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

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

DOI
10.22437/jeec.v4i2.45163
ISSN
2964-559X
Published
2025-12-31
Publisher
Fakultas Keguruan dan Ilmu Pendidikan Universitas Jambi
Language
en

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.

Keywords

Collaboration network of the authors

35 authors · 91 co-authorship links

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Co-authorOrganisationJoint articles
Mayasari MayasariAffiliation unknown2
Syamsurijal TanAffiliation unknown2
Khairinal KhairinalAffiliation unknown1
Muazza MuazzaAffiliation unknown1
Tenri SauAffiliation unknown1
Ekawarna EkawarnaAffiliation unknown1
Hardiani HardianiAffiliation unknown1
Aulia TasmanAffiliation unknown1
Silvi OktavianiAffiliation unknown1
Kesih MerdiyantiAffiliation unknown1
Nazwa SalsabillaAffiliation unknown1
ImeliaAffiliation unknown1
Sitti RahmaAffiliation unknown1
Yuda ApriyantoAffiliation unknown1
Sugeng TrirahmadiAffiliation unknown1
Agnes Monica AprilyaAffiliation unknown1
SRI WAHYUNIAffiliation unknown1
Sudawan SupriadiAffiliation unknown1
Ridwan SantosoAffiliation unknown1
Agustin Wela SasihAffiliation unknown1
Azhi Ridho Al QowiAffiliation unknown1
Aulia SanovaAffiliation unknown1
Nova SusantiAffiliation unknown1
Alrizal AlrizalAffiliation unknown1
Muswita MuswitaAffiliation unknown1
Tiara SandariAffiliation unknown1
Fauzan AzhimaAffiliation unknown1
MiftahurrahmatAffiliation unknown1
Ratna ZaidahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JEec/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<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>