Bank Kalbar's Educational Programs for MSME Revitalization and Community Economic Development
DOI:
https://doi.org/10.62872/sjpxb984Keywords:
Government collaboration, digital business growth, education-based training, MSMEAbstract
Micro, Small, and Medium Enterprises (MSMEs) are crucial to Indonesia's economy, contributing approximately 60.5% to the Gross Domestic Product (GDP) and employing about 96.9% of the national workforce. Despite the large number of MSMEs and their potential GDP contribution, there is still room for improvement in exports. The government has taken various measures to support MSME development, including policies that encourage digital business growth and education-based training for MSMEs. In West Kalimantan Province (Kalbar), MSMEs play a vital role in regional economic development. Despite their potential, they face several challenges such as access to capital, financial management, and market access. The regional government and the Bank of West Kalimantan have collaborated to revitalize MSMEs post-COVID-19 through various programs, credit schemes, and educational initiatives or training sessions. This study employs both qualitative and quantitative methods with a case study approach. The research results indicate that MSMEs significantly contribute to West Kalimantan's economic development, despite being impacted by the pandemic. The internal and external revitalization strategies implemented by Bank Kalbar have assisted MSMEs in recovery and adapting to digital-based business models. The study concludes that MSMEs in West Kalimantan have the potential to continue growing and thriving as independent economic entities in a digital-based business environment. The revitalization of MSMEs is a result of collaboration between MSME actors, the government, and banking institutions to achieve regional economic stability and recovery.
References
Abidin, Djainal. 2009. “Modal Sosial dan Dinamika Usaha Mikro Kecil”. Jurnal Sosiologi Masyarakat, Vol. 15, No. 1, Januari.
Albar, Berri Brilliant, Ares Albirru Amsal, dan Yulia Hendri Yeni. 2021. “Transformasi Digital Umkm: Studi Eksploratif Penguatan Bisnis UMKM
Baumol, William J., Robert E. Litan, dan Carl J. Schramm. 2007. Good Capitalism, Bad Capitalism, and The Economics of Growth and Prosperity. New Haven: Yale University Press
Blaxter, Loraine dkk., How to Research, Jakarta: Indeks, 2006.
Bogdan, Robert dan Steven J. Tailor. 1992. Pengantar Metode Penelitian Kualitatif: Suatu Pendekatan Fenomenologis terhadap Ilmu-ilmu Sosial (terjemahan). Surabaya: Bina Ilmu.
Bourdieu, Pierre. 1997. Outline of A Theory of Practice (Translated By Richard Nice). Cambridge: Cambridge University Press.
Budiman, Jumardi dan Herkulana. 2021. “Peran UMKM dalam Penyerapan Tenaga Kerja di Kota Pontianak”. Jurnal Ekonomi Integra, Vol. 11, No. 2, Juni.
Creswell, John W. 2012. Research Design: Pendekatan Kualitatif, Kuantitatif, dan Mixed (terjemahan). Jogjakarta: Pustaka Pelajar.
Darmajanti, Linda, Indra Ratna Irawati Pattinasarany, dan Lidya Triana. 2009. “Komunikasi yang Efektif dan Pemberdayaan Usaha Kecil”. Jurnal Sosiologi Masyarakat, Vol. 15, No. 1, Januari.
de Soto, Hernando. 1992. Masih Ada Jalan Lain: Revolusi Tersembunyi di Negara Dunia Ketiga (terjemahan). Jakarta: Yayasan Obor Indonesia.
Denzin, Norman K. dan Yvonna S. Lincoln (ed.). 1994. Handbook of Qualitative Research. London: Sage Publications.
Edi, Ragil Yoga dan Erwin. 2021. “Dukungan Pemerintah terhadap Pengembangan Kewirausahaan di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Ghauri, Shahid, dan Tim M. Geoffrey N. Soutar. 2023. “Networking Benefits for SME Members of Co-operatives”. Journal of Co-operative Organization and Management, No. 11.
Harisson, Lisa. 2007. Metodologi Penelitian Politik. Jakarta: Kencana.
Haryanto, Deddy dan Eddy Kiswanto. 2003. “Dampak Kebijakan APBN pada Perkembangan Usaha Kecil”. Jurnal Analisis Sosial, Vol. 8, No. 1.
Heufers, Rainer, dkk. 2008. Usaha Kecil dan Menengah di Jerman. Jakarta: Friederich-Newmann-Stieftung fur die Freiheit, Indonesia.
Ilyas, Rahmat dan Rudi Hartono. 2023. UMKM dan Pertumbuhan Ekonomi. Bangka Belitung: Shiddiq Press.
Inayah, Ika. 2021. “Urgensi Keterampilan dan Pengetahuan bagi Pengembangan Kewirausahaan UMKM di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Iturrioz, Cristina, Cristina Aragón, Lorea Narvaiza. 2015. “How to Foster Shared Innovation within SMEs’ Networks: Social Capital and the Role of Intermediaries”. European Management Journal, No. 33.
Lee, Craig dan Rob Hallak. 2020. “Investigating the Effects Offline and Online Social Capital on Tourism SME Performance: A Mixed-Methods Study of New Zealand Entrepreneurs”. Tourism Management, No. 80.
Mulyaningsih, Yani dan Darwin. 2021. “Catatan Kritis bagi Pengembangan Kewirausahaan UMKM di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Mulyaningsih, Yani dan Eka Nurjati. 2021. “Dukungan Lembaga Non-Pemerintah dalam Pengembangan Kewirausahaan UMKM di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Niode, Idris Yanto. 2009. “Sektor UMKM di Indonesia: Profil, Masalah, dan Strategi Pemberdayaan”. Jurnal Kajian Ekonomi dan Bisnis Oikos- Nomos, Vol. 2, No. 1, Januari 2.
Noka, Isara Abda. 2019. “Efektivitas Pembiayaan Usaha Mikro Kecil Menengah Bank Pembiayaan Rakyat Syari’ah Gayo terhadap Pemberdayaan Ekonomi Masyarakat Aceh Tengah”. Tadabbur: Jurnal Peradaban Islam, Vol. 1, No. 2.
Noor, Ida Ruwaida dan Lugina Setyawati. 2009. “Pemberdayaan UMKM: Catatan Reflektif Hasil Meta Riset”. Jurnal Sosiologi Masyarakat, Vol. 15, No. 1, Januari.
Ozanne, Lucie K., Mesbahuddin Chowdhury, Girish Prayag, dan Diane A. Mollenkopf. 2022. “SMEs Navigating COVID-19: The Influence of Social Capital and Dynamic Capabilities on Organizational Resilience”. Industrial Marketing Management, No. 104.
Paramitha, Devy Indah, dkk. 2022. “Upaya Pengembangan UMKM Berbasis Digital di Provinsi Kalimantan Timur Melalui Kampus UMKM Shopee”. Jurnal Kewarganegaraan, Vol. 6, No. 2, September.
Patton, Michael Quinn. 1990. Qualitative Evaluation and Research Methods. London: Sage Publications.
Pertiwi, Uray Maharani. 2021. “Penerapan Financial Technology dan Peningkatan Literasi Keuangan Untuk Strategi Penguatan Bisnis UMKM di Kalimantan Barat”. Book Chapter.
Pituduh, Imam. 1994. “Kejelasan Kriteria Usaha Kecil sebagai Titik Tolak Pembinaan dan Pengembangan Usaha Kecil”, dalam Djabaruddin Djohan dan Husni Rasjad (ed.), Mencari Bentuk dan Metode Pembinaan dan Pengembangan Usaha Kecil dan Sektor informal. Jakarta: Friedrich Ebert Stiftung.
Putra, Adnan Husada. 2016. “Peran UMKM dalam Pembangunan dan Kesejahteraan Masyarakat Kabupaten Blora”. Jurnal Analisis Sosiologi, No. 5, Volume 2, Oktober.
Saptia, Yeni dan Ragil Yoga Edi. 2021. “Urgensi Inovasi dalam Pengembangan Kewirausahaan di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Satriajati, Salim. 2021. Digitalisasi UMKM: Penggerak Perekonomian Bangsa Saat Pandemi COVID-19. Databoks Competition.
Schumacher, E.F. 1989. Small is Beautiful: Economics is If People Mattered. London: Harper & Row, Publishers.
Septia, Yeni dan Septian Adityawati. 2021. “Peluang dan Tantangan Pasar dalam Kewirausahaan UMKM”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Eksistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Sherman, R and Webb, Qualitative Research in Education: Form and Method. Lewes, UK: Falmer Press, 1988.
Sila, Muhammad Adlin. 2009. “Lembaga Keuangan Mikro dan Pengentasan Kemiskinan”. Jurnal Sosiologi Masyarakat, Vol. 15, No. 1, Januari.
Sofyan, Syaakir. 2017. “Peran Usaha Mikro, Kecil, dan Menengah dalam Perekonomian
Strauss, Anselim dan Juliet Corbin. 1997. Dasar-dasar Penelitian Kualitatif: Prosedur, Teknik, dan Teori Grounded. Surabaya: Bina Ilmu.
Sup Adam, Latif. 2021. “Kewirausahaan Umum di Indonesia”, dalam Yani Mulyaningsih dan Darwin (ed.), Pengembangan Ekosistem Kewirausahaan UMKM di Indonesia. Jakarta: BRIN.
Suparlan, Suwandi. 1994. “Berbagai Permasalahan yang Dihadapi dalam Pembinaan dan Pengembangan Usaha Kecil dan Sektor Informal”, dalam Djabaruddin Djohan dan Husni Rasjad (ed.), Mencari Bentuk dan Metode Pembinaan dan Pengembangan Usaha Kecil dan Sektor informal. Jakarta: Friedrich Ebert Stiftung.
Tambunan, Tulus T.H. 2009. UMKM di Indonesia. Jakarta: Ghalia Indonesia. Yin, Robert K. 1993. Applications of Study Case Research. Newbury Park, California: Sage Publications.
Terdampak Covid-19 di Sumatera Barat “. Maqdis: Jurnal Kajian Ekonomi Islam, Vol. 6, No. 1, Januari-Juni.
Wahyuningsih, Endang. 2021. “Digitalisasi Bisnis Sebagai Alternatif Scale Up Strategy UMKM Dan Koperasi Menyongsong Era The Next Normal (Pasca Pandemi Covid-19)”, Book Chapter.
Wuisman, Jan J.J.M. 2013. Teori & Praktik: Memperoleh Kembali Kenyataan supaya Memperoleh Masa Depan. Jakarta: Yayasan Obor Indonesia.
Yunus, Muhammad dan Karl Weber. 2011. Bisnis Sosial: Sistem Kapitalisme Baru yang Memihak Kaum Miskin. (Terjemahan). Jakarta: Gramedia Pustaka Utama.
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Didi Haryono, Gumilar Rusliwa Somantri, Hanif Saha Gafur, Muhammad Syaroni Rofii (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
