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Pengaruh Financial Technology, Literasi Keuangan, Inklusi Keuangan, Aksesibilitas Kredit Terhadap Keberlangsungan UMKM Wiwiek Kusumaning Asmoro; Mohamad Arief Setiawan; Novie Astuti Setianingsih; Eti Putranti
Owner : Riset dan Jurnal Akuntansi Vol. 9 No. 1 (2025): Artikel Riset Periode Januari 2025
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v9i1.2547

Abstract

Rapid technological developments have made changes in various sectors one of them is the financial sector. Financial technology, Financial Inclusion, Financial Literacy and Credit Accessibility as One form of development in the financial sector. This study aims to determine the influence  of Financial Technology, Financial Literacy, Financial Inclusion and Credit Accessibility on the Sustainability of MSMEs in Kediri City. This research data is primary data collected through a questionnaire using a technique with a purposive sampling approach. The population of 517 MSME actors in the Culinary Sector with the calculation of the sample of the slovin formula of respondents from MSMEs in Kediri City was 84 samples. The data was obtained from a questionnaire distributed to MSME owners in the Culinary Sector registered at the Kediri City Cooperative and SME Trade Office. This study uses multiple linear regression analysis with the application of SPSS 23. The results of the study show that financial technology. Financial literacy, financial inclusion and credit accessibility have a positive and significant effect on the sustainability of MSMEs. Therefore, it can be concluded that the importance  of financial technology for MSMEs in developing their business as well as financial literacy, financial inclusion and credit accessibility will have an impact on MSME capital and business sustainability.
UPAYA PENINGKATAN LEGALITAS USAHA INDUSTRI RUMAH TANGGA KRUPUK PASIR KABUPATEN KEDIRI Wiwiek Kusumaning Asmoro; Mujahid Wahyu; Mohamad Arief Setiawan; Novie Astuti Setianingsih; Hanifah Puspita Sari; Fitria Nur Hamidah
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol. 6 No. 2 (2026): Jurnal Pengabdian kepada Masyarakat
Publisher : LPPM Universitas Kahuripan Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51158/7eekx893

Abstract

Urgensi dan identifikasi permasalahan yang dihadapi mitra pada Mitra Usaha Produksi Krupuk Pasir di Dusun Jeruk Desa Tugurejo Kecamatan Ngasem Kabupaten Kediri, adalah belum terdaftarnya legalitas usaha yaitu Nomor Induk Berusaha (NIB). Mitra masih menggunakan legalitas SIUP yang saat ini sudah tidak digunakan.Tujuan Program Pengabdian Masyarakat ini adalah dalam upaya mengatasi masalah yang dihadapi mitra. Berdasarkan permasalahan prioritas yang harus ditangani maka beberapa solusi yang ditawarkan kepada mitra adalah memberikan pelatihan legalitas yang terdaftar di aplikasi Online Single Submission (OSS) dalam pembuatan Nomor Induk Berusaha (NIB). Metode pelaksanaan dalam program pengabdian ini adalah pada tahap pertama menganalisis kondisi mitra, tahap kedua merupakan tahap persiapan dengan menyiapkan persyaratan legalitas usaha, tahap ketiga merupakan tahap pelatihan dan pendampingan legalitas usaha, kemudian di tahap terakhir melakukan evaluasi pada kegiatan yang telak terlaksana. Mitra yang berkontribusi dalam program pengabdian ini sebanyak 10 orang yang terdiri dari pemilik dan karyawan dari mitra usaha. Hasil pada kegiatan pengabdian masyarakat ini adalah mitra mendapat sertifikat NIB sebagai bukti agar para pelaku usaha memiliki kepastian hukum dan memungkinkan memperoleh dukungan investor serta pinjaman dana kepada bank untuk pengembangan bisnis. NIB ini akan di letak kan bersamaan dengan merk dagang mitra. Indikator keberhasilan pada program pengabdian ini adalah  pelaku  usaha  dapat menerapkan manajemen usaha yang baik dengan adanya peningkatan pemberdayaan dan daya saing mitra yang ditunjukkan pada peningkatan legalitas usaha pada mitra usaha produksi krupuk pasir di Kabupaten Kediri   Abstract  The pressing issue identified by the partners in the Sand Cracker Production Partnership located in Dusun Jeruk, Tugurejo Village, Ngasem District, Kediri Regency, is the lack of registered business legitimacy, specifically the absence of a Business Identification Number (NIB). The partners are still using the outdated SIUP registration system. The purpose of this Community Service Program is to address these challenges. Based on the priority issues identified, several solutions have been proposed: providing training on obtaining a registered business number through the Online Single Submission (OSS) platform. The program's implementation involves three phases: first, analyzing the partners' current situation; second, preparing the necessary business legitimacy requirements; third, delivering business legitimacy training and guidance; and finally, evaluating the completed activities. A total of 10 partners contributed to this community service program, comprising owners and employees of the partnership enterprises. The outcome of this initiative was the issuance of NIB certificates to the partners as proof of their legal status, enabling them to secure investor support and bank loans for business expansion. These NIB certificates will be displayed alongside the partners' trademarks. The success indicator of the program is the implementation of effective business management practices, demonstrated through enhanced empowerment and competitiveness among the partners, as evidenced by improved legal compliance in the sand cracker production enterprises within Kediri Regency.