Inklusi Keuangan dan Transformasi Digital sebagai Upaya Pendorong Sustainability UMKM Kota Tasikmalaya

Abstract

Micro, Small and Medium Enterprises (MSMEs) drive the Indonesian economy. MSMEs in Indonesia are one of the main activities, because they are a fairly large provider of employment opportunities. The Covid-19 pandemic has almost destroyed MSMEs nationally and internationally and most MSMEs cannot run their businesses due to social restrictions. The sustainability of MSME players who sell online is stronger than the ability of MSME players offline. Utilization and understanding of digital technology will encourage increased access to financial services that will reach remote areas, low-income communities and MSMEs. After the Covid-19 Pandemic, MSMEs are slowly starting to revive and maintain their business. MSME players are starting to adapt to market conditions and are starting to become aware of technology. Increasing MSME actors with digital transformation is one of the foundations for optimizing the potential of Indonesia's digital economy and increasing financial inclusion for MSMEs so that they are well managed. The research method uses quantitative data with the SEM PLS model for the population of MSME business actors in Tasikmalaya City with a sample of 384 according to the Slovin formula calculation. The research results show that financial inclusion and digital transformation have a significant impact on the sustainability of MSMEs.

Keywords

• financial inclusion
• digital tranaformation
• sustainability
• tasikmalaya city msme’s