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All Journal Jurnal Ilmiah Universitas Batanghari Jambi Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Edu Sosial : Jurnal Pendidikan Ilmu Pengetahuan Sosial Social Studies Conference Proceedings Journal of Islamic History and Manuscript Jurnal SMART: Sosial Ekonomi Kerakyatan Prosiding Seminar Nasional Unimus Journal of Economics Education International Journal of Islamic Business and Economics (IJIBEC)
Siti Syuhada
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PERAN NEGARA DALAM MENDUKUNG UMKM MELALUI AKSES PERMODALAN DAN DIGITALISASI (STUDI KASUS PADA PROGRAM KUR) Femas Yuanda; Kristober Sitompul; Samsir, Zulpiani; Siti Syuhada; Siti Rauda; Zubaidah
Jurnal Pendidikan Ekonomi Vol 4 No 2 (2025): Desember
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jeec.v4i2.45163

Abstract

Abstract: Micro, Small, and Medium Enterprises (MSMEs) are the backbone of Indonesia’s economy, contributing significantly to GDP and employment. However, they face challenges in accessing formal financing, particularly through the People’s Business Credit (KUR), due to limited legality, poor financial records, and low financial and digital literacy. This study analyzes the government’s role in supporting MSMEs through financing access and digital transformation, using a qualitative descriptive approach involving interviews, observations, and documentation with MSMEs and Bank BRI in Mendalo Darat, Muaro Jambi. Findings show most MSMEs struggle to access KUR due to administrative barriers and limited guidance. Digitalization offers a strategic alternative, though hindered by limited access and skills. Government initiatives such as digital training, OSS, and financing support are essential in boosting MSME competitiveness. The study concludes that synergy between financing and digitalization policies is crucial for inclusive, sustainable MSME growth.
Co-Authors Agum Agum Yudha Joni Anneke Puspita Aulia Tasman Aura miftah charles siahaan Fachruddiansyah Muslim Farra Farra Shazrena Femas Yuanda Hardiani Hardiani Hidayatul Arief Iren Apriliani Iwan Putra Kristober Sitompul Markim, Mayasari Mayasari Mayasari Muazza Novia Sri Dwijayanti Nurmala Sari Refnida, Refnida Romi Kurniadi Rosmiati Rosmiati Rosmiati Rosmiati Samsir, Zulpiani Siti Rauda Zubaidah Zulfa Saumia