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All Journal Palapa: Jurnal Study Keislaman dan Ilmu Pendidikan QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks PROSIDING SEMINAR NASIONAL PROGRAM PASCASARJANA Martabe : Jurnal Pengabdian Kepada Masyarakat Ruhama : Islamic Education Journal SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Jurnal 'Aisyiyah Medika Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Pengabdian Masyarakat: Darma Bakti Teuku Umar Sricommerce: Journal of Sriwijaya Community Services Jurnal Pengabdian UNDIKMA Masker Medika Journal of Educational Administration and Leadership (JEAL) AKM: Aksi Kepada Masyarakat BIOVALENTIA: Biological Research Journal Society: Jurnal Pengabdian Masyarakat Nautical: Jurnal Ilmiah Multidisiplin Indonesia Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Khidmah: Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen Pendidikan Islam Inspirasi: Jurnal Pengabdian Masyarakat ISLAMITSCH FAMILIERECHT JOURNAL Al Fitrah: Journal Of Early Childhood Islamic Education
Mardalena Mardalena
Fakultas Peternakan Universitas Jambi, Kampus Pinang Masak, Jl. Raya Jambi – Ma. Bulian Km 15 Ma. Jambi 36136 Jambi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Jurnal Perspektif Pembiayaan dan Pembangunan Daerah

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The impact of digital transformation on financial inclusion: Evidence from MSMEs in Indonesia Harunurrasyid, Harunurrasyid; Gustriani, Gustriani; Mardalena, Mardalena; Nida, Rahma
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 4 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i4.36399

Abstract

The integration of digitalization in micro, small, and medium enterprises (MSMEs) has become a cornerstone in enabling these businesses to thrive within an increasingly competitive and dynamic marketplace. This study, based on data from a survey of 5,553 MSMEs, examines the impact of digitalization on financial inclusion and enterprise productivity. The findings reveal that digitalization reduces MSMEs' dependence on traditional banking systems for credit, facilitating access to alternative financing options through internet-based technologies. Moreover, advancements in technology contribute to increased bank loans and improved MSME productivity by overcoming conventional barriers to financial inclusion and reaching previously underserved segments of the MSME sector. The adoption of formal business status fosters structured and organized operations, thereby enhancing overall performance, while the mere longevity of a business does not guarantee increased productivity. Additionally, improved financial management skills acquired through training are shown to diminish reliance on traditional bank financing. The study also highlights the adverse effects of the COVID-19 pandemic, including lockdown measures, supply chain disruptions, and changes in consumer behavior, which collectively led to a decline in MSME productivity.
Co-Authors ABDUL BASHIR, ABDUL Ade Taufan Adipati Napoleon Adnan, Nazeli Afika, Tya Aina, Masika Nurul Alghifari Mahdi Igamo Andaiyani, Sri Andriani, Diyan Anna Yulianita Anwar, Reski Arislan, Arislan aryanti, puji tri Azwardi Azwardi Badawi, Badawi Bella, Mardyatul Anna Chodijah, Rosmiyati Daniel Happy Putra Dirta Pratama Atiyatna Dwi Darma Puspita Sari Elfisa, Yesi Endang Solichin Fransika, Helda Gustriani, Gustriani Harunurrasyid, Harunurrasyid Hayati Hayati Hidayat, Ariodillah Ichsan Hamidi Liliana Liliana Lilis Susanti, Lilis Lintang, Ayu Marlina, Lisha Marwan Riki Ginanjar Melina, Angra Mohamad Adam Muhammad Ali Basroh Muhammad Faizal Mukhlis Mukhlis Mukhlis Yunus Mukhlis Yunus Nida, Rahma Ramadhan, Muhammad Fadilah Ridho Maulana Sagita, Ayu Sari, Enderia Sarinah Sarinah Sasmita, Ruwaiza Saukani, Saukani Selvy Apriani Septianingsih, Lutfi Shodrokova, Xenaneira Siti Rohima Solly Aryza Sri Utami Subardin, Muhammad Sukanto Sukanto Sulastri Sulastri Syukurman, M. Taufik Hidayat Tini, Jumi Alia Titin Sumarni Wehdawati, Wehdawati Wulandari, Zulfa Yarsah, Waldi Novi YULIA SAFTIANA, YULIA Yulisa, Heni Yuniza Yuniza Zebron, Zebron