Ibnu Khajar|Nunung Ghoniyah
SMEs' PERFORMANCE IMPROVEMENT IN NON-AGRICULTURAL PRODUCTION THROUGH FINANCIAL LITERACY MEDIATION BY EXTERNAL FUNDING ACCESS IN JEPARA, INDONESIA
Sultan Agung Islamic University|Sultan Agung Islamic University
smes contributed labor absorption provinces budget however smes face significant obstacles accessing external funding also weak understanding various financial aspects study aims examine effect financial literacy external funding access growth smes sample population comprised smes nonagricultural sector jepara indonesia central java province study employed plssem statistical tools prove hypotheses answer research objectives study indicated financial literacy could improve access external funding sources enhancing growth smes however financial literacy significant positive effect development smes study also proved complete mediation external funding mediator study expected essential reference recommendation reducing unemployment rate additionally increases prosperity welfare people central java province establishment development smes government policies intensify program