PENGARUH DEBT MANAGEMENT LITERACY DAN LOAN SELF-CONTROL TERHADAP LOAN REPAYMENT DIMEDIASI FINANCIAL INCLUSION USAHA KECIL MENENGAH

Ela Elliyana, . (2024) PENGARUH DEBT MANAGEMENT LITERACY DAN LOAN SELF-CONTROL TERHADAP LOAN REPAYMENT DIMEDIASI FINANCIAL INCLUSION USAHA KECIL MENENGAH. Doktor thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Usaha Kecil Menengah (UKM) memainkan peran vital dalam perekonomian indonesia, namun sering menghadapi tantangan dalam mengakses pembiayaan formal. Penelitian ini menggunakan Theory of Planned Behavior (TPB) dan Behavioral Life-Cycle (BLC) untuk menganalisis pengaruh Debt Management Literacy (DML), Loan Self-Control (LSC), dan Financial Inclusion (FI) terhadap Loan Repayment (LR) UKM. Sampel penelitian 254 UKM bankable di wilayah Jabodetabek.. Penelitian explanatory ini menggunakan dilakukan dengan menggunakan metode kuantitatif melalui Structural Equation Modeling (SEM) PLS4. Hasil penelitian menunjukkan bahwa DML memiliki pengaruh positif signifikan terhadap FI dan LR. LSC memiliki pengaruh positif signifikan terhadap FI dan LR. FI sebagai moderasi memperkuat hubungan antara DML dan LSC terhadap LR. Novelty penelitian ini terletak pada penggabungan BLC dan TPB, yang mengisi Theorytical GAP. Sedangkan untuk Emphirical GAP penelitian ini mengembangkan instrumen DML dan LSC, serta melengkapi FI dengan indikator barrier dan usag, hal ini memberikan bukti empiris baru mengenai pengaruhnya terhadap perilaku pembayaran pinjaman UKM. Implikasi mpiris hasil penelitian ini, adalah penyesuaian periode pengembalian pinjaman, pendampingan manajemen arus kas, dan peningkatan akses pembiayaan dapat membantu UKM dalam mengelola pembayaran pinjaman dengan lebih baik, sementara edukasi dan informasi memperkuat inklusi keuangan dan pengendalian diri terkait pinjaman. Rekomendasi hasil penelitian adalah peningkatan literasi manajemen utang melalui pelatihan, mentoring, dan akses informasi yang lebih baik. Perbaikan akses kredit dengan syarat fleksibel dan suku bunga rendah. Edukasi risiko pinjaman dan strategi pembayaran efisien untuk mendukung keberlanjutan usaha UKM.***********This study focuses on the factors affecting loan repayment (LR) in Indonesia's Small and Medium Enterprises (SMEs). SMEs play a vital role in the Indonesian economy but often face challenges in accessing formal financing. This study uses the Theory of Planned Behavior (TPB) and Behavioral Life-Cycle (BLC) to analyze the influence of Debt Management Literacy (DML), Loan Self-Control (LSC), and Financial Inclusion (FI) on LR. The research sample is 254 bankable SMEs in the Greater Jakarta area. This explanatory research uses a quantitative method. The results show that DML and LSC significantly influence SMEs' ability to repay timely loans. LSC demonstrates the importance of self-control in planning and adhering to budgets, avoiding impulsive decisions, and optimizing loans to support business growth. FI as moderation strengthens the relationship between DML and LSC with LR increases SMEs' access to formal financial services, and strengthens their resilience to economic uncertainty. The findings of this study provide important insights for financial institutions, governments, and related organizations in designing targeted financial literacy training programs and effective FI policies to support the sustainability and growth of SMEs in Indonesia to improve the financial stability of SMEs and encourage more inclusive and sustainable economic growth. The novelty of this study combines the behavioral life cycle theory and theory of planned behavior, filling the theoretical gap. Empirically, this study develops the DML and LSC instruments, and adds the barrier and usage dimensions to FI, providing new evidence on their influence on SME loan repayment behavior. Keywords: Debt Management Literacy, Financial Inclusion, Loan Self-Control, Loan Repayment, Small and Medium Enterprises (SMEs).

Item Type:	Thesis (Doktor)
Additional Information:	1. Prof. Dr. Umi Widyastuti, S.E., M.E ; 2. Prof. Agung Dharmawan Buchdadi, ST, M.M, Ph.D
Subjects:	Manajemen > Manajemen , Business
Divisions:	PASCASARJANA > S3 Ilmu Manajemen
Depositing User:	Users 23985 not found.
Date Deposited:	20 Aug 2024 07:03
Last Modified:	20 Aug 2024 07:03
URI:	http://repository.unj.ac.id/id/eprint/48792

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