Dampak Pembiayaan Terhadap Kinerja Usaha Mikro
(Studi Kasus Tiga Provinsi di Indonesia)
Abstract
This study aims to analyze the relationship between financing and the performance of microenterprises in three provinces in Indonesia: the Special Region of Yogyakarta, the Special Region of Aceh, and the Special Capital Region of Jakarta. The panel data combines cross-sectional data from these three provinces with time-series data for the period 2019Q1-2023Q4. The analysis method used is panel regression with NFD2 least squares. The results indicate a positive relationship between financing and microenterprise performance; however, the relationship is weak. These findings suggest that microfinance alone is not sufficient to improve the performance of microenterprises and must be supported by other factors.
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Adek Iskandar Siregar, Zuhrinal M Nawawi, & Nur Fadhilah Ahmad Hsb. (2024). Analisis Sistem Pengendalian Internal dalam Peningkatan Kualitas Laporan Keuangan. Jurnal Riset Ekonomi Dan Akuntansi, 2(2), 173–185. https://doi.org/10.54066/jrea-itb.v2i2.1848
Ahmad, S., Lensink, R., & Mueller, A. (2020). The double bottom line of microfinance: A global comparison between conventional and Islamic microfinance. World Development, 136, 105130. https://doi.org/10.1016/j.worlddev.2020.105130
Basuki, M. Y., & Rezki, J. F. (2023). Pengaruh Pembiayaan Ultra Mikro terhadap Kinerja Usaha dan Kesejahteraan Debitur. Indonesian Treasury Review Jurnal Perbendaharaan Keuangan Negara Dan Kebijakan Publik, 8(4), 353–369. https://doi.org/10.33105/itrev.v8i4.709
Choirunisa, R., & Mulyanti, D. (2023). Literature Review: Peran E-Commerce Dalam Meningkatkan Pendapatan Umkm Di Era New Normal. Jurnal EBI, 5(1), 9–15. https://doi.org/10.52061/ebi.v5i1.102
Dahal, M., & Fiala, N. (2020). What do we know about the impact of microfinance? The problems of statistical power and precision. World Development, 128, 104–773.
Dix, G. (2019). Microeconomic forecasting: Constructing commensurable futures of educational reforms. Social Studies of Science, 49(2), 180–207. https://doi.org/10.1177/0306312719837364
Dorfleitner, G., Nguyen, Q. A., & Rohe, M. (2019). Microfinance institutions and the provision of mobile financial services: First empirical evidence. Finance Research Letters, 31.
Hanaysha, J. R., Al-Shaikh, M. E., & Alzoubi, M. H. (2021). Impact of Innovation Capabilities on Business Sustainability in Small and Medium Enterprises. Sage Journals, 11(1), 67–78.
Hassan, M. K., Alshater, M. M., Hasan, R., & Bhuiyan, A. B. (2021). Islamic microfinance: A bibliometric review. Global Finance Journal, 49, 100–651.
Kumarasamy, D., & Sharma, A. K. (2024). Financial accessibility and MSME’s labour productivity: evidence from developing countries. Indian Growth and Development Review. https://doi.org/10.1108/igdr-08-2023-0115
Luh, N., Permoni, E. A., Oki, N. K., Dewi, A., Manajemen, S., Ilmu, T., Satya, E., & Dharma, D. (2023). Improving financial performance through financial management, financial literacy and financial inclusion. ARTHA SATYA DHARMA. https://doi.org/10.55822/asd.v16i1.306
Mohammad, T., Mohd Nor, R., & Hasan Wan Norhaniza, W. (2021). The Effect of Microfinance Services on Women Entrepreneurship: A Case Study in Jordan. Journal of Asian Finance, 8(5), 807–0815. https://doi.org/10.13106/jafeb.2021.vol8.no5.0807
Nisa, C., rita, V., & Chalid, D. A. (2022). Impact of competition on microfinance institutions: bibliometric analysis and systematic literature review. Heliyon, 8(10). https://doi.org/10.1016/j.heliyon.2022.e10749
Santoso, D. B., Gan, C., Revindo, M. D., & Massie, N. W. G. (2020). The impact of microfinance on Indonesian rural households’ welfare. Agricultural Finance Review, 80(4), 491–506. https://doi.org/10.1108/AFR-11-2018-0098
Semegn, A. A., & Bishnoi, N. K. (2021). Analysis of Effect of Microfinance on the Performance of MSEs in Amhara National Regional State, Ethiopia. The Journal of Entrepreneurship, 30(1), 78–153.
Sudirman, Sadapotto, A., & Asrifan, A. (2023). Pengaruh Jumlah Tenaga Kerja , Modal Kerja Terhadap Kinerja. UIN Alauddin Makassar, January, 0–14. https://doi.org/10.13140/RG.2.2.22549.60648
Sun, S. L., & Liang, H. (2021). Globalization and affordability of microfinance. Journal of Business Venturing, 36(1), 106–665.
Taslim, L., Rifin, A., & Jahroh, S. (2020). Pengaruh Pembiayaan Terhadap Kinerja Usaha Mikro Dan Kecil Olahan Ubi Kayu Di Indonesia. Jurnal Agribisnis Indonesia, 8(1), 33–42. https://doi.org/10.29244/jai.2020.8.1.33-42
Thadeus, O. O., Simiyu, G., & Ombaba, M. K. B. (2023). Accounting Practices, Financial Literacy And Financial Performance Of Micro, Small And Medium Enterprises. https://doi.org/10.47153/jbmr49.7942023
Zheng, C., & Zhang, J. (2021). The impact of COVID-19 on the efficiency of microfinance institutions. International Review of Economics and Finance, 71(June 2020), 407–423. https://doi.org/10.1016/j.iref.2020.09.016
Published
2024-11-16
How to Cite
Zuhra, S. (2024). Dampak Pembiayaan Terhadap Kinerja Usaha Mikro. VALUE, 5(2), 37-49. https://doi.org/10.36490/value.v5i2.1405
Section
Articles
