MEMBANGUN KINERJA BISNIS UMKM MELALUI EFIKASI DIRI,MODAL PSIKOLOGI DAN LITERASI KEUANGAN
Abstract
Penelitian ini bertujuan untuk mengetahui peran efikasi diri, modal psikologis dan literasi keuangan memengaruhi kinerja bisnis UMKM (studi pada pelaku UMKM di Kecamatan Pringapus Kab. Semarang).
Populasi dalam penelitian ini adalah pelaku usaha UMKM di Kecamatan Pringapus Kab.Semarang baik itu perempuan maupun laki – laki.Sampel dalam penelitian ini adalah 90 orang pelaku usaha UMKM diKecamatan Pringapus Kab. Semarang. Variable bebas yang digunakan dalam penelitian ini adalah efikasi diri(X1), modal psikologis (X2) dan literasi keuangan (X3), sedangkan variable terikat yang digunakan adalah kinerja bisnis (Y1).Pengujian hipotesis dalam penelitian ini menggunakan alat regresi berganda dengan uji t, uji F dan koefisien determinasi (R2).
Berdasarkan hasil jawaban responden dengan skala likert 1 – 5 pada variabel efikasi diri menunjukkan nilai rata – rata = 2.96. pada variabel modal psikologis menunjukkan nilai rata – rata = 2.98. pada variabel literasi keuangan menunjukkan nilai rata – rata = 3,03. Dan pada variabel kinerja bisnis menunjukkan nilai rata – rata = 2.95.Dengan demikian bahwa secara keseluruhan dalam hal tanggapan responden mengenai kinerja bisnis UMKM di Kecamatan Tengaran Kab. Semarang cukup baik.
Dapat disimpulkan berdasarkan hasil penelitian diketahui efikasi diri, modal psikologis dan literasi keuangan memiliki pengaruh signifikan terhadap kinerja bisnis UMKM di Kab. Semarang, sehingga H1, H2 dan H3 diterima. Saran bagi peneliti selanjutnya diharapkan dapat meneliti variable lain yang mungkin akan berpegaruh terhadap kinerja UMKM. Variable lain yang mungkin bisa diteliti yaitu factor internal yaitu pasar dan pemasaran, teknis produksi dan lain sebagainya
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