Microeconomic Transformation in the Digital Age: Unraveling the Footprint of MSME Digitalization and its Impact on Income Security
DOI:
https://doi.org/10.59651/tambun.v1i1.289Keywords:
Digital transformation, MSMEs, income resilience, microeconomy, digitalizationAbstract
Digital transformation has become the main catalyst for microeconomic change, especially in Micro, Small, and Medium Enterprises (MSMEs) which are the backbone of the national economy. This research aims to unravel the traces of MSME digitalization and its impact on the income resilience of business actors in the digital era. The research method used was a quantitative survey with a cross-sectional approach on 150 MSMEs in the Greater Jakarta area. The data analysis uses multiple linear regression to test the relationship between digitalization and revenue resilience. The results of the study show that the digitalization of MSMEs significantly increases income resilience, especially through the use of social media, marketplaces, and digital payment services. These findings provide strategic implications for policymakers and MSME actors in accelerating digitalization to strengthen economic resilience in times of crisis.
References
Aribawa, D. (2016). The Influence of Financial Literacy on the Performance and Sustainability of SMEs in Indonesia. International Journal of Management and Applied Science, 2(3), 45–50.
Bank Indonesia. (2023). Laporan Tahunan UMKM Digital 2023. Jakarta: Departemen Pengembangan UMKM BI.
Brynjolfsson, E., & McAfee, A. (2014). The Second Machine Age: Work, Progress, and Prosperity in a Time of Brilliant Technologies. W.W. Norton & Company. (Rujukan konseptual global).
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2019). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). Sage Publications. (Rujukan metodologi – Internasional)
Hasan, I., & Chyi, Y. L. (2017). The Role of Digital Payments in Financial Inclusion and Business Performance of Microenterprises. Journal of Financial Economic Policy, 9(3), 263–280. https://doi.org/10.1108/JFEP-11-2016-0073.
Kementerian Koperasi dan UKM RI. (2023). Statistik UMKM dan Transformasi Digital. Jakarta: Kemenkop UKM.
Nugroho, A. S., Mulyani, N., & Suharyono, E. (2021). Pengaruh Media Sosial terhadap Daya Saing UMKM di Era Digital. Jurnal Ilmu Ekonomi Digital, 5(2), 77–89. https://doi.org/10.21009/jied.052.08.
Raharjo, K., & Putra, A. R. (2020). Digitalisasi UMKM: Solusi Strategis Ketahanan Ekonomi Nasional. Jurnal Ekonomi dan Kebijakan Publik, 11(2), 99–112. https://doi.org/10.24815/jekp.v11i2.18745.
Setiawan, R., & Hidayat, D. (2022). Strategi Branding Digital UMKM melalui Media Sosial di Era Pandemi. Jurnal Komunikasi Ikatan Sarjana Komunikasi Indonesia, 7(1), 63–72. https://doi.org/10.25008/jkiski.v7i1.456.
Suharto, Y., & Lestari, D. (2021). Inklusi Digital UMKM dan Ketahanan Ekonomi Daerah: Studi Empiris pada Provinsi Jawa Tengah. Jurnal Ilmu Ekonomi Terapan, 6(3), 223–236. https://doi.org/10.23917/jiet.v6i3.15599.
Suryani, A., & Widodo, W. (2022). Marketplace Adoption and Microenterprise Revenue Stability: A Quantitative Analysis. Jurnal Manajemen Strategik dan Bisnis, 6(1), 22–34. (SINTA 2)
Susanti, W., & Prasetyo, A. D. (2020). Analisis Penggunaan Marketplace terhadap Pendapatan UMKM di Masa Pandemi. Jurnal Ekonomi dan Bisnis Indonesia, 35(2), 180–193. https://doi.org/10.22146/jkeb.v35i2.12345.
Syah, R., & Dewi, I. (2022). Peran Pembayaran Digital dalam Meningkatkan Pendapatan UMKM: Studi Kasus di Indonesia. Jurnal Keuangan dan Perbankan, 26(1), 50–64. https://doi.org/10.26905/jkdp.v26i1.7653.
Tambunan, T. (2019). The Impact of E-commerce on Micro, Small and Medium Enterprises in Indonesia. Development Research of Micro and Small Enterprises in Indonesia, 15(2), 117–130.
Yusof, M. A., & Zainuddin, N. M. (2020). Determinants of E-Payment Adoption among Small Businesses in Malaysia. International Journal of Economics and Management, 14(1), 135–150.
