Tantangan penerapan teknologi digital dalam transformasi bisnis UMKM di Indonesia: systematic literature review

Authors

  • Maulana Yusuf Universitas Pendidikan Indonesia
  • Muhammad Rafhael Lazuardy Universitas Pendidikan Indonesia
  • Muhammad Indirafi Ranadimajid Universitas Pendidikan Indonesia
  • Ida Farida Adi Prawira Universitas Pendidikan Indonesia

DOI:

https://doi.org/10.26905/j.bijak.v8i2.17009

Keywords:

Challenges, Digital Transformation, Indonesia, MSMEs, SLR.

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are strategic pillars of the Indonesian economy, yet their global market contribution remains constrained by significant digitalization barriers. This study aims to identify, categorize, and synthesize the fundamental challenges hindering the digital transformation of MSMEs in Indonesia. Employing a Systematic Literature Review (SLR) methodology, this research analyzes 18 selected scholarly articles published between 2023 and 2025. The findings reveal six primary pillars of obstruction: human resource and digital literacy deficits, technological infrastructure inequality, financial restrictions, psychological and cultural resistance, cybersecurity vulnerabilities, and the ineffectiveness of external support programs. A specific finding highlights a "digital scalability gap," where traditional manual production capacities often fail to meet the surge in demand within the online ecosystem. This research contributes an integrated framework for policymakers and practitioners to design precise intervention strategies, ultimately fostering sustainable digital inclusion and enhancing the competitive resilience of the MSME sector in the digital age.

Downloads

Download data is not yet available.

References

Asikin, M. Z., & Fadilah, M. O. (2024). MASA DEPAN KEWIRAUSAHAAN DAN INOVASI: TANTANGAN DAN DINAMIKA DALAM ERA DIGITAL. JURNAL SYNTAX ADMIRATION, 5(1), 303–310.

Astuti, E. D., Tarto, Utami, R. T., & Oktaviany, V. (2025). TRANSFORMASI UMKM DIGITAL BERBASIS POTENSI LOKAL. JURNAL LENTERA BISNIS, 14(2), 2150–2158. https://doi.org/10.34127/jrlab.v14i2.1592

Azis Maulana. (2025). Strategies and Challenges of Traditional to Digital Business Transformation in MSMEs in Indonesia. ORGANIZE: Journal of Economics, Management and Finance, 4(1), 92–99. https://doi.org/10.58355/organize.v4i1.124

Darmeinis. (2024). Transformasi Digital dalam Manajemen Rantai Pasokan: Tantangan dan Peluang bagi UMKM di Indonesia. Jurnal Astina Mandiri, 3(2), 212–221. https://doi.org/10.55903/juria.v3i2.279

Fasah Sanda, F., Dewi, R., Qotus Zuhro, A., & Fitriana. (2025). Tantangan dan Peluang UMKM di Tengah Tren Ekonomi Digital. Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan, 2(2), 124–128.

Faturrahman, Subhan, E. S., & Shoalihin. (2025). Pengembangan UMKM Berbasis Transformasi Digital Dalam Mendorong Pertumbuhan Ekonomi Lokal. Advances in Management & Financial Reporting, 3(3), 990–1008. https://doi.org/10.60079/amfr.v3i3.622

Iti Septi, Sunardi, Dewi Putri Mandiri, Ade Citra Zahara, & Atyah Febriyanti. (2025). Transformasi Digital dan Dampaknya Terhadap Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Ranca Kalapa. Abdi Dharma, 5(1), 1–14. https://doi.org/10.31253/ad.v5i1.3560

Meliawati, H., Cahyani, N., Romadhona, A., & Khair, O. I. (2025). TRANSFORMASI DIGITAL UMKM SEBAGAI PENGGERAK EKONOMI KREATIF DI INDONESIA. MUSYTARI, 20(1), 1–13. https://doi.org/10.8734/mnmae.v1i2.359

Novranda Surbakti, M., Fitra Uli Tamba, I., Andriaskiton, M., Hidayat, F., Halomoan Siregar, A., & Mesakh, J. (2025). Pendekatan Terintegrasi dalam Administrasi Bisnis: Strategi dan Tantangan Digitalisasi UMKM Desa Buntu Bedimbar. In JCRE: Journal of Community Research and Engagement (Vol. 1, Number 2).

Nugroho, A. (2025). PENERAPAN TEKNOLOGI DIGITAL DALAM PENGELOLAAN UMKM DI SEKTOR RETAIL: STUDI KASUS DI INDONESIA. Manajemen Business Innovation Conference-MBIC, 8, 46–55. https://jurnal.untan.ac.id/index.php/MBIC/index

Prasetiyo, E., Mayang Gitaurus, K., Setyo Cahyono, B., Koirotul Fiyana, atun, Nur Khasanah, S., Abdul Malik, M., Alfian Syafa, A., Iqbal Firdaus, I., Sofia, L., Widiawan, J., Ananta, L., Nururrohