KINERJA USAHA UMK MELALUI DUKUNGAN KELUARGA, AKSES FINANSIAL DAN INOVASI PRODUK
Main Article Content
Abstract
Kinerja usaha merupakan ukuran keberhasilan dari suatu kegiatan usaha. UMK sebagai bagian dari UMKM dengan kontribusi yang cukupberperan terhadap perekonomian di Indonesia terhadap pendapatan dan penyerapan tenaga kerja. Penelitian ini bertujuan untuk menyelidiki pengaruh dari dukungan keluarga, akses finansial dan inovasi produk terhadap kinerja usaha UMK. Dalam penelitian ini digunakan pendekatan kuantitatif dengan metode cross section, dengan pengambilan sampel secara purposive sampling pada UMK perempuan sektor makanan dan minuman di Kabupaten Belitung. Pengumpulan data dilakukan melalui Google Form, dan diperoleh 86 kuesioner yang terisi lengkap dan memenuhi syarat. Partial Least Square-Structural Equation Modelling (PLS-SEM) digunakan sebagai alat analisis dalam penelitian ini, dan SmartPLS v.4.0 digunakan dalam pengolahan data. Pengujian validitas dan reliabilitas dari semua variabel diperoleh hasil dimana semua variabel valid dan reliabel. Dari hasil pengujian diperoleh hasil path coefficient variabel akses finansial dan inovasi produk berpengaruh positif dan signifikan, sementara dukungan keluarga berpengaruh positif namun tidak signifikan terhadap kinerja UMK perempuan sektor makanan dan minuman di Kabupaten Belitung. Dari hasil penelitian ini diharapkan dapat menjadi masukan bagi pemerintah setempat khususnya berkaitan dengan UMK untuk terus berupaya meningkatkan inovasi produk, mempermudah akses keuangan bagi pelaku usaha UMK, sehingga melalui inovasi produk, sebagai kunci dalam kegiatan kewirausahaan, akses finansial yang diperlukan, dalam pengembangan usaha, dapat meningkatkan kinerja usaha UMK serta pertumbuhannya.
Business performance is a measure of the success of a business activity. MSEs as part of MSMEs have a significant contribution to the Indonesian economy in terms of income and employment. This research aims to investigate the influence of family support, financial access and product innovation on MSE business performance. In this research, a quantitative approach was used using the cross-section method, with purposive sampling of female MSEs in the food and beverage sector in Belitung Regency. Data collection was carried out via Google Form, and 86 questionnaires were obtained that were completely filled out and met the requirements. Partial Least Square-Structural Equation Modeling (PLS-SEM) was used as an analysis tool in this research, and SmartPLS v.4.0 was used in data processing. Testing the validity and reliability of all variables obtained results where all variables were valid and reliable. From the test results, it was found that the path coefficient results for the variables financial access and product innovation had a positive and significant effect, while family support had a positive but not significant effect on the performance of female MSEs in the food and beverage sector in Belitung Regency. It is hoped that the results of this research can provide input for local governments, especially those related to MSEs, to continue to strive to increase product innovation, facilitate access to finance for MSE business actors, so that through product innovation, it is a key in entrepreneurial activities, access to the necessary finance, in business development, can improve MSE business performance and growth.
