Peran Inklusi Keuangan dan Financial Capital Terhadap Keberlanjutan Usaha UMKM Autentik di Ubud Dengan Digitalisasi Usaha Sebagai Variabel Moderasi
DOI:
https://doi.org/10.31933/ymaaz421Keywords:
Inklusi Keuangan, Financial Capital, Digitalisasi Usaha, Keberlanjutan Usaha, UMKMAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan dan financial capital terhadap keberlanjutan usaha UMKM autentik di Ubud dengan digitalisasi usaha sebagai variabel moderasi. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan dari 121 pelaku UMKM autentik di Pasar Ubud menggunakan kuesioner dan dianalisis dengan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa inklusi keuangan dan financial capital berpengaruh positif dan signifikan terhadap keberlanjutan usaha UMKM. Namun, digitalisasi usaha tidak terbukti memoderasi hubungan antara inklusi keuangan maupun financial capital terhadap keberlanjutan usaha. Temuan ini mengindikasikan bahwa pemanfaatan teknologi digital oleh UMKM masih belum optimal sehingga belum mampu memperkuat peran sumber daya keuangan dalam mendukung keberlanjutan usaha. Penelitian ini diharapkan dapat memberikan kontribusi teoretis dan praktis bagi pengembangan UMKM berbasis budaya di era digital.
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