Transformasi Finansial UMKM dalam Rantai Hilirisasi Industri: Peran Strategis Literasi Keuangan, Financial Capability, dan Akses Fintech di Priangan Timur
Kata Kunci:
UMKM, transformasi finansial, literasi keuangan, fintech, hilirisasi industriAbstrak
Transformasi keuangan UMKM menjadi salah satu kunci untuk memperkuat partisipasi pelaku usaha dalam ekosistem hilirisasi industri menuju Indonesia Emas 2045. Tujuan penelitian ini adalah untuk menganalisis pengaruh literasi keuangan, kapasitas pengelolaan keuangan, dan akses terhadap teknologi finansial (fintech) terhadap kesiapan UMKM dan keberhasilan usaha dalam rantai hilirisasi, dengan mempertimbangkan akses permodalan serta dukungan pemerintah sebagai mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 250 pelaku UMKM potensial yang tersebar di wilayah Priangan Timur, mencakup Kota Tasikmalaya, Kabupaten Tasikmalaya, Kabupaten Ciamis, Kota Banjar, dan Kabupaten Pangandaran. Data yang dikumpulkan dianalisis menggunakan metode Structural Equation Modeling-Partial Least Square (SEM-PLS) untuk menguji pengaruh langsung dan tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa literasi keuangan, kapasitas pengelolaan keuangan, dan akses fintech secara signifikan berkontribusi terhadap kesiapan UMKM untuk terlibat dalam hilirisasi, serta meningkatkan keberhasilan usaha dalam rantai pasok industri. Literasi dan kapasitas keuangan membantu pelaku UMKM dalam menyusun perencanaan, mengelola arus kas, serta mengambil keputusan strategis berbasis data. Sementara itu, pemanfaatan fintechmemperluas akses pembiayaan, mendorong efisiensi operasional, serta membuka peluang integrasi dengan ekosistem digital yang lebih luas. Akses permodalan dan dukungan pemerintah terbukti memperkuat hubungan antara kesiapan dan keberhasilan UMKM dalam proses hilirisasi. Simpulan dari penelitian ini menekankan pentingnya strategi integratif yang menggabungkan peningkatan kompetensi keuangan, akselerasi inovasi digital, dan keberpihakan kebijakan untuk mempercepat transformasi UMKM sebagai bagian dari pembangunan industri nasional yang inklusif dan berkelanjutan.Referensi
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