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Dassucik, Dassucik
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Financial Accessibility, Business Development, and the Economic Welfare of MSMEs in Rural Indonesia Dassucik, Dassucik; Rasyidi, Ahmad Hafas
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.57052

Abstract

This study examines how capital structure and KUR accessibility influence the economic welfare of Micro, Small, and Medium Enterprises (MSMEs). It contributes to MSME financing research by extending the Resource-Based View (RBV), positioning financial accessibility as a strategic internal capability that drives business development and resilience. Using survey data from 130 MSME owners analyzed with SmartPLS 4.0, the study finds that both capital structure and financing accessibility significantly affect business development, which mediates their impact on economic welfare. Microcredit program (KUR) plays a vital role in reducing financial constraints and promoting firm growth. The results underscore that strengthening financial inclusion and managing financial resources strategically are essential to sustaining MSME competitiveness and long-term economic growth.
Co-Authors Abdul Halik Ahmad Hilmi Aisyahtul Magfiroh Bahri, M.Saiful Darmawati, Lusi Endang Sri Endang Sri D., Lusi Hafas Rasyidi, Ahmad HUSNUL KHOTIMAH Ikhsan, Fahrul Irwin Sukrisno Sugeng Iyetul M, Siti Irfa Lutfi Lutfi Mailani Komariah, Kholifah Mathori, Mathori Nikmah, Ulin Nindi Kamila Indawati Nur Azizah Nur Hasanah Rasyidi, Ahmad Hafas Raudatul Jannah raudatul jannah Romadaniyatul Fitri, Vina Sari, Mery Kartika Setiawan, Yudis Siti Masruroh Siti Mujanah Sumardiyanto Sumardiyanto Susbiyantoro, Susbiyantoro Syavardie, Yimmi Wahyudi Wahyudi Yudha Praja Zaim Eka Firdaus