Bantuan Sosial, Pembiayaan Modal Kerja Dan Kinerja Umkm: Peran Moderasi Entreprenurial Resiliency
DOI:
https://doi.org/10.32534/jv.v18i2.3958Abstract
Salah satu fokus pemerintah Indonesia dalam program pengembangan ekonomi pasca Covid-19 adalah pemberdayaan dan peningkatan kinerja UMKM. Peneltian ini bertujuan menguji pengaruh program pemerintah, yaitu bantuan sosial dan pembiayaan modal kerja, terhadap kinerja UMKM. Selain itu, riset ini juga menguji efek moderasi dari variabel entrepreneurial resiliency didalam pengembangan model penelitian. Penelitian ini adalah jenis penelitian asosiatif yang dilakukan dengan pendekatan kuantitatif. Metode pengumpulan data dalam riset ini menggunakan teknik survey. Responden dalam yang terlibat didalam survey adalah 80 orang pemilik/ manajer UMKM yang berada pada dampingan Dekranasda Kabupaten Kebumen. Berdasarkan hasil pengujian menggunakan alat uji SMART PLS 3, diketahui bahwa bantuan sosial dan perluasan pembiayaan modal kerja berpengaruh signifikan terhadap kinerja UMKM. Hasil pengujian efek moderasi mengindikasikan bahwa entrepreneurial resiliency secara signifikan memperkuat pengaruh pembiayaan modal kerja terhadap kinerja UMKM. Akan tetapi, entrepreneurial resiliency tidak memoderasi pengaruh bantuan sosial terhadap kinerja UMKM. Hasil penelitian ini memberikan rekomendasi bagi pemerintah dan pelaku UMKM perumusan program pemerintah yang tepat untuk membangkitkan kinerja UMKM setelah masa krisis.
Keywords:
Bantuan, Pembiayaan , Kinerja, Entrepreneurial ResiliencyReferences
Alharbi, R. K. (2022). Saudi Arabias small and medium enterprises (SMES) sector post-Covid-19 recovery: stakeholders’ perception on investment sustainability. International Journal of Organizational Analysis, ahead-of-p(ahead-of-print).
Amalia, M. R. (2018). Analisis Pengaruh Pelatihan, Bantuan Modal, dan Cara Pengelolaan Usaha Terhadap Pendapatan Usaha Mikro Kecil dan Menengah. Permana : Jurnal Perpajakan, Manajemen, Dan Akuntansi, 10(2), 248–256.
Anggadwita, G., Martini, E., Hendayani, R., & Kamil, M. R. (2021). The Role of Technology and Innovation Capabilities in Achieving Business Resilience of MSMEs During Covid-19: Empirical Study. 2021 9th International Conference on Information and Communication Technology (ICoICT), 1–6.
Anggraeni, Wulan P, N. M. (2021). Kebijakan Pemerintah Dalam Pemberdayaan UMKM Di Masa Pandemi. Journal of Government and Politics, 3(1), 47–65.
Arninda, D., & Prasetyani, D. (2022). Impact of Covid-19 Pandemic : SMEs Financing Solutions through Fintech Lending Education. 655(Icoebs), 25–31.
Aryanti, F. P., Nurhalizah, F., & Jannah, H. (2022). Pengaruh Kontribusi Pembiayaan Mikro Modal Kerja di dalam Lembaga Keuangan Perbankan Syariah terhadap Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) di Kota Palembang (Studi Kasus Bank Syariah Indonesia KC Demang). Ekonomis: Journal of Economics and Business, 6(2), 699.
Azazz, A. M. S., & Elshaer, I. A. (2022). Amid COVID-19 Pandemic, Entrepreneurial Resilience and Creative Performance with the Mediating Role of Institutional Orientation: A Quantitative Investigation Using Structural Equation Modeling. In Mathematics (Vol. 10, Issue 12).
Bagus, I., Purbadharmaja, P., Agung, A., & Putu, B. (2023). Keberlanjutan dan Inklusi Keuangan pada Pelaku UMKM Penerima BPUM di Provinsi Bali. Jurnal Ilmu Sosial Dan Humaniora, 12(1), 108–119.
Belitski, M., Guenther, C., Kritikos, A. S., & Thurik, R. (2022). Economic effects of the COVID-19 pandemic on entrepreneurship and small businesses. Small Business Economics, 58(2), 593–609.
Ben Romdhane, Y., Kammoun, S., & Werghi, I. (2022). Economic resilience to the FDI shock during the COVID-19 pandemic: evidence from Asia. Journal of Economic and Administrative Sciences, ahead-of-p(ahead-of-print).
Budi Riyanti, Aprilia, T. S. (2022). Sekolah Tinggi Ilmu Ekonomi (STIE) Al-Washliyah Sibolga 1490. Jurnal Ekonomi & Ekonomi Syariah, 5(2), 1490–1503.
