Pengaruh Akses Permodalan Syariah dan Jiwa Kewirausahaan Terhadap Keberlanjutan Usaha UMKM
Kata Kunci:
Sharia Capital Access, Entrepreneurial Spirit, Business Sustainability, MSMEsAbstrak
This study is motivated by the importance of sharia capital access and entrepreneurial spirit in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Ciamis Regency. This study aims to examine and analyze the effects of sharia capital access and entrepreneurial spirit, both partially and simultaneously, on MSME business sustainability. This study employed a quantitative approach with an explanatory research design. The population comprised MSME owners and operators in Ciamis Regency, with a sample of 100 respondents selected using purposive Sampling based on the criteria of actively operating an MSME and having knowledge of or experience with capital financing services. Primary data were collected through questionnaires using a five-point Likert scale, while secondary data were obtained from scientific literature and official statistical reports. The data were analyzed using multiple linear regression with SPSS software. The results showed that sharia capital access had a positive and significant effect on MSME business sustainability, with a t-value of 4.052, a significance value of 0.000, and a regression coefficient of 0.321. Entrepreneurial spirit also had a positive and significant effect on MSME business sustainability, with a t-value of 7.290, a significance value of 0.000, and a regression coefficient of 0.528. Simultaneously, both variables had a significant effect on MSME business sustainability, with an F-value of 107.689 and a significance value of 0.000. The coefficient of determination (R Square) of 0.689 indicates that sharia capital access and entrepreneurial spirit explained 68.9% of the variation in MSME business sustainability, while the remaining 31.1% was explained by other factors outside the research model. This study concludes that adequate access to sharia capital and a strong entrepreneurial spirit are important factors in supporting MSME business sustainability in Ciamis Regency.
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