Analysis of the Impact of the Implementation of the Financial Inclusion Program on the Profitability and Growth of MSMEs in Kota Pari Village
Keywords:
MSMEs; Financial_Inclusion_Program; Profitability; Economic_Growth.Abstract
This study aims to analyze the impact of the implementation of financial inclusion programs on the profitability and growth of MSMEs in Pari Serdang Sedagai City Village. One of the government's policies in increasing access to financial services for the wider community, especially in rural areas, is financial inclusion. This study uses a mixed-method approach, this study combines quantitative analysis of financial data from 80 MSMEs in Kota Pari Village. The variables studied include access to banking services, the use of formal credit, the adoption of financial technology, and MSME performance indicators such as revenue growth, profit margin, and business expansion. The results of the study show that the implementation of financial inclusion programs is positively correlated with an increase in the profitability of MSMEs, with an average increase in profit margin of 15%. The growth of MSMEs is also significant, with 60% of respondents reporting business expansion. Factors contributing to this success include increased access to working capital, adoption of digital payments, and increased financial literacy. However, the study also identified challenges such as the digital divide and infrastructure limitations that hinder the equitable distribution of program benefits. The knowledge generated in this study is informing policymakers and development practitioners in designing and implementing more effective financial inclusion programs in rural areas. The study also highlights the importance of a holistic approach that considers local characteristics and the specific needs of MSMEs in an effort to increase financial inclusion.
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