PENGARUH LITERASI KEUANGAN,PENGELOLAAN KEUANGAN, DAN AKSES PERMODALANTERHADAP KINERJA UMKM

This study aims to determine the effect of financial literacy, financial management and capital access on the performance of SMEs. Financial literacy is the skills, knowledge, and confidence in the services of financial institutions. Good financial management can improve efficient business performance. Easy capital access from financial institutions can help SME business owners to develop their businesses. This type of research uses quantitative research. The sample in the study was 100 respondents. The sampling technique uses purposive sampling. The technique of collecting data using questionnaires. The analytical tool used is multiple linear regression. The classic assumption test results that all residuals of financial literacy, financial management, and capital access variables are on the normal line, there is no multicollinearity and homoscedasticity occurs. Hypothesis testing uses the F test and t-test. The results of the F test show that all of them influence the performance of SMEs. The results of the t-test show that there is an influence between financial literacy variables on the performance of SMEs, financial management variables on the performance of SMEs and capital access variables on SMEs performance