Pengaruh Akses Keuangan dan Digital Marketing terhadap Pertumbuhan UMKM dengan Literasi Keuangan sebagai Variabel Moderating
Abstract
Usaha Mikro Kecil Menengah (UMKM) merupakan kegiatan usaha yang mampu memperluas lapangan pekerjaan, berperan dalam proses pemerataan dan peningkatan pendapatan masyarakat serta mendorong pertumbuhan ekonomi. Peran penting tersebut telah mendorong pemerintah untuk meningkatkan pertumbuhan UMKM. Namun dibeberapa daerah pertumbuhan UMKM masih sangat rendah seperti halnya yang terjadi di Kabupaten Padang Lawas. Penelitian ini bertujuan untuk menganalisis pengaruh akses keuangan dan digital marketing terhadap pertumbuhan UMKM di Kabupaten Padang Lawas dengan literasi keuangan sebagai variabel moderating. Metode penelitian ini menggunakan penelitian deskriptif kuantitatif. Populasi dalam penelitian ini adalah pelaku UMKM yang menggunakan akses keuangan dan digital marketing di Kabupaten Padang Lawas dengan teknik pengambilan sampel stratified random sampling dan diperoleh sampel 97 responden. Analisis yang digunakan yaitu Analisis Regresi moderasi (MRA) dengan menggunakan software SmartPLS 4.0. Hasil penelitian ini menunjukkan bahwa, (1) Terdapat pengaruh signifikan antara variabel akses keuangan terhadap pertumbuhan UMKM di Kabupaten Padang Lawas, (2) Tidak terdapat pengaruh signifikan antara variabel digital marketing terhadap pertumbuhan UMKM di Kabupaten Padang Lawas, (3) Literasi keuangan dapat memoderasi akses keuangan terhadap pertumbuhan UMKM di Kabupaten Padang Lawas, (4) Literasi keuangan tidak dapat memoderasi digital marketing terhadap pertumbuhan UMKM di Kabupaten Padang Lawas.
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