Thankyou for your question Dr Teguh Erawati.
This study uses references from research (Yanti, 2019). The novelty of this
study is the addition of financial technology and business capital variables,
as well as differences in sampling in different places.
Thank you for your question, Dr. Edy Suryawardana.
That^s right, there is a weakest indicator in each variable. The financial
literacy variable has the weakest indicator, namely financial attitude, the
financial inclusion variable has the weakest indicator, namely welfare, the
financial technology variable has the weakest indicator, namely efficiency,
the business capital variable has the weakest indicator, namely loan capital.
Indicator weakest variable 1, namely financial attitude.This explains that
MSME actors in Bantul already have an understanding of financial literacy,
particularly regarding the indicators of financial attitudes. This means that
MSME actors are now able to manage their financial attitudes in terms of risk
strategies and target planning for their businesses.
Indicator weakest variable 2, namely welfare. This explains that MSME
actors in Bantul do not utilize the services provided by financial institutions
regarding credit usage, particularly concerning welfare indicators. This
means that MSME actors in Bantul have not been able to fully utilize the
credit services offered by financial institutions.
Indicator wekaest variable 3, namely eficien. This explains that MSME actors
in Bantul already have an understanding of the use of financial technology,
particularly regarding efficiency indicators. It means that MSME actors are
now able to utilize financial technology in the form of ease in transactions.
Indicator weakest variable 4, namely loan capital. This explains that MSME
actors in Bantul already have a fairly good business capital, especially in
terms of equity. This means that MSME actors in Bantul are capable of
managing their business capital, which consists of their own equity.
Thankyou Mr Hilda for your question
Because the test results indicate that the t-value is -0.418 with a
significance of 0.677 > 0.05, thus there is a negative and insignificant
effect of the financial inclusion variable on MSME performance.
This explains that MSME actors in Bantul do not utilize the services provided
by financial institutions regarding credit usage, particularly concerning
welfare indicators. This means that MSME actors in Bantul have not been
able to fully utilize the credit services offered by financial institutions.
