THE IMPACT OF MICRO CREDIT AND BUSINESS MANAGEMENT TRAINING TO MICRO AND SMALL BUSINESS PERFORMANC IN WEST JAWA INDONESIA Foura Deviyanti, Layyinaturrobaniyah*, Adiatma M. Siregar
Magister Management of Integrated Microfinance Management
Faculty of Economics and Business
Universitas Padjadjaran, Bandung, Indonesia
Abstract
Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the national economy. However, there are still many problems faced by SMEs such as the availability of capital and the difficulties of accessing capital to the banks financial institution as a lender and also other problems such as low understanding in business management, limited market access, and lack of mastery of science and technology. This study aims to analyze the extent of the effect of micro credit financing provided by banks and business management training on MSMEs performance. The method used in this research is mix method by using Sequential Explanatory Analysis, where quantitative data analysis using Partial Least Square (PLS) with research subject are debitur Bank bjb located in area Kanwil 1 which is taking micro credit (no more than Rp 50 million). The results showed that micro credit financing and business management training partially have a positive and significant impact on the performance of MSMEs.
Keywords: Micro credit, financing, microfinance, management training, Micro business
