IMPLEMENTASI FINANCIAL INCLUSION TERHADAP USAHA MIKRO KECIL DAN MENENGAH (UMKM) DENGAN KEARIFAN LOKAL SEBAGAI VARIABEL MODERATING

Zainuddin Sanuddin

Abstract


Small and Medium Micro Enterprises (SMME) are the main advocates of the economy in national development. SMME as business activities which is not require special requirements such as educational background and job skills. In addition, its financial capital is relatively small. These reasons makes the business very interested and have a high contribution in making the job opportunities.This study aims to know the influence of financial inclusiveness toward SMME in Palopo, and the influence of financial inclusiveness toward SMME with local wisdom as the moderating variable. Then, the researcher applied quantitative method. The data is processed and analyzed by using multiple linear regression and also SPSS for windows. The findings showed that financial inclusiveness variable had positive effect to Small and Medium Micro Enterprises in Palopo city. Then, the results of the regression showed that local wisdom as moderating variable gives the strengtheneffect to the influence of financial inclusiveness toward SMME.

Keywords: Inclusive of finance, local wisdom, and SMME


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