Pengaruh Literasi Keuangan dan Modal Usaha terhadap Keberhasilan Usaha UMKM Kuliner Kecamatan Medan Selayang

Viona Lira Agustania; Nindya Yunita; Alfifto Alfifto

doi:10.31004/riggs.v5i2.12311

Authors

Viona Lira Agustania Universitas Medan Area
Nindya Yunita Universitas Medan Area
Alfifto Alfifto Universitas Medan Area

DOI:

https://doi.org/10.31004/riggs.v5i2.12311

Keywords:

Financial Literacy, Business Capital, Business Success

Abstract

This study aims to analyze the influence of financial literacy and business capital on the business success of culinary MSMEs in Kecamatan Medan Selayang. A quantitative approach is used in this study to determine the magnitude of the influence of independent variables on the dependent variable. The population in this study consists of culinary MSME entrepreneurs in Kecamatan Medan Selayang in 2025, totaling 102 entrepreneurs. The sampling technique used is saturated sampling (sampling jenuh), in which all members of the population are used as the sample, resulting in a sample size of 102 respondents. Data analysis is conducted using SPSS with multiple linear regression analysis to determine the influence of independent variables on the dependent variable. The results of the study indicate that the Financial Literacy variable has a positive and significant influence on business success. This is evident from the significant value (0.000) < 0.05 and the beta value of 0.412. The Business Capital variable has a positive and significant influence on business success. This is evident from the significant value (0.000) < 0.05 and the beta value of 0.522. Business Capital has a more dominant influence than Financial Literacy in affecting the business success of culinary MSMEs in Kecamatan Medan Selayang. Simultaneously, Financial Literacy (X1) and Business Capital (X2) together significantly influence the business success of culinary MSMEs in Kecamatan Medan Selayang.

Downloads

Download data is not yet available.

References

1. Adiandari, Ade Maharini, and S. Sos. Pengantar Literasi Keuangan. Nas Media Pustaka, (2023).

2. Aidina, Minal, and Ahmad Rudini. "Pengaruh modal usaha dan lokasi usaha terhadap keberhasilan usaha mikro kecil menengah (UMKM) bidang pangan di Sampit." Profit: Jurnal Penerapan Ilmu Manajemen dan Kewirausahaan 6.2 (2021): 47-57.

3. Alfifto. (2024). Statistika Penelitian: Konsep dan Kasus. Medan: UMA Press.

4. Aprilia, Dina Sofia, and Inaya Sari Melati. "Pengaruh jumlah tenaga kerja, modal usaha dan bauran pemasaran terhadap keberhasilan usaha umkm sentra batik kota pekalongan." Journal of Economic Education and Entrepreneurship 2.1 (2021): 1-14.

5. Astriyani, Rini. "Pengaruh Lokasi, Modal, Kemampuan Usaha terhadap Keberhasilan Usaha." Jurnal Kewirausahaan Dan Multi Talenta 2.2 (2024): 59-69.

6. Dari, Fitri Wahyuni Wulan, Dewi Rosa Indah, and Nasrul Kahfi Lubis. "Pengaruh Modal Usaha, Penggunaan Informasi Akuntansi, Dan Literasi Finansial Terhadap Keberhasilan Umkm Di Kota Kualasimpang." Jurnal Mahasiswa Akuntansi Samudra 3.3 (2022): 163-173.

7. Darmanto, Erlambang Budi, and MM ST. "KONSEP KEBERHASILAN USAHA." Kewirausahaan (Peluang Dan Tantangan E-Commerce) (2022): 31.

8. Destina Paningrum, S. E. Buku referensi investasi pasar modal. Lembaga Chakra Brahmana Lentera, 2022.

9. Harto, Budi, et al. "Literasi Keuangan." Padang: Pt Global Eksekutif Teknologi (Issue March 2024) (2023).

10. Hasan, Muhammad, et al. "Understanding the role of financial literacy, entrepreneurial literacy, and digital economic literacy on entrepreneurial creativity and MSMEs success: a knowledge-based view perspective." Cogent Business & Management 11.1 (2024): 2433708.

11. Herdinata, Christian, and Fransisca Desiana Pranatasari. Aplikasi literasi keuangan bagi pelaku bisnis. Deepublish, 2021.

12. Hilmawati, Mei Ruli Ninin, and Rohmawati Kusumaningtias. "Inklusi keuangan dan literasi keuangan terhadap kinerja dan keberlangsungan sektor usaha mikro kecil menengah." Nominal: Barometer Riset Akuntansi Dan Manajemen 10.1 (2021): 135-152.

13. Ichsan, Reza Nurul, Lukman Nasution, and Sarman Sinaga. Buku ajar ekonomi koperasi dan UMKM. CV. Sentosa Deli Mandiri, 2021.

14. Maulana, Rinaldi, Rochiyati Murniningsih, and Wahyu Anggit Prasetya. "Pengaruh literasi keuangan, inklusi keuangan, dan fintech terhadap keberlangsungan bisnis UMKM." Procuratio: Jurnal Ilmiah Manajemen 10.4 (2022): 440-452.

15. Millati, Halwa, and Ali Sofwan. "Pengaruh penggunaan informasi akuntansi, modal usaha, dan strategi pemasaran terhadap keberhasilan usaha (Studi kasus pada program kelompok usaha bersama di Kecamatan Jepara)." Jurnal Rekognisi Akuntansi 6.1 (2022): 65-80.

16. Nayak, Madhukara, Pushparaj M. Nayak, and Harisha G. Joshi. "Determinants influencing the entrepreneurial success of MSMEs in emerging economies: a study of Indian women entrepreneurs." Cogent Economics & Finance 13.1 (2025): 2472585.

17. Pengaruh Literasi Keuangan Dan Modal Usaha Terhadap Keberhasilan Usaha Umkm Kuliner Di Kecamatan Medan Selayang

18. Safitri, Mey Elisa, and Endang Maryanti. Buku Ajar Kewirausahaan. Penerbit NEM, 2022

19. Siwiyanti, Leonita, Hari Mulyadi, and Chairul Furqan. "The Role of Financial Literacy and Market Orientation in Increasing MSME Business Success in Indonesia." 9th Global Conference on Business, Management and Entrepreneurship (GCBME 2024). Atlantis Press, 2025.

20. Sugiyono. 2019. Metode Penelitian Kuantitatif, Kualitatif Dan R&D. Bandung: Alfabeta.

21. Sumarsono, Tanto Gatot. Intensi kewirausahaan dan keberhasilan usaha. Media Nusa Creative (MNC Publishing), 2021.

22. Titin, Rahel, and S. Satono. "Pengaruh karakter wirausaha terhadap keberhasilan usaha melalui literasi keuangan." Jurnal Ekonomi & Bisnis 7.2 (2022): 1-14.

23. Wahab, Abdul, Mashur Razak, and Muhammad Hidayat. "Pengaruh Modal Usaha, Promosi Dan Manajemen Usaha Terhadap Keberhasilan Usaha Pada UMKM Di Kabupaten Mamuju." Jurnal Bisnis dan Kewirausahaan 13.2 (2024): 198-211.

24. Waruwu, Desy Paquita, and Yamin Siregar. "Pengaruh Modal Usaha Dan Ketersediaan Tenaga Kerja Terhadap Keberhasilan Usaha." Jurnal Ilmiah Manajemen dan Bisnis (JIMBI) 5.2 (2024): 155-164.4