The Effect Of Entrepreneurship Incubation, Financial Literacy, and Digital Literacy On MSME Development In Banten Province With Creativity Media
DOI:
https://doi.org/10.64243/JODIGBI.01.2.05Keywords:
entrepreneurship incubation, financial literacy,, digital literacy, MSME development, Creativity, PLS-SEMAbstract
This study aims to analyse the effect of entrepreneurial incubation, financial literacy, and digital literacy on the development of MSMEs in Banten province with creativity mediation. Primary data in this study were obtained through non-probability sampling techniques with purposive sampling method, where respondents were selected based on certain criteria. The research sample consisted of 142 MSMEs that had received entrepreneurship incubation from Banten province. Data collection was conducted through an independent survey using an online questionnaire. The research method used was descriptive quantitative with a Structural Equation Modelling-Partial Least Square (PLS-SEM) approach. The results showed that entrepreneurial incubation, financial literacy, and digital literacy had a positive and significant effect on MSME development in Banten province. In addition, creativity is proven to play a role as a mediating variable in the relationship between independent variables and MSME development. The findings confirm the importance of entrepreneurial incubation, financial literacy and digital literacy in improving MSME development.
References
AbdRachim, ResliantyRachim, Zulkipli, Zulkipli. (2023). Analisis kemampuan literasi digital dalam meningkatkan kreativitas pelaku usaha pasca pandemi Covid-19.
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1). https://doi.org/10.20885/jsb.vol20.iss1.art1
Asmannisa Rahmawati. (2023). Pengaruh Literasi keuangan dan Self-Efficacy Terhadap Kinerja UMKM melalui media Perilaku Pengelolaan Keuangan.
Aulia Putri, N., Nikensari, I., Dianta, K., & Sebayang, A. (n.d.). Analisis Literasi Digital, Dukungan Modal Usaha Dan Kepercayaan Diri Terhadap Kemudahan Berbisnis Secara Digital (Studi Kasus UMKM Penyandang Disabilitas di DKI Jakarta). http://jurnal.jomparnd.com/index.php/jk
Dahrani, D., Saragih, F., & Ritonga, P. (2022). Model Pengelolaan Keuangan Berbasis Literasi Keuangan dan Inklusi Keuangan: Studi pada UMKM di Kota Binjai. Owner, 6(2), 1509–1518. https://doi.org/10.33395/owner.v6i2.778
Fardani, F. E., Ketut, I., Sudiarditha, R., Dianta, K., & Sebayang, A. (n.d.). p 487. Pengaruh Literasi Keuangan, Persepsi Kegunaan dan Kemudahan terhadap Minat Menggunakan QRIS pada Pelaku UMKM di DKI Jakarta. In Jurnal Serambi Ekonomi dan Bisnis (Vol. 7, Issue 2). https://ojs.serambimekkah.ac.id/serambi-
Hardana, IAIN Padangsidimpuan Jalan Rizal Nurdin Km, A. T. (2018). Model Pengembangan Kewirausahaan di Perguruan Tinggi. Jurnal Ilmu Ekonomi Dan Keislaman, 6.
Hendrawan, A., Kuswantoro, F., & Sucahyawati, H. (2019). Nomer 1 | Maret. 2. https://doi.org/10.33488/1.jh.2019.2.194
Hidayah, N., & Setiawan, A. H. (2020). Analisis Perkembangan UMKM Binaan yang Memperoleh Kredit Wibawa dari Dinas Koperasi dan UMKM Kota Semarang. Diponegoro Journal of Economics, 9(1).
Hurriati, L., Rizaka Milania Ulafah, B., Pembangunan, E., & Ekonomi Universitas Islam Al -Azhar Mataram, F. (n.d.). The role of business incubators in helping develop new business accounts (study on MSMES assisted by the UNIZAR business incubator). www.smeindonesia.org
Husniyah, N., Ramadansyah, E., Pertiwi, H., Fadhilia Tamara, A., Mariska Purwaamijaya, B., & Asep Nuryadin, dan. (2022). Economics and Digital Business Review Analisis Tingkat Literasi Digital UMKM di Jawa Barat.
Indah Winandari. (2022). Peran Asosiasi pengusaha mikro kecil dan menengah kabupaten Banyumas (ASPIKMAS) dalam Pengembangan UMKM di desa Kutasari kecamatan Baturaden kabupaten Banyumas. Skripsi.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Helmi Amba Dewi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
