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All Journal Jurnal Ekuivalensi JURNAL ILMIAH SIMANTEK JURNAL ILMIAH KOHESI Community Development Journal: Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Jurnal Kolaboratif Sains International Journal of Applied Finance and Business Studies Jurnal Cakrawala Ilmiah Jurnal Peradaban Masyarakat (JPM) Nanggroe: Journal Of Scholarly Service JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Nanggroe: Journal of Scholarly Service International Journal of Contemporary Sciences (IJCS) Jurnal Pengabdian Masyarakat Mandira Cendikia (JPKM-MC) Journal of Business Integration Competitive Journal of Finance Integration and Business Independence
Mega Sanjaya
Institut Bisnis Informasi Teknologi Dan Bisnis
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A Performance Model for MSMEs Based on Access to Financing and Its Impact on Community Welfare in Deli Serdang Regency Tyus Windi Ayuni; Rafida Khairani; Debora Tambunan; Mega Sanjaya; Darwan Tanady
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.83

Abstract

This study aims to analyze the effect of access to financing on community welfare, with the performance of Micro, Small, and Medium Enterprises (MSMEs) serving as a mediating variable in Deli Serdang Regency. This study employs an explanatory research approach. The sample consists of 93 MSMEs in Deli Serdang Regency. A quantitative approach is applied using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). Data were collected through the distribution of questionnaires to MSME operators as research respondents. The results indicate that access to financing has a positive and significant effect on MSME performance. Furthermore, MSME performance also has a positive and significant effect on community welfare. In addition, access to financing also has a direct positive and significant effect on community welfare. The results of the mediation test indicate that MSME performance mediates the relationship between access to financing and community welfare. These findings suggest that improved access to financing, accompanied by enhanced MSME performance, can make a significant contribution to increasing community welfare. Therefore, the government and financial institutions need to play an active role in expanding access to financing and improving MSME capacity in order to enhance business performance and community welfare in a sustainable manner.
Co-Authors Abdul Aziz Adi Harianto Agus Susanto Ahmad Fadli Albert Albert Amin Hou Anita Anita Benny Lim Benny Lim Chaniago, Sabaruddin Cici Handayani Darwan Tanady Darwan Tanady Debora Tambunan Devia Febrina Dewi Rapiah Pakpahan Duffin Eddy Gunawan Edward Harnjo Erni Dewi Munte ESTER MANDROFA Harahap, Taufiq Ika Puspa Satriany irwadi Javerson Simamora Jung Sen Jungs Sen Kuandi Chandra Manda Dwipayahi Bhastary Manda Dwipayani Bhastary Martin Melda Brina Mhd Restu Razaq Razaq Muhammad Fathoni, Muhammad Nainggolan, Susan G.V. Nasib Novirsari, Emma Pakpahan, Dewi Rapiah Pohan, Yuli Arnida Rafida Khairani Ratih Amelia Ratih Amelia Robin Rusdiana Br Simamora Siahaan, Maya Theng, Bestadrian Prawiro Tyus Windi Ayuni Wijaya, Elyzabeth Zakia Fadila