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All Journal Jurnal Bisnis Inovatif dan Digital
Sakinah L
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Transformasi Digital dan Kecerdasan Buatan (AI) dalam Penguatan Keberlanjutan Usaha UMKM di Indonesia : Kajian Literatur Sistematis 2021-2026 Sakinah L; Nadiya Aufa; Ulfiyatus Sabila; Dellia Anjani; Zaenal Abidin
Jurnal Bisnis Inovatif dan Digital Vol. 3 No. 3 (2026): Juli: Jurnal Bisnis Inovatif dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jubid.v3i3.1347

Abstract

This study aims to review the literature on the role of digital transformation and artificial intelligence (AI) in strengthening the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia for the period 2021–2026. Using a systematic qualitative literature review method, this study synthesizes findings from national and international scientific journals, reports from government institutions, and credible academic sources. The results show that digital adoption—including e-commerce platforms, digital payment systems, and AI-based applications—significantly increases market reach, operational efficiency, and business resilience of MSMEs. AI-based technologies such as machine learning, chatbots, and data analytics have proven capable of reducing operational costs and improving decision-making accuracy. However, low digital literacy, limited capital access, and uneven digital infrastructure remain major barriers. Government support through programs such as Bangga Buatan Indonesia and collaboration with the technology sector are key to accelerating inclusive digital transformation. This study concludes that synergizing digital transformation with AI has the potential to become the main pillar of MSME sustainability in the digital economy era in Indonesia.  
Co-Authors Dellia Anjani Nadiya Aufa Ulfiyatus Sabila Zaenal Abidin