Suryanto, Suryanto and Abdul Muhyi, Herwan and Sukaesih Kurniati, Poni (2022) PENGGUNAAN DIGITAL PAYMENT PADA USAHA MIKRO, KECIL, DAN MENENGAH. AdBispreneur : Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 7 (1). ISSN 25499912

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This study aims to analyze the transformation of micro, small and medium enterprise (MSMEs) financing in Indonesia. This research is motivated by the phenomenon of MSMEs, which often face problems in financing. However, on the other hand, financial institutions find it difficult to find a database of MSMEs to channel their loans. This study uses a descriptive method with a qualitative approach. Sources of data were obtained from various sources, both primary and secondary. Primary data is obtained from statements made by informants from the Financial Services Authority, the Association of Indonesian Crowdfunding Services, crowdfunding players, and MSMEs that have taken advantage of crowdfunding. Meanwhile, secondary data were obtained from several published articles. The results show that the government has helped provide a source of financing for MSMEs, both through banking and non-banking. However, there were several obstacles that occurred in the field, both from MSMEs and financial institutions. The presence of securities crowdfunding instruments raises new hopes for MSMEs in fulfilling financing. In addition to an easy submission procedure, access can also be done via a digital platform.

Item Type: Article
Subjects: Jurnal Online
Divisions: Universitas Komputer Indonesia
Depositing User: Yudha Taufik Nugraha
Date Deposited: 20 Dec 2022 03:37
Last Modified: 20 Dec 2022 03:37

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