Model Kolaborasi Enabler untuk Meningkatkan Daya Saing UMKM melalui Digitalisasi

Bisma Widyawan, Achmad Barlian, Joni Haryanto

Abstract


Digital transformation is critical to the sustainability and competitiveness of MSMEs in Indonesia. This study aims to evaluate the collaborative role of enablers—namely government agencies, technology providers, financial institutions, and business advisory services—in supporting the digital transformation of MSMEs. This research employs a narrative literature review method, utilizing academic and policy sources selected based on their relevance and contribution to the development of the enabler collaboration conceptual framework. The results show that collaboration among enablers can improve digital literacy and technology adoption, which in turn enhances the competitiveness of MSMEs. However, several obstacles remain, such as limited access to technology in remote areas, regulations that are not fully supportive, and the high costs of technology implementation. The novelty of this research lies in its integrative model that maps the collective synergy of these enablers, offering new insights for stakeholders in designing more effective and integrated strategies to support MSME digitalization. To ensure the sustainability of MSME digital transformation, collaboration among enablers must be strengthened through a more adaptive approach tailored to the specific needs of MSMEs across various sectors.


Transformasi digital sangat penting bagi keberlanjutan dan daya saing UMKM di Indonesia. Penelitian ini bertujuan untuk mengevaluasi peran kolaboratif para enabler, yaitu lembaga pemerintah, penyedia teknologi, lembaga keuangan, dan layanan konsultasi bisnis dalam mendukung transformasi digital UMKM. Penelitian ini menggunakan metode narrative literature review, dimana literatur yang digunakan merupakan sumber akademis dan kebijakan yang dipilih berdasarkan relevansi dan kontribusinya terhadap pembentukan kerangka konseptual kolaborasi enabler. Hasil penelitian menunjukkan bahwa kolaborasi di antara para enabler dapat meningkatkan literasi digital dan adopsi teknologi, yang pada akhirnya dapat meningkatkan daya saing UMKM. Meskipun demikian, masih terdapat kendala yang perlu diatasi, seperti keterbatasan akses terhadap teknologi di daerah terpencil, regulasi yang belum sepenuhnya mendukung, serta biaya implementasi teknologi yang tinggi. Kebaruan penelitian ini terletak pada model integratif yang memetakan sinergi para enabler ini secara kolektif, sehingga hasil penelitian ini dapat memberikan wawasan baru bagi para pemangku kepentingan dalam merancang strategi yang lebih efektif dan terintegrasi dalam mendukung digitalisasi UMKM. Untuk memastikan keberlanjutan transformasi digital UMKM, kolaborasi antar-enabler perlu diperkuat dengan pendekatan yang lebih adaptif dan berbasis kebutuhan spesifik UMKM di berbagai sektor.


 


Keywords


Transformasi digital; Enabler; Daya saing UMKM; Adopsi Digital; Kolaborasi

Full Text:

PDF

References


al Pengabdian Kepada Masyarakat Nusantara, 4(3), 1198–1206.

Ghofar, A. L., Putra, R. N. P., & Hamidah, S. N. (2022). Implementation of gateway technology (go-pay) in increasing transaction efficiency in MSMEs dapur restu. Journal of Information Systems, Digitization and Business, 1(1), 8–14.

Indriyani, I., Wiranata, I. P. B., & Hiu, S. (2024). Strategi peningkatan efisiensi operasional UMKM di era digital: Pendekatan kualitatif dengan business intelligence dalam implementasi e-commerce. Journal of Informatics, 9(1), 23–32.

Ismamudi, I., Hartati, N., & Sakum. (2023). Peran bank dan lembaga keuangan dalam pengembangan ekonomi: Tinjauan literatur. Jurnal Akuntansi Neraca, 1(2), 35–44.

Kadin. (2023). UMKM Indonesia.

Kala’lembang, A. (2020). Adopsi E-Commerce Dalam Mendukung Perkembangan Usaha Mikro Kecil Dan Menengah (UMKM) Di Masa Pandemi Covid-19. Jurnal Ekonomi Dan Manajemen, 4(1), 54–65.

Karnati, S., & Sheikh, N. (2021). Cashless Economy: Epitomizing the Role of Various Institutions in Promoting Digital Literac. International Journal of Innovative Research in Engineering & Multidisciplinary Physical Sciences, 9.

