Determinan Kesejahteraan Keuangan Perempuan Pesisir: Peran Literasi Keuangan dan Inovasi Pangan
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Abstract
Perempuan pesisir memiliki peran strategis dalam meningkatkan ketahanan ekonomi keluarga melalui berbagai aktivitas pengolahan hasil perikanan dan usaha mikro berbasis sumber daya lokal. Meskipun demikian, keterbatasan literasi keuangan dan kapasitas inovasi masih menjadi tantangan dalam mewujudkan kesejahteraan keuangan yang berkelanjutan. Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan inovasi pangan terhadap kesejahteraan keuangan perempuan pesisir di Sulawesi Selatan. Menggunakan pendekatan kuantitatif dengan metode survei terhadap 200 perempuan pesisir yang menjalankan usaha pengolahan hasil laut di Kabupaten Bulukumba, Takalar, dan Bantaeng. Pengumpulan data dilakukan menggunakan kuesioner berukuran Likert, Analisis data menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif namun tidak signifikan terhadap kesejahteraan keuangan. Sebaliknya, inovasi pangan berpengaruh positif dan signifikan serta menjadi faktor paling dominan dalam meningkatkan kesejahteraan keuangan perempuan pesisir. Secara simultan, literasi keuangan dan inovasi pangan berpengaruh signifikan terhadap kesejahteraan keuangan (Adjusted R² = 0,6655; p < 0,001), dengan inovasi pangan menjadi variabel yang memberikan pengaruh paling dominan. Hasil penelitian menunjukkan bahwa inovasi pangan merupakan faktor yang memiliki pengaruh lebih kuat dibandingkan literasi keuangan dalam menjelaskan kesejahteraan keuangan perempuan pesisir.
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