Pengaruh Literasi Keuangan, Akses Permodalan, dan Minat Menggunakan E-Commerce Terhadap Kinerja UMKM (Studi Kasus pada Pelaku UMKM di Kota Kediri)

Rahma Nur Hamida, Nur Diana, Junaidi Junaidi

Abstract


This study aims to determine the effect of financial literacy, access to capital and interest in using e-commerce on the performance of MSMEs in Kediri City. This research is a quantitative research with a correlational research approach. The population in this study were SMEs registered at the Kediri City Cooperatives and SMEs Office and the sample in this study was 75 respondents with a sampling technique using purposive sampling. The data used in this study is primary data in the form of questionnaires distributed to respondents via Google Form and measured using a Likert scale. The analysis used in this study is multiple linear regression analysis. The results of this study indicate that (1) financial literacy has a positive and significant effect on MSME performance, (2) access to capital has a positive and significant effect on MSME performance and (3) interest in using e-commerce has a positive and significant effect on MSME performance.

Keywords: UMKM performance, financial literacy, access to capital, e-commerce

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References


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