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p-Index From 2021 - 2026
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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Mauwa Latupono
Unknown Affiliation
Economics, Econometrics & Finance

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Analysis Of Implementation Of Innovation In Cooperation Between Government, Banks And Business In Developing Msmes In Central Maluku Regency Mauwa Latupono; Maryam Sangadji; Jopie Tamtelahitu
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9379

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the regional economy, yet they still face limitations in access to financing and business capacity. The Central Maluku Regency Government has developed policy innovations through Government, Bank, and Business Cooperation in the development of MSMEs. This study aims to analyze the implementation of these collaborative innovations and their impact on MSME development in Central Maluku Regency. The study employed a mixed methods approach, with qualitative analysis to examine the policy implementation process and quantitative analysis through regression to examine the program's impact on MSME performance. Data were obtained through interviews, questionnaires, observations, and documentation studies. The results indicate that the implementation of collaborative innovations has progressed through the stages of socialization, data collection, financing distribution, mentoring, and monitoring and evaluation. The regression analysis indicates that the implementation of collaborative innovations between the government, banks, and businesses has a positive and significant impact on MSME development.
Co-Authors Jopie Tamtelahitu Maryam Sangadji