This study aims to test financial literacy and credit conditions in determining formal credit access to determine the performance of MSMEs. This research includes the type of associative research that is accompanied by hypothesis testing. This research was conducted on MSMEs of as many as 324 creative industry players in four cities in East Java (Mojokerto, Pasuruan, Gresik, and Sidoarjo) with a sample size of 100 actors who had accessed formal credit using the stratified random sampling method for data collection. The results of Smart PLS analysis show that financial literacy and credit terms directly and significantly affect access to formal credit and MSME performance; formal credit access directly and significantly affects MSME performance. Likewise, financial literacy and credit terms indirectly affect the performance of MSMEs. These results mean that financial literacy and credit terms have a strategic role in explaining why access to formal credit is growing and is attracting MSMEs to strengthen capital to improve performance.
Setiap tahun jumlah lulusan sekolah dasar semakin meningkat. Kondisi ini terus meningkat setiap tahunnya, sedangkan di sisi lainnya jumlah lapangan kerja yang tersedia sangat terbatas. Permasalahan ini bisa dikurangi jika ada pelatihan kewirausahaan sejak dini. Mitra kegiatan ini adalah siswa siswi TK/SD Karunia Hidup Surabaya. Pokok masalah yang dihadapi di TK/SD Karunia Hidup adalah keutaman manajemen yaitu perencanaan, pelaksanaan, dan evaluasi pendidikan kewirausahaan tidak dilaksanakan dengan baik dan terstruktur sehingga hasil yang didapat tidak maksimal. Hasil yang diperoleh dari pelatihan kewirausahaan ini adalah bahwa siswa memiliki kemampuan untuk secara mandiri menghasilkan karya yang memiliki nilai jual yang cukup tinggi. Ini bisa dilihat dari hasil karya mereka yang terlihat rapi dan sesuai dengan contoh wujud barang hasil karya yang sudah jadi yang disampaikan kepada Siswa.
The development of information systems especially in the technological aspects is a challenge and an opportunity for Excellent printing companies. These challenges and opportunities as a stimulation to improve the quality and quantity of sales of printed products such as form of brochures, banners, invitations card, notes, and others. In this case the leadership of the company must be aware that the contribution of systems and information technology can provide maximum benefits for the continuance of the company. Information systems and technology can support the process of selling activities more effectively and optimally, so that company revenue can increase. There needs to be real communication, especially with potential customers so that the sales process can run fluently and continuously, but it must be followed by product innovation.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.