Business Performance Optimization through Literacy Finance and Technology Finance with Role Government as Moderation in Small and Medium Enterprises Regency South Nias

Abstract

Study this aim for test and analyze influence positive and significant literacy finance to performance SME business, influence positive and significant technology finance to performance SME business, role government moderate influence positive and significant literacy finance with performance SME business and its role government moderate influence positive and significant technology finance with performance SME business. Population in study as many as 523 perpetrators SME business while sample as many as 242 perpetrators SME business. Method deep data analysis study This use method Structural Equation Model (SEM) with approach Partial Least Square (PLS). Research results show that literacy finance influential positive strong and significant in increase performance business SMEs, technology finance influential negative and no significant to performance SME business, role government moderate negative and significant between influence literacy finance to performance SME business and its role government moderate negative and no significant between influence technology finance with performance SME business. It is hoped that to SME actors to increase ability literacy finance, utilizing service formal finance and integrating technology finance in activity business. Share government area expanding inclusion programs finance, providing means literacy finance and compiling integrated policies​ between inclusion finance, literacy finance, and utilization technology finance. Share institution banking increase innovation product finance, strengthening role consultative and collaborative with technology finance.