Analysis of Financial Literacy for Business Sustainability with Entrepreneurial Characteristics as a Mediation Variable (Survey on Food Processing SMEs in Sukabumi City)
Abstract
This research examines financial literacy and entrepreneurial characteristics as factors that influence business sustainability in food processing SMEs in Sukabumi City. The results show that good financial literacy is positively related to maintaining business sustainability in these SMEs. However, although entrepreneurial characteristics mediate the relationship between financial literacy and business sustainability, the impact is not statistically significant. This shows that other factors influence this relationship in Sukabumi City food processing SMEs.
Downloads
References
Ardila, I., Febriaty, H., & Astuti, R. (2021). Strategi Literasi Keuangan Sebagai Faktor Pendukung Keberlanjutan Usaha Mikro Kecil dan Menengah. Ekonomikawan: Jurnal Ilmu Ekonomi Dan Studi Pembangunan, 2, 201–210. http://jurnal.umsu.ac.id/index.php/ekawan/article/view/8430
Bahri, S., & Arda, M. (2019). Pengaruh Karakteristik Pengusaha Terhadap Keberhasilan Usaha Kecil Pada Kalangan Generasi Z. Prosiding Seminar Nasional Kewirausahaan, 1(1), 265–273. http://journal.umsu.ac.id/index.php/snk/article/view/3621
Dwiastanti, A., & Mustapa, G. (2020). Pengaruh Karakteristik Wirausaha, Lingkungan Eksternal dan Strategi Bertahan Umkm dalam Menjaga Keberlangsungan Usaha di Musim Pandemi Covid 19. Business and Accounting Education Journal, 1(3), 228–240. https://doi.org/10.15294/baej.v1i3.42740
Dwiastanti, A., & Mustapa, G. (2020). Pengaruh Karakteristik Wirausaha, Lingkungan Eksternal dan Strategi Bertahan Umkm dalam Menjaga Keberlangsungan Usaha di Musim Pandemi Covid 19. Business and Accounting Education Journal, 1(3), 228–240. https://doi.org/10.15294/baej.v1i3.42740
Hikmawati, F. (2020). Metodologi Penelitian (Cetakan ke). PT. Raja Grafindo.
Idawati, I. A. A., & Pratama, I. G. S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. https://doi.org/10.22225/wmbj.2.1.1644.1-9
Ilfita, K., & Canggih, C. (2021). The Influence of Sharia Financial Literacy, Religiosity, and Perception of Saving Students’ Interest in Sharia Banks. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 3(2), 113-134. https://doi.org/10.31538/iijse.v3i2.1010
Indrayani, L. (2020). Makna Literasi Keuangan dalam Keberlangsungan Usaha Industri Rumah Tangga Perempuan Bali. JIA (Jurnal Ilmiah Akuntansi), 5(2), 407–428. https://ejournal.undiksha.ac.id/index.php/JIA/article/view/29858
Junaidi, J. (2023). The Effect of Financial Literacy, Access to Capital, and Interest in Using E-Commerce on SMEs Performance (Study of SMEs in Blitar). Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 6(2), 1109-1121. https://doi.org/10.31538/iijse.v6i2.3453
Kii, M. M. I., & Sehendri, H. (2023). Pengaruh Pasca Pandemi Covid-19, Literasi Keuangan, Karakteristik Wirausaha terhadap Pendapatan UMKM di Kecamatan Blimbing, Kota Malang. Journal of Indonesian Economic Research, 1(1), 12–27.
