Pengaruh Literasi Keuangan dan Digital Capability terhadap Kinerja Usaha Mahasiswa
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan kapabilitas digital terhadap kinerja usaha mahasiswa. Perkembangan kewirausahaan siswa di Indonesia mulai menunjukkan perkembangan yang meningkat dengan perlahan dan menunjukkan tren positif. Kinerja usaha mahasiswa dipengaruhi beberapa faktor internal seperti literasi keuangan dan kapabilitas digital yang bepengaruh pada kinerja UMKM. Menggunakan pendekatan kuantitatif dengan menggunakan metode survei melalui kuesioner kepada 50 siswa. Hasil penelitian menunjukkan literasi keuangan berpengaruh positif signifikan terhadap kinerja usaha (t = 2,018; Sig = 0,049), sedangkan kemampuan digital tidak berpengaruh signifikan secara parsial (t = 1,727; Sig = 0,091). Hasil Uji Simultan kedua variabel memberikan pengaruh signifikan terhadap kinerja usaha (F = 7,559; Sig = 0,001) dengan R² = 0,243, yang artinya literasi keuangan dan kapabilitas digital bisa menjelaskan 24,3% variasi kinerja usaha mahasiswa. Penelitian ini diharapkan memberikan usaha dan saran yang mendukung pengembangan kewirausahaan mahasiswa seperti literasi keuangan dan kemampuan digital sebagai faktor pendukung keberhasilan usaha .
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