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All Journal Jurnal Ilmiah Bisnis dan Perpajakan (Bijak)
Muhammad Indirafi Ranadimajid
Universitas Pendidikan Indonesia
Economics, Econometrics & Finance

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Tantangan penerapan teknologi digital dalam transformasi bisnis UMKM di Indonesia: systematic literature review Maulana Yusuf; Muhammad Rafhael Lazuardy; Muhammad Indirafi Ranadimajid; Ida Farida Adi Prawira
Jurnal Ilmiah Bisnis dan Perpajakan (Bijak) Vol. 8 No. 2 (2026): Agustus 2026
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/j.bijak.v8i2.17009

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are strategic pillars of the Indonesian economy, yet their global market contribution remains constrained by significant digitalization barriers. This study aims to identify, categorize, and synthesize the fundamental challenges hindering the digital transformation of MSMEs in Indonesia. Employing a Systematic Literature Review (SLR) methodology, this research analyzes 18 selected scholarly articles published between 2023 and 2025. The findings reveal six primary pillars of obstruction: human resource and digital literacy deficits, technological infrastructure inequality, financial restrictions, psychological and cultural resistance, cybersecurity vulnerabilities, and the ineffectiveness of external support programs. A specific finding highlights a "digital scalability gap," where traditional manual production capacities often fail to meet the surge in demand within the online ecosystem. This research contributes an integrated framework for policymakers and practitioners to design precise intervention strategies, ultimately fostering sustainable digital inclusion and enhancing the competitive resilience of the MSME sector in the digital age.
Co-Authors Ida Farida Adi Prawira Maulana Yusuf Muhammad Rafhael Lazuardy