Strategi Penguatan Keberlangsungan Usaha Melalui Edukasi Literasi Keuangan: Studi Pada Sentra Indutri Tempe Sanan

Mega Noerman Ningtyas, Novi Lailiyul Wafiroh


Education to improve the understanding of financial literacy in MSMEs is one of the efforts that can be carried out to enrich their knowledge. This knowledge will be useful for their business, especially for sustainability of their business. This research was conducted at the Tempe Sanan Industrial Center, Malang using a qualitative method, that is interviews. The results of the study show that not all business actors have sufficient financial literacy, especially if it is related to the investment context. However, business actors are considered sufficient to have a good financial attitude but not for things such as: making budgets, monitoring cash flows, and planning business protection. This is because business actors are too busy with their business operations so they do not have enough time to do the things above.



Financial Literacy, Business Sustainability, MSEMs, strategy

Full Text:



Abdul Razak, D., & Amin, H. (2020). the Effects of Financial Knowledge, Socialisation, Attitude and Skill on Malaysian Smes’ Performance. International Journal of Industrial Management, 8(1), 1–11.

Andarsari, P. R., & Ningtyas, M. N. (2019). The Role of Financial Literacy on Financial Behavior. Jabe (Journal of Accounting and Business Education), 4(1), 24.

Aribawa, D. (2016). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan. Jurnal Siasat Bisnis, 20(1), 1–13.

Dahmen, P., & Rodríguez, E. (2014). Financial Literacy and the Success of Small Businesses: An Observation from a Small Business Development Center. Numeracy, 7(1).

Fatoki, O. (2014). The Financial Literacy of Micro Entrepreneurs in South Africa. J See Sel, Vol 40 (2).

Hussain, J., Salia, S., & Karim, A. (2018). Is knowledge that powerful? Financial literacy and access to finance: An analysis of enterprises in the UK. Journal of Small Business and Enterprise Development, 25(6), 985–1003.

Hung, AA., Parker, AM., and Yoong, J. (2009). Defining and Measuring Financial Literacy. RAND Working Papers

Lusardi, A., and Mitchell, O.S. (2005). Financial Literacy and Planning: Implicationsfor Retirement Wellbeing. Working Paper, WP 2005-108.

Mandell, L. and Klein, L.S. (2009). The Impact of Financial Literacy Education on Subsequent Financial Behavior. Journal of Financial Counseling and Planning, Vol. 20 (1), 15-24.

Manurung, J.J., dan Manurung, A.H. (2009). Ekonomi Keuangan dan Kebijakan Moneter. Jakarta: Salemba Empat.

Ningtyas, M. N., & Andarsari, P. R. (2021). Peran Perilaku Keuangan dalam Memoderasi Literasi Keuangan dan Keberlangsungan Usaha. Jurnal Riset Dan Aplikasi: Akuntansi Dan Manajemen, 5(1), 37–44.

Oseifuah, E.K. (2010). Financial Literacy and Youth Entrepreneurship in South Africa. African Journal of Economy and Management Studies, Vol. 1 (2).

Pankow, D. (2003). Financial Values, Attitudes and Goals. NDSu Extension Circular.

Puspitaningtyas, Z. (2017). Manfaat Literasi Keuangan bagi Business Sustainability. Seminar Nasional Kewirausahaan Dan Inovasi Bisnis VII, May.

Suryani, S., Nuraini, E., Kadir, E.A., dan Ramadhan, S. (2017). Analysis of Financial Literacy in Micro Business in Pekanbaru Indonesia. Proceeding, The 14th UBAYA International Annual Symposium on Management

Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in west java, indonesia. International Symposia in Economic Theory and Econometrics, 27, 39–48.


Editorial Office:
Management Department,
Faculty of Economics,
State Islamic University of Maulana Malik Ibrahim
Gajayana Str. No. 50 Phone. 082334248882

E-ISSN 2614-3437
P-ISSN 1829-524X

Lisensi Creative Commons
IQTISHODUNA under CC BY SA 4.0 Internasional.

Indexed by: 


Member of:

View My Stats