PERAN FINANCIAL CAPABILITY DAN FINANCIAL SECURITY DALAM MENINGKATKAN FINANCIAL SATISFACTION PEMILIK UMKM SEKTOR PARIWISATA DI MADURA

Mayada Pasha Umairoh; M. Boy Singgih Gitayuda; Purnamawati Purnamawati

doi:10.52166/j-macc.v7i1.5116

Mayada Pasha Umairoh UTM
M. Boy Singgih Gitayuda Universitas Trunojoyo Madura
Purnamawati Purnamawati Universitas Trunojoyo Madura

DOI: https://doi.org/10.52166/j-macc.v7i1.5116

Abstract

This article discusses the roles of financial capability and financial security in enhancing the financial satisfaction of Micro, Small, and Medium Enterprises (MSMEs) in the tourism sector in the Madura Region. Tourism in Madura holds significant economic potential, with MSMEs playing a crucial role in local economic development. Financial satisfaction serves as a subjective indicator of an individual's financial well-being. This study employs a descriptive approach using a quantitative method. The results of multiple linear regression analysis indicate that both financial capability and financial security exert a positive and significant influence on financial satisfaction. These findings substantiate the research hypothesis and underscore the importance of enhancing financial capability and financial security among tourism MSME owners in Madura. They offer valuable insights for MSME owners, local governments, educational institutions, and other stakeholders, facilitating the support of growth in the tourism sector MSMEs in Madura.

Downloads

Download data is not yet available.

References

03/Per/M.KUKM/III/2008, P. M. K. dan U. N. (2011). Peraturan Menteri Koperasi dan UKM No. 03/Per/M.KUKM/III/2008. 1–12.
Ajzen, I. (1991). The Theory of Planned Behavior The Theory of Planned Behavior. 5978(December 1991). https://doi.org/10.1016/0749-5978(91)90020-T
Amaliyah, E. D. E., & Nugroho, B. S. (2022). Improving Personal Financial Management through Financial Technology, Financial Capability, and Spiritual Intelligence as Intervening Variable. Admisi dan Bisnis, 23(1), 57–70. https://jurnal.polines.ac.id/index.php/admisi
Ghozali, I. (2018). Aplikasi Analisis Multivariete SPSS 25 (9th ed.). Semarang: Universitas Diponegoro
Ghozali, Imam. (2013). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 21. Cet. VII; Dipoegoro: Universitas Diponegoro
Gilbert Fernaldy Tjandra, S. W. (2022). Pengaruh Keamanan Finansial, Minat Dalam Masalah Keuangan, Kebutuhan Tabungan Untuk Berjaga-Jaga, Dan Gaya Pengambilan Keputusan Terhadap Aktivitas Perdagangan Investor Retail Di Pasar Modal Selama Pandemi Covid-19. 04(02), 369–377.
Khasanah, B., & Djazuli, A. (2021). Determinan Financial Satisfaction ( Studi pada Masyarakat di Kabupaten Nganjuk ). Doctoral dissertation, Universitas Brawijaya, 1–18.
Moleong, Lexy J, (2004). Metodologi Penelitian Kualitatif. Bandung: PT. Remaja Rosdakarya
Nanincova, N. (2018). Pengaruh Kualitas Layanan Terhadap Kepuasan Pelanggan Noach Cafe And Bistro. Agora, 7(2), 1–5. https://publication.petra.ac.id/index.php/manajemen-bisnis/article/view/8734/7880
Rusdini, D. A. (2021). Faktor yang Memengaruhi Financial Satisfaction pada Masyarakat Kabupaten Pamekasan. Jurnal Ilmu Manajemen, 9(1), 182.
Samuel P.D. Anantadjaya, Irma M. Nawangwulan, Candra, E., Rahmatya Widyaswati, & Achmad Choerudin. (2023). Pengaruh Financial Capabilities, Networking Terhadap Kinerja Usaha UMKM di Kota Sukabumi Melalui Intellectual Capital. Jurnal Bisnisman : Riset Bisnis dan Manajemen, 5(1), 16–32. https://doi.org/10.52005/bisnisman.v5i1.131
Santoso, S. H. (2017). Analisis Faktor-Faktor Yang Mempengaruhi Financial Satisfaction Pada Masyarakat Di Kota Makassar. BMC Public Health, 5(1), 1–8.
Sugiyono, (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: CV. Alfabeta
Sugiyono, (2015). Statistika Untuk Penelitian. Bandung: Alfabeta
Ubaidillah, M. S. (2019). Perilaku Keuangan Dengan Sikap Keuangan Dan Self-Efficacy Sebagai Variabel Mediasi.
Wahab, A., Aprilla, I. R., & Mulia, A. (2019). Determinan Kepuasan Keuangan Pelaku Umkm. Assets : Jurnal Ekonomi, Manajemen dan Akuntansi, 9(2), 138. https://doi.org/10.24252/assets.v9i2.13127
Wibowo, A. P. S. (2021). Penguatan Pemberdayaan Usaha Mikro Kecil Dan Menengah Melalui Undang-Undang Pengembangan Dan Penguatan Sektor Keuangan. Citizen-Based Marine Debris Collection Training: Study case in Pangandaran, 2(1), 56–61.
Wijaya, C., & Pamungkas, A. S. (2021). Pengaruh Financial Behavior, Financial Attitude, Dan Financial Capability Terhadap Financial Satisfaction. Jurnal Manajerial Dan Kewirausahaan, 3(2), 308. https://doi.org/10.24912/jmk.v3i2.11874
Wijaya, T., Sugara, K., Multi, S., & Palembang, D. (2020). Pengaruh Income, Financial Attitude, Dan Financial Behaviour Terhadap Financial Satisfaction. Ciastech, 11–20.
Wulandari, W. S. & S. (2020). Peran Sikap Keuangan dalam Mengintervensi Pengaruh Literasi. 4(1), 15–23.