Pengaruh Kredit Modal Usaha, Finansial Teknologi, Modal Manusia Terhadap Kinerja Umkm Pada Masa Transisi Pandemi Covid-19

Peni, Fandi Simeon

Akbis: Media Riset Akuntansi dan Bisnis
JURNAL AKBIS VOLUME 7 NOMOR 2 TAHUN 2023

The purpose of this study was to test whether Business Capital Loans, Financial Technology, Human Capital have an effect on MSME performance. The form of the population in this study is MSME actors in Bantul Regency. The samples taken were the MSME entrepreneurs themselves and were taken using a purposive sampling method. Respondent data was collected through techniques whatsapp survey with group delivery whatsapp MSME actors are assisted by a service team from the Office of Cooperatives, Small and Medium Enterprises, Industry and Trade. The number of respondents obtained was 108 and the data test used the classic assumption test method which consisted of the normality test, multicollinearity test and heteroscedasticity test. processed using IBM SPSSStatistics version 29.0.0.0 (241). The results of the research findings show that both business capital credit and human capital have a positive effect on the performance and sustainability of MSMEs. While the financial technology variable shows a negative influence on the performance of MSMEs. This confirms that maximizing the use of financial technology products alone is not enough to reflect good MSME performance.