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
This work is licensed under a Jurnal Muara Ilmu Ekonomi dan Bisnis Creative Commons Attribution-ShareAlike 4.0 International License.References
Agyapong, A., Mensah, H. K., & Ayuuni, A. M. (2018). The moderating role of social network on the relationship between innovative capability and performance in the hotel industry. International Journal of Emerging Markets, 13(5), 801-823. https://doi.org/10.1108/IJoEM-11-2016-0293
Azam, Md. S. (2015). Diffusion of ICT and SME performance. E-Services Adoption: Processes by Firms in Developing Nations Advances in Business Marketing & Purchasing, 23A, 7-290. http://dx.doi.org/10.1108/S1069-096420150000023005
BPS (2020). Profil industri mikro dan kecil 2020. Diakses dari: https://www.bps.go.id/id/publication/2022/03/04/a6375ea4a72374e3bedd0b00/profil-industri-mikro-dan-kecil-2020.html
BPS (2022). Profil industri mikro dan kecil Provinsi Bangka Belitung 2020. Diakses dari: https://babel.beta.bps.go.id/id/publication/2022/12/29/7d480dd1dcc8b4265e67de9a/profil-industri-mikro-dan-kecil-provinsi-kepulauan-bangka-belitung-2020.html
Chowdhury, M., & Alam, Z. (2017). Factors affecting access to finance of small and medium enterprises (SMEs) of Bangladesh. USV Annals of Economics and Public Administration, 2(26), 55-68. https://touroscholar.touro.edu/gsb_pubs/12
Dyer, W. G., Dyer, W. J., & Gardner, R. G. (2013). Should my spouse be my partner? Preliminary evidence from the panel study of income dynamics. Family Business Review, 26(1), 68-80. https://doi.org/10.1177/0894486512449354
Garson, D. (2016). Partial Least Squares: regression and structural equation Models. Asheboro, North Country: Statistical Associates Publishers.tam.
Hair Jr, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European business review, 26(2), 106-121.
Hair, Jr. F, Hult, T. M, Ringle, C. M, Sarstedt, M., Danks, N. P & Ray, S. (2021). Ebook: Partial least squares structural equation modeling (PLS-SEM) Using R A Workbook. Switzerland: Springer.
Herman, H., Hady, H., & Arafah, W. (2018). The influence of market orientation and product innovation on the competitive advantage and its implication toward Small and Medium Enterprises (UKM) performance. International Journal of Science and Engineering Invention, 4(8), 8-21. https://doi.org/10.23958/ijsei/vol04-i08/02
Harini, S. Pranitasari, D. Said, M., Endri, E. (2023). Determinants of SME performance: Evidence from Indonesia. Problems and Perspectives in Management, 21(1), 471-481. https://doi.org/10.21511/ppm.21(1).2023.40
Hatak, I., Kautonen, T., Fink, M., & Kansikas, J. (2015). Innovativeness and family-firm performance: The moderating effect of family commitment. Technological forecasting and social change, 102, 120-131. https://doi.org/10.1016/j.techfore.2015.02.020
Islam, Md. S., & Hossain, Md., F. (2018). Constraints to Small and Medium-Sized Enterprises Development in Bangladesh: results from a cross-sectional study. The European Journal of Applied Economics 15(2) DOI: 10.5937/EJAE15-17015.
Issau, K., Acquah, I., S., K., Gnankob, R., I., and Hamidu, Z (2021). Innovation orientation and performance of performance of Small and Medium-Sized Enterprises (SMES) manufacturing sector. Innovation & Management Review. DOI 10.1108/INMR-07-2020-0092.
Jha, P., & Alam, M. M. (2022). Antecedents of women entrepreneurs’ performance: an empirical perspective. Management Decision, 60(1), 86-122. https://doi.org/10.1108/MD-07-2020-0849
Joomunbaccus, S. and Padachi, K. (2019). The Impediments to Small and Medium Size Enterprises’ Development in Mauritius. Journal of Small Business and Entrepreneurship Development. 7(2). Pp 86-98. DOI: 10.15640/jsbed.v7n2a8
Karabulut, A.T. (2015). Effects of innovation types on performance of manufacturing firms in Turkey. Social and Behavioral Sciences 195 (2015) 1355 – 1364
Kepala PLUT dinas koperasi UKM, perdagangan, dan tenaga kerja, diwawancarai oleh Ida Puspitowati, Agustus 2022, Secara Lisan, di Belitung, Indonesia.
