JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

The Impact of Government Capital Assistance, Financial Literacy, and Business Innovation on the Profitability of Small and Medium Industries (IKM) in Palu City

Aulia Rizky Amalia (Unknown)
Sastrawan Farid, Erwan (Unknown)
Munawarah (Unknown)
Putri Utami, Ayu (Unknown)

Article Info

Publish Date
26 May 2026

Abstract

This study examines the effects of government capital assistance, financial literacy, and business innovation on the profitability of small and medium industries (SMIs) in Palu City. Using a quantitative approach, data were collected from 37 SMI owners through structured questionnaires and analyzed using multiple linear regression. The findings show that government capital assistance and business innovation significantly improve profitability, while financial literacy has a positive but insignificant effect. Collectively, the three variables explain 73.3% of profitability variance. The results highlight the importance of integrating non-cash capital support with innovation-oriented programs to strengthen SMI profitability and sustainability.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...