Does Financial Inclusion Important in MSMEs Financing in Indonesia? Analysis Using Dimension Bank as Mediation

Abstract

This study aims to see the role of banks as an effort to achieve financial inclusion. MSMEs have a very vital role in increasing economic growth in Indonesia, there are various types of MSMEs that are scattered throughout the region. The problem of MSMEs, in general is a problem of capital. To overcome this, there is one model, namely financial inclusion, which can encourage the financial system to be accessible to all levels of society. Financial inclusion is one way to socialize the financial sector, especially to facilitate banking services and financial access for the public. This study uses primary data and secondary data, in this study, researcher used MSMEs, as the population of the study. Total MSMEs in Jakarta is 930,620 Units. The results of the study show that all the variables are significant positive, in the efforts to finance MSMEs in Indonesia, which means that banks play an important role in channeling funds to MSMEs, so that inclusion runs well. This is in line with the Entrepreneurial finance theory which emphasizes that increasing business capital both from internal and external, followed by increased entrepreneurship and management capacity will be able to improve company performance, especially MSMEs.