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All Journal Jurnal Karya Pendidikan Matematika MediaKom : Jurnal Ilmiah Ilmu Komunikasi PROCEEDINGS JURNAL EKONOMI MANAJEMEN AKUNTANSI DHARMA EKONOMI Yustisi: Jurnal Hukum dan Hukum Islam Jurnal Ilmiah Wahana Pendidikan Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Ilmu Komunikasi dan Sosial Politik Journal Economic Excellence Ibnu Sina International Journal of Economics and Management Research
Siti Hidayah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Building Digital Resilience: Exploring the Narratives of Micro-Entrepreneurs in Technology-Based Financial Transformation in Semarang City Siti Hidayah; Bagus Kusuma Ardi; Sunarmi Sunarmi; Taufan Akbar Rifky; Shafira Mayada
International Journal of Economics and Management Research Vol. 4 No. 3 (2025): December : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i3.602

Abstract

This study focuses on designing a technology-based financial restructuring model to address the challenges faced by micro-enterprises in Semarang, particularly in financial management. Micro-enterprises play a vital role in the local economy but often struggle with liquidity issues, delayed payments, and weak receivable management, which increase their vulnerability to financial distress and potential bankruptcy. The research used a qualitative case study approach, combining in-depth interviews with 20 micro-entrepreneurs, five financial experts, participatory observations in 10 businesses, and three Focus Group Discussions (FGDs) involving entrepreneurs, fintech providers, and banking representatives. The data were analyzed using thematic coding, SWOT, and gap analysis to identify financial distress patterns and develop a restructuring prototype through design thinking. The results showed that 80% of MSMEs in Semarang face medium to high financial distress risk, with only 40% using digital tools for financial recording. The findings reveal a significant gap, as 60% of MSMEs still rely on manual methods. The study suggests that integrating basic financial applications and providing digital literacy training can enhance efficiency, decision-making, and resilience. The proposed financial restructuring model addresses both digital solutions and literacy barriers, ensuring practical adoption by micro-entrepreneurs.
Co-Authors Abu Amar Akhmad Fathurohman Alfia Nur Imamah Almaidah Sela Agustin Anton Kurniawan B.S Ardhi Harry Setiawan Bagus Kusuma Ardi, Bagus Kusuma Darsono . Dea Putri Rahmadhani Dian Wahyu Utomo Dita Aulia Dwi Aprilia Endah Winarti HS Enny Winaryati Fany Septi Andriana Fasochah . Harnoto . Hartanto . Intan Budi Pramesty Jessica Septina Triningsih Kukuh Bambang Supriyanto Kustiawan, Kustiawan Laksono Trisnantoro Lila Trisnaningsih M. Arief Rahman Hakim Mariyatul Qibtiyah Moh. Masyrofi Hidayat Mohammad Zeqi yasin Nanang Budiyanto Santosa Prayoga Nindi Anggi Wardani Nova Fatmawatiningtyas R Hery Wibowo Rakhmat Triadi Ramadiyati Okta Putri Ratnanda Kresna Dwiguna Riqbal Fauzi Salman Wonnink SB Handayani Selly Arsita Shafira Mayada Sri Julianingsih Sugeng Bowo Handayani Sukmonoadi Singosurandono Sunarmi Taufan Akbar Rifky Wachid Fuady R Wachid Fuady Rahmat Widya Septian Dini Yulia Putri Andarini Yunisya Azura