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Implementasi Strategi Nasional Literasi Keuangan dan Keuangan Inklusif pada Pelaku UMKM Perempuan

Authors

  • Jihan Anggraeni Ramdani Arisa Ekonomi Pembangunan, Universitas Islam Bandung

DOI:

https://doi.org/10.29313/jrieb.vi.646

Keywords:

Strategi Nasional Literasi Keuangan, Strategi Nasional Keuangan Inklusif, UMKM Perempuan

Abstract

Abstract. Especially women MSMEs in knowledge and access, the government issued the National Financial Literacy Strategy (SNLK) and the National Inclusive Finance Strategy (SNKI). The type of analysis is quantitative descriptive using primary and secondary data. Collected through surveys using questionnaire instruments. Descriptive analysis methods show that the implementation of SNLK against female MSMEs built by the Small and Medium Micro Enterprise Cooperative Service is good enough. The literacy level category on indicators of knowledge, skills, beliefs and attitudes including sufficient literate but further socialization needs to be held regarding the function of credit guarantor institutions, functions and types of financial ratios that are useful for business development and the implementation of SNKI to MSMEs female are good, they feel the business credit program will have a positive effect on their business development but they have difficulty accessing the program because one of the terms of business credit application is collateral.

Abstrak. Pelaku UMKM perempuan memiliki kesulitan tersendiri dalam mengakses kredit usaha dan cara mengelola keuangan usahanya. Guna membantu masyarakat terutama pelaku UMKM perempuan dalam pengetahuan dan akses, pemerintah mengeluarkan Strategi Nasional Literasi Keuangan (SNLK) dan Strategi Nasional Keuangan Inklusif (SNKI). Jenis analisis yang digunakan adalah deskriptif kuantitatif menggunakan data primer dan sekunder dengan teknik pengumpulan data yang dikumpulkan melalui survei dengan menggunakan instrumen kuesioner. Metode analisis deskriptif menunjukkan, implementasi SNLK terhadap pelaku UMKM perempuan binaan Dinas Koperasi Usaha Mikro Kecil dan Menengah (KUMKM) sudah cukup baik. Kategori tingkat literasi pada indikator pengetahuan, keterampilan, keyakinan dan sikap termasuk sufficient literate. Namun, perlu diadakan sosialisasi lebih lanjut mengenai fungsi lembaga penjamin kredit, fungsi dan jenis rasio keuangan yang berguna untuk pengembangan usaha dan Implementasi SNKI terhadap pelaku UMKM perempuan binaan Dinas KUMKM sudah baik, pelaku UMKM perempuan binaan Dinas KUMKM merasa program kredit usaha akan memberikan efek positif terhadap perkembangan usaha mereka tetapi mereka kesulitan mengakses program tersebut karena salah satu syarat pengajuan kredit usaha adalah agunan.

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Published

2022-07-07