Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Community Services and Social Work Bulletin
Wiwi Ida Khaida
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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Strengthening Village-Based MSMEs Through Multi-Stakeholder Collaboration: Evidence from the Partnership Between Village Governments, MSMEs, and Banks Adie Dwiyanto Nurlukman; Wiwi Ida Khaida
Community Services and Social Work Bulletin Vol. 6 No. 1 (2026): Community Services and Social Work Bulletin Volume 6 No. 1 2026
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/cswb.v6i1.16998

Abstract

Micro, Small, and Medium Enterprises (MSMEs) contributed 61.07% to Indonesia's GDP in 2024 (~IDR 8,574 trillion) and absorbed 117 million workers (97%). However, only about 39.7% of MSMEs were connected to the digital ecosystem as of mid-2024. Digital adoption tools, such as the Quick Response Code Indonesian Standard (QRIS), and formalization programs (Business Identification Numbers/NIB and halal certification) were introduced via a multi-stakeholder governance model engaging village governments, MSMEs, and Bank BTN. This study evaluates the effectiveness of a multi-stakeholder collaboration model in accelerating digitalization, legal formalization, and financial inclusion among village-based MSMEs in Banten Province. A descriptive qualitative approach integrated with secondary dataset triangulation and field mentoring documentation was conducted. Multi-stakeholder collaboration led to a sixfold increase in MSME digital adoption (from 12.5% to 51.3%), enhanced legal compliance (30 MSMEs acquired NIB and halal certificates), increased average monthly turnover by 71.4%, and raised local employment by 54%. This community-centric governance model offers a scalable and replicable framework for rural economic empowerment and inclusive development.
Co-Authors Adie Dwiyanto Nurlukman