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All Journal Jurnal Ekonomi JURNAL PROMOSI KESEHATAN INDONESIA Journal The Winners JIKSI (Jurnal Ilmu Komputer dan Sistem Informasi) Jurnal Kesehatan Andalas Binus Business Review Jurnal Riset Akuntansi dan Keuangan Martabe : Jurnal Pengabdian Kepada Masyarakat Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis Psikoislamedia : Jurnal Psikologi Poltekita : Jurnal Ilmu Kesehatan Kumawula: Jurnal Pengabdian Kepada Masyarakat Journal of Information Systems and Informatics Majalah Ilmiah Warta Dharmawangsa Management Studies and Entrepreneurship Journal (MSEJ) Poltekita: Jurnal Pengabdian Masyarakat Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Indonesian Journal of Biological Pharmacy Jurnal Paradigma Akuntansi CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Banua: Jurnal Kesehatan Lingkungan Jurnal Akuntansi dan Keuangan Indonesia Jurnal Atma Inovasia PENA LAW: International Journal of Law Jurnal Indonesia Sosial Teknologi Journal Liaison Academia and Society International Journal of Health and Information System (IJHIS) Journal of Management, Economic, and Financial The International Journal of Medical Science and Health Research
Christine Christine
Bina Nusantara University
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Journal : Almana : Jurnal Manajemen dan Bisnis

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Factors Affecting the Financial Performance of MSMES: Financial Literacy, Financial Inclusion, Financial Self-Efficacy, Financial Technology, Credit Granting, and Intellectual Capital Christine, Christine; Zukhri, Nizwan; Saputra, Darman
Almana : Jurnal Manajemen dan Bisnis Vol 8 No 2 (2024): August
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v8i2.2602

Abstract

MSMEs are one of the economic icons that have the biggest impact on Indonesia's economic growth, especially when a crisis occurs. MSMEs are able to get through monetary crises such as in 1998 and during the Covid-19 pandemic. MSMEs are independent and have great potential to improve community welfare. This research aims to examine the influence of the variable’s financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital on the financial performance of MSMEs in the Bangka Belitung Islands Province. This research is quantitative research with an associative method using a quantitative approach from primary data through distributing questionnaires. The sampling method was nonprobability sampling with a purposive sampling technique so that 102 MSME actors were obtained. The data analysis technique uses SPSS version 26 software. The research results prove that partial financial inclusion (X2), financial technology (X4), credit granting (X5), and intellectual capital (X6) have a positive and significant effect on the financial performance of MSMEs, while financial literacy (X1) and financial self-efficacy (X3) do not have a positive and significant effect on the financial performance of MSMEs. Simultaneously, the variables financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital have a positive and significant effect on the financial performance of MSMEs in the Bangka Belitung Islands. The R Square value in this research is 0.885, so it is concluded that 88.5% of the variation in the dependent variable can be explained by the independent variable and the remaining 11.5% is influenced by other variables not examined in this research. It is hoped that the research results can become reference material and motivation for MSMEs in improving the financial performance of their businesses.
Co-Authors Agustin Dwi Syalfina Al Faruq, Muhammad Ariq Albar, Husnul Fuad Andri Irfan Rifai Ardhiawan, Nicolas Raditya Azmi Harahap, Taufiq Beby Karina Fawzeea Sembiring Beraya, Fransiska Millenia A L B Christanto, Henoch Juli Darius Andana Haris Dessy Agustiany Dian Tauriana, Dian Djaja, Benny Drastyana, Serlly Frida Ellen Fanny Fanny Fitri, Geyzka Syalwa Gema Florencia, Carla Fransiska Fransiska Govanny, Jocelyn Listo Gunardi Gunardi Hamdi, Tasrif Hamid, Mey Lina Hananta, Juninho Yudistira Handayani, Susanty Hanum Sasmita Hiuredhy, Davin Kurnia Hutasoit, Apren Halomoan I Gede Agus Widyadana I Nyoman Sutapa Incharisma, Maria Jamhari Jamhari Jeanny Pragantha Jimmy, So Yohanes Kartika, Ria Chandra Kristiawanto, Kristiawanto Kusumatriawan, Ardhiel Junico A Linda Santioso Luh Putu Ratna Sundari Masyfufah, Lilis Muchtaridi Muchtaridi Muda Situmorang, Iskandar Mustafa Nizwan Zukhri Novianti, Siti Nudji, Bambang Nur Aini Nuryanah, Siti Pangestuti, Patricia Aurelia U Patricia, Rachael Pebriani, Fathia Politon, Fellysca Politon, Fellysca V. M. Prihartanti, Niken Grah Prio Utomo Putri, Ahir Diana Respito, Andi Saputra, Darman Simbolon, Angelita Rogabe T Situmorang, Syafrizal Helmi Sri Hartini Stephen Aprius Sutresno, Stephen Aprius Sunuh, Herlina Sutha, Diah Wijayanti Syafrizal Helmi Situmorang Tabita, Skolastika Gadis Teepapal, Tanawat Tiadoraria br. Ginting, Litka Ulya Firza, Syafira Wahyuni, Titin Widiastiani, Nindry Sulistya Yovie Ernanda yusbardini, yusbardini Zainumi, Cut Meliza Zulkifli, Nathratul Ayeshah Binti