SINERGI INKLUSI KEUANGAN DAN LITERASI KEUANGAN DALAM EKOSISTEM DIGITAL TERHADAP KINERJA UMKM DI KOTA SURABAYA
DOI:
https://doi.org/10.71282/jurmie.v3i5.1908Keywords:
financial inclusion, financial literacy, digital ecosystem, MSMEs, performanceAbstract
This study aims to analyze the synergy between financial inclusion and financial literacy within the digital ecosystem and its impact on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Surabaya City. The rapid development of digital financial services such as mobile banking, e-wallets, and QRIS has provided broader access for MSMEs to engage with formal financial systems. However, the utilization of these services is still not optimal due to the limited level of financial literacy among business actors. This research employs a descriptive qualitative approach using a literature review method by examining various academic journals, books, and official institutional reports. The findings indicate that financial inclusion in the digital ecosystem improves access to financing, enhances transaction efficiency, and supports market expansion for MSMEs. Meanwhile, financial literacy plays a crucial role in improving financial management capabilities, decision-making processes, and risk control (Lusardi & Mitchell, 2014). Furthermore, this study finds that the synergy between financial inclusion and financial literacy produces a more significant impact on MSME performance compared to when these variables are applied separately. MSMEs that have both access to financial services and adequate financial knowledge tend to experience improvements in income, operational efficiency, competitiveness, and business sustainability (Demirgüç-Kunt et al., 2018). In the context of Surabaya, the digital ecosystem acts as a supporting factor that strengthens this relationship. Therefore, strengthening financial literacy and expanding digital financial inclusion are essential strategies to improve MSME performance sustainably (OJK, 2023).
Downloads
References
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.
Atkinson, A., & Messy, F. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15.
Beck, T., Demirgüç-Kunt, A., & Levine, R. (2007). Finance, inequality, and the poor. Journal of Economic Growth, 12(1), 27–49.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.
Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. Washington, DC: World Bank.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2019). A primer on partial least squares structural equation modeling (PLS-SEM) (2nd ed.). Sage Publications.
Herawati, N. T. (2015). Kontribusi pembelajaran di perguruan tinggi dan literasi keuangan terhadap perilaku keuangan mahasiswa. Jurnal Pendidikan dan Pengajaran, 48(1–3), 60–70.
Hidayat, R., & Santoso, B. (2018). Analisis literasi keuangan pada pelaku UMKM. Jurnal Ilmu Manajemen, 6(2), 123–134.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89(7), 309–322.
Kementerian Koperasi dan UKM. (2022). Perkembangan data UMKM di Indonesia. Jakarta: Kemenkop UKM.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Nengsih, T. A. (2015). Peran perbankan dalam meningkatkan inklusi keuangan di Indonesia. Jurnal Keuangan dan Perbankan, 19(3), 450–460.
OECD. (2016). OECD/INFE International survey of adult financial literacy competencies. Paris: OECD Publishing.
Otoritas Jasa Keuangan. (2023). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2023. Jakarta: OJK.
Pratama, A. (2021). Digitalisasi keuangan dan dampaknya terhadap UMKM di era ekonomi digital. Jurnal Ekonomi Digital, 3(1), 21–30.
Putri, N. M., & Hadi, S. (2020). Peran inklusi keuangan dalam meningkatkan kesejahteraan UMKM. Jurnal Ekonomi Pembangunan, 18(1), 34–45.
Rahman, A., & Rizky, M. (2021). Pengaruh literasi keuangan terhadap kinerja usaha kecil dan menengah. Jurnal Manajemen Bisnis, 10(2), 85–97.
Sarma, M. (2012). Index of financial inclusion: A measure of financial sector inclusiveness. Berlin Working Papers on Money, Finance, Trade and Development, 7.
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill-building approach (7th ed.). Wiley.
Setiawan, B., & Saputra, A. (2020). Pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja UMKM. Jurnal Ekonomi dan Bisnis Indonesia, 5(2), 45–55.
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.
Tambunan, T. T. H. (2019). UMKM di Indonesia: Perkembangan, kendala, dan strategi. Jakarta: Kencana.
Widayanti, I., & Suryono, B. (2018). Pengaruh inklusi keuangan terhadap pertumbuhan UMKM. Jurnal Akuntansi dan Keuangan, 7(2), 89–101.
World Bank. (2020). Financial inclusion overview. Washington, DC: World Bank.
Yanti, W. I., & Rahmawati, D. (2019). Pengaruh inklusi keuangan terhadap kinerja UMKM. Jurnal Manajemen dan Kewirausahaan, 7(1), 12–22.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Fredy Apritama Djunaidi, Galang Febriansyah, Ach. Royis Rizaldy, Adam Ahmad, Achmarul Fajar (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
