Pengaruh Strategi Inovasi Terhadap Kinerja Keuangan Melalui Intellectual Capital Pada Usaha Mikro Kecil dan Menengah (UMKM) Studi Kasus UMKM Sektor Kerajinan Tangan di Kota Surabaya 

The Influence of Innovation Strategy on Financial Performance Through Intellectual Capital in Micro, Small, and Medium Enterprises (MSMEs): A Case Study of MSMEs the Hand Craft Sector in Surabaya

Usaha mikro, kecil, & menengah (UMKM) berperan vital sebagai pilar perekonomian Indonesia. Usaha tersebut selain membuka lapangan kerja, turut berkontribusi besar pada pertumbuhan ekonomi nasional. Penelitian ini bertujuan untuk menganalisis pengaruh strategi inovasi terhadap kinerja keuangan melalui intellectual capital pada UMKM sektor kerajinan tangan di Kota Surabaya. Penelitian dilakukan menggunakan pendekatan kuantitatif dengan sampel penelitian 75 UMKM yang dipilih secara purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan SPSS. Hasil penelitian menunjukkan bahwa strategi inovasi berpengaruh positif signifikan terhadap kinerja keuangan UMKM. Selain itu, intellectual capital, yang mencakup human capital, customer capital, structural capital, dan technological capital, memperkuat hubungan antara strategi inovasi dan kinerja keuangan.

Kata Kunci: Strategi Inovasi, Kinerja Keuangan, Modal Intelektual, Umkm, Kerajinan Tangan.   

Micro, Small, and Medium Enterprises (MSMEs) play a vital role as a pillar of Indonesia's economy. Besides creating employment opportunities, they significantly contribute to national economic growth. This study aims to analyze the influence of innovation strategies on financial performance through intellectual capital in hand craft MSMEs in Surabaya City. The research employed a quantitative approach with a purposive sampling method involving 75 MSMEs. Data were collected through questionnaires and analyzed using SPSS. The results indicate that innovation strategies have a significant positive effect on MSMEs' financial performance. Additionally, intellectual capital—encompassing human capital, customer capital, structural capital, and technological capital—strengthens the relationship between innovation strategies and financial performance.

Keywords: Innovation Strategy, Financial Performance, Intellectual Capital, MSMEs, Hand Craft.