Empowering SMEs is one of the national priorities in "Making Indonesia 4.0". One way to empower SMEs towards Indonesia 4.0 is by developing an e-commerce platform for SMEs or SMEs e-commerce. Despite the large potential of SMEs in Indonesia, there are still very few of those utilizing e-commerce. Especially in the current era of globalization, SMEs need to keep up with technology to be able to compete with other businesses. Establishing SMEs' e-commerce is not easy, given that the SMEs' characteristics are different from other businesses. Therefore, several things need to be considered in developing SMEs' e-commerce. Using a qualitative descriptive analysis approach, those to be accounted as consideration include clear legal protection, reliable workforce, adequate infrastructure, banking support, and government support. It is expected that by considering the number of important points, SMEs' e-commerce will be increasingly formed so that Indonesia 4.0 can be achieved.
One of the main problems faced by Small and Medium Enterprises (SMEs) is the problem of marketing. However in the current era of the Industrial Revolution 4.0, marketing should not be a problem anymore. SMEs can utilize the internet to solve their marketing problem. This paper aims to describe how to utilize the internet as medium for marketing SMEs products. This paper is descriptive by using a qualitative approach. The results of the study reveal that the internet can open access for SMEs to marketing their product at a low cost and reach a wide market. First, SMEs can create a website about their business and products through website creation service providers. Second, SMEs can also use social media as their marketing channel. SMEs can utilize then business platform in social media such as Facebook fo Business, Google My Business, and Instagram for Business as marketing media. Third, SMEs can utilize e-commerce, which has rapidly increased in Indonesia. There are several forms of e-commerce in Indonesia, such as classified ads, retailers, and marketplace websites. All these marketing media will greatly help the SMEs in the marketing process because they are connected to a wide range of market by the internet and are not limited to space.
Bank Syariah Indonesia (BSI) was officially merged on February 1, 2021. After the BSI merger, management have to face various challenges both internal and external to the company. This research is a descriptive study with qualitative methods and uses secondary data from various literatures. This study aims to examine the challenges of post-merger BSI both internal and external to the company. Several challenges must be faced by the company from the internal side, such as: differences in work culture, integration of systems, products, and services, as well as organizational restructuring. Meanwhile, the challenges from the external side of the company are: low literacy, inclusion and market share of sharia banking, different characteristics of customers from the three legacy banks that require good communication from BSI's human resources, demands to produce competitive and innovative products and improve performance.
The Covid-19 pandemic has significantly impacted the decline in economic sectors, including the SME sector. Based on research conducted by OJK, the COVID-19 pandemic has had an impact on decreasing sales turnover for more than 80 percent of SMEs. Another study even stated that as many as 58% of SMEs close their businesses temporarily. This condition encourages the government to create various programs to support the sustainability of SME businesses. One of the programs is the Super Micro Credit program, which purposes to strengthen SME business capital. This article aims to see how they use Super Micro Credit funds and how it affects SMEs. The research method used is a quantitative approach using the index impact factors. The results showed that SMEs had utilized the use of funds from the Super Micro Credit program to increase capital (42%) and 37% of other needs related to business. However, 21% of SMEs use these funds for different conditions unrelated to business. Furthermore, the Super Micro Credit program positively impacts SMEs with an index score of 0.65. Meanwhile, partially Super Micro Credit has a positive influence in maintaining business continuity (index score 0.67), maintaining sales (index score 0.68) and employees (index score 0.58), conducting business development (index score 0.70), even to make a new attempt (0.60). This Super Micro Credit Program needs to be continued in the coming years so that the national economy can continue to run.
Efforts to understand disparities in growth achievements among the regions are still being made. The concentration no longer lies in the physical capital, human capital, and population growth, yet it lies in how productivity is affected by institutions and social infrastructures. This study was aimed at investigating the influence of institutions, governance, regulations, and corruption on the income growth and speed of convergence. The estimation methods that we employed were cross-section, static panel, and static-dynamic on 491 data of regencies/cities in Indonesia from 2009 to 2015. This study has indicated that regional government institutions as entities that legally monopolize power in the constitutional system may encourage or distort the growth and speed of convergence, besides physical, human and population growth capitals. Institutions' capability of encouraging or reducing depends on fiscal policies, governance effectiveness (politicians and bureaucrats), the quality of regional regulations produced, and efforts made to eradicate corruption practices. Improper relations and interactions may breed a social conflict and inefficiency resulting in a weak system of incentives in the society and the productivity article.
