ANALISA TERHADAP PERAN UMKM DALAM PEREKONOMIAN INDONESIA
Keywords:
MSMEs, Indonesian economy, digitalization, access to financing.Abstract
This research aims to analyze the role of Micro, Small and Medium Enterprises (MSMEs) in the Indonesian economy, especially in terms of contribution to Gross Domestic Product (GDP), job creation and challenges faced by MSMEs. The data obtained shows that MSMEs contribute more than 60% to Indonesia's GDP and absorb more than 97% of the national workforce. However, MSMEs face various obstacles, especially in access to financing, low adoption of digital technology, and human resource development. The COVID-19 pandemic has had a significant impact on MSME revenues, with around 70% of MSMEs experiencing a decline in income. However, 20% of MSMEs that have utilized digital platforms have succeeded in maintaining or increasing their income. The results of this research show that digitalization and government policies, such as the People's Business Credit (KUR) program, are very important to support the growth of MSMEs. This research recommends increasing access to digital technology and business capital to increase the competitiveness of MSMEs in the future.
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Copyright (c) 2024 Alfina Ferderika, Anrica Ferdianti, Melda Yunisa, Muhammad Rizky Riyanto (Author)
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