PENGUATAN EKONOMI MELALUI UMKM: ANALISIS FAKTOR DETERMINAN KENDALA UMKM

Abstrak

Indonesia is experiencing a recession as a result of the COVID-19 pandemic. Almost all sectors experienced shocks, including MSMEs. However, MSMEs are a sector that can withstand the pandemic and even contributes more than 80% of national GDP. The subject of this study is MSME actors in Semarang Regency. Sample determination using nonprobability sampling technique with a total of 200 respondents from MSME actors. This research is quantitative research using the Eviews tool. The dependent variable in this study is the constraint of MSMEs. While the independent variable is financial access and financial technology. To determine the obstacles experienced by MSMEs in carrying out their business, control variables are used, including skills, business networks, business climate, facilities and infrastructure, business licenses, bank interest, and marketing. This study used binary logistic regression. The results show that access to finance and financial technology are factors that become obstacles for MSMEs in developing their businesses.

Kata kunci

• Financial Technology
• MSMEs
• financial access