Sebuah LITERASI KEUANGAN DIGITAL, EFIKASI DIRI DAN KEBERLANJUTAN USAHA KECIL DAN MENENGAH: SEBUAH TINJAUAN NARATIF
Abstract
Penelitian ini berfokus pada peran literasi keuangan, literasi digital, dan efikasi diri sebagai aset tidak berwujud yang melekat pada pelaku usaha dalam mendorong kinerja keberlanjutan usaha kecil dan menengah (UKM). Pendekatan ini menggunakan Regulatory Focus Theory (RFT) sebagai landasan teoritis untuk menjelaskan bagaimana motivasi individu baik yang berorientasi pada pencapaian (promotion focus) maupun pada pencegahan risiko (prevention focus) mempengaruhi pemanfaatan aset-aset tersebut dalam menghadapi tantangan bisnis. Melalui metode Narrative Literature Review, penelitian ini menganalisis berbagai studi terdahulu yang membahas hubungan antara literasi keuangan, literasi digital, dan efikasi diri dengan kinerja keberlanjutan di sektor UKM. Hasil kajian menunjukkan bahwa ketiga faktor tersebut berkontribusi positif terhadap keberlanjutan bisnis, meskipun terdapat beberapa temuan yang menunjukkan hasil berbeda tergantung pada konteks dan karakter pelaku usaha. Celah penelitian yang ditemukan dapat menjadi dasar untuk penelitian lanjutan yang lebih mendalam dan kontekstual. Penelitian ini diharapkan dapat memberikan pemahaman baru terkait pentingnya pendekatan motivasional dalam pengelolaan aset tidak berwujud, serta mendorong peran aktif pemerintah dan institusi pendidikan dalam meningkatkan kapasitas pelaku UKM melalui program literasi dan pelatihan bisnis.
This study focuses on the role of financial literacy, digital literacy, and self-efficacy as intangible assets inherent in business actors in driving the sustainability performance of small and medium enterprises (SMEs). This approach uses the Regulatory Focus Theory (RFT) as a theoretical basis to explain how individual motivations, both promotion focus and prevention focus, influence the utilization of these assets in facing business challenges. Through the Narrative Literature Review method, this research analyzes various previous studies that discuss the relationship between financial literacy, digital literacy, and self-efficacy with sustainability performance in the SME sector. The results show that all three factors contribute positively to business sustainability, although there are some findings that show different results depending on the context and character of the business actors. The research gaps found can be the basis for further research that is more in-depth and contextualized. This research is expected to provide a new understanding of the importance of a motivational approach in managing intangible assets, and encourage the active role of government and educational institutions in increasing the capacity of SMEs through business literacy and training programs.
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References
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Dwiastanti, A. (2015). Financial Literacy as The Foundation for Individual Financial Behavior. Journal of Education and Practice. Vol 6. No 33. Pp 99-105
Diptayana, P., Rokhmania, N., & Herlina, E. (2022). Financial Literacy, Digital Literacy and Financing Preferences Role to Micro and Small Enterprises’ Performance. International Journal of Entrepreneurship and Business Development. Vol 5. No 2. Pp DOI https://doi.org/10.29138/ijebd.v5i2.1785
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Handrito, R. P., Slabbinck, H., & Vanderstraeten, J. (2023). Stuck in Short-Term, Daily Operations, or not?: Unraveling SME’s Long Term Orientation. Small Bus Econ. Vol 61. Pp 1723-1745 DOI https://doi.org/10.1007/s11187-023-00748-4
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Kosiol, J., Fraser, L., Fitzgerald, A., & Radford, K. (2023). Resource-Based View: A New Strategic Perspective for Public Health Service Managers. Asia Pacific Journal of Health Management. Vol 18. No 1. Pp 1-12 DOI 10.24083/apjhm.v18i1.2053
Lee, C., Wu, C., & Jong, D. (2022). Understanding The Impact of Competitive Advantage and Core Competency on Regional Tourism Revitalization: Empirical Evidence in Taiwan. Fronts. Psychol. Vol 13 Pp 1-13 DOI 10.3389/fpsyg.2022.922211
Lone, U. M., & Bhat, S. A. (2022). Impact of Financial Literacy on Financial Well-Being: A Mediational Role of Financial Self-Efficacy. Journal of Financial Services Marketing. Pp 1-16 DOI doi: 10.1057/s41264-022-00183-8.
