Literasi Keuangan dan Literasi Digital UMKM Kuliner Kota Padang Sebagai Penggerak Pemulihan Ekonomi Masa Pandemi Global Covid 19

Abstract

The purpose of the study was to look at the effect of financial literacy and digital literacy on the turnover of culinary SMEs in Padang City during the covid 19 pandemic partially and simultaneously.  The research method used an associative method with a quantitative approach. The research population was 371 samples, 193 were taken by purposive sampling. Data collection techniques with field research, interviews, observations and questionnaires. All research variables meet all instrument tests and classical assumption tests. The results of the multiple linear regression equation obtained Y = 1.657 + 0.539X1 + 0.723X2 + e. Testing the hypothesis partially and simultaneously at a significance level of 5% shows that financial literacy and digital literacy have a significant positive effect on the turnover of culinary SMEs in the city of Padang. The correlation between financial literacy and digital literacy with culinary SMEs turnover is 0.796 (strong),  R2 = 0.633 and Adjusted R square = 0.625  ABSTRAK Tujuan penelitian melihat  pengaruhliterasi keuangan dan literasi digital terhadap omset UMKM kuliner kota Padang saat pandemic covid 19 secara parsial dan simultan. Metode penelitian memakai metode asosiatif dengan pendekatan kuantitatif. Populasi penelitian 371sampel 193 diambil secara purposive  sampling. Teknik pengumpulan data dengan field research, wawancara, observasi dan angket. Semua variabel penelitian  memenuhisemua uji instrumen dan uji asumsi klasik. Hasil persamaan regresi linier berganda  didapat  Y = 1,657 + 0,539X1 + 0,723X2+ e. Uji hipotesis secara parsial dan simultan  pada tingkat signifikansi 5% menujukkan literasi keuangan dan literasi digital berpengaruh positif signifikan terhadap omset UMKM kuliner kota Padang. Korelasi literasi keuangan dan literasi digital dengan omset UMKM kuliner  0,796 (kuat)  dan R2 = 0,633 serta Adjusted R square = 0,625