Pengaruh Keuangan Islam dan Literasi Keuangan terhadap Kinerja UMKM

Hesti Widianti, Intan Shaferi, Eliya Tuzaka

Abstract


Secara khusus, UMKM berkontribusi terhadap lapangan kerja dan PDB banyak negara di seluruh dunia. Di Uni Eropa (UE), mikro dan UKM memberikan sumbangan sebesar 56,4% dari nilai tambah oleh sektor bisnis non-keuangan. Sebagian besar UKM merupakan ciri ekonomi yang berkembang dengan baik; namun, hal ini bukanlah kondisi yang menentukan keberhasilan ekonomi. Dengan demikian, pengembangan UKM merupakan salah satu prioritas UE; sektor UKM didukung secara substansial, terutama untuk mendorong pertumbuhan ekonomi, meningkatkan lapangan kerja, dan mengatasi kemiskinan di daerah-daerah tertentu. Sektor UKM telah dipelajari secara ekstensif dan khusus. Sektor usaha kecil dan menengah (UKM) sangat penting bagi pembangunan ekonomi sebuah Negara. Beberapa penelitian telah dilakukan terkait dengan tentang literasi, keuangan Islam dan kinerja. Namun demikian, sebagian besar dari mereka dilakukan melalui survei terhadap populasi Muslim. Dalam penelitian ini, ada kombinasi survei dan eksperimen, khususnya dengan memberikan penyuluhan literasi tentang pembiayaan syariah kepada pengusaha non muslim untuk memberikan pengetahuan, literasi dan niat menggunakan pembiayaan syariah.

Keywords


Keuangan Islam; literasi keuangan; kinerja UMKM

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DOI: http://dx.doi.org/10.35671/probisnis.v18i1.2902

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