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Mawaddah, H. (2019). Analisis Efikasi Diri pada Mahasiswa Psikologi Unimal. Jurnal Psikologi Terapan (JPT). Vol 2. No 2. Pp 19-26
Melo, I. C., Junior, P. N. A., Querioz, G. A. Yushimito, W., & Pereira, J. (2023). Do We Consider Sustainability When We Measure Small and Medium Enterprises’ (SME’s) Performance Passing Through Digital Transformation?. Sustainability. 15, 4917. DOI https://doi.org/ 10.3390/su15064917
Miswanto, et al. (2023). Investigating The Influence of Financial Literacy and Supply Chain Management on The Financial Performance and Sustainability of SMEs. Uncertain Supply Chain Management. Vol 12. Pp 407-415 DOI 10.5267/j.uscm.2023.9.011
Mochammad, B., Najib, M., & Ali, M. M. (2020). Factor Affecting Business Sustainability of Small and Medium Coffee Shop. Jurnal Teknologi Industri Pertanian. Vol 30. No 3. Pp 308-318 DOI: https://doi.org/10.24961/j.tek.ind.pert.2020.30.3.308
Molatiya, R., Setha, S., Dhillon, S. S., & Padmanabhan, J. (2023). Exploring The Conceptual Understanding of Digital Literacy: A Framework For Promoting Digital Literacy in The Digital Era. Humanities and Social Studies. Vol 12. No 2. Pp 65-72
Naufal, H. A. (2021). Literasi Digital. Jurnal Perspektif. Pp 195-202 DOI 10.53947/perspekt.v1i2.32
Novita, D., & Husna, N. (2020). Competitive Advantage in The Company. Technobiz. Vol 3. No 1. Pp 14-18
Nugraha, D. (2022). Literasi Digital dan Pembelajaran Sastra Berpaut Literasi Digital di Tingkat Sekolah Dasar. Jurnal BASICEDU. Vol 6. No 6. Pp 9230-9244 DOI https://doi.org/10.31004/basicedu.v6i6.3318
Nugroho, A. P. (2023). Qualitative Investigation: Exploring the Challenges Faced by Indonesian SMEs in Accessing Financial Services in Sukabumi City. West Science Interdisciplinary Studies. Vol 1. No 5. Pp 183-193 https://wsj.westscience-press.com/index.php/wsis
Nurcahyani, H. (2023). Penelitian Strategi Pengembangan Koleksi di Perpustakaan Pada Google Scholar: Sebuah Narrative Literature Review. Jurnal Pustaka Budaya. Vol 10. No 1. Pp 32-43
Nurlina,. Rosa, D. Y., & Yanti, B. (2023). The Effect of Digital Literacy and Business Strategy On The Performance of Micro, Small, and Medium Enterprises (MSMEs) in Culinary Industry in Padang City. International Journal of Progressive Sciences and Technologies. Vol 38. No 2. Pp 252-255 DOI 10.52155
Parmitasari, R. D. A., & Rusnawati. (2023). Sustainability and Performance of Small and Medium Business: The Role of Financial Literature. International Journal of Professional Business Review. Vol 8. No 5. Pp 01-12. DOI https://doi.org/10.26668/businessreview/2023.v8i5.1048
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Published
2025-04-30
How to Cite
UTAMA, I Kadek Andika Budi; SURYA PRAMANA, Made.
Sebuah LITERASI KEUANGAN DIGITAL, EFIKASI DIRI DAN KEBERLANJUTAN USAHA KECIL DAN MENENGAH: SEBUAH TINJAUAN NARATIF.
E-Jurnal Manajemen, [S.l.], v. 14, n. 4, p. 253 - 268, apr. 2025.
ISSN 2302-8912.
Available at: <https://ojs.unud.ac.id/index.php/manajemen/article/view/125101>. Date accessed: 02 may 2025.
doi: https://doi.org/10.24843/EJMUNUD.2025.v14.i4.p04.
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