The Effect of Capital Access and Financial Literacy on the Development of MSMEs in Bangkalan Regency

Furin Indayah, Ahmad Kamil

Abstract


Micro, Small, and Medium Enterprises (MSMEs) are the backbone of economic growth in many countries, including Indonesia. MSMEs contribute significantly to job creation, local economic growth, and poverty reduction. However, MSMEs often face challenges in improving the competitiveness of their businesses. One of them is the problem of capital and lack of financial literacy. The government continues to strive to improve the competitiveness and participation of small and medium enterprises (MSMEs) in the economy. The competitiveness of MSMEs needs to be improved in order to compete globally.

This research uses quantitative research. The subjects of this research are MSME actors in Bangkalan Regency. The data used is primary data obtained from respondents through questionnaires and secondary data from related agencies as supporting data. The analysis techniques used are descriptive statistical analysis, classical assumption test, multiple linear regression analysis, and hypothesis testing. This research describes the results of data processing, so that it can be interpreted easily by the reader.

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References


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