SKRIPSI AKS
INKLUSI KEUANGAN TERHADAP KINERJA UKM MELALUI INTERMEDIASI KEUANGAN DAN AKSES PERMODALAN (Studi Pada Pelaku UKM Kabupaten Sragen)
ABSTRAC
A business can create superior and maximum business performance, of
course there must be resources or basic needs that must exist in a business venture.
Inclusive financial conditions are the most important part for business actors,
because inclusive finance and access to financing to financial institutions that are
easy, adequate and affordable will be able to support business actors in increasing
business growth and sustainable performance of SMEs. This study aims to
determine financial inclusion on the performance of SMEs through financial
intermediation and access to capital.
This type of research uses quantitative research. The population in this
study are SME actors registered with the Cooperatives and UKM Service Office of
Sragen Regency. The sample in this study was SME actors in the food industry
business sector totaling 55 respondents. The sampling technique in this study used
purposive sampling. The data used in this study is primary data obtained from
respondents by filling out a questionnaire measured by a Likert scale. The analysis
in this study uses Partial Least Square (PLS) analysis with SmartPLS 3.3.7
software.
The results of this study conclude that financial inclusion does not directly
affect the performance of SMEs, then indirectly financial intermediation and access
to capital are able to fully mediate the effect of financial inclusion on the
performance of SMEs.
Keyword: Financial Inclusion, MSMEs’Performance, Financial Intermediation,
Access to Capital
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