Pengaruh Modal, Lama Usaha dan Pemberian Kredit terhadap Kinerja Keuangan pada Usaha Mikro Kecil dan Menengah (UMKM) di Dusun Kelapa Sawit Desa Padasugih Brebes (Studi Kasus Toko Zonaku Mbako)

Abstract

This research is motivated by the crucial role of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia's economy, particularly in contributing to gross domestic product (GDP) and employment absorption. However, MSMEs often face challenges related to insufficient capital, business longevity, and access to credit, all of which affect their financial performance. This study focuses on MSMEs in Kelapa Sawit Hamlet, Padasugih Village, Brebes, using the case of Zonaku Mbako Store, which has shown increased sales and income during the observation period but still encounters difficulties in managing capital and credit to support business growth. The urgency of this research lies in the need to understand the influence of capital, length of business, and credit provision on the financial performance of MSMEs, so as to provide appropriate recommendations for business development and the welfare of MSME actors. Additionally, this research is relevant in the context of government policies that support credit provision as a financing solution for MSMEs. The research method employed is quantitative, utilizing multiple linear regression analysis. The study population consists of 139 customers of Zonaku Mbako Store, with samples selected using specific sampling techniques to obtain representative data. The data were analyzed to examine the relationships between capital, length of business, and credit provision variables on MSMEs' financial performance. The results show that capital and credit provision have a significant positive effect on financial performance, while length of business has a significant negative effect. This indicates that capital and access to credit can improve MSMEs' financial performance, but a longer business duration does not always guarantee better performance, possibly due to adaptation challenges or market competition. The discussion emphasizes the importance of effective capital and credit support, as well as adaptive business management strategies, to enhance the financial performance of MSMEs at Zonaku Mbako Store, Brebes.