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PENGARUH PENGETAHUAN KEUANGAN, AKSES PERMODALAN, DAN KARAKTERISTIK PERSONAL TERHADAP KINERJA UMKM DI

KECAMATAN GEROKGAK Oleh

I Luh Sri Manik, NIM 1817051061 Program Studi S1 Akuntansi

ABSTRAK

Penelitian ini bertujuan untuk menguji pengaruh pengetahuan keuangan, akses permodalan, dan karakteristik personal terhadap kinerja UMKM di Kecamatan Gerokgak. Penelitian ini menggunakan jenis pendekatan kuantitatif dengan 72 responden. Metode penentuan sampel yang digunakan yaitu teknik purposive sampling, dengan penentuan jumlah sampel menggunakan rumus Yount (1999). Data yang digunakan yaitu data primer yang diperoleh melalui kuesioner dan diukur menggunakan skala likert serta data sekunder yang diperoleh dari dokumen-dokumen pada Dinas Perindustrian, Perdagangan, Koperasi, dan UMKM Kabupaten Buleleng mengenai perkembangan UMKM di Kec. Gerokgak. Teknik analisis data yang digunakan adalah Uji Validitas, Uji Reliabilitas, Uji Asumsi Klasik, Analisis Regresi Linier Berganda, Uji Koefisien Determinasi dan Uji T dengan bantuan Microsoft Excel dan IBM SPSS 25.0 for Windows. Hasil penelitian menunjukkan pengetahuan keuangan, akses permodalan, dan karakteristik personal berpengaruh positif terhadap kinerja UMKM di Kecamatan Gerokgak.

Kata kunci: Pengetahuan Keuangan, Akses Permodalan, Karakteristik Personal, dan Kinerja UMKM

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THE INFLUENCE OF FINANCIAL KNOWLEDGE, ACCESS TO CAPITAL, AND PERSONAL CHARACTERISTIC ON THE PERFORMANCE OF

UMKM IN GEROKGAK DISTRICT By

I Luh Sri Manik, NIM 1817051061 S1 Accounting Study Program

ABSTRACT

This study aims to examine the effect of financial knowledge, access to capital, and personal characteristics on the performance of UMKM in Gerokgak District. This study uses a quantitative approach with 72 respondents. The method of determining the sample used is purposive sampling technique, by detrmining the number of samples using Yount’s (1999) formula. The data used are primary data obtained through questionnaires and measured using a likert scale and secondary data obtained from documents at the Department of Cooperative, and UMKM in Buleleng Regency regarding the development of UMKM in the Gerokgak District. The data analysis techniques used are Validity Test, Reliability Test, Classis Assumption Test, Multiple Linear Regression Analysis, Coefficient of Determination Test and T Test with the help of Microsoft Excel and IBM SPSS 25.0 For Windows.The results showed that financial knowledge, access to capital, and personal characteristics had a positive effect on the performance of UMKM in Gerokgak District.

Keywords: Financial Knowledge, Access of Capital, Personal Characteristics, and Performance of UMKM in Gerokgak District

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