PENGARUH AKSES KEUANGAN TERHADAP PERTUMBUHAN UKM DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MODERASI

Made Ayu Desy Geriadi (Fakultas Ekonomi dan Bisnis Universitas Ngurah Rai, Denpasar, Bali)
Luh Erynayati (Fakultas Ekonomi dan Bisnis Universitas Ngurah Rai, Denpasar, Bali)
Ni Putu Yuliana Ria Sawitri (Fakultas Ekonomi dan Bisnis Universitas Ngurah Rai, Denpasar, Bali)

E-Jurnal Ekonomi dan Bisnis Universitas Udayana
VOLUME.10.NO.03.TAHUN. 2021

This examination means to decide how the role financial literacy in moderating the relationship of access to finance and growth. The area for this exploration held in Denpasar. The quantity of tests taken is 100 small medium enterprise (SMEs), with a likelihood inspecting methods are basic irregular examining. Information examination in this investigation utilized the Partial Least Square (PLS) approach. PLS is a condition model for Structural Equation Modeling (SEM) in view of parts or variations. This examination is to get results which expressed that the access to finance has a positive and significant effect on growth of SMEs. Financial literacy has a positive and significant effect on growth of SMEs. Financial literacy moderates the relationship between access to finance and growth of SMEs