THE DEVELOPMENT OF MSME FINANCIAL LITERACY WITH TRIPLE HELIX MODEL

EDY FIRZA, ZULKIFLI ABDULLAH

Abstract


This research explores the problems that occur at MSMEs, these problems will be overcome by formulating programs to increase MSME financial literacy with the triple helix model. The data will be analyzed qualitatively with the final result in the form of MSME financial literacy development program.The results showed that the factors that caused the difficulty of developing MSMEs were the low level of financial literacy and the low entrepreneurial spirit of MSME entrepreneurs. Synergy between triple helix actors (government, academics, and MSMEs) is expected to be able to provide solutions to the problems faced by MSMEs. The programs are in the form of: guidance / consulting services, assisting, coaching / training, marketing access facilities, capital assistance, technology assistance, information assistance, capital loans, and establishing working groups. The programs will be set for a certain period starting from the short term, medium term, and long term.

Keywords


Financial literacy; triple helix; MSME

Full Text:

PDF

References


Abdullah, Zulkifli and Firza, Edy. (2018). The Escalation of Iron Craft Productivity Preserves the Sustainability of Domestic Creative Industri in Indonesia. Saudi Journal of Bussiness and Management Studies (SJBMS): Dubai.

Amaliyah, Riski dan Witiastuti, Rini Setyo. (2015). Analisis Faktor yang Mempengaruhi Tingkat LiterasiKeuangan di KalanganUmkm Kota Tegal. Management Analysis Journal4 (3).

Anggraeni, Birawani Dwi. (2015). Pengaruh Tingkat Literasi Keuangan Pemilik Usaha Terhadap Pengelolaan Keuangan. Studi Kasus: UMKM Depok. Journal of Program Vocational University of Indonesia. Vol. 3 No. 1.

Aribawa, Dwitya. (2016). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Jawa Tengah. Jurnal SIASAT BISNIS Vol. 20 No. 1, pp 1-13

Desiyanti, Rika (2016). Literasi dan Inklusi Keuangan Serta Indeks Utilitas UMKM di Padang. BISMAN Jurnal Bisnis & Manajemen Volume 2 Nomor 2.

Ghozali, Dimas M. dkk. (2017). Strategi Pengembangan Usaha Mikro, Kecil, Dan Menengah Batik Di Madura Melalui Human Capital Dan Peran Quadruple Helix. Kompetensi, Vol 11, No 2.

Gunardi, et al. (2017). The Use of Financial Literacy for Growing Personal Finance. Jurnal Keuangan dan Perbankan, 21(3): 446–458.

Hisyam, Ibnu, dkk. (2015). Model Perencanaan Kerjasama “Triple Helix” Pengembangan Industri Skala UMKM Pedesaan di Jawa Timur. Simposium Nasional RAPI X1V- 2015 FT UMS

Homan, Hery Syaerul. (2015). Comparative Study of Student Financial Literacy and Its Demographic Factors. First International Conference on Economics and Banking (ICEB-15): Atlantis Press.

Mabula, Juma Buhimila. (2016). Reviewing Financial Literacy for SMEs and Entrepreneurs in Developing Economies. International Journal of Science and Research (IJSR) Volume 5 Issue 6.

Mas’ud, M. Imron. (2015). Penyusunan Hirarki Triple Helix untuk Menentukan Prioritas Berkelanjutan UKM (Studi Kasus UKM D’organic). Seminar Nasional Teknologi 2015. Institut Teknologi Nasional Malang.

Norhamida, Hana dan Riyani, Etik Ipda. (2014). Model Literasi Keuangan (Financial Literacy) Tenaga Kerja Indonesia di Kabupaten Ponorogo, Jawa Timur. Universitas Terbuka.

Otoritas Jasa Keuangan. (2015). Buku saku otoritas jasa keuangan Edisi 2. Otoritas Jasa Keuangan. Otoritas Jasa Keuangan. Literasi Keuangan. Ojk.go.id

Septiana, Aldila. (2017). Studi Fenomenologi: Model Literasi Keuangan Pondok Pesantren Madura. Et-Tijarie Volume 4, Nomor 1.

Ratnawati, Tri dkk. (2018). Strategi Financial Literacy untuk Meningkatkan Kesejahteraan Masyarakat Industri Kawasan Wisata Kabupaten Gersik Jawa Timur. Seminar Nasional dan Call for Paper: Manajemen, Akuntansi dan Perbankan.

Widiastuti, C. Tri dan Santoso, Aprih. (2017). Model Manajemen Edu–Finance untuk Meningkatkan Literasi Keuangan pada UMKM Kayu Kota Semarang. Jurnal Bisnis dan Ekonomi (JBE), Vol. 24, No. 2 pp.112 – 118

Widowati, Mustika dan Winarto. (2017). Literasi Keuangan Pelaku UMKM Kota Semarang. Jurnal Ilmiah Akuntansi dan Keuangan (INFAK), Volume 3 Nomor 2.




DOI: http://dx.doi.org/10.15548/al-masraf.v5i1.436

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

  

View My Stats