Pemberdayaan UMKM melalui Penerapan Sistem Marketplace dan Digital Payment di Provinsi Daerah Khusus Ibukota Jakarta
Abstract
Penelitian ini bertujuan untuk menganalisa dan mengevaluasi pemberdayaan UMKM melalui penerapan sistem marketplace dan digital payment di Provinsi DKI Jakarta. Dalam era digital, transformasi teknologi menjadi peluang strategis bagi UMKM untuk meningkatkan efisiensi operasional, akses pasar, dan daya saing. Namun, tantangan seperti kesenjangan digital, kurangnya literasi teknologi, dan hambatan regulasi menghambat penerapannya. Penelitian ini bertujuan untuk menganalisis efektivitas sistem marketplace dan digital payment dalam memberdayakan UMKM, mengidentifikasi kendala yang dihadapi, serta merumuskan solusi implementatif. Menggunakan pendekatan deskriptif kualitatif, data diperoleh melalui wawancara terstruktur, observasi non- partisipan, dan studi dokumentasi dengan melibatkan berbagai pemangku kepentingan. Hasil penelitian menunjukkan bahwa dukungan kebijakan pemerintah, infrastruktur teknologi, dan motivasi UMKM memberikan potensi besar bagi pemberdayaan. Namun, kendala seperti rendahnya literasi digital, keterbatasan sumber daya manusia, dan kompleksitas sistem masih memerlukan perhatian. Saran yang diusulkan mencakup penyederhanaan regulasi, peningkatan infrastruktur digital, pelatihan berkelanjutan, serta layanan pendampingan teknis. Sistem marketplace dan digital payment terbukti memiliki potensi signifikan untuk memberdayakan UMKM, asalkan didukung oleh kebijakan adaptif, edukasi intensif, dan sinergi antar pemangku kepentingan.
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