Setelah memasuki kuartal ketiga tahun kedua (2021), pandemi Covid-19 diperkirakan banyak ahli dan pengamat belum akan segera berlalu, malahan beberapa mengatakan dunia harus bersiap diri dengan keadaan “new normal”, hidup berdampingan dengan virus corona, seperti halnya dengan virus influenza. Pola hidup sehari-hari manusia yang harus menyesuaikan agar tidak terpapar dengan virus penyebab penyakit tersebut dan tetap sehat serta produktif. Pemerintah Indonesia secara sungguh-sungguh berusaha mengatasi pandemi Covid-19 dan dampaknya. Upaya untuk membatasi penyebaran dan menangani warga yang terpapar virus ini dilakukan secara masif, antara lain melalui penyadaran masyarakat tentang prosedur kesehatan, penerapan kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM), dan program vaksinasi. Untuk mengatasi dampak sosial ekonomi dilakukan berbagai upaya, di antarnya adalah penyaluran bantuan modal kepada pelaku bisnis termasuk UMKM, dan penyaluran bantuan sosial tunai dan pangan kepada para pekerja yang mengalami pemutusan hubungan kerja, pekerja di sektor informal, dan kelompok rumah tangga berpendapatan rendah. Upaya pemerintah ini tampak menunjukkan hasil. Di tengah beberapa kali terjadi grafik kenaikan yang tajam jumlah yang terpapar dan kematian akibat Covid-19, perekonomian Indonesia dapat dicegah untuk tidak menurun lebih dalam lagi, malah mulai menunjukkan pemulihan. Data makroekonomi dari BPS memperlihatkan hal tersebut. Ekonomi Indonesia pada triwulan 2 - 2021 dibandingkan dengan kinerja tahun sebelumnya (y-o-y) tumbuh 7,07 persen, demikian juga untuk Semester I-2021 dibandingkan dengan Semester I-2020 ekonomi nasional tumbuh 3,10 persen. Tingkat pengangguran pada bulan Februari 2021 (masa pandemi) sebesar 6,26 persen jauh lebih tinggi jika dibandingkan dengan angka pengangguran Februari 2020 (di awal pandemi) sebesar 4,94 persen, namun bila dibandingkan dengan angka pengangguran Agustus 2020 sebesar 7,07 persen, tingkat pengangguran tersebut sudah lebih baik. Angka kemiskinan juga menunjukkan tren membaik, walau lamban. Persentase penduduk miskin bulan September 2019 sebesar 9,22 persen (sebelum pandemi Covid-19), satu tahun berikutnya meningkat menjadi 10.19 persen (September 2020). Pada bulan Maret 2021 persentase penduduk miskin sudah mulai menurun walaupun sangat kecil, yaitu menjadi 10,14 persen. Momentum membaiknya perekonomian nasional ini oleh semua pihak (pemerintah, swasta, dan masyarakat) perlu dipertahankan bahkan ditingkatkan. Buku Bunga Rampai “Telisik Daya Tahan Usaha dan Masyarakat di Tengah Pandemi Covid-19” memberikan informasi mengenai dampak pandemi Covid-19 pada tahun 2020, dalam ukuran kinerja makroekonomi, upaya mitigasi dampak oleh pemerintah khususnya untuk UMKM dan penduduk berpendapatan rendah, serta dampaknya pada industri penerbangan dan daya saing daerah. Peluang mengatasi sebagian dampak pandemi terhadap aspek ekonomi juga dibahas dengan ketersediaan teknologi digital khususnya E-commerce. Perlu diakui bahwa semua pembahasan di atas, hanya merupakan sebagian kecil saja dari fenomena pandemi Covid-19 dan dampaknya. Namun demikian, paling tidak setelah para pembaca menyimak buku ini diharapkan mendapat gambaran bahwa pandemi itu nyata, dampaknya terasa dalam berbagai aspek kehidupan khususnya di beberapa bidang ekonomi, dan selalu muncul peluang untuk mengatasinya sehingga sebagai bangsa dapat keluar dari pandemi ini dalam kondisi yang lebih baik. Mudah-mudahan buku bunga rampai ini dapat turut membangun rasa optimisme sebagai bangsa untuk bertahan bahkan jadi pemenang dalam mengarungi guncangan dahsyat yang diakibatkan oleh makhluk yang sangat-sangat-sangat kecil yang bermana Severe Acute Respiratory Syndrome Corona Virus 2 (SARS-Cov-2) yang menyebabkan penyakit Coronavirus (Covid-19).
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