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Abstract
ABS-89
The Influence of Financial Literacy, Financial Inclusion, Financial Technology, and Business Capital on MSME Performance
Hamdan Fathoni (a), Pristin Prima Sari (b), Ratih Kusumawardhani (c)
Corresponding Author: Hamdan Fathoni


Question from Mr. Hilda Ika Ihsanda
2024.11.05 12:36:49

Good Afternoon

Why does financial inclusion have a negative effect on the
financial performance of MSMEs?

Thank you

Reply from Mr. Hamdan Fathoni
2024.11.05 13:00:40

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.

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