DETERMINAN KEPUASAN KEUANGAN PELAKU UMKM

Abdul Wahab, Ida Rahayu Aprilla, Andi Mulia

Abstract


The existence of Micro, Small, and Medium Enterprises, or commonly abbreviated as MSMEs, is expected to contribute quite well to efforts to tackle economic problems that are often faced, such as high levels of poverty, large numbers of unemployed, income distribution inequality. The role of MSMEs in Indonesia must be able to reduce the level of unemployment, which is increasing from year to year, alleviating poverty by helping poor people and income distribution that can improve the lives of people who have limitations, especially in financial matters. This study aims to determine the effect of gender (gender), income, and financial knowledge on financial satisfaction. The results of this study indicate that the variables of gender (gender), revenue, and financial knowledge simultaneously influence financial satisfaction. If partially tested, the gender variable statistically insignificant affects financial satisfaction. While the income and financial knowledge variables somewhat influence financial satisfaction.

Keberadaan Usaha Mikro Kecil dan Menengah atau biasa disingkat dengan UMKM, diharapkan dapat memberikan konstribusi yang cukup baik terhadap upaya penanggulangan masalah-masalah ekonomi yang sering dihadapi seperti tingginya tingkat kemiskinan, besarnya jumlah pengangguran, ketimpangan distribusi pendapatan. Peranan UMKM di Indonesia harus dapat mengurangi tingkat pengangguran yang semakin bertambah dari tiap tahun, menanggulangi kemiskinan dengan membantu masyarakat yang kurang mampu dan pemerataan pendapatan yang dapat memperbaiki kehidupan masyarakat yang memiliki keterbatasan khususnya dalam masalah keuangan. Penelitian ini bertujuan untuk mengetahui pengaruh faktor jenis kelamin (gender), pendapatan dan pengetahuan keuangan terhadap kepuasan keuangan. Hasil penelitian ini menunjukkan bahwa variabel jenis kelamin (gender), pendapatan dan pengetahuan keuangan berpengaruh secara simultan terhadap kepuasan keuangan. Apabila diuji secara parsial variabel jenis kelamin (gender) tidak berpengaruh terhadap kepuasan keuangan. Sedangkan variabel pendapatan dan pengetahuan keuangan berpengaruh secara parsial terhadap kepuasan keuangan


Keywords


Kepuasan Keuangan; UMKM; Gender; Literasi Keuangan

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DOI: https://doi.org/10.24252/assets.v9i2.13127

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