ACCELERATING MSME GROWTH: BANK BRI'S ROLE THROUGH THE LINKUMKM PLATFORM

Erina Sovania

doi:10.30998/jabe.v11i3.25161

ACCELERATING MSME GROWTH: BANK BRI'S ROLE THROUGH THE LINKUMKM PLATFORM

Erina Sovania^(1*)

(1) IKPIA Perbanas
(*) Corresponding Author

Abstract

In Indonesia, Micro, Small, and Medium Enterprises (MSMEs) are vital to the nation's economy, significantly contributing to GDP, employment, and social stability. Despite their importance, MSMEs often face challenges such as limited access to digital tools and financial resources. In response to these barriers, Bank Rakyat Indonesia (BRI) launched the LINKUMKM application, a digital platform to empower MSMEs through enhanced e-commerce capabilities, financial services, and digital literacy training. This study aims to investigate the impact of LINKUMKM on MSMEs, particularly in improving business operations, expanding market reach, and enhancing financial management.

The study is motivated by the need to understand how digital platforms like LINKUMKM can bridge the digital divide and support the growth of MSMEs in an increasingly competitive market. A qualitative research design was employed, utilizing interviews and data analysis to gather insights from MSMEs using the LINKUMKM application. The findings reveal that MSMEs leveraging LINKUMKM have experienced notable improvements in sales, operational efficiency, and overall business performance. The platform assists MSMEs in digital adoption, from setting up online stores to integrating payment systems and accessing fintech solutions, fostering a more robust digital presence.

Practically, LINKUMKM addresses the digital literacy gap by providing customized training programs that enhance the technical skills and confidence of MSME owners and employees in using digital tools for business expansion. The study highlights the critical role of digital interventions like LINKUMKM in empowering small businesses, enabling them to compete more effectively in the global market. The research contributes valuable insights into the potential of digital platforms to support MSME development and offers recommendations for further policy enhancements and research in this area

Keywords

Digital Transformation, E-Commerce, Financial Inclusion, MSMEs, Technological Literacy

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DOI: http://dx.doi.org/10.30998/jabe.v11i3.25161