PENGARUH LITERASI KEUANGAN DAN INOVASI PRODUK TERHADAP OMZET UMKM STUDI KASUS: BAZAR ANDARA

PUTRI AINIYYAH MUHAMAD, . (2026) PENGARUH LITERASI KEUANGAN DAN INOVASI PRODUK TERHADAP OMZET UMKM STUDI KASUS: BAZAR ANDARA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan menganalisis pengaruh Literasi Keuangan dan Inovasi Produk terhadap Omzet Penjualan studi kasus; Bazar Andara. Metode yang digunakan adalah kuantitatif dengan desain survei; unit analisis berupa UMKM dalam Bazar Andara dan sampel sebanyak 115 responden yang dipilih dengan purposive sampling. Data dikumpulkan melalui kuesioner daring dan dianalisis menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS) dengan bantuan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap omzet penjualan UMKM (koefisien = 0,597; t = 5,357; p < 0,001) serta berpengaruh positif dan signifikan terhadap inovasi produk (koefisien = 0,676; t = 7,961; p < 0,001). Namun, inovasi produk tidak berpengaruh signifikan terhadap omzet penjualan (koefisien = 0,058; t = 0,473; p = 0,357). Selain itu, pengaruh tidak langsung literasi keuangan terhadap omzet penjualan melalui inovasi produk juga tidak signifikan (indirect = 0,039; t = 0,357; p = 0,361), sehingga inovasi produk tidak mampu memediasi hubungan antara literasi keuangan dan omzet penjualan UMKM. Berdasarkan temuan tersebut, disarankan agar pelaku UMKM meningkatkan literasi keuangan melalui pengelolaan keuangan yang lebih baik, sedangkan pemerintah dan pengelola Bazar Andara perlu memperkuat program pendampingan yang tidak hanya berfokus pada inovasi produk, tetapi juga pada strategi pemasaran, pengembangan usaha, dan pengelolaan keuangan agar mampu meningkatkan omzet penjualan. ***** This study aims to analyze the effect of financial literacy and product innovation on sales turnover, with a case study of MSMEs at Andara Bazaar. This study employed a quantitative approach using a survey research design. The unit of analysis consisted of MSMEs operating at Andara Bazaar, with a sample of 115 respondents selected through purposive sampling. Data were collected through an online questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with the assistance of SmartPLS 4.0. The results of this study indicate that financial literacy has a positive and significant effect on MSME sales turnover (coefficient = 0.597; t = 5.357; p < 0.001) and also has a positive and significant effect on product innovation (coefficient = 0.676; t = 7.961; p < 0.001). However, product innovation does not have a significant effect on sales turnover (coefficient = 0.058; t = 0.473; p = 0.357). Furthermore, the indirect effect of financial literacy on sales turnover through product innovation is not significant (indirect effect = 0.039; t = 0.357; p = 0.361), indicating that product innovation is unable to mediate the relationship between financial literacy and MSME sales turnover. Based on these findings, it is recommended that MSME owners improve their financial literacy through better financial management practices. In addition, the government and the management of Andara Bazaar should strengthen assistance programs that focus not only on product innovation but also on marketing strategies, business development, and financial management to support the improvement of sales turnover.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Riswandi, M.Pd.E.; 2). Aditya Pratama, S.Pd, M.Pd.
Subjects:	Ilmu Sosial > Keuangan Ilmu Sosial > Kewirausahaan Manajemen > Manajemen , Business
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Putri Ainiyyah Muhamad .
Date Deposited:	11 Aug 2026 09:17
Last Modified:	11 Aug 2026 09:17
URI:	http://repository.unj.ac.id/id/eprint/69985

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