Kusumadewi, R. N. (2022). Pengaruh Pertumbuhan Penjualan, Leverage Dan Ukuran Perusahaan Terhadap Profitabilitas. J-Aksi : Jurnal Akuntansi Dan Sistem Informasi, 4(1), 77–88. https://doi.org/10.31949/jaksi.v4i1.3734
Maharani, H. C., & Jaeni, J. (2021). Determinan Kebijakan Pemerintah Sebuah Solusi Keberlangsungan Usaha UMKM di Tengah Pandemi Covid-19. AKSES: Jurnal Ekonomi Dan Bisnis, 16(1), 26–39. https://doi.org/10.31942/akses.v16i1.4469
Maulana, R., Murniningsih, R., & Prasetya, W. A. (2022). Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Fintech Terhadap Keberlangsungan Bisnis Umkm. Procuratio : Jurnal Ilmiah Manajemen, 10(4), 440–452. https://doi.org/10.35145/procuratio.v10i4.2700
Mugni, K. Al, Danial, D. M., & Norisanti, N. (2022). Pengaruh Inovasi Dan Kolaborasi Terhadap Keunggulan Bersaing Pada UMKM Industri Makanan Kota Sukabumi. Journal of Economic, Bussines and Accounting (COSTING), 5(2), 1650–1654. https://doi.org/10.31539/costing.v5i2.3389
Nugroho, A. P., & Rahman, A. (2022). Digitalization and Sustainability of Halal Culinary MSMEs During the Covid-19 Pandemic. Jurnal Ilmiah Ekonomi Islam, 8(02), 1679–1688. http://dx.doi.org/10.29040/jiei.v8i2.5299
Ramadhan, F. D., & Wahjono, S. I. (2022). Pentingnya Manajemen dan Peran Manajer di Sekolah. Muhammadiyah Surabaya, April, 1–16. https://www.researchgate.net/publication/359826922%0AMANAJEMEN
Ramdhan, M. (2021). Metode Penelitian. Cipta Media Nusantara. https://books.google.co.id/books/about/Metode_Penelitian.html?id=Ntw_EAAAQBAJ&redir_esc=y
Ritonga, Z. (2020). Manajemen Strategi (Teori dan Aplikasi) (Cetakan pe). Deepublish publisher. https://books.google.co.id/books?hl=id&lr=&id=9jT4DwAAQBAJ&oi=fnd&pg=PP1&dq=info:n2EanujCq20J:scholar.google.com/&ots=ErV3oLbJ3C&sig=9vJeqhPw3gW_5DBcI5z4NJfcNpI&redir_esc=y#v=onepage&q&f=false
Riyanti, B., & Aini, N. A. N. (2022). Strategi Keberlangsungan Usaha UMKM Kampung Singkong Pada Masa Pandemi COVID-19 Budi Riyanti 1* , Novita Ati Nur Aini 2. 15(2), 182–199.
Rizky, A. I., Kusumadewi, R., & Saefulloh, E. (2022). Pengaruh Pelatihan dan Karakteristik Wirausaha Terhadap Pengembangan UMKM (Studi Pada UMKM di Kecamatan Cigugur). Entrepreneur: Jurnal Bisnis Manajemen Dan Kewirausahaan, 3(1), 361–376. https://doi.org/10.31949/entrepreneur.v3i1.1680
Rosyadah, K., Rahman Mus, A., Semmaila, B., & Chalid, L. (2022). The Relevance of Working Capital, Financial Literacy and Financial Inclusion on Financial Performance and Sustainability of Micro, Small and Medium-Sized Enterprises (MSMEs). American Journal of Humanities and Social Sciences Research, 6, 203–216. www.ajhssr.com
Sahir, S. H. (2022). Metodologi Penelitian (Cetakan I). Penerbit KBM Indonesia.
Sasongko, F. N., & Rachma, E. (2021). The Effect of Financial Performance on ROA Projected as Profitability. Majapahit Journal of Islamic Finance and Management, 1(1), 60–74. https://doi.org/10.31538/mjifm.v1i1.5
Sujarweni, W. (2022). Metodologi Penelitian Bisnis dan Ekonomi Pendekaan Kuantitatif. PT. Pustaka Baru.
Usman, H. (2022). Manajemen Teori, Praktik, dan Riset Pendidikan (Edisi 4). PT. BumiAksara. https://books.google.co.id/books?hl=id&lr=&id=1xhvEAAAQBAJ&oi=fnd&pg=PP1&dq=manajemen+adalah&ots=qwpxHXpyRd&sig=5AMmSEyVQix3wZPo03ZVB50UpLU&redir_esc=y#v
Waluyo, D. M., & Rachman, M. (2020). Mudah Cepat Tepat Dalam Aplikasi Structural Equation Modeling. In Transportation Systems Planning: Methods and Applications.
Wijayanti, A., & Hanandia, D. F. (2022). Pengaruh Personality Traits dan Competitive Advantage terhadap Keberlanjutan Usaha Dimoderasi Oleh Social Innovation Orientation. Owner, 6(3), 3085–3092. https://doi.org/10.33395/owner.v6i3.1005
Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). Pengaruh literasi keuangan dan financial technology terhadap keberlangsungan usaha pelaku UMKM. Mirai Management, 7(2), 531–540.
Copyright (c) 2024 Agitya Nur Pryal, R. Deni Muhammad Danial, Dicky Jhoansyah

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.















