Pengaruh Literasi Keuangan Dan Ketidakpastian Lingkungan Terhadap Kinerja Keuangan UMKM Pasar Tradisional
DOI:
https://doi.org/10.61930/jebmak.v5i2.1883
Keywords:
Kinerja Keuangan, Literasi Keuangan, Ketidakpastian Lingkungan, UMKMAbstract
UMKM pasar tradisional menghadapi tantangan ekonomi dan ketidakpastian lingkungan yang signifikan. Dalam studi ini, tim peneliti bertujuan untuk menguji pengaruh literasi keuangan dan ketidakpastian lingkungan terhadap kinerja keuangan pedagang UMKM informal. Tim peneliti menggunakan metode survei kuantitatif dengan mendistribusikan kuesioner kepada 85 pedagang pasar tradisional di Kota Probolinggo. Untuk analisis data, tim peneliti menerapkan Regresi Linear Berganda menggunakan perangkat lunak EViews, yang mencakup uji asumsi klasik dan hipotesis. Hasil pengujian menunjukkan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap kinerja keuangan, membuktikan bahwa kedisiplinan operasional dan kehati-hatian finansial meningkatkan stabilitas modal. Selain itu, ketidakpastian lingkungan juga memberikan dampak positif dan signifikan, bertindak sebagai katalisator yang memaksa pedagang mengembangkan kapabilitas dinamis dan strategi adaptasi taktis alih-alih melemahkan usaha mereka. Tim peneliti menyimpulkan bahwa literasi keuangan dan kemampuan beradaptasi terhadap ketidakpastian lingkungan merupakan fondasi penting untuk meningkatkan kinerja keuangan dan keberlanjutan UMKM pasar tradisional.
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