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Atika Sunarto
Universitas Prima Indonesia
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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 Adnan, Ali Aisyah Aisyah Ali Adnan Anggraini, Putri Arditha Anggraeni, Ajeng Hanum Aruan, Anri Penataran Azizan Khair Christina Karo Karo Derisman Zebua Desnico Parhusip Dicky Alfredo Ginting Efendi, Stanley A. Elvira Fitryani Pakpahan Geraldine, Ananda Gideon Gultom, Sanjaya Gulo, Nestiani Iin Hotprinauli Purba Iwan Setyawan Kaur, Pawiter Dinsha Kelly Kelly Kelly Kelly Keren Trifena Ompusunggu Khair, Azizan Maharani Maharani, Maharani Malau, Steven Canisius Marlina Elisabeth Pakpahan Mashita Margaretha Manurung Mazmur Septian Rumapea Monica Monica, Monica MUHAMMAD ALI ADNAN Muhammad Arif Prasetyo Nainggolan, Samuel Natal, Inson Putra Noor, Tajuddin O.K. Isnainu Puspita Grace Angelia Lumbantobing Rodiatun Adawiyah Ronal Pranata Manullang Ruben Rezeky Sianturi Santo Satria Simanjuntak Siburian, Sukses M P Simarmata, Lucky Every Sinambela, Jamalum Siringo Ringo, Gideon Sitompul, Aryo Stanley A. Efendi Suhaila Zulkifli Tajuddin Noor Tajuddin Noor Tajuddin Noor Tarigan, Erlangga P Suranta Taris Arrofi, Ahmad Widodo Ramadhana Yanti Agustina Manik Zendrato, Rizaldo zulkifli, suhaila zulkifli