Bisma : Business and Management Journal
Vol. 4 No. 2 (2026): Bisma : Business and Management Journal

Pengaruh Kebijakan Pemerintah dan Dukungan Lembaga Keuangan terhadap Perkembangan UMKM di Kabupaten Tasikmalaya

Adi Rafli Setiadi (Universitas Cipasung Tasikmalaya, Indonesia)
Alfin Nur Arifah (Universitas Cipasung Tasikmalaya, Indonesia)
Herdiyanti Herdiyanti (Universitas Cipasung Tasikmalaya, Indonesia)
Ardhiansyah Ardhiansyah (Universitas Cipasung Tasikmalaya, Indonesia)



Article Info

Publish Date
30 Jun 2026

Abstract

This study aims to analyze the influence of government policy and financial institution support on the development of Micro, Small, and Medium Enterprises (MSMEs) in Tasikmalaya Regency. Although MSMEs play a vital role in regional economic growth, they continue to face numerous challenges, including limited access to financing, low financial literacy, marketing difficulties, and technological adaptation. This quantitative study used a survey approach with 100 MSME actors selected through purposive sampling. Data were collected via questionnaires and analyzed using validity tests, reliability tests, classical assumption tests, and multiple linear regression with IBM SPSS Statistics. The results show that government policy has a positive and significant effect on MSME development (β = 0.355, p < 0.001). Financial institution support also has a positive and significant effect (β = 0.458, p < 0.001). The coefficient of determination (R² = 0.667) indicates that 66.7% of the variation in MSME development can be explained by these two variables. This study highlights the importance of stronger synergy between government policies and financial institutions to accelerate MSME growth in Tasikmalaya Regency.

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Journal Info

Abbrev

bisma

Publisher

Subject

Social Sciences

Description

Bisma : Jurnal Bisnis dan Manajemen berfokus pada berbagai tema, topik, serta aspek bisnis dan manajemen, termasuk (namun tidak terbatas) pada topik berikut. Manajemen Pemasaran Manajemen Keuangan Manajemen Sumber Daya Manusia Manajemen Koperasi Manajemen Strategis Manajemen Agribisnis Manajemen ...