Kijkasiwat, P., & Phuensane, P. (2020). Innovation and firm performance: The moderating and mediating roles of firm size and small and medium enterprise finance. Journal of Risk and Financial Management, 13(5), 97-111. http://dx.doi.org/10.3390/jrfm13050097
Kompas.com (2022, 11 Januari). UMKM di Indonesia, Sri Mulyani: Perempuan adalah pelaku yang sangat penting. Diakses dari: https://pemilu.kompas.com/read/2022/01/11/070000783/umkm-di-indonesia-sri-mulyani--perempuan-adalah-pelaku-yang-sangat-penting
Lestari, S. D., Leon, F. M., Widyastuti, S., Brabo, N. A., & Putra, A. H. P. K. (2020). Antecedents and consequences of innovation and business strategy on performance and competitive advantage of SMEs. The Journal of Asian Finance, Economics and Business, 7(6), 365-378. https://doi.org/10.13106/jafeb.2020.vol7.no6.365
Lu, J., & Zhang, G. (2016). The effect of customer orientation and entrepreneurial orientation on performance of SMEs: Comparison between Chinese and South Korean SMEs. Global Journal of Management and Business Research: Administration and Management, 16,1-19.
Mari, M., Poggesi, S., & Vita, D. L. (2016). Family embeddedness and business performance: Evidences from women-owned firms. Management Decision, 54(2), 476-500. https://doi.org/10.1108/MD-07-2014-0453
Muhamad, N. (2023). Jumlah usaha mikro, kecil dan menengah/ UMKM di Indonesia berdasarkan kelasnya (2021). databoks .13 Okt 2023. https://databoks.katadata.co.id/datapublish/2023/10/13/usaha-mikro-tetap-merajai-umkm-berapa-jumlahnya
Neneh, B. N., & Welsh, D. H. (2022). Family support and business performance of South African female technology entrepreneurs. International Journal of Entrepreneurial Behavior & Research, 28(6), 1631-1652. https://doi.org/10.1108/IJEBR-05-2021-0402
Prijadi, R., Wulandari, P., Desiana, P. M., Pinagara, F. A., & Novita, M. (2020). Financing needs of micro-enterprises along their evolution. International Journal of Ethics and Systems, 36(2), 263-284. https://doi.org/10.1108/IJOES-05-2018-0071
Ruggiero, P., & Cupertino, S. (2018). CSR strategic approach, financial resources and corporate social performance: The mediating effect of innovation. Sustainability, 10 (10), 3611-3632. http://dx.doi.org/10.3390/su10103611
Sallah, C., A., & Caesar, L., D. (2020). Intangible resources and the growth of women businesses Empirical evidence from an emerging market economy. Journal of Entrepreneurship in Emerging Economies Vol. 12 No. 3, 2020 pp. 329-355 DOI 10.1108/JEEE-05-2019-0070
Sekaran, U. & Bougie, R (2016). Research methods for business (Seventh Edition). USA: Wiley
Slamet, F., Tunjungsari, H., K., Ie, M. (2028). Dasar - Dasar Kewirausahaan: Teori dan Praktik. Indeks, Jakarta.
Tambunan, T., T., H. (2021). UMKM di Indonesia: perkembangan, kendala, dan tantangan. Prenada, Indonesia. Desember 2021.
Tambunan, T, T., H. (2015). Financial inclusion, financial education, and financial regulation: a story from Indonesia. ADBI Working Paper 535. Tokyo. Asian Development Bank Institute (http://www.adb.org/ publications/ financial inclusion-financial-education-and-financial-regulation-story-indonesia/)
Tandrayen-Ragoobur, V., & Kasseeah, H. (2017). Is gender an impediment to firm performance? Evidence from small firms in Mauritius. International Journal of Entrepreneurial Behavior & Research, 23(6), 952-976. https://doi.org/10.1108/IJEBR-11-2016-0385
Wahyuni, N. M., & Sara, I. M. (2020). The effect of entrepreneurial orientation variables on business performance in the SME industry context. Journal of Workplace Learning, 32(1), 35-62. https://doi.org/10.1108/JWL-03-2019-0033