SKRIPSI PBS
PENGARUH LITERASI KEUANGAN SYARIAH DAN EFIKASI DIRI KEUANGAN TERHADAP INKLUSI KEUANGAN SYARIAH UMKM DI SURAKARTA
ABSTRACT
This study aims to determine the effect of sharia financial literacy and
financial self-efficacy on the sharia financial inclusion of SMEs in Surakarta. This
study uses a quantitative method with the population used are members of the
Surakarta SMEs Forum as many as 110 people. The sample in this study were 52
respondents. This study uses a non-probability sampling technique with purposive
sampling method. The data was processed using multiple linear regression
analysis technique with SPSS program version 22.
The results show that sharia financial literacy has no effect on MSMEs
sharia financial inclusion, with a partial value of t count = 0.620 < t table =
2.008. Financial self-efficacy has no effect on the sharia financial inclusion of
MSMEs, with a partial value of t count = 0.075 < t table = 2.008. Meanwhile,
financial literacy and financial self-efficacy have a simultaneous effect toward
sharia financial inclusion MSMEs with f count = 5.901 > f table = 2.80.
Keywords: Sharia financial literacy, Financial self-efficacy, and MSME sharia
financial inclusion.
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