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Anggraini, Putri
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Journal : Law Development Journal

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Corporate Social Responsibility Law and the Prevention of MSMEs Bankruptcy in the Digital Era Sunarto, Atika; Gulo, Nestiani; Anggraini, Putri; Ali Adnan, Muhammad
Law Development Journal Vol 8, No 1 (2026): March 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.1.21-35

Abstract

The digital era poses bankruptcy risks for MSMEs in Medan City due to low digital literacy, weak financial management, and limited market access. Corporate Social Responsibility (CSR) implemented by Bank Sumut Berkah plays a strategic role in preventing bankruptcy and enhancing the competitiveness of MSMEs. This study analyzes the implementation of CSR, the challenges encountered, and the impact of the program on business resilience in the digital era using a normative juridical method through literature review, policy document analysis, and semi-structured interviews. The findings indicate that the implementation of Corporate Social Responsibility by Bank Sumut Berkah significantly contributes to improving managerial capacity, financial literacy, business digitalization, and market access for Micro, Small, and Medium Enterprises. The program is able to reduce bankruptcy risk and strengthen business competitiveness in the digital era. The main challenges identified include limited understanding of digital technology, the short duration of mentoring, and uneven access to program information. Therefore, continuous assistance, broader program dissemination, and the establishment of business networks or communities are necessary to enhance program effectiveness.
Co-Authors ., Faradika ., Renita Astri ahmad kamal, ahmad Aini, Mahsuri Aini, Muqsita Akiriningsih, Titik Amanda, Wilia Zulkifni Ana Susiati, Ana Ananda, Muhammad Rizky Anjani, Salsabila Apriliani, Liza Apriyanto, Bejo Apriyanto, Wahyudi Ardhiyanti, Virdiana Intan Arfatussalamah, Arfatussalamah Atika Sunarto Az-Zahro, Aisyah Aziza, Wafiq Azizi, Ainun Bahar, Sakila Bunga Aditi Daffa , Wijdan Dalimunthe, Nikmah Darmaesti Dean Amri, Ary DESTRIANA DESTRIANA, DESTRIANA Destriani, Destriani Dewi Novianti Dwi Sartika, Dwi Efa Rodiah Nur Eka Yuliani Enjelica, Celsia Eva Suryani Fachriza, Muhammad Rifqy Faradika, Faradika Faraditha, Sabrina Fardhani, Indra Febrianty, Febrianty Febryanti, Anisa Finarsih, Endang Ulfa Gilberto Silimalar, Juan Arthur Gulo, Nestiani Gunawan, Dika Andiana Sari Handayani, Misari Harahap, Ahmad Taufiq Harahap, Aulia Nurul Annisa Herni, Zulfiana Irawan, Ravika Putri Istianah, Iis Izzati, Normaily Dewi Juliani, Arsi Kurniawan, Heldi Lestari, Dinda Liana, Firza Lubis, Muya Syaroh Iwanda Maharani, Aliffa Manusama, Selma Safrina Markhomah, Wiwik Matondang, Sabrina Natasya Maulana Ali Maulidia, Eva Mu'in, Fathul MUHAMMAD ALI ADNAN Muji Gunarto Mulya, Dio Prima Muslimin Muslimin Mutiara Eka Puspita Nabila, Rossa Nasution, Asrindah Netty Merdiaty Noor Diani Novita, Elma Nurhaliza, Nurhaliza Nurhayati Nurhayati Pangastuti, Era Iswara Panjaitan, Miranda Patria, Armen Pradini, Aufa Ema Prasetyaningtyas, Pingkan Visionari Prasetyo, Andre Pratiwi Octasylva, Annuidya Rosyidta Puspasari, Rita Putra, Ramadhan Nugraha Putri Tunggal Dewi, Citra Putri, Gustiana Rahayu, Jihan Chandra Hesti Rahim, Rani Refia, Farah Audifa Renita Astri Renita Astri Reyhan, Edowardo Rina Rehayati Rizki Thoyyibah, Rahmah Salsabila, Tiara Sari, Dinda Aulia Sari, Intan Utna Septia Wulandari Septian, Bunga Shamara, Devina Siregar, Ihsan Mulia Sokawati, Nowita Ayu SRI ASTUTIK Sri Lestari Sularno Sularno Sularno, Sularno Tamba, Muller Theresia, Tiarma Talenta Tolubaw, Andrido Umu Da’watul Choiro Utnasari, Intan Victorian, Ahmad Richad Wahid, Abdurahman Wahyuni, Willia Wendi Boy Winarsih Winarsih Yunita Panca Putri, Yunita Yusfi, Herri Yuza, Windy Putri Zarwani, Moch. Zulfahmi . Zulfahmi Zulfahmi Zulkarnain Zulkarnain