THE ROLE OF FINANCIAL INSTITUTIONS (BANKS) IN THE DEVELOPMENT OF UMM IN WEST OF NUSA TENGGARA PROVINCE, INDONESIA
This research aims to analyze: (1) the effect of credit received on Business Micro Small Medium income; (2) the influence of the competence of human resources (HR) on the income; (3) the influence of entrepreneurship orientation on Business Micro Small Medium. income; (4) the effect of credit receiv...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
| Published: |
iVolga Press
2020-09-01
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| Series: | Russian Journal of Agricultural and Socio-Economic Sciences |
| Subjects: | |
| Online Access: | https://rjoas.com/issue-2020-09/article_13.pdf |
| Summary: | This research aims to analyze: (1) the effect of credit received on Business Micro Small Medium income; (2) the influence of the competence of human resources (HR) on the income; (3) the influence of entrepreneurship orientation on Business Micro Small Medium. income; (4) the effect of credit received on the welfare of Business Micro Small Medium employees; (5) the influence of competence of human resources (HR) on employee welfare; (6) the influence of entrepreneurial orientation on employee welfare; (7) the indirect effect of received credit, the competence of human resources (HR) and the influence of entrepreneurial orientation on employee welfare through the income of Business Micro Small Medium. This research is a quantitative research conducted in West Nusa Tenggara Province in 10 districts / cities with a sample size of 110 respondents. Data analysis was performed using the SEM-PLS method. The results of research and data analysis indicate that: (1) credit received has no and significant effect on welfare; (2) the competence of human resources has a significant and significant effect on employee welfare;
(3) entrepreneurial orientation has a significant and significant effect on the income of Business Micro Small Medium; (4) credit received has no significant effect on employee welfare; (5) the competence of human resources has a significant and significant effect on employee welfare; (6) entrepreneurial orientation has no and significant effect on employee welfare; (7) Business Micro Small Medium income has a significant and significant effect on employee welfare; (8) Business Micro Small Medium income (Y1) is unable to mediate positively and significantly the indirect effect of credit received (X1) on employee welfare (Y2); (9) Business Micro Small Medium income (Y1) is unable to mediate positively and significantly the indirect effect of human resources (X3) on employee welfare (Y2);
(10) Business Micro Small Medium income (Y1) is able to positively and significantly mediate the indirect effect of entrepreneurial orientation (X2) on employee welfare (Y2). |
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| ISSN: | 2226-1184 |