Pengaruh Akses Permodalan, Manajemen Keuangan, dan Strategi Pemasaran Digital Terhadap Pertumbuhan UMKM di Era Digital (Studi Kasus di Desa Terara)
DOI:
https://doi.org/10.61231/70ewk550Keywords:
Access to Capital; Financial Management; Digital Marketing Strategies; MSME Growth in The Digital EraAbstract
This study aims to analyze the effects of access to capital, financial management, and digital marketing strategies on the growth of MSMEs in the digital era, both partially and simultaneously. This study employed a quantitative approach using a survey method. The research was conducted in Terara Village, East Lombok Regency, involving 50 MSME owners as research respondents. Data were collected through questionnaire distribution. The data were analyzed using descriptive statistical analysis, validity tests, reliability tests, classical assumption tests, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that, partially, access to capital and financial management have no significant effect on the growth of MSMEs in the digital era. In contrast, digital marketing strategies have a positive and significant effect on the growth of MSMEs in the digital era. Simultaneously, access to capital, financial management, and digital marketing strategies have a significant effect on the growth of MSMEs in the digital era. These findings suggest that digital marketing strategies are the most influential factor contributing to the growth of MSMEs in Terara Village in the digital era.
References
Aniversari, P. (2023). Pengaruh Akses Permodalan, Financial Literacy, Kreativitas Dan Digital Arketing Terhadap Pengembangan Usaha Pada Umkm Di Desa Merak Batin Kecamatan Natar.
Ariadin, M., & Safitri, T. A. (2021). Perilaku Manajemen Keuangan Pada Umkm Sentra Kerajinan Kayu Di Kabupaten Dompu. Jurnal Among Makarti, 14(1), 31–43.
Asbarini, Setiawan, Safara, & Jamil. (2024). Analisis Perkembangan dan Dampak Ekonomi Digital pada Usaha Mikro Kecil dan Menengah (UMKM) di Kabupaten Lombok Timur. EKSYDA: Jurnal Studi Ekonomi Syariah, 5(1), 30–47.
Bimantoro. (2024). Sosialisasi Pemasaran Digital bagi Pelaku UMKM di Desa Jurit, Lombok Timur, NTB. Jurnal Bisnis Dan Teknologi Informasi, 1(1), 50–60.
Hidayati, N., Ningsih, I., Wirastomo, H., Asidah, E., Andika, H. S., & Amin, F. S. (2025). Analisis Manajemen Keuangan UMKM Kuliner di Pantai Tanjung Bias ( Financial Management Analysis of Culinary MSMEs on Tanjung Bias Beach ).
Mardiah, A., Sunarni, Putri, N. R., Sono, M. G., & Putra, J. E. (2024). Strategi Pemasaran Digital untuk UMKM di Era Digital. Jurnal Kajian Ekonomi Dan Bisnis Islam, 5(11), 5464–5474.
Oktayani, K. S., Gede, L., & Dewi, K. (2024). Pengaruh Akses Keuangan , Modal Keuangan , Dan Kebijakan Pemerintah Terhadap Pertumbuhan UMKM di Kecamatan Buleleng. Jurnal Akuntansi Profesi, 15(1), 433–447.
Safwan. (2025). Kesejahteraan Masyarakat dan Pembinaan UMKM di Lombok Timur. Portal Lombok Timur.
Schwab, K. (2017). The Fourth Industrial Revolution.
Tambunan, T. T. H. (2022). Recent Development of Micro, Small and Medium Enterprises in Indonesia. International Journal of Social Sciences and Management Review, 06(01), 193–214. https://doi.org/10.37602/ijssmr.2022.6112
Timur, B. L. (2023). Kabupaten Lombok Timur dalam Angka 2023.
Ulum, I. (2017). Intellectual Capital: Model Pengukuran, Framework Pengungkapan, dan Kinerja Organisasi. Penerbit Universitas Muhammadiyah Malang (UMM).
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Aglis Esa Fandriana, R. Ayu Ida Aryani, Baiq Dinda Ayu Puspita, Ikang Murapi

This work is licensed under a Creative Commons Attribution 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.












