Sutarno, Kaulian Kris Ponty (2023) THE LACK OF FINANCIAL LITERACY FACTORS CAUSES FAILURE ON STUDENT BUSINESS (OBJECT STUDY: STUDENT MSMES IN DIPONEGORO UNIVERSITY). Undergraduate thesis, FAKULTAS ILMU SOSIAL DAN ILMU POLITIK.

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Abstract

As much as 60% of the businesses submitted by students at Program
Mahasiswa Wirausaha Universitas Diponegoro experienced setbacks until closure
because they could not survive in the market. The purpose of this research is to
identify the failure factors of Diponegoro University student businesses by using
in-depth interviews with eleven informants to explore student experiences and
photographers as business actors in running their businesses, with the findings
depicted in diagrams to represent the causes and relationships of the factors that are
causing a setback in the business of students who receive mentoring and financial
assistance from Program Mahasiswa Wirausaha Universitas Diponegoro.
This research suggests enhancing the understanding of financial literacy and
the comprehensive business strategy of each business and improving the system of
Program Mahasiswa Wirausaha. The results of this research show that financial
literacy contributes to the declining in business performances. However, the main
factor is Human Resources management is fragmented or ineffective, and additional
factors are identified that contribute to business setbacks, including lack of
transparency, fraud, communication issues, coordination difficulties between team
members, focus on personal activities, external factors such as the COVID-19
pandemic, competitors, inadequate marketing strategies and business incubators.

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