Dampak Financial Fragility terhadap Finansial Well-Being: Sebuah Analisis Empiris

Kadek Indah Kusuma Dewi; Kadek Indah Kusuma Dewi; Ni Luh Putu Widhiastuti; Sagung Oka Pradnyawati; Putu Adella Febrinata

doi:10.59086/jeb.v4i2.691

Authors

Kadek Indah Kusuma Dewi Universitas Mahasaraswati Denpasar
Indah Universitas Mahasaraswati Denpasar https://orcid.org/0000-0002-3874-9178
Ni Luh Putu Widhiastuti Universitas Mahasaraswati Denpasar
Sagung Oka Pradnyawati Universitas Mahasaraswati Denpasar
Putu Adella Febrinata Universitas Mahasaraswati Denpasar

DOI:

https://doi.org/10.59086/jeb.v4i2.691

Keywords:

Financial Fragility, Financial Well-Being, SMEs, Financial Resilience

Abstract

enelitian ini menganalisis dampak kerapuhan finansial terhadap kesejahteraan finansial pada usaha mikro, kecil, dan menengah (UMKM) di Denpasar, Bali. Kerapuhan finansial merujuk pada ketidakmampuan individu atau bisnis untuk bertahan dari guncangan ekonomi, sedangkan kesejahteraan finansial mencerminkan tingkat kepuasan dan rasa aman terhadap kondisi keuangan seseorang. Pendekatan kualitatif digunakan dalam penelitian ini, dengan wawancara mendalam yang dilakukan terhadap 100 pemilik UMKM. Hasil penelitian menunjukkan bahwa sebagian besar responden mengalami tingkat kerapuhan finansial yang tinggi, yang tercermin dari ketidakmampuan mereka untuk merasa aman dan percaya diri dalam menghadapi krisis keuangan. Meskipun sebagian besar responden merasa puas dengan kondisi keuangan mereka, pengelolaan keuangan dan perencanaan masa depan masih kurang optimal. Penelitian ini menyimpulkan bahwa tingginya tingkat kerapuhan finansial dapat menghambat pencapaian kesejahteraan finansial yang optimal, yang pada akhirnya berdampak pada keberlanjutan usaha dalam jangka panjang. Oleh karena itu, penelitian ini merekomendasikan peningkatan literasi keuangan dan perencanaan keuangan yang lebih baik di kalangan UMKM guna mengurangi kerapuhan finansial dan meningkatkan ketahanan finansial mereka.
This study analyzes the impact of financial fragility on financial well-being among micro, small, and medium enterprises (SMEs) in Denpasar, Bali. Financial fragility refers to an individual or business's inability to withstand economic shocks, while financial well-being reflects satisfaction and security regarding one's financial condition. A qualitative approach was used, with in-depth interviews conducted with 100 SME owners. The results show that the majority of respondents experience high levels of financial fragility, as reflected in their inability to feel secure and confident in facing financial crises. Although most respondents feel satisfied with their financial condition, financial management and future planning are still lacking. This study concludes that high financial fragility can hinder the achievement of optimal financial well-being, ultimately affecting the long-term sustainability of businesses. Therefore, this research recommends enhancing financial literacy and better financial planning among SMEs to reduce financial fragility and improve their financial resilience.

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