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The Influence of Financial Literacy and Financial Inclusion on The Performance of Msmes in Kediri City Putra, Dika Dimas; Rahmadi, Afif Nur; Lidiawan, Angga Rizka
Economics and Business Journal (ECBIS) Vol. 4 No. 1 (2025): November
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i1.251

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economy, yet many face challenges such as limited capital, inadequate financial literacy, and restricted access to financial services, which hinder their growth and competitiveness. This study aims to analyze the influence of financial literacy and financial inclusion on MSME performance in Kediri City, focusing on entrepreneurs who received government capital assistance in 2024. Using a quantitative approach, data were collected from 100 MSME owners through purposive sampling, with questionnaires as the primary instrument. Statistical analyses, including multiple linear regression, t-tests, F-tests, and classical assumption tests, were conducted using SPSS 24. The results reveal that both financial literacy and financial inclusion have positive and significant effects on MSME performance, with the two variables jointly explaining 71% of performance variation. These findings indicate that improving financial knowledge and expanding access to financial services can substantially enhance MSME productivity, competitiveness, and sustainability. The study highlights the importance of targeted financial education and inclusive financial policies to strengthen the resilience and long-term growth of MSMEs in regional economies
The Influence of Employee Work Effectiveness on the Quality of Public Services at the Tamanan District Office, Kediri City Putra, Dika Dimas; Hariyati, Alma; Hadi, Marsella Renita
Proceeding Kilisuci International Conference on Economic & Business Vol. 2 (2024): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

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Abstract

Research aim : The purpose of this research is to analyze the effectiveness of the performance of the government officers of Tamanan District. This research is being conducted in Tamanan District, Kediri City. Design/Methode/Approach : The population of Tamanan District is 5.157 people = 1432 household certificates, whilst the 105 respondents of the research sample is determined through Quota Proportional Random Sampling. Data gathering is being done using questionnaires, whereas data analysis is being done using T-test. Research Finding : Based on the result of the research, the effectiveness of the performance of the government officers of Tamanan District (variable X) has a significant correlation with the quality of public service. Research limitation : There are not too many respondents because it still uses simple research methods, so it can still be researched again using other methods