Studi Empiris Inklusi Keuangan dan Digitalisasi UMKM Pertanian di Kabupaten Jember

Authors

  • Muhammad Hairulla Universitas Jember
  • Adhitya Wardhono Universitas Jember
  • M. Abd Nasir Universitas Jember

Keywords:

MSME, Financial Inclussion, Survey, SWOT, Digitalization

Abstract

MSMEs are divided into two major groups, namely agriculture and non-agriculture which play a major role in encouraging economic growth through employment, foreign reserve accumulation, and poverty alleviation. Egalitarian, financial inclusion, and digitization of MSMEs have important roles in economic growth, and output productivity, and amongst them is through easy access to capital and MSME financial services barriers elimination. This study aims to determine the condition of financial inclusion and digitization of agricultural MSMEs in the Jember Regency. Empirically this study uses primary data through survey in 2022. The methods used in this study are descriptive narrative analysis methods and SWOT analysis. In fact, agricultural MSME actors in Jember Regency are slightly more aware of banking products, and the level of financial inclusion of agricultural MSME actors is at the intermediate level. The results of the SWOT analysis show that the strategic position of agricultural MSMEs digitalization in Jember Regency is in quadrant I or aggressive. 

Downloads

Published

2023-03-01