Kartani, Hayat, & Suyeno. (2024). Analysis of government policy on the development and empowerment of MSMEs through the lens of latest literature. Jurnal Inovasi Ilmu Sosial Dan Politik (JISoP), 6(1), 18–27. https://doi.org/10.33474/jisop.v6i1.21340

Kementerian Koperasi dan UKM. (2021). Laporan kinerja kementerian koperasi dan UKM tahun 2020.

Kurniawati, P. N. A., Gede, S. D., Mahyuni, L. P., & Sanica, I. G. (2021). Community perception of using qr code payment in era new normal. Journal of Archaeology of Egypt / Egyptology, 18(1), 3986–3999.

Laucereno, S. F. (2023). Makin melek digital, pedagang pengguna QRIS tembus 25,4 juta. DetikFinance. https://finance.detik.com/moneter/d-6713383/makin-melek-digital-pedagang-pengguna-qris-tembus-25-4-juta

Lestari, D. , D. C., Darma, & Muliadi, M. (2020). Fintech and micro, small and medium enterprises development: Special reference to Indonesia. Entrepreneurship Review, 1(1), 1–9.

Maharani, M., & Nisa, F. L. (2024). Revitalisasi ekonomi kreatif di Indonesia melalui penguatan sektor pariwisata. Jurnal Ekonomi Manajemen Dan Sosial, 7(2), 53–66.

Marpaung, M., Sugianto, & Yolanda, U. (2021). Model quadruple helix dalam pengembangan umkm (Studi kasus pada industri pisang sale kutacane kab. Aceh Tenggara). Jurnal Ilmiah Ekonomi Islam, 7(2), 891–899.

Musyaffi, A. M., Baxtishodovich, B. S., Johari, R. J., Wolor, C. W., Afriadi, B., & Muna, A. (2024). Can financial advantages and digital payments adoption provide effective solutions to improve SMEs’ performance? Montenegrin Journal of Economics, 20(2), 75–89.

Nadya, R., Syadzwina, D., Saragih, L. S., & Putriku, A. E. (2024). Analisis strategi pemasaran shopee Nronlineshop_ untuk mengembangkan bisnis ke pasar internasional. Jurnal Penelitian Ekonomi Manajemen Dan Bisnis, 3(3), 1–10.

Ningsih, T. W., Tulasi, D., & Masela, M. Y. (2023). Investigasi qualitative : Menggali tantangan yang dihadapi ukm indonesia dalam mengakses layanan keuangan. Sanskara Akuntansi Dan Keuangan, 1(3), 120–130. https://doi.org/10.58812/sak.v1.i03

Nirmala, B. P. W., & Lavianto, S. (2019). Pemanfaatan digital enabler dalam transformasi pemasaran desa wisata berbasis kerakyatan di Bali. Jurnal Teknologi Informasi Dan Komputer, 5(1).

OECD. (2021). The digital transformation of SMEs. OECD Studies on SMEs and Entrepreneurship. OECD Publishing.

Ompusunggu, D. P., & Elisa, M. (2023). Pendampingan peningkatan kemampuan manajemen keuangan di toko plastik silvanoor. Jurnal Ekonomi, Bisnis Dan Manajemen, 2(2), 55–65.

Paradizsa, I., & Rahayu, E. (2022). Potential and challenges for private sector to lead warung digitalization in Indonesia. Journal of Society and Empowerment, 2(1), 35–48.

Prabowo, D. A., Tariazela, C., & Birgithri, A. (2024). An examination of the impact of using marketplaces to promote the growth of micro, small, and medium enterprises (MSMEs) in Indonesia. Startupreneur Business Digital Journal, 3(1), 26–33.

Prawirasasra, K. P. (2018). Financial technology in Indonesia: Disruptive or collaborative. Reports on Economics and Finance, 4(2), 83–90.

Putri, A. U., Mirani, D., & Khairunnisyah, T. (2024). Transformasi digital, inovasi, kinerja, kebijakan sebagai upaya ketahanan UKM : Analisis bibliometrik. Jurnal Pemerintahan Dan Politik, 9(1), 35–43.

Rauf, R., Syam, A., & Randy, Muh. F. (2024). Optimalisasi transformasi digital dalam mendorong pertumbuhan usaha mikro, kecil dan menengah Di Indonesia. Bongaya Journal of Research in Management, 7(1), 95–102.

Reswari, T. R. W. (2023). Collaborative governance in integrated MSMe management. Journal Of Social Sciences And Humanities, 1(13).

