The Effect of Financial Literacy on the Sustainability of Micro, Small, and Medium, Enterprises with Access to Finance as a Mediating Variable

Zaniarti, Sri and Veronica, M. Sienly and Arsytania, Raden Arvi (2022) The Effect of Financial Literacy on the Sustainability of Micro, Small, and Medium, Enterprises with Access to Finance as a Mediating Variable. International Journal of Management Science and Business Administration, 9 (1). pp. 17-31. ISSN 1849-5664

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Abstract

: Large-scale social restrictions (PSBB) during the pandemic, and the decline in people's purchasing power, caused problems for many MSMEs, with some even folding. The business actors must have the good financial literacy to manage funds and enhance business survival under challenging conditions. The research aims to examine the effect of financial literacy on business sustainability and access to finance as a mediating variable that strengthens the relationship between financial literacy and sustainability. It was conducted by taking MSME samples in the West Bandung Regency area using the probability sampling technique with cluster random sampling type. The data collected from the responses of 203 MSMEs was processed using the Path Analysis method with an error rate of 5%. These results showed that financial literacy affects sustainability, and access to finance cannot mediate the effect of financial literacy on sustainability.

Item Type:	Article
Contributors:	Contribution Contributors NIDN/NIDK Email UNSPECIFIED Zaniarti, Sri UNSPECIFIED UNSPECIFIED UNSPECIFIED Veronica, M. Sienly UNSPECIFIED UNSPECIFIED UNSPECIFIED Arsytania, Raden Arvi UNSPECIFIED UNSPECIFIED
Uncontrolled Keywords:	Financial Literacy, Access to Finance, Sustainability, MSME
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Depositing User:	Perpustakaan Maranatha
Date Deposited:	28 Apr 2023 07:49
Last Modified:	09 Nov 2023 03:38
URI:	http://repository.maranatha.edu/id/eprint/31855

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