Pengaruh literasi keuangan, kesiapan teknologi, orientasi berwirausaha terhadap kinerja bisnis melalui kemampuan inovasi pada pelaku umkm di kota Bogor

Sinaga, Veronica (2023) Pengaruh literasi keuangan, kesiapan teknologi, orientasi berwirausaha terhadap kinerja bisnis melalui kemampuan inovasi pada pelaku umkm di kota Bogor. Masters thesis, Universitas Pelita Harapan.

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Abstract

Usaha Mikro, Kecil dan Menengah (UMKM) berkontribusi hingga 60% dari total PDB Indonesia dan bahkan UMKM menyerap hampir 97% tenaga kerja yang ada, maka dari itu kinerja UMKM perlu diperhatikan karena merupakan faktor penting bagi perekonomian negara Indonesia. Penelitian ini bertujuan untuk meneliti pengaruh literasi keuangan, kesiapan teknologi, orientasi berwirausaha, dan kemampuan inovasi terhadap kinerja bisnis pada UMKM di Kota Bogor. Penelitian ini dilakukan pada 227 pemilik bisnis atau penanggung jawab Usaha Mikro Kecil dan Menengah (UMKM) di Kota Bogor. Metode yang digunakan adalah kuantitatif dengan teknik analisis SEMPLS. Hasil penelitian menunjukan bahwa seluruh hipotesis diterima, yang artinya literasi keuangan, kesiapan teknologi, orientasi berwirausaha, dan kemampuan inovasi memiliki pengaruh yang signifikan terhadap kinerja bisnis pada UMKM di Kota Bogor. Begitu juga dengan literasi keuangan, kesiapan teknologi dan orientasi berwirausaha yang memiliki pengaruh signifikan terhadap kemampuan inovasi./Micro, Small and Medium Enterprises (MSMEs) contribute up to 60% of Indonesia's total GDP and even MSMEs absorb nearly 97% of the existing workforce, therefore the performance of MSMEs needs to be considered because it is an important factor for the Indonesian economy. This study aims to examine the effect of financial literacy, technology readiness, entrepreneurial orientation, and innovation capabilities on business performance in MSMEs in Bogor City. This research was conducted on 227 business owners or persons in charge of Micro, Small and Medium Enterprises (MSMEs) in Bogor City. The method used is quantitative with SEM-PLS analysis techniques. The results of the study show that all hypotheses are accepted, which means that financial literacy, technology readiness, entrepreneurial orientation, and innovation ability have a significant influence on business performance in MSMEs in Bogor City. Likewise with financial literacy, technology readiness and entrepreneurial orientation which have a significant influence on the ability to innovate.

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