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All Journal Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan
Sutisna Sutisna
Universitas Padjadjaran
Social Sciences

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The Influence of Business Management and Micro-Credit Accessibility on MSME Performance and Its Impact on the Welfare of MSME Actors (Study on MSME Debtors of Bank Mandiri in Bandung City) Abe Sanjaya; Asep Mulyana; Sutisna Sutisna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6424

Abstract

Micro, Small and Medium Enterprises (MSMEs) are business sectors that have great potential to develop and contribute significantly to the national economy. However, MSMEs still face several obstacles in carrying out their business activities, namely weak management of Business Management and MSME accessibility to financing from financial service institutions. MSMEs can access operational funds and investment funds through microcredit. It is hoped that microcredit can help and encourage MSME actors to continue to develop and achieve optimal business performance and have a positive impact on the welfare of MSME actors. This study aims to analyze the Influence of Business Management and Microcredit Accessibility on MSME Performance and Its Impact on the Welfare of MSME Actors. This study was conducted on 240 MSME debtors of Bank Mandiri in Bandung City by distributing questionnaires. This study uses the Sequential Explanatory Analysis method using Partial Least Square (PLS) with the help of SmartPLS 3.0 software. The results of this study indicate that effective Business Management and good Microcredit Accessibility have a positive and significant effect on improving MSME Performance and have a positive and significant impact on the Welfare of MSME Actors. This study is expected to provide comprehensive insights for MSME actors and stakeholders in formulating better MSME development strategies.
The Effect of People's Business Credit Facility (KUR) and Financial Literacy on the Welfare of MSME Actors with Business Productivity as a Mediation Variable Tommy Wahyu Pratomo; Veisya Afra Nurprayasha; Sulaeman Rahman Nidar; Sutisna Sutisna
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 20, No. 2 : Al Qalam (March 2026)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v20i2.6438

Abstract

Based on data from the Ministry of Cooperatives and SMEs, the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia reached 64.2 million units and contributed 61.07% to the Gross Domestic Product (GDP). West Java Province ranks first with the largest number of MSMEs, including the Jatinangor area which is experiencing rapid growth of MSMEs along with its development as an educational area. However, most MSME players in this region face obstacles in business development due to low financial literacy and limited access to formal financing, such as the People's Business Credit (KUR). Bank Mandiri, as one of the largest KUR channeling banks, has developed digital innovations and strategic partnerships to increase the financial inclusion of MSME players. This study aims to analyse the effect of KUR facilities and financial literacy on the welfare of MSME actors, with business productivity as a mediating variable. The research method used is quantitative with a Partial Least Square - Structural Equation Modeling (PLS-SEM) approach. Based on the results of the analysis of data obtained from MSME actors in Jatinangor, it was found that KUR and financial literacy have a direct and significant effect on productivity and welfare. In addition, productivity is proven to mediate the relationship between the two variables and welfare. The results of this study suggest that strengthening access to financing and improving financial literacy are key strategies in encouraging the productivity and welfare of MSMEs in a sustainable manner, especially in semi-urban areas such as Jatinangor.
Co-Authors Abe Sanjaya Asep Mulyana Sulaeman Rahman Nidar Tommy Wahyu Pratomo Veisya Afra Nurprayasha