PENGARUH INKLUSI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN UKM PADA PUJASERA ALUN-ALUN KOTA PROBOLINGGO

Ahmad Iskandar Rahmansyah, Umi Rahma Dhany, Titik Musriati, Nadia Putri Widianita

Abstract


Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan terhadap kinerja dan keberlangsungan UKM di Pujasera Alun-Alun Kota Probolinggo. Sebanyak 96 UKM dipilih sebagai sampel penelitian. Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui kuesioner yang didistribusikan kepada pemilik dan pengelola usaha. Data dianalisis menggunakan metode statistik untuk menguji hipotesis yang diajukan. Hasil penelitian menunjukkan bahwa inklusi keuangan berpengaruh positif terhadap kinerja UKM melalui peningkatan akses terhadap layanan keuangan dan platform digital. Inklusi keuangan juga berdampak positif pada keberlangsungan UKM dengan mendukung stabilitas operasional usaha dan perluasan pasar. Selain itu, kinerja UKM terbukti memediasi hubungan antara inklusi keuangan dan keberlangsungan usaha, menunjukkan peran pentingnya dalam memperkuat efek positif dari inklusi keuangan. Penelitian ini menyimpulkan bahwa inklusi keuangan dan kinerja UKM memiliki peran penting dalam mendukung keberlanjutan UKM di Pujasera Alun-Alun Kota Probolinggo. Penelitian lanjutan disarankan untuk melibatkan sampel yang lebih beragam dan mengeksplorasi faktor eksternal tambahan.

Keywords


Inklusi Keuangan, Kinerja UKM, Keberlangsungan UKM

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References


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DOI: https://doi.org/10.33373/mja.v18i2.7231

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