REMITEN DAN KINERJA UKM MILIK EKS TENAGA KERJA WANITA (TKW) DI KABUPATEN BANYUMAS Oleh: Nur Fatah 1) , Oman Rusmana 1) , Wita Ramadhanti 1) E-mail: nurfatah_26@yahoo.co.id 1) Fakultas Ekonomi Universitas Jenderal Soedirman ABSTRACT SMEs plays important role in Indonesian economic development. Many Indonesian women becoming migrant worker outside the country in order to collect remittances as future capital for funding their SME, but not many research about them. This aims of this research is to find out the relation between remittance and financial performance of SMEs owned by ex women migrant workers. Mix method research is applied in this research, first by doing quantitative method then continued by qualitative. First, quantitative research are tested the influence of remittance on SMEs capital, overseas work experience, business manager education, firm age and firm size on financial performance. The sample of this research is 32 SMEs owned by formerwomen migrant workers in Banyumas selected using use purposive method. Hypothesis testing was done by the multiple regression analysis and the result shows that there is no influence of remittance on SMEs capital on financial performance but overseas work experience, business manager education, firm age and firm size has influence on financial performance. Second, qualitative method through in depth interview shows the reason behind quantitative analysis results. It implied that Indonesian migrant workers former not confidence to borrow money for expanding the business even had a chance so financial performance not increased. Other side, most of them are not prepared and not make any real calculation about their assets or revenue and cost, so it’s difficult to realize how much exactly they can earn and their cost. Keywords: Small and medium enterprises, Indonesian women migrant workers, remittance, financial performance. PENDAHULUAN Kebutuhan hidup adalah suatu hal yang harus dipenuhi dan selalu ada dari dulu hingga sekarang, oleh karena itu seluruh manusia mempunyai pekerjaannya masing-masing untuk memenuhi kebutuhan hidupnya tersebut, baik kebutuhan fisiologis maupun kebutuhan yang lain sampai pada kebutuhan aktualisasi diri baik masyarakat yang ada di kota maupun di desa (Maslow, 2006). brought to you by CORE View metadata, citation and similar papers at core.ac.uk provided by JP Fakultas Ekonomi dan Bisnis Unsoed (Universitas Jenderal Soedirman, Journal &...