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Prameswari, Gita Anggun
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Economics, Econometrics & Finance

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Hubungan Antara Akses Keuangan dan Pertumbuhan UMKM Dengan Literasi Keuangan Sebagai Variabel Moderator (Studi Kasus Pada UMKM Kuliner di Kota Malang) Prameswari, Gita Anggun; Diana, Nur; Rudiningtyas, Dyah Arini
e_Jurnal Ilmiah Riset Akuntansi Vol 13, No 01 (2024): e_Jurnal Ilmiah Riset Akuntansi
Publisher : Universitas Islam Malang

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Abstract

The purpose of this study is to examine, using financial literacy as a moderator variable, the relationship between financial access and the growth of MSME (Micro, Small and Medium Enterprises). This research is quantitative research with a correlational approach using primary data obtained from questionnaires and measured using SPSS. The population in this research is culinary MSMEs in Malang City. Data was collected from 100 respondents through a questionnaire given to MSMEs in Malang City, using a purposive sampling technique. According to the analysis's findings, financial literacy significantly boosts MSMEs' growth while financial access significantly inhibits it. Financial literacy also acts as a buffer against the impact of financial access on MSMEs' growth.Keywords: Financial access, MSME growth, financial literacy
Co-Authors Dyah Arini Rudiningtyas Nur Diana