Pengaruh Inovasi Produk, Literasi Keuangan, dan Akses Pembiayaan terhadap Pertumbuhan UMKM di Indonesia

Penulis

  • Antoni Antoni Universitas Wijaya Putra
  • Karlin Karlin Universitas Wijaya putra

DOI:

https://doi.org/10.58812/jakws.v3i03.1599

Kata Kunci:

MSME growth, Product innovation, Financial literacy, Access to financing

Abstrak

This study investigates the impact of product innovation, financial literacy, and access to financing on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. A quantitative approach was employed, involving 180 MSME owners and managers. Data were collected through a structured questionnaire using a 5-point Likert scale, and the analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results show that all three factors—product innovation, financial literacy, and access to financing—positively and significantly influence MSME growth, with product innovation having the strongest effect. These findings highlight the importance of fostering innovation, enhancing financial literacy, and improving access to financing as key strategies for promoting MSME growth. The study offers valuable insights for policymakers and business practitioners to support MSMEs' sustainability and competitiveness in emerging markets like Indonesia.

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Unduhan

Diterbitkan

2024-09-30

Cara Mengutip

Antoni, A., & Karlin, K. (2024). Pengaruh Inovasi Produk, Literasi Keuangan, dan Akses Pembiayaan terhadap Pertumbuhan UMKM di Indonesia. Jurnal Akuntansi Dan Keuangan West Science, 3(03), 227–238. https://doi.org/10.58812/jakws.v3i03.1599

Terbitan

Vol 3 No 03 (2024): Jurnal Akuntansi dan Keuangan West Science

Bagian

Artikel

Lisensi

Hak Cipta (c) 2024 Antoni Antoni, Karlin Karlin

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