PENGARUH LITERASI KEUANGAN TERHADAP KINERJA UMKM DI SURABAYA

Abstract

MSME is a form of business in Indonesia. This large number of businesses has a high influence on Indonesia. The main purpose was to determine the relationship between financial literacy on MSME performance in Surabaya City. The study was used 73 data MSME owners in Surabaya City. Cluster and purposive sampling techniques were used to select a sample. Data was collected using structured questionnaires. Validity and reliability techniques are used to test the consistency of the indicators and analytical techniques. Descriptive statistics was used to analyze the data, and data was presented in the form of tables, pictures, and percentages. Inferential statistics is used to test hypotesis. The findings are indicative of a significant effect of bookkeeping literacy, debt literacy, and budgeting literacy on MSME performance. It is recommended that MSME owner to improve the ability make and manage cash management