PENGARUH BUDAYA KEUANGAN, KEPUTUSAN PEMBAYARAN KREDIT DAN DAYA SAING TERHADAP AKSES KEUANGAN UMKM

Abstract

This study aims to investigate the impact of certain factors on MSMEs' access to finance, focusing on financial culture, credit repayment decisions and competitiveness. The approach used is associative research with a quantitative approach. The research sample consisted of 100 selected respondents using non-probability and purposive sampling methods. Data analysis was performed using Structural Equation Modeling (SEM). The findings of this study indicate that competitiveness and financial culture have a partially positive and significant effect on access to finance. However, credit payment decisions do not significantly affect access to finance. The results of this study provide better insight into the factors that influence MSME financial access and can become an important basis for decision-making in increasing MSME financial access.