PENGARUH FINANCIAL ACCESS TERHADAP SMALL AND MEDIUM ENTERPRISE PERFORMANCE YANG DIMEDIASI OLEH ENTREPRENEURIAL-ORIENTED FINANCE

Bryan Lekfebrianto, Radityo Fajar Arianto

Abstract


Usaha Mikro Kecil dan Menengah (UMKM) seringkali mengalami kesulitan dalam mendapatkan dana eksternal berupa pinjaman dari bank atau lembaga keuangan lainnya. Penelitian ini bertujuan untuk mengetahui pengaruh dari financial access terhadap small and medium enterprise performance, pengaruh dari financial access terhadap entrepreneurial-oriented finance, pengaruh dari entrepreneurial- oriented finance terhadap small and medium enterprise performance, dan pengaruh dari financial access terhadap small and medium enterprise performance yang dimediasi oleh entrepreneurial-oriented finance. Jenis penelitian ini termasuk kedalam jenis penelitian kuantitatif dengan desain penelitian kausal. Pengambilan sampel menggunakan teknik non-probability sampling dengan metode convenience sampling dengan 190 responden. Teknik pengumpulan data menggunakan kuesioner digital yang kemudian diolah dan dianalisis dengan teknik PLS-SEM menggunakan aplikasi SmartPLS. Hasil penelitian menemukan pengaruh yang positif dari financial access terhadap small and medium enterprise performance, dari financial access terhadap entrepreneurial-oriented finance, dari entrepreneurial-oriented finance terhadap small and medium enterprise performance, dan dari financial access terhadap small and medium enterprise performance yang dimediasi oleh entrepreneurial-oriented finance.


Keywords


financial access; entrepreneurial-oriented finance; small and medium enterprise performance

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