skripsi, Universitas Pendidikan Indonesia]. http://repository.upi.edu/21866/2/S_MBS_1100934_Abstract.pdf
Putri, L. P. (2021). Pengaruh literasi keuangan terhadap keputusan investasi melalui perilaku keuangan sebagai variabel moderating. Seminar Nasional Teknologi Edukasi dan Humaniora, 1(2), 796–775. https://doi.org/10.53695/sintesa.v1i1.407
Robbins, S. P., & Coulter, M. (2018). Management (14th ed.). Pearson Education Inc.
Samekto, A. (2021). Penerapan theory of planned behaviour pada penggunaan payment gateway oleh UKM di masa pandemi Covid-19. Penerbit NEM. https://books.google.co.id/books?id=F8lAEAAAQBAJ
Sari, D. L. (2022). Pengaruh literasi keuangan dan financial technology terhadap pengelolaan keuangan pada pelaku UMKM di Marelan [Skripsi, Universitas Muhammadiyah Sumatera Utara]. http://repository.umsu.ac.id/handle/123456789/19121
Sari, F. A. P. W., & Farida, N. (2020). Pengaruh orientasi pasar dan orientasi kewirausahaan terhadap kinerja pemasaran melalui inovasi produk sebagai variabel intervening (Studi pada UMKM Kuningan Juwana Kabupaten Pati). Jurnal Ilmu Administrasi Bisnis, 9(3), 345–352.
Schueffel, P. (2016). Taming the beast: A scientific definition of fintech. Journal of Innovation Management, 4(4), 32–54.
Setiawan, P. A. A., & Suarmanayasa, N. (2022). Pengaruh literasi keuangan dan sikap keuangan terhadap pengelolaan keuangan UMKM di Kecamatan Gerokgak pada masa pandemi Covid-19. Jurnal Ilmiah Akuntansi dan Humanika, 12(2), 2599–2651. https://doi.org/10.23887/jiah.v12i2.44783
Shan, P., Song, M., & Ju, X. (2016). Entrepreneurial orientation and performance: Is innovation speed a missing link? Journal of Business Research, 69(2), 683–690.
Sisi, S. (2019). Studi kinerja UMKM ditinjau dari orientasi pasar, orientasi kewirausahaan dan inovasi: Kasus pada Lokbin Kecamatan Cempaka Putih Jakarta Pusat. Jurnal Dinamika Manajemen dan Bisnis, 2(2), 95–103.
Suryana, Y., & Bayu, K. (2012). Kewirausahaan: Pendekatan karakteristik wirausahawan sukses (Edisi ke-2). Kencana.
Susdiani, L. (2020). Analisis pengaruh inovasi terhadap kinerja UMKM pada industri kreatif di Kota Padang. Procuratio: Jurnal Ilmiah Manajemen, 8(4), 450–465.
Venny, M. T. F. (2020). Sustainable entrepreneurial orientation dan keunggulan bersaing terhadap kinerja bisnis: Studi pada UMKM di Kota Batam. DeReMa (Development Research of Management): Jurnal Manajemen, 15(2), 257–281.
Wagland, S. P., & Taylor, S. (2009). When it comes to financial literacy, is gender really an issue? Australasian Accounting, Business and Finance Journal, 3(1), 13–25.
Widayanti, R., Damayanti, R., & Marwanti, F. (2017). Pengaruh financial literacy terhadap keberlangsungan usaha (business sustainability) pada UMKM Desa Jatisari. Jurnal Ilmiah Manajemen dan Bisnis, 18(2), 153–163.
Wiranti, A. (2022). Pengaruh financial technology, financial literacy, financial knowledge, locus of control, dan income terhadap perilaku keuangan. Jurnal Ilmu Manajemen, 10(2), 475–488. https://doi.org/10.26740/jim.v10n2.p475-488
Winarto, W. W. A. (2020). Peran fintech dalam usaha mikro kecil dan menengah (UMKM). Jesya (Jurnal Ekonomi dan Ekonomi Syariah), 3(1), 61–73. https://doi.org/10.36778/jesya.v3i1.132
Yakoboski, P. J., & Lusardi, A. (2018). Millennial financial literacy and fin-tech use: Who knows what in the digital era? Journal of Accounting and Public Policy, 42(2), 1–17. https://doi.org/10.1016/j.jaccpubpol.2023.107079
Zhang, Y., & Zhang, X. (2012). The effect of entrepreneurial orientation on business performance: A role of network capabilities in China. Journal of Chinese Entrepreneurship, 4(2), 132–142. https://doi.org/10.1108/175613912112427
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Abstract views: 0
,
PDF Downloads: 0
