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All Journal Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen)
Susiana Mokhtar
STIEM Bongaya Makassar
Economics, Econometrics & Finance

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OPTIMIZATION OF CREDIT FACILITIES FOR EMPOWERING SMALL AND MICRO ENTERPRISES MODERATED BY FINANCIAL LITERACY Zulfikry Sukarno; Orfyanny Syahreffy Themba; Susiana Mokhtar
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 12, No 2 (2025): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v12i2.7132

Abstract

PURPOSE - The purpose of the study is to analyze and predict the causal relationship of the impact of providing credit facilities to MSEs in Makassar City, in order to maximize their business income. Descriptive quantitative research model with sample determination through non-purposive sampling.METHODOLOGY - . The research sample was 100 Makassar MSE actors who were used as respondents. Data collection from respondent questionnaires. Data analysis uses variant-based SEM to test models and theories. Testing of structural models and measurement models with the help of smartPLS 3.0.FINDING - The test results show that the provision of credit facilities optimally has a significant and positive impact on increasing the business income of MSE actors in Makassar City. Financial literacy owned by MSE actors is able to increase their business income and the role of moderation. Financial literacy does not have an influence on the relationship between credit optimization and MSE empowerment
Co-Authors Orfyanny Syahreffy Themba Zulfikry Sukarno