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.
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.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.