THE ROLE OF FINANCIAL LITERATION IN MODERATING THE RELATIONSHIP BETWEEN ACCESS TO FINANCIAL AND THE GROWTH OF MSMES IN WEST KALIMANTAN PROVINCE – INDONESIA

Malaysian E Commerce Journal

Muhammad Rheza Tawakkal¹  Girang Permata Gusti¹  Yudis Agustira¹ 

[1] Sekolah Tinggi Ilmu Ekonomi Boedi Oetomo Jl. Ampera No. GG 1-2, Sungai Bangkong, Kec. Pontianak Kota, Kota Pontianak, Kalimantan Barat Indonesia;

关键词: financial literacy;    access to finance;    msmes growth;    covid-19;    west kalimantan;   

DOI  :  10.26480/mecj.01.2021.01.06

来源: DOAJ

【 摘 要 】

The low rate of financial literacy in West Kalimantan has triggered a study to explore the role of this variable, can it moderate the relationship between financial access and the growth of MSMEs in West Kalimantan Province?. This research uses a descriptive method with an associative research design and 390 MSMEs respondents. The distribution of the questionnaires used postal services, electronic mail, and social media. The results of this study are financial literacy can moderate the relationship between financial access and the growth of MSMEs and financial literacy has a positive and significant effect on the growth of MSMEs. An interesting finding from this research is access to finance has a negative and significant effect on the growth of MSMEs, this result is due to the lack of knowledge of MSMEs about how to manage money obtained from bank loans.

【 授权许可】

Unknown