MODERATING EFFECTS OF MSME’S OWNERS CHARACTERISTICS ON THE RELATIONSHIP BETWEEN FINANCIAL LITERACY AND MSME INNOVATION

Hakiky Mawaddah Rahma Diva, Widyahayu Warmmeswara Kusumastati

Abstract


Penelitian ini menguji efek moderasi karakteristik dari pemilik Usaha Mikro, Kecil dan Menengah (UMKM) pada hubungan antara literasi keuangan pemilik UMKM dan inovasi UMKM. Karakteristik pemilik UMKM yang dianalisis adalah umur, gender dan tingkat pendidikan pemilik UMKM. Data yang digunakan pada penelitian ini diambil dari 117 UMKM dan dianalisis menggunakan SEM-PLS. Hasilnya menunjukkan bahwa literasi keuangan pemilik UMKM meningkatkan inovasi UMKM, gender pemilik UMKM memoderasi hubungan antara literasi keuangan dan inovasi UMKM. Sementara itu, umur dan tingkat pendidikan pemilik UMKM tidak dapat memoderasi hubungan antara literasi keuangan dan inovasi UMKM.

Kata Kunci: Literasi Keuangan pemilik UMKM; Inovasi UMKM; Gender Pemilik UMKM; Umur Pemilik UMKM; Tingkat Pendidikan Pemilik UMKM


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DOI: https://doi.org/10.31326/tabr.v3i2.1474

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