The Influence of Business Capital, Digitization, and Access To Financing on The Performance of Culinary Micro, Small, And Medium Enterprises (MSMES) In Palembang
DOI:
https://doi.org/10.61978/moneta.v4i1.1158Keywords:
Business Capital, Digitization, Access to Financing, MSME Performance, PalembangAbstract
This study aims to examine how business capital, digitization, and access to financing influence the performance of culinary Micro, Small, and Medium Enterprises (MSMEs) in Palembang. A total of 100 respondents from local culinary MSMEs were surveyed. Data were analyzed using the Partial Least Squares (PLS) method through SmartPLS 3.0 software. The results indicate that business capital and access to financing have positive and significant effects on MSME performance, while digitization shows a positive but insignificant effect. These findings suggest that sufficient business capital and financing access are essential for improving MSME performance. However, digital adoption among MSMEs in Palembang remains suboptimal due to limited digital literacy and infrastructure. Strengthening capital and access to financing, alongside accelerating digital transformation, is necessary to enhance MSME competitiveness and sustainability.
References
Afrizal, A., & Megananda, R. (2025). Digitalisasi dan pembiayaan dalam keberlanjutan UMKM. Jurnal Ekonomi Digital, 7(1), 45–57.
Aryanti, D., & Nurhalizah, N. (2022). Akses pembiayaan dan pertumbuhan laba UMKM. Jurnal Keuangan Mikro, 4(2), 101–115.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008 DOI: https://doi.org/10.2307/249008
Dinas Koperasi dan UMKM Kota Palembang. (2022). Laporan Perkembangan UMKM Kota Palembang.
Dzikrullah, A., & Chasanah, U. (2024). Pengaruh akses pembiayaan terhadap kinerja UMKM. Jurnal Ekonomi Dan Bisnis, 12(2), 55–70.
Fadhilah, N. (2023). Transformasi digital dan kinerja keuangan UMKM. Jurnal Manajemen Digital, 5(1), 66–78.
Fahmi, A., & Hidayat, R. (2021). Modal dan profitabilitas UMKM. Jurnal Ekonomi Mikro, 9(2), 120–135.
Ghozali, I., & Latan, H. (2015). Partial least squares: Konsep, teknik, dan aplikasi menggunakan program SmartPLS 3.0. Badan Penerbit Universitas Diponegoro.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2019). A primer on partial least squares structural equation modeling (PLS-SEM (2nd ed.). Sage Publications. DOI: https://doi.org/10.3926/oss.37
Handayani, R. (2023). Barriers to digital transformation among micro and small enterprises. International Journal of Small Business Studies, 15(1), 67–81.
Harahap, S. S. (2015). Analisis Kritis atas Laporan Keuangan (11th ed.). Rajawali Pers.
Harefa, A., Simbolon, T., & Situmorang, D. (2024). Fintech dan pembiayaan UMKM. Jurnal Inovasi Finansial, 6(1), 77–92.
Hidayat, A., & Sari, N. (2020). Akses pembiayaan formal dan profitabilitas UMKM. Jurnal Manajemen Usaha Kecil, 5(2), 33–44.
Kementerian Koperasi dan UKM. (2021). Laporan Tahunan Perkembangan UMKM Indonesia.
Leatemia, R., Pattiasina, V., & Manuhutu, Y. (2023). Digitalisasi dan daya saing UMKM. Jurnal Ekonomi Digital, 6(2), 55–70.
Lestari, P., & Pratiwi, S. (2022). Struktur modal dan profitabilitas UMKM. Jurnal Manajemen Keuangan, 10(1), 34–45.
Lestari, Y., Rahayu, M., & Prabowo, H. (2021). Adopsi digitalisasi UMKM pasca pandemi. Jurnal Inovasi Bisnis, 9(2), 144–160.
Maksum, A. (2012). Metodologi Penelitian dalam Olahraga. Unesa University Press.
Nasution, M., Putri, F., & Siregar, R. (2020). Akses modal dan keberlanjutan UMKM. Jurnal Ekonomi Pembangunan, 21(1), 22–36.
Prasetyo, A., & Ananda, D. (2022). Efisiensi digitalisasi UMKM. Jurnal Bisnis Dan Teknologi, 8(3), 199–210.
Pratama, Y., & Sari, L. (2020). Inklusi keuangan dan pertumbuhan UMKM. Jurnal Keuangan Daerah, 5(2), 55–70.
Rahmawati, S. (2021). Pengaruh keterbatasan modal terhadap kinerja UMKM. Jurnal Ekonomi Mikro, 7(1), 88–97.
Riyanti, I., & Asmara, D. (2021). Pinjaman usaha dan keberlanjutan UMKM. Jurnal Manajemen Usaha Mikro, 3(2), 45–59.
Rizal, F. (2020). Fintech lending sebagai alternatif pembiayaan UMKM. Jurnal Ekonomi Syariah, 4(1), 77–89. https://doi.org/10.24198/adbispreneur.v3i2.17836 DOI: https://doi.org/10.24198/adbispreneur.v3i2.17836
Santika, I. G. N., & Yadna, I. M. (2017). Technology acceptance model dalam adopsi teknologi. Jurnal Sistem Informasi, 13(2), 56–65.
Santoso, H., Putra, A., & Dewi, N. (2024). UMKM dan ketahanan ekonomi nasional. Jurnal Ekonomi Indonesia, 12(1), 1–15.
Setiadi, M., & Rahayu, T. (2022). Digitalisasi teknologi dan peningkatan laba UMKM. Jurnal Manajemen Teknologi, 7(2), 123–137.
Sholihin, M., & Ratmono, D. (2020). Analisis SEM-PLS dengan WarpPLS 7.0. Andi Offset.
Siregar, F., & Sembiring, D. (2022). Dampak digitalisasi UMKM pasca pandemi. Jurnal Manajemen Bisnis, 5(3), 144–158.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Sulistyowati, E., & Perdana, H. (2023). Skala usaha, pembiayaan, SDM, dan profitabilitas UMKM. Jurnal Ekonomi Dan Bisnis, 11(2), 55–70.
Suri, R., Ningsih, D., & Putra, Y. (2024). Digitalisasi, pembiayaan, dan peningkatan laba UMKM. Jurnal Keuangan Dan Perbankan, 9(1), 22–35.
Tambunan, T. (2019). UMKM di Indonesia: Isu-isu penting. LP3ES.
Tashakkori, A., & Teddlie, C. (2010). Mixed Methodology: Mengombinasikan Pendekatan Kualitatif dan Kuantitatif. Pustaka Pelajar.
Wahyuni, S., & Rahman, A. (2021). Literasi digital dan kendala UMKM. Jurnal Teknologi Informasi, 6(2), 111–125.
Wulandari, R. (2022). Peran pembiayaan mikro terhadap ekspansi UMKM. Jurnal Keuangan Mikro, 3(1), 40–52.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Moneta : Journal of Economics and Finance
This work is licensed under a Creative Commons Attribution 4.0 International License.