Rifqi, M., Ubaidillah, S. Al, Shalah, M. J. F., & Yasin, M. (2024). Umkm dan e-commerce pada teknologi. Jurnal Riset Dan Publikasi Ilmu Ekonomi, 2(5), 7–11.

Rozikin, M., Sulistyo, A. B., Saleh, C., Hermawan, & Riyadi, B. S. (2023). The collaborative governance in digital infrastructure development in Indonesia: A public policy perspective. International Journal of Membrane Science and Technology.

Rusliana, N. (2023). Micro, Small, and Medium Enterprises (SMEs) Accessibility and Its Impact on Performance in Indonesia. Saudi Journal of Business and Management Studies, 8(1), 46–54.

Saputri, S. A., Berliana, I., & Nasrida, M. F. (2023). Peran marketplace dalam meningkatkan daya saing UMKM di Indonesia. Jurnal Inovasi Hasil Penelitian Dan Pengembanga, 3(1), 69–75.

Sari, A. C., & Adinugraha, H. H. (2022). Implementation of QRIS-based payments towards the digitalization of Indonesian MSMEs. Journal of Economic Studies, 5(2), 124–139. https://doi.org/10.30983/es.v5i2.5027

Situmorang, S. H. (2022). The challenges of fintech inclusion and digitization of SMEs in Indonesia. FinTech Development for Financial Inclusiveness, 118–134.

Sufa, S. A., Rachmanto, T. 3, 4, Adistie, G. R., Anwar, K., & Setyawan, D. (2024). Digital literacy for MSME actors of Sidoarjo food and beverage association (ASMAMINDA). Journal of Community Service and Society Empowerment, 2(3), 346–364.

Supartoyo, Y. H. (2022). Literasi digital mendukung daya saing dan transformasi digital menuju era society 5.0. Jurnal Abdimas Adpi Sosial Dan Humaniora, 3(3), 387–391.

Susilowati, E., Permadi, A., Hariyanti, S., Munir, , M., & Wahyudi. (2023). Analysis of the implementation of digitalization of financial statements in micro, small, and medium enterprises. Open Access Indonesia Journal of Social Sciences, 6(4), 1048–1054.

Sutrisno, S. (2023). The role of business mentors in assisting the growth of education-supported MSMEs. Indo-MathEdu Intellectuals Journal, 4(2), 332–346.

Sutrisno, S., Permana, R. M., & Junaidi, A. (2023). Education and training as a means of developing MSME expertise. Journal of Contemporary Administration and Management, 1(3), 137–143.

Syarifuddin, S., Muin, R., & Akramunnas, A. (2021). The potential of sharia fintech in increasing micro small and medium enterprises (MSMES) in the digital era in Indonesia. Jurnal Hukum Ekonomi Syariah, 4(1), 23–36.

Tayibnapis, A. Z., Wuryaningsih, L. E., & Gora, R. (2021). The impact of e-commerce adoption on SMEs performance in Indonesia. International Journal of Data and Network Science, 5(1), 37–44.

Umami, I., Pee, A. N. B. C., Sulaiman, H. A. Bin, & Hariyanto, F. S. M. (2023). A literature review of MSME success: Acceptance and use of technology, financial access, and strategic cooperation. Multidisciplinary Reviews, 6.

Wati, R. and . ", Ana, D., Čaplánová, A., & Darmo, Ľ. (2024). Identification of digital divide across indonesian provinces: The analysis of key factors. Statistics & Economy Journal, 104(2).

Widyastuti, Nugroho, A., & Firmansyah, A. (2023). Digital payment adoption and its impact on SMEs’ financial performance in Indonesia. Journal of Innovation and Entrepreneurship, 12(1), 1–15.

World Bank. (2021). Indonesia digital economy report 2020: Enabling factors for digital transformation of SMEs.

Yolanda, S., Shaddiq, S., Faisal, H., & Kurnianti, I. (2023). Peran manajemen keuangan digital dalam pengelolaan keuangan pada umkm di banjarmasin. Indonesian Red Crescent Humanitarian Journal, 2(1), 23–32.

Yuliati, T., & Handayani, T. (2021). Pendampingan penggunaan aplikasi digital QRIS sebagai alat pembayaran pada umkm. Communnity Development Journal, 2(3), 811–816.




DOI: https://doi.org/10.37058/wlfr.v6i1.14586

Refbacks

  • There are currently no refbacks.


Copyright (c) 2025 WELFARE Jurnal Ilmu Ekonomi

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.