Pengaruh Financial Capital dan Human Capital terhadap Kinerja UMKM
DOI:
https://doi.org/10.29313/bcses.v6i2.24780Keywords:
Financial Capital, Human Capital, Kinerja Usaha, UMKMAbstract
Abstract. Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia’s economic development through their contribution to gross domestic product and employment. However, limited access to financial capital and inadequate human capital remain major challenges affecting business performance. This study aims to examine the influence of financial capital and human capital on MSME business performance in Cibeunying Kaler District, Bandung City. A quantitative approach with descriptive and verification methods was employed. Primary data were collected through questionnaires distributed to 80 MSME owners selected using purposive sampling. Data were analyzed using multiple linear regression with IBM SPSS Statistics. The results indicate that financial capital has a positive and significant effect on business performance. Human capital also has a positive and significant effect and is the dominant factor influencing MSME performance. Simultaneously, both variables significantly improve business performance. These findings highlight the importance of improving access to financial resources and strengthening entrepreneurs’ competencies to enhance MSME competitiveness and business sustainability.
Abstrak. Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam mendorong pertumbuhan ekonomi nasional melalui kontribusinya terhadap Produk Domestik Bruto (PDB) dan penyerapan tenaga kerja. Namun, keterbatasan akses permodalan dan rendahnya kualitas sumber daya manusia masih menjadi kendala yang memengaruhi kinerja usaha. Penelitian ini bertujuan menganalisis pengaruh financial capital dan human capital terhadap kinerja usaha UMKM di Kecamatan Cibeunying Kaler, Kota Bandung. Penelitian menggunakan pendekatan kuantitatif dengan metode deskriptif dan verifikatif. Data primer diperoleh melalui penyebaran kuesioner kepada 80 pelaku UMKM yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa financial capital dan human capital berpengaruh positif dan signifikan terhadap kinerja usaha, dengan human capital sebagai variabel yang paling dominan. Temuan ini menunjukkan bahwa peningkatan akses permodalan dan penguatan kompetensi pelaku usaha penting untuk meningkatkan daya saing dan keberlanjutan UMKM.
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