PENGARUH LITERASI KEUANGAN DAN INOVASI TERHADAP DAYA SAING UMKM DENGAN KEBIJAKAN PEMERINTAH SEBAGAI VARIABEL MODERASI (Studi pada UMKM di Kecamatan Tampan, Kota Pekanbaru)

Abstract

This study aims to analyze the influence of financial literacy and innovation on the competitiveness of MSMEs.This study also aims to analyze the moderation role of government policies from financial literacy and innovation to the competitiveness of MSMEs.Data acquisition is done using questionnaire method where researchers directly give some questions to respondents. The total sample in this study was 100 MSMEs registered with the Office of Cooperatives and MSMEs pekanbaru city. Data management techniques in this study using multiple linear analysis methods and Moderated Regression Analysis (MRA) with SPSS 25. The results of this study show that Financial Literacy and Innovation affect the Competitiveness of MSMEs where with the application of good financial literacy and innovation can always be done, it will increase the Competitiveness of msmes.In addition, this study also found the results that government policy can strengthen the relationship of Financial Literacy and Innovation to the Competitiveness of MSMEs where government policy becomes a form of support in MSMEs act to improve financial literacy and innovate in developing their business.

Keywords: Financial Literacy, Innovation, Competitiveness of MSMEs, Government Policy