The Influence of Financial Inclusion on MSMEs’ Performance Through Financial Intermediation and Access to Capital

• 발행기관: 한국유통과학회
• 저자명: Kusuma RATNAWATI
• 간행물 정보: 『The Journal of Asian Finance, Economics and Business(JAFEB)』Vol. 7 No.11, 205~218쪽, 전체 14쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2020.11.30

영문 초록

This study aims to analyze the influence of financial inclusion on micro-, small-, and medium-sized enterprises’ (MSMEs) performance and examine the mediation role of financial intermediation and access to capital. The object of this study is MSMEs in Malang, Indonesia. The sample consists of 100 MSME actors in Malang City, which is determined using Roscoes theory. The data is collected using Simple Random Sampling method, by distributing questionnaire measured with Likert scales. The hypotheses proposed in this study are examined using Partial Least Square (PLS) model. The results of this study show that financial inclusion influences MSMEs’ performance both directly and indirectly through mediation from financial intermediation and access to capital. The direct influence means that the efforts to increase access to financial services, especially access to credit financing for MSMEs, will be able to increase market share, number of workers, sales, as well as profit of the MSMEs. Increased financial inclusion has a major impact on improving MSMEs’ performance through financial intermediation compared to access to capital. This means that the increase of financial access for MSMEs followed by an increase in financial intermediation in the form of a financial service approach to MSMEs will improve MSMEs’ performance.

목차

1. Introduction

2. Literature Review

3. Research Method

4. Research Results

5. Discussion

6. Conclusion

References

키워드

Financial Inclusion, MSMEs’ Performance, Financial Intermediation, Access to Capital