PENGEMBANGAN KINERJA USAHA MIKRO KECIL MENENGAH (UMKM) MELALUI INKLUSI KEUANGAN, ORIENTASI PASAR, INOVASI DIGITAL DAN PRAKTIK RAMAH LINGKUNGAN
DOI:
https://doi.org/10.30738/ed_en.v8i2.4468Keywords:
kinerja UMKM, inklusi keuangan, orientasi pasar, inovasi digital, praktik ramah lingkunganAbstract
Terpukulnya hampir semua UMKM pada saat Pandemi Covid-19 membuat kinerja UMKM menurun tajam. UMKM yang terselamatkan adalah yang telah mengenal digitalisasi dalam bisnisnya. Penelitian ini bertujuan untuk mengetahui pengaruh inklusi keuangan, orientasi pasar, inklusi keuangan dan praktek ramah lingkungan terhadap kinerja UMKM seperti. Penelitian ini dilakukan pada UMKM kuliner di Bandar Lampung dengan 100 sampel dengan menggunakan Teknik purposive sampling dalam pengambilan sampel, serta data diolah dengan regresi linier berganda. Hasil temuan mengungkapkan bahwa inklusi keuangan tidak berdampak signifikan terhadap kinerja keuangan, sedangkan orientasi pasar berdampak negatif terhadap kinerj UMKM. Selanjutnya, inovasi digital dan praktik ramah lingkungan, masing-masing berdampak positif signifikan terhadap kinerja UMKM.
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References
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Chen, J., Li, Y., & Zhang, X. (2023). The impact of digital innovation on small and medium-sized enterprises (SMEs) performance: A longitudinal study. Journal of Small Business Management, 61(1), 65-84. https://doi.org/10.1111/jsbm.12473
Christine, C., Zukhri, N., & Saputra, D. (2024). Improving and Maximizing the Financial Performance of MSMEs: A Case Study on MSMEs in the Bangka Belitung Islands Province . Journal of Management, Economic, and Financial, 2(4), 146–156. https://doi.org/10.46799/jmef.v2i4.46
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Linares, H., R., Kellermanns, F. W., & López-Fernández, M. C. (2020). Dynamic Capabilities and SME Performance: The Moderating Effect of Market Orientation. Journal of Small Business Management, 59(1), 162–195. https://doi.org/10.1111/jsbm.12474
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Majid, Sara., Zhang X., Khaskheli, M. B., Hong, F. , King, P. J. H., and Shamsi, I. H. (2023). Eco-Efficiency, Environmental and Sustainable Innovation in Recycling Energy and Their Effect on Business Performance: Evidence from European. SMEs. Sustainability 15, no. 12: 9465. https://doi.org/10.3390/su15129465
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Muis, I., Adhi, T. M., & Kamalia, R. F. (2024). The Impact of Digital Marketing and Innovation on Marketing Performance is Influenced through the Development of a Competitive Advantage. Revista De Gestão Social E Ambiental, 18(8),1-17. https://doi.org/10.24857/rgsa.v18n8-081
Nasrah, R., Husin, N. A., & Salleh, N. A. M. (2023). The Influence of Market Orientation on Business Performance of Micro, Small, and Medium Enterprises Through Innovativeness. Advances in Social Sciences Research Journal, 10(8), 179–197. https://doi.org/10.14738/assrj.108.15238
Ponomarenko, I., Kovalov, B. L., Melnyk, M. (2024). Business Innovations and Digital Transformation: Trend, Comparative and Bibliometric Analysis. Business Ethics and Leadership, 8(1), 74-92. https://doi.org/10.61093/bel.8(1).74-92.2024
