IMPACT FINANCIAL ASPECT DAN CREDIT FACILITIES TERHADAP KINERJA UMKM KOTA MADIUN PADA MASA ENDEMI DENGAN STRATEGI BISNIS SEBAGAI VARIABEL MODERASI

Abstract

This study aims to empirically examine the impact of financial aspects and credit facilities on the performance of MSMEs in Madiun City during the endemic period with business strategy as a moderating variable. This type of research is descriptive quantitative. The population in this study is MSMEs in Madiun City. The number of samples in this study were 107 respondents, using purposive sampling method. Data collection techniques using a questionnaire. The data analysis technique uses validity test, reliability test, multiple linear regression analysis, MRA test, t test, and coefficient of determination with the help of SPSS version 25 program. The results show that financial aspects and credit facilities have a positive and significant impact on the performance of MSMEs in Madiun City. Meanwhile, the business strategy cannot moderate the influence of financial aspects and credit facilities on the performance of MSMEs in Madiun City.

Keywords: Financial Aspect, Credit Facilities, Business Strategy, MSME Performance, Endemic.