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All Journal Ekonomi Bisnis Jurnal EMT KITA Jurnal Review Pendidikan dan Pengajaran (JRPP) Bussman Journal : Indonesian Journal of Business and Management Journal of Artificial Intelligence and Digital Business LANCAH Jurnal Inovasi dan Tren
Meti Nurhayati
UNIVERSITAS GUNADARMA
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Jurnal EMT KITA

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Dampak Kredit UMKM dan Tingkat Suku Bunga terhadap Pertumbuhan UMKM di Indonesia Sasmiharti, Juni; Nurhayati, Meti
Jurnal EMT KITA Vol 10 No 2 (2026): APRIL 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i2.5946

Abstract

This study aims to examine the impact of MSME Credit and Interest Rates (BI Rate) on MSME Growth in Indonesia. Using panel data from five provinces during the 2019–2023 period, the study applies the Panel Least Squares method with White cross-section robust standard errors to obtain reliable estimates. The findings reveal that MSME Credit has a positive and significant effect on MSME Growth, confirming that access to productive financing plays a crucial role in enhancing the capacity and performance of micro, small, and medium enterprises. The BI Rate also shows a positive and significant effect, although its contribution is smaller compared to MSME Credit. The model explains 74.69% of the variation in MSME Growth, indicating that both variables serve as key determinants of MSME performance in Indonesia. These results imply the importance of expanding access to productive credit and maintaining monetary stability to support sustainable MSME development.
Co-Authors Budiyati, Endah Erni Rihyanti Nur Putri Erdianti Rizka Amalia Sari Noorlima Yanti Sasmiharti, Juni