The Influence of SIA, Education Level, Business Length, and Credit Provision on the Financial Performance of MSME Cafe

Abstract

The purpose of this study is to analyze the influence of the Accounting Information System (SIA), education level, length of business, and credit provision on the financial performance of MSME cafes in Nganjuk Regency. This study uses an explanatory quantitative method used in 136 MSME café units, with data collected through questionnaires. The results of the analysis showed that the value of F calculated 8.010 > F table 2.44 and the significance of 0.000 < 0.05, indicating that the four independent variables had a significant effect on financial performance. These findings affirm the importance of good SIA management, the education level of business actors, length of business, and access to credit in improving financial performance. It is recommended that MSME actors utilize information technology and strengthen financial management to remain competitive in the digital era