Pranisya, Rizal., Pristin Prima Sari & Alfiatul Maulida. (2024). 1. The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance. Jurnal Ekonomi dan Bisnis Vol.12 (20), 244-255, http://dx.doi.org/10.30659/ekobis.25.2.244-255
Riswandi, D Iwan & Agung Zulfikri. (2024). Financial Inclusion, Ethical Invest,ent, And Corporate Social responsibility: A Comprehensive Analysis of factors Affecting Sustainable Finance in Indonesian MSMEs. Journal od Economic, Business and Accounting (Costing) Vol 7(4): 10853-10868. https://doi.org/10.31539/costing.v7i4.9657
Schuyler, G.( 1998). Merging Economic and Environmental Concerns through Ecopreneurship. Digest Number 98-8. Ewing Marion Kauffman Foundation, Kansas City, MO. Center for Entrepreneurial Leadership., 1–4. https://files.eric.ed.gov/fulltext/ED434220.pdf
Singh, Ayush. (2024). Sustainability Practices in Business Operations. International Journal for Research Publication and Seminar, 15(3), 18–34. https://doi.org/10.36676/jrps.v15.i3.1424
Wasim, M., Ahmed, S., Kalsoom, T., Khan, M. S., & Rafi-Ul-Shan, P. M. (2022). Market orientation and SME performance: Moderating role of IoT and mediating role of creativity. Journal of Small Business Management, 62(2), 938–965. https://doi.org/10.1080/00472778.2022.2100897
Webster, F. E. Jr., (1988). The Rediscovery of The Market- Ing Concept. Business Horizons, 31(3), 29–39. https://doi.org/10.1016/0007-6813(88)90006-7
Zhao, X., Li, X., Li, Y. and Wang, Z. (2024), The Impact of Digital Transformation on Firm Performance. Industrial Management & Data Systems, Vol. 124 No. 8, pp. 2567-2587. https://doi.org/10.1108/IMDS-09-2023-0661
Website
Badan Pusat Statistik Provinsi Lampung. (2023). Data Jumlah Usaha Mikro, Kecil dan Menengah (UMKM) Kota Bandara Lampung Tahun 2023. . https://lampung.bps.go.id/id/statistics-table/1/NTU1IzE=/jumlah-usaha-mikro-kecil-dan-menengah-umkm-menurut-kabupaten-kota-di-provinsi-lampung-2020-dan-2021.html Diakses Tanggal 1 April 2024 Pukul 19.30 WIB.
Kadin Indonesia. (20230. UMKM di Indonesia. https://kadin.id/data-dan-statistik/umkm-indonesia/#:~:text=Pada%20tahun%202023%20pelaku%20usaha,%25)%20dari%20total%20tenaga%20kerja Diakses Tanggal 25 Maret 2024 Pukul 17.00 WIB.
World Bank. 2022. Financial Inclusion Overview. https://www.worldbank.org/en/topic/financialinclusion/overview diakses 3 Maret 2024 pukul 20.34 WIB.
Azizah, S. N. ., & Zulvia, D. . (2023). Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Umkm Di Gor Hj. Agus Salim Kota Padang. Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 3(1), 301-310. https://doi.org/10.46306/vls.v3i1.185
Bhuiyan, M. R. I. ., Faraji, M. R. ., Rashid, M. ., Bhuyan, M. K. ., Hossain, R. ., & Ghose, P. . (2024). Digital Transformation in SMEs Emerging Technological Tools and Technologies for Enhancing the SME’s Strategies and Outcomes. Journal of Ecohumanism, 3(4), 211–224. https://doi.org/10.62754/joe.v3i4.3594
Chen, J., Li, Y., & Zhang, X. (2023). The impact of digital innovation on small and medium-sized enterprises (SMEs) performance: A longitudinal study. Journal of Small Business Management, 61(1), 65-84. https://doi.org/10.1111/jsbm.12473
Christine, C., Zukhri, N., & Saputra, D. (2024). Improving and Maximizing the Financial Performance of MSMEs: A Case Study on MSMEs in the Bangka Belitung Islands Province . Journal of Management, Economic, and Financial, 2(4), 146–156. https://doi.org/10.46799/jmef.v2i4.46
