LITERASI KEUANGAN DAN PEMANFAATAN PELUANG USAHA PADA UMKM DI KOTA KENDARI

Abstrak

This study aims to examine the role of financial literacy in business opportunity utilization and business resilience among Micro, Small, and Medium Enterprises (MSMEs) in Kendari City amid increasing economic uncertainty. This study employed a qualitative interpretive approach using in-depth interviews, observation, and documentation involving 15 purposively selected MSME owners. The findings reveal that financial literacy functions not merely as financial knowledge but as a behavioral capability that shapes financial management practices, entrepreneurial decision-making, opportunity recognition, and business adaptation strategies. Entrepreneurs with stronger financial literacy demonstrate greater financial discipline, risk management capability, and confidence in pursuing business opportunities. In contrast, those with lower financial literacy tend to rely on intuition and face greater difficulties in sustaining business growth. The study further identifies a significant gap between macroeconomic resilience and microeconomic realities experienced by MSMEs. The novelty of this research lies in integrating financial literacy, business opportunity utilization, and business resilience within a single qualitative analytical framework that explains how entrepreneurs adapt and make strategic decisions in uncertain environments. The findings highlight the importance of contextualized and sustainable financial literacy programs to strengthen MSME resilience in developing economies.

Kata kunci

• Community Participation
• Government Contribution
• Private Sector Contribution
• Strengthening Independent Villages