DIGITALISASI UMKM SEBAGAI PENGGERAK EKONOMI KREATIF: PELUANG DAN TANTANGAN

Abstract

Micro, Small, and Medium Enterprises (MSMEs) contribute 60
61.9% of Indonesia's GDP and absorb 97% of the national 
workforce, while the creative economy is growing rapidly, 
accounting for 7-8% of GDP, with subsectors such as fashion, 
culinary, and technology applications. Digitalization is crucial 
for addressing challenges such as low literacy and uneven 
infrastructure, while simultaneously capitalizing on e-commerce 
and social commerce opportunities. This study aims to analyze 
the role of MSME digitalization as a driver of the creative 
economy, identify opportunities and challenges, and formulate 
strategies for strengthening digital transformation. The research 
method uses a qualitative descriptive approach through a 
literature review of academic literature, reports from Bappenas, 
LIPI, and BPS for the 2022-2025 period, with content analysis 
and source triangulation for validity. The results show that 
digitalization drives product innovation, operational efficiency 
via cloud accounting and analytics, access to fintech platforms 
such as QRIS and crowdfunding, and global market expansion 
through marketplaces like Shopee and TikTok Shop. 
Opportunities include viral Reels/Shorts promotion and startup 
incubation, while challenges include low digital literacy (only 
30% of MSMEs are optimal), rural infrastructure gaps, and 
cybersecurity. Integrated solution strategies such as the Digital 
Talent Scholarship, Palapa Ring, and the IDR 500 trillion Digital 
KUR (People's Business Credit) program can bring 40 million 
MSMEs online by 2025.