Day, George S. & Wensley, Robin. (1988). Assing Advantage: A Framework for Diagnosing Competitive Superiority. Journal of Marketing, Vol.52 (2), 1-20. https://doi.org/10.2307.125261
Ejibe, Irunna., Chinwe C. O., Ekene E. N., Tochukwu C. N. & Uzondu C. S. (2024) Eco-sustainable Practice Through Strategic HRM: A Review and Framework fo SMEs in The Creative Industry. World Journal of Advance Research and Reviews, 21(03), 042-049. https://doi.org/10.30574/wjarr.2024.21.3.0658
Elvina. (2020). Pengaruh Orientasi Kewirausahaan dan Orientasi Pasar Terhadap Kinerja UMKM. Jurnal Sosial Humaniora dan Pendidikan Vol. 4 (1), 46-55. https://doi.org/10.32487/jshp.v4i1
Hui, L., Luo, Z., Liu, K., A. Swathi. (2024). Impact of pollution prevention practices and Green Environmental practices on sustainable performance: Empirical evidence from Chinese SMEs.. Environmental Research, p.118991. https://doi.org/10.1016/j.envres.2024.118991
Jamaludin, M., Busthomi, H., Gantika, S., Rosid, A., Sunarya, E., & Nur, T. (2022). Market Orientation and SCM Strategy on SME Organizational Performances: The Mediating Effect ff Market Performance. Cogent Economics & Finance, 10(1). https://doi.org/10.1080/23322039.2022.2157117
Jebna, A. K. and A. S. Baharudin. (2014). The Impact of Market Orientation on Manufacturing SME Performance in Malaysia with The Moderating Effect of E-Commerce. Proceedings of the 6th International Conference on Information Technology and Multimedia, Putrajaya, Malaysia, pp. 169-172. https://doi.org/10.1109/ICIMU.2014.7066624
Kirchner, S., Müller, J., & Schmidt, L. (2023). Market orientation and its effects on SME performance: An empirical analysis. International Journal of Business and Management, 18(2), 112-129. https://doi.org/10.2139/ssrn.3581713.
Kiyabo, Kibeshi & Nsubili Isaga, (2020) Entrepreneurial Orientation, Competitive Advantage, And Smes’ Performance: Application Of Firm Growth And Personal Wealth Measures. Journal of Innovation and Entrepreneurship, Springer, vol. 9(1), pages 1-15. https://doi.org/10.1186/s13731-020-00123-7
Kotane, I., & Kuzimina-Merlino, I. (2017). Analysis of Small and Medium Sized Enterprises’ Business Performance Evaluation Practice at Transportation and Storage Services Sector In Latvia. Procedia Engineering, 178, 182–191. https://doi.org/10.1016/j.proeng.2017.01.093
Linares, H., R., Kellermanns, F. W., & López-Fernández, M. C. (2020). Dynamic Capabilities and SME Performance: The Moderating Effect of Market Orientation. Journal of Small Business Management, 59(1), 162–195. https://doi.org/10.1111/jsbm.12474
Lonial, S. C., & Carter, R. E. 2015. The Impact of Organizational Orientations on Medium and Small Firm Performance: A Resourceâ€Based Perspective. Journal of Small Business Management, 53(1), 94-113. https://doi.org/10.1111/jsbm.12054
Mahmudova, L., & Kovacs, J. K. (2018). Defining The Performance of Small and Medium Enterprises. Network Intelligence Studies, 6, 111-120. https://seaopenresearch.eu/Journals/articles/NIS_12_5.pdf
Majid, Sara., Zhang X., Khaskheli, M. B., Hong, F. , King, P. J. H., and Shamsi, I. H. (2023). Eco-Efficiency, Environmental and Sustainable Innovation in Recycling Energy and Their Effect on Business Performance: Evidence from European. SMEs. Sustainability 15, no. 12: 9465. https://doi.org/10.3390/su15129465
