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

doi:10.22437/jeec.v4i2.45163

Jurnal

PERAN NEGARA DALAM MENDUKUNG UMKM MELALUI AKSES PERMODALAN DAN DIGITALISASI (STUDI KASUS PADA PROGRAM KUR)

Journal of Economic Education · Vol. 4 No. 2 (2025) · hlm. 136–147

DOI: 10.22437/jeec.v4i2.45163
ISSN: 2964-559X
Terbit: 2025-12-31
Penerbit: Fakultas Keguruan dan Ilmu Pendidikan Universitas Jambi
Bahasa: en

Abstrak

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.

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Universitas Jambi
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Tampilkan sebagai tabel

Rekan penulis	Organisasi	Artikel bersama
Syamsurijal Tan	Universitas Jambi	2
Hardiani Hardiani	Universitas Jambi	1
Aulia Tasman	Universitas Jambi	1
Sugeng Trirahmadi	Universitas Jambi	1
Agnes Monica Aprilya	Universitas Jambi	1
Aulia Sanova	Universitas Jambi	1
Nova Susanti	Afiliasi tidak diketahui	1
Tiara Sandari	Afiliasi tidak diketahui	1
Alrizal Alrizal	Afiliasi tidak diketahui	1
Muswita Muswita	Afiliasi tidak diketahui	1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JEec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en">PERAN NEGARA DALAM MENDUKUNG UMKM MELALUI AKSES PERMODALAN  DAN DIGITALISASI  (STUDI KASUS PADA PROGRAM KUR)</dc:title>
	<dc:creator xml:lang="en">Femas Yuanda</dc:creator>
	<dc:creator xml:lang="en">Kristober Sitompul</dc:creator>
	<dc:creator xml:lang="en">Samsir, Zulpiani</dc:creator>
	<dc:creator xml:lang="en">Siti Syuhada</dc:creator>
	<dc:creator xml:lang="en">Siti Rauda</dc:creator>
	<dc:creator xml:lang="en">Zubaidah</dc:creator>
	<dc:subject xml:lang="en">MSMEs</dc:subject>
	<dc:subject xml:lang="en">People’s Business Credit</dc:subject>
	<dc:subject xml:lang="en">Digitalization</dc:subject>
	<dc:description xml:lang="en">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.
&amp;nbsp;</dc:description>
	<dc:publisher xml:lang="en">Fakultas Keguruan dan Ilmu Pendidikan Universitas Jambi</dc:publisher>
	<dc:date>2025-12-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JEec/article/view/45163</dc:identifier>
	<dc:identifier>10.22437/jeec.v4i2.45163</dc:identifier>
	<dc:source xml:lang="en">Journal of Economic Education; Vol. 4 No. 2 (2025): Desember; 136-147</dc:source>
	<dc:source xml:lang="id">Jurnal Pendidikan Ekonomi; Vol 4 No 2 (2025): Desember; 136-147</dc:source>
	<dc:source>2964-559X</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JEec/article/view/45163/23042</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Journal of Economic Education</dc:rights>
</oai_dc:dc>