Analisis Pengaruh Pembiayaan, Skala Usaha, dan Ketersediaan Sumber Daya Manusia terhadap Profitabilitas UMKM
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan, skala usaha, dan ketersediaan sumber daya manusia terhadap profitabilitas usaha mikro, kecil, dan menengah (UMKM) di Kota Bandung. Sampel sebanyak 200 UMKM dari berbagai industri dan ukuran dikumpulkan, dan data dianalisis dengan menggunakan statistik deskriptif, analisis korelasi, dan analisis regresi. Hasil penelitian menunjukkan bahwa sumber pembiayaan yang beragam, termasuk pinjaman bank dan program bantuan pemerintah, berkorelasi positif dengan profitabilitas UMKM. Selain itu, bisnis berskala besar dan ketersediaan sumber daya manusia yang terampil juga ditemukan memiliki dampak positif yang signifikan terhadap profitabilitas. Analisis regresi lebih lanjut mengkonfirmasi efek individu dan gabungan dari faktor-faktor ini terhadap profitabilitas UMKM. Temuan ini memberikan wawasan yang berharga bagi pemilik UMKM, pembuat kebijakan, dan pemangku kepentingan dalam mengembangkan strategi untuk meningkatkan profitabilitas dan keberlanjutan UMKM di Kota Bandung.
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