LITERASI KEUANGAN DALAM HUBUNGANNYA DENGAN KEBERLANGSUNGAN UMKM DAN KESEJAHTERAAN MASYARAKAT DI KABUPATEN GIANYAR
DOI:
https://doi.org/10.26486/jramb.v7i1.1609Keywords:
Literasi Keuangan, Keberlangsungan Usaha, Kesejahteraan Masyarakat, UMKMAbstract
Setiap individu perlu memiliki life skill berupa pengetahuan mengenai literasi keuangan dalam menjalani kehidupan sehari-hari. Pentingnya literasi keuangan tersebut, nyatanya tidak diimbangi dengan tingginya tingkat literasi keuangan di Indonesia.  Usaha Mikro Kecil dan Menengah (UMKM) menjadi salah satu pihak yang diharapkan dapat meningkatkan pemahaman mengenai literasi keuangan demi terwujudnya keberlangsungan usaha dan kesejahteraan masyarakat. Adapun tujuan dalam penelitian ini adalah untuk mendapatkan gambaran yang mendalam mengenai literasi keuangan dalam hubungannya dengan keberlangsungan UMKM dan kesejahteraan masyarakat di Kabupaten Gianyar. Literature reviewdigunakan sebagai metode penelitian dalam penelitian ini. Hasil dalam penelitian ini adalah terdapat hubungan antara literasi keuangan dengan keberlangsungan UMKM dan kesejahteraan masyarakat, sehingga penting apabila digalakkan program agar pelaku usaha meningkatkan literasi keuangan. Terlebih terdapat beberapa hal yang menjadi kelemahan dalam mewujudkan literasi keuangan UMKM di Kabupaten Gianyar diantaranya adalah kurangnya edukasi dan pengetahuan pelaku usaha mengenai keuangan. Berdasarkan kendala tersebut, maka literasi keuangan bagi pelaku UMKM dapat ditingkatkan melalui program edu-finance meliputi pelatihan-pelatihan yang mencakup planning(perencanaan), implementation (pelaksanaan) dan follow-up (tindak lanjut).References
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