Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen
Vol. 4 No. 4 (2025): Oktober: Inisiatif : Jurnal Ekonomi, Akuntansi dan Manajemen

Analisis Kebijakan Pemerintah dalam Pengembangan UMKM melalui Platform Crowdfunding

Friska Amelia (Unknown)
Imsar Imsar (Unknown)
Muhammad Ikhsan Harahap (Unknown)



Article Info

Publish Date
31 Oct 2025

Abstract

This article analyzes the role of government policy in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) through crowdfunding platforms in Indonesia. Crowdfunding is increasingly being seen as an innovative and accessible funding alternative, especially for MSMEs facing capital constraints. The research uses a qualitative descriptive method by reviewing government policies and regulatory frameworks as well as existing crowdfunding practices. The findings indicate that the effectiveness of crowdfunding for MSMEs relies on policy clarity, digital literacy, and synergy between the government, platform providers, and business actors. The study emphasizes the importance of a sharia-compliant funding framework to enhance trust and participation, particularly given the regulatory gaps and the dominance of non-sharia platforms. This research underscores the necessity of adaptive government policies, targeted digital literacy programs (especially in regions like North Sumatra/Medan), and the formalization of sharia crowdfunding models to achieve financial inclusion and sustainable economic empowerment for MSMEs

Copyrights © 2025






Journal Info

Abbrev

Inisiatif

Publisher

Subject

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

Description

Kajian-kajian tersebut diharapkan dapat memperkaya khasanah keilmuan di bidang manajemen dan bisnis sehingga dapat menjadi salah satu referensi bagi para akademisi, pemangku kepentingan dan masyarakat luas. Manajemen SDM Keuangan Akutansi Ekonomi ...