Chalim, M. A. (2022). UPAYA PEMERINTAH DALAM MEMBANTU PELAKU USAHA UMKM YANG TERDAMPAK PANDEMI COVID-19. Jurnal Penelitian Hukum, 01(01), 1–11.
Dhayita, R. T., & Fandis, E. (2020). Empowerment Strategy on Micro , Small , and Medium Enterprises ( MSMEs ) During COVID-19 Pandemic in Indonesia : A Case Study of BRI Microfinance Center. 03022.
Dias, Á. L., Cunha, I., Pereira, L., Costa, R. L., & Gonçalves, R. (2022). Revisiting Small- and Medium-Sized Enterprises’ Innovation and Resilience during COVID-19: The Tourism Sector. In Journal of Open Innovation: Technology, Market, and Complexity (Vol. 8, Issue 1).
Elshaer, I. A. (2022). Dimensionality Analysis of Entrepreneurial Resilience amid the COVID-19 Pandemic: Comparative Models with Confirmatory Factor Analysis and Structural Equation Modeling. In Mathematics (Vol. 10, Issue 13).
Faeni, D. P., Puspitaningtyas Faeni, R., Alden Riyadh, H., & Yuliansyah, Y. (2023). The COVID-19 pandemic impact on the global tourism industry SMEs: a human capital development perspective. Review of International Business and Strategy, 33(2), 317–327.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24.
Haykal, M., Bensaadi, I., & Yunus, S. (2022). Covid-19 Impact on Micro and Small-Medium Enterprises Operating and Analysis of Government Stimulus Packages. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 5(1), 1422–1430.
Hu, L., & Bentler, P. M. (1998). Fit Indices in Covariance Structure Modeling : Sensitivity to Underparameterized Model Misspecification. Psychological Method, 3(4), 424–453.
Huang, X., Chau, K. Y., Tang, Y. M., & Iqbal, W. (2022). Business Ethics and Irrationality in SME During COVID-19: Does It Impact on Sustainable Business Resilience? . In Frontiers in Environmental Science (Vol. 10).
Joo, H.-Y., & Min, H. (2022). Assessing the impacts of government environmental policies on the small and medium-sized firm’s performances in Korea and China. Benchmarking: An International Journal, ahead-of-p(ahead-of-print).
Khan, M. A., Zubair, S. S., & Shah, S. N. M. (2022). Influence of emotional intelligence on enterprise performance with mediating role of entrepreneurial resilience: a case of SMEs in Pakistan under the light of Covid-19. Transnational Corporations Review, 1–15.
Khurana, I., Dutta, D. K., & Singh Ghura, A. (2022). SMEs and digital transformation during a crisis: The emergence of resilience as a second-order dynamic capability in an entrepreneurial ecosystem. Journal of Business Research, 150, 623–641.
Korber, S., & McNaughton, R. B. (2018). Resilience and entrepreneurship: a systematic literature review. International Journal of Entrepreneurial Behavior & Research, 24(7), 1129–1154.
Kurnia, C. M. D., Raharja, E., & Sugiarto, Y. (2019). An investigation of factors affecting SMEs performance: an Indonesian case. Diponegoro International Journal of Business, 2(1), 52.
Lestari, D. S., Nurlaela, S., & Dewi, R. R. (2021). Insentif Pajak, Bantuan Stimulus Pemerintah Pada Kinerja Usaha Mikro Kecil Menengah Di Kabupaten Boyolali. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 9(1), 133–144.
Liu, Y., Dilanchiev, A., Xu, K., & Hajiyeva, A. M. (2022). Financing SMEs and business development as new post Covid-19 economic recovery determinants. Economic Analysis and Policy, 76, 554–567.
Marginingsih, R. (2021). Program Pemulihan Ekonomi Nasional Sebagai Kebijakan Penanggulangan Dampak Pandemi Covid-19 Pada Sektor UMKM. Moneter: Jurnal Akuntansi Dan Keuangan, 8(2), 110–116.
Molina-García, A., Diéguez-Soto, J., Galache-Laza, M. T., & Campos-Valenzuela, M. (2023). Financial literacy in SMEs: a bibliometric analysis and a systematic literature review of an emerging research field. Review of Managerial Science, 17(3), 787–826.
Nihayah, A. Z., & Rifqi, L. H. (2022). Kontribusi Perbankan Syariah terhadap Permodalan UMKM Selama. Jurnal Ecodemica: Jurnal Ekonomi, Manajemen, Dan Bisnis, 6(2), 1–9.
Nik Abdullah, N. H., Mirza, N. M. A., Krishnan, S., Mohd Zakaria, A. A., & Morris, G. (2022). A Framework of Contingencies Factors, Government Support and Management Accounting Practices in Malaysian Small and Medium-Sized Enterprises. Indonesian Journal of Economics, Social, and Humanities, 4(1), 1–13. https://doi.org/10.31258/ijesh.4.1.1-13
Okuwhere, M. P., & Tafamel, A. E. (2022). Coronavirus (COVID-19) and Entrepreneurship in Africa: Challenges and Opportunities for Small and Medium Enterprises Innovation. In A. A. Eniola (Ed.), Entrepreneurship and Post-Pandemic Future (pp. 7–21). Emerald Publishing Limited.
Patma, T. S., Wardana, L. W., Wibowo, A., Narmaditya, B. S., & Akbarina, F. (2021). The impact of social media marketing for Indonesian SMEs sustainability: Lesson from Covid-19 pandemic. Cogent Business & Management, 8(1), 1953679.
Portuguez Castro, M., & Gómez Zermeño, M. G. (2021). Being an entrepreneur post-COVID-19 – resilience in times of crisis: a systematic literature review. Journal of Entrepreneurship in Emerging Economies, 13(4), 721–746.
Priyono, A. F., Sapulette, M. S., Ekonomi, F., & Parahyangan, U. K. (2022). PENINGKATAN PEMAHAMAN PROGRAM BANTUAN DAN INSENTIF BAGI PELAKU USAHA UMKM , SERTA PERAN DIGITALISASI DI ERA PANDEMI COVID-19 DAN SESUDAHNYA A . LATAR BELAKANG dan turunnya kinerja ekonomi di berbagai negara dan wilayah , termasuk di Indonesia . Penetapan. Jurnal Masyarakat Mandir, 6(1), 236–247.
Purnomo, B. R., Adiguna, R., Widodo, W., Suyatna, H., & Nusantoro, B. P. (2021). Entrepreneurial resilience during the Covid-19 pandemic: navigating survival, continuity and growth. Journal of Entrepreneurship in Emerging Economies, 13(4), 497–524.
Putritamara, J. A., Hartono, B., Toiba, H., Utami, H. N., Rahman, M. S., & Masyithoh, D. (2023). Do Dynamic Capabilities and Digital Transformation Improve Business Resilience during the COVID-19 Pandemic? Insights from Beekeeping MSMEs in Indonesia. In Sustainability (Vol. 15, Issue 3).
Razumovskaia, E., Yuzvovich, L., Kniazeva, E., Klimenko, M., & Shelyakin, V. (2020). The Effectiveness of Russian Government Policy to Support SMEs in the COVID-19 Pandemic. In Journal of Open Innovation: Technology, Market, and Complexity (Vol. 6, Issue 4).
Sahoo, P. S. B. B., & Thakur, V. (2022). Enhancing the performance of Indian micro, small and medium enterprises by implementing supply chain finance: challenges emerging from COVID-19 pandemic. Benchmarking: An International Journal, ahead-of-p(ahead-of-print).
Santoso, R. (2022). Disrupsi Pandemi dan Strategi Pemulihan Industri Kreatif. Jurnal Manajemen Dan Kewirausahaan, 7(1), 48–58.
Seraj, A. H., Fazal, S. A., & Alshebami, A. S. (2022). Entrepreneurial Competency, Financial Literacy, and Sustainable Performance—Examining the Mediating Role of Entrepreneurial Resilience among Saudi Entrepreneurs. In Sustainability (Vol. 14, Issue 17).
Silfia, B., & Utami, A. (2021). Dampak Pandemi Covid 19 Terhadap Sektor UMKM di Indonesia. ECONOMIE, 03(1), 1–7.
Taneo, S. Y. M., Noya, S., Melany, M., & Setiyati, E. A. (2022). The Role of Local Government in Improving Resilience and Performance of Small and Medium-Sized Enterprises in Indonesia *. Journal of Asian Finance, Economics and Business Vol, 9(3), 245–256.
Thukral, E. (2021). COVID-19: Small and medium enterprises challenges and responses with creativity, innovation, and entrepreneurship. Strategic Change, 30(2), 153–158.
Tien, N. Van. (2022). Recommendations Enhancing the Competitive Capacity of Small and Medium Enterprises after the Covid-19 Pandemic. Emerging Science Journal, 6, 122–135.
Valdez-Juárez, L. E., Castillo-Vergara, M., & Ramos-Escobar, E. A. (2022). Innovative Business Strategies in the Face of COVID-19: An Approach to Open Innovation of SMEs in the Sonora Region of Mexico. Journal of Open Innovation: Technology, Market, and Complexity, 8(1), 47.
Wellalage, N. H., Kumar, V., Hunjra, A. I., & Al-Faryan, M. A. S. (2022). Environmental performance and firm financing during COVID-19 outbreaks: Evidence from SMEs. Finance Research Letters, 47, 102568.
Xie, C., & Liu, C. (2022). The Nexus between Digital Finance and High-Quality Development of SMEs: Evidence from China. In Sustainability (Vol. 14, Issue 12).
