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All Journal Jurnal Ekonomi & Keuangan Islam Journal of Digital Marketing and Halal Industry Mabny : Journal of Sharia Management and Business Disclosure: Journal of Accounting and Finance Journal of Accounting and Digital Finance Relevance: Journal of Management and Business Begawan Abioso Jurnal Manajemen Bisnis Syariah
Rahmayanti, Dini
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Relevance: Journal of Management and Business

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The Role of Islamic Banking and Government Programs in Improving UMKM Performance Rahmayanti, Dini
Relevance: Journal of Management and Business Vol. 8 No. 1 (2025): June
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/relevance.v8i1.12198

Abstract

MSMEs contribute a lot to a region's economy, from absorbing labor and leveling the economy to providing foreign exchange for international-scale MSMEs. Therefore, the government pays close attention to MSMEs under the Ministry of Cooperatives and MSMEs. This study aims to analyze the role of Islamic banking and government programs in improving MSME performance by involving 141 respondents who entered Pintar UMKM Salatiga. Using a quantitative approach, data were collected through interviews and questionnaire results filled out by MSME actors in Salatiga City who had received financing from Islamic banking. Data analysis in this study used moderated regression analysis to determine whether the moderating variable can strengthen or weaken the relationship between the independent variable and the dependent variable. The results of this study show that Islamic banking and entrepreneurial competence significantly influence the performance of MSMEs in Salatiga. However, government programs do not significantly affect the performance of MSMEs in Salatiga. Likewise, the entrepreneurial competence variable cannot strengthen the relationship between Islamic banking and government programs on the performance of MSMEs in Salatiga.
Co-Authors Abdullah, Norhayati Binti Arifah, Ziinatul Fadzaki, Muhammad Kharil Ilmiah, Dunyati Jamilah, Putri Kamal, Al- Haq Lestari, Anisa Nuraini, Ninda Rohmah, Umdah Aulia Sani, Ageng Asmara Suryati Suryati Yana Suryana