Mangkau, Ivy Deirdre. (2024). Green Environmental Practices in SMEs. International Journal of Academic Research in Business & Social Sciences Vol.14 (6), 222-6990. https://doi.org/10.6007/ijarbss/v14-i6/21349
Muis, I., Adhi, T. M., & Kamalia, R. F. (2024). The Impact of Digital Marketing and Innovation on Marketing Performance is Influenced through the Development of a Competitive Advantage. Revista De Gestão Social E Ambiental, 18(8),1-17. https://doi.org/10.24857/rgsa.v18n8-081
Nasrah, R., Husin, N. A., & Salleh, N. A. M. (2023). The Influence of Market Orientation on Business Performance of Micro, Small, and Medium Enterprises Through Innovativeness. Advances in Social Sciences Research Journal, 10(8), 179–197. https://doi.org/10.14738/assrj.108.15238
Ponomarenko, I., Kovalov, B. L., Melnyk, M. (2024). Business Innovations and Digital Transformation: Trend, Comparative and Bibliometric Analysis. Business Ethics and Leadership, 8(1), 74-92. https://doi.org/10.61093/bel.8(1).74-92.2024
Pranisya, Rizal., Pristin Prima Sari & Alfiatul Maulida. (2024). 1. The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance. Jurnal Ekonomi dan Bisnis Vol.12 (20), 244-255, http://dx.doi.org/10.30659/ekobis.25.2.244-255
Riswandi, D Iwan & Agung Zulfikri. (2024). Financial Inclusion, Ethical Invest,ent, And Corporate Social responsibility: A Comprehensive Analysis of factors Affecting Sustainable Finance in Indonesian MSMEs. Journal od Economic, Business and Accounting (Costing) Vol 7(4): 10853-10868. https://doi.org/10.31539/costing.v7i4.9657
Schuyler, G.( 1998). Merging Economic and Environmental Concerns through Ecopreneurship. Digest Number 98-8. Ewing Marion Kauffman Foundation, Kansas City, MO. Center for Entrepreneurial Leadership., 1–4. https://files.eric.ed.gov/fulltext/ED434220.pdf
Singh, Ayush. (2024). Sustainability Practices in Business Operations. International Journal for Research Publication and Seminar, 15(3), 18–34. https://doi.org/10.36676/jrps.v15.i3.1424
Wasim, M., Ahmed, S., Kalsoom, T., Khan, M. S., & Rafi-Ul-Shan, P. M. (2022). Market orientation and SME performance: Moderating role of IoT and mediating role of creativity. Journal of Small Business Management, 62(2), 938–965. https://doi.org/10.1080/00472778.2022.2100897
Webster, F. E. Jr., (1988). The Rediscovery of The Market- Ing Concept. Business Horizons, 31(3), 29–39. https://doi.org/10.1016/0007-6813(88)90006-7
Zhao, X., Li, X., Li, Y. and Wang, Z. (2024), The Impact of Digital Transformation on Firm Performance. Industrial Management & Data Systems, Vol. 124 No. 8, pp. 2567-2587. https://doi.org/10.1108/IMDS-09-2023-0661
Website
Badan Pusat Statistik Provinsi Lampung. (2023). Data Jumlah Usaha Mikro, Kecil dan Menengah (UMKM) Kota Bandara Lampung Tahun 2023. . https://lampung.bps.go.id/id/statistics-table/1/NTU1IzE=/jumlah-usaha-mikro-kecil-dan-menengah-umkm-menurut-kabupaten-kota-di-provinsi-lampung-2020-dan-2021.html Diakses Tanggal 1 April 2024 Pukul 19.30 WIB.
Kadin Indonesia. (20230. UMKM di Indonesia. https://kadin.id/data-dan-statistik/umkm-indonesia/#:~:text=Pada%20tahun%202023%20pelaku%20usaha,%25)%20dari%20total%20tenaga%20kerja Diakses Tanggal 25 Maret 2024 Pukul 17.00 WIB.
World Bank. 2022. Financial Inclusion Overview. https://www.worldbank.org/en/topic/financialinclusion/overview diakses 3 Maret 2024 pukul 20.34 WIB.
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