The Influence of Capital Loans and E-Commerce Utilization on the Production and Income of MSME Actors: A Case Study of Kuta Mimba Cooperative

Cooperatives play a strategic role in driving the economic growth of their members, particularly through capital support and the utilization of digital technology. The Kuta Mimba Cooperative provides capital loans and has developed an e-commerce feature called My Merchant on the Kuta Mimba Mobile Application to support its members who are Micro, Small, and Medium Enterprises (MSME) actors. This study aims to: 1) examine the direct influence of capital loans and e-commerce utilization on MSME production; 2) examine the direct influence of capital loans and e-commerce utilization on MSME income; and 3) examine the indirect influence of capital loans and e-commerce utilization on MSME income through MSME production. This study employs a quantitative method using path analysis, direct effect testing, and the Sobel test (for indirect effects). The respondents consist of 66 cooperative members who use the My Merchant feature and have received capital loans. The results show that capital loans do not have a direct effect on MSME production, while e-commerce utilization has a positive and significant effect on MSME production. Capital loans have a positive and significant direct effect on MSME income, whereas e-commerce utilization does not have a direct effect on MSME income. Indirectly, capital loans do not influence MSME income through MSME production, while e-commerce utilization has a positive and significant indirect effect on MSME income through MSME production.