industri kreatif

  • Teguh Ariefantoro Universitas Semarang
  • Aprih Santoso universitas semarang
  • Adhi Pradiptya Universitas Semarang


The purpose of this study is to examine the effect of financial access on financial performance with  financial literacy as moderating variables in small creative industries in Semarang.

The research sample was 103 people who were obtained by purposive sampling technique, namely respondents who took credit for the authority of the Semarang City Government program. Data were analyzed using MRA (Moderated Regression Analysis) analysis.

The result of this research is that financial access has an effect on financial performance. Financial literacy are able to moderate the effect of financial access on financial performance in small creative industries in Semarang.


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How to Cite
ARIEFANTORO, Teguh; SANTOSO, Aprih; PRADIPTYA, Adhi. industri MEASURING THE ROOTS OF PERFORMANCE DETERMINANTS OF CREATIVE SMALL INDUSTRY FINANCIAL ACCESS BASED. Cakrawala Management Business Journal, [S.l.], v. 5, n. 2, p. 240 -247, nov. 2022. ISSN 2623-0887. Available at: <>. Date accessed: 05 feb. 2023. doi: