Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan syariah, kemampuan keuangan syariah, dan inklusi keuangan syariah terhadap kinerja usaha mikro, kecil, dan menengah (umkm) di kota banda aceh, baik secara parsial maupun simultan. penelitian ini menggunakan pendekatan kuantitatif dengan metode survei, di mana data primer diperoleh melalui penyebaran kuesioner kepada 100 pelaku umkm yang beroperasi di kota banda aceh. data yang diperoleh dianalisis menggunakan perangkat lunak statistical package for the social sciences (spss). hasil penelitian menunjukkan bahwa literasi keuangan syariah dan inklusi keuangan syariah berpengaruh positif dan signifikan terhadap kinerja umkm, sementara kemampuan keuangan syariah berpengaruh negatif namun signifikan. selain itu, secara simultan literasi keuangan syariah, kemampuan keuangan syariah, dan inklusi keuangan syariah terbukti berpengaruh signifikan terhadap kinerja umkm di kota banda aceh. temuan ini menegaskan pentingnya peningkatan pemahaman, kemampuan, dan akses keuangan syariah dalam mendukung peningkatan kinerja dan keberlanjutan umkm. kata kunci : literasi keuangan syariah, kemampuan keuangan syariah, inklusi keuangan syariah, kinerja umkm

This study aims to analyze the effect of Islamic financial literacy, Islamic financial capability, and Islamic financial inclusion on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Banda Aceh City, both partially and simultaneously. This study uses a quantitative approach with a survey method, where primary data was obtained by distributing questionnaires to 100 MSME actors operating in Banda Aceh City. The data obtained were analyzed using Statistical Package for the Social Sciences (SPSS) software. The results showed that Islamic financial literacy and Islamic financial inclusion had a positive and significant effect on MSME performance, while Islamic financial capability had a negative but significant effect. In addition, simultaneously, Islamic financial literacy, Islamic financial capability, and Islamic financial inclusion were found to have a significant effect on the performance of MSMEs in Banda Aceh City. These findings emphasize the importance of increasing understanding, capability, and access to Islamic finance in supporting the improvement of MSME performance and sustainability. Keywords: Islamic Financial Literacy, Islamic Financial Capability, Islamic Financial Inclusion, MSME Performance