JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni

DIGITALISASI PERBANKAN DAN AKSES UMKM : PELUANG DAN TANTANGAN HUKUM

Syakira Edriamarsha Firdaus (Unknown)
Baidhowi Baidhowi (Unknown)

Article Info

Publish Date
26 May 2025

Abstract

The digitalization of banking has created opportunities for Micro, Small, and Medium Enterprises (UMKM) in Indonesia to access financing more easily and efficiently. Through digital banking services, the loan application and disbursement processes have become faster, thereby enhancing financial inclusion for UMKM. However, the implementation of this digitalization also faces various legal challenges, such as personal data protection, the security of electronic transactions, and regulations that are not yet fully adaptive to technological developments. Therefore, a comprehensive and flexible legal framework is needed to support the synergy between banking digitalization and UMKM, to ensure the optimal use of technology and legal protection for all parties involved.

Copyrights © 2025




Citation Download
RIS
EndNote, Reference Manager, ProCite
BibTex
Latex, Jabref
Original Source
Download Original
Google Scholar
Check in Google Scholar
Journal Info
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Website

Abbrev

jaem

Publisher

CV Kampus Akademik Publising

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

JURNAL AKADEMIK EKONOMI DAN MANAJEMEN (JAEM) berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen. Topik dalam Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada ...