KREDIT PROGRAM ADAPTIF SEBAGAI PILAR INKLUSI KEUANGAN DAN PERTUMBUHAN UMKM DIGITAL
DOI:
https://doi.org/10.58258/kd2eqa42Keywords:
Program Adaptif, UMKM DIgital, Keuangan InklusifAbstract
Transformasi sistem pembiayaan melalui digitalisasi Kredit Usaha Rakyat (KUR), Pembiayaan Ultra Mikro (UMi), dan LPDB-KUMKM mencerminkan komitmen strategis pemerintah dalam mendorong pertumbuhan UMKM digital dan memperkuat inklusi keuangan nasional. Artikel ini bertujuan menganalisis efektivitas skema kredit adaptif digital terhadap perluasan akses pembiayaan dan dampaknya terhadap produktivitas UMKM. Dengan pendekatan kualitatif berbasis studi kebijakan dan literatur, hasil kajian menunjukkan bahwa digitalisasi layanan keuangan mempercepat proses pengajuan, mempermudah pelaporan, serta membuka peluang pendanaan bagi pelaku usaha yang sebelumnya tidak bankable. Tantangan seperti rendahnya literasi digital, risiko kredit, dan keterbatasan infrastruktur menjadi hambatan utama. Oleh karena itu, kebijakan pendukung harus mencakup pelatihan literasi, integrasi data digital, dan penguatan kelembagaan agar program ini mampu berkontribusi terhadap pertumbuhan ekonomi inklusif dan berkelanjutan
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