Pengaruh Literasi Keuangan Islam Terhadap Kinerja Bisnis UMKM Melalui Inklusi Keuangan Syariah di Soloraya

Main Article Content

Indra Pratama
Hasni Dyah Kurniawati

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan Islam terhadap kinerja bisnis UMKM dengan inklusi keuangan syariah sebagai variabel mediasi di wilayah Solo Raya. Latar belakang penelitian ini didasarkan pada rendahnya tingkat literasi dan inklusi keuangan syariah di kalangan pelaku UMKM, meskipun sektor ini memilikikontribusi signifikan terhadap perekonomian nasional. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik analisis Structural Equation Modeling berbasis Partial Least Squares (PLS-SEM). Data diperoleh dari 174 responden pelaku UMKM yang dipilih menggunakan teknik purposive sampling. Hasil penelitian menunjukkan bahwa literasi keuangan Islam berpengaruh positif dan signifikan terhadap inklusi keuangan syariah dan kinerja bisnis UMKM. Selain itu, inklusi keuangan syariah juga berpengaruh positif terhadap kinerja bisnis serta berperan sebagai variabel mediasi dalam hubungan antara literasi keuangan Islam dan kinerja bisnis. Temuan ini menegaskan bahwa peningkatan literasi keuangan Islam dapat mendorong akses dan pemanfaatan layanan keuangan syariah, sehingga berdampak pada peningkatan kinerja usaha.

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Pratama, I., & Hasni Dyah Kurniawati. (2026). Pengaruh Literasi Keuangan Islam Terhadap Kinerja Bisnis UMKM Melalui Inklusi Keuangan Syariah di Soloraya. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 5(5), 7634–7651. https://doi.org/10.56799/ekoma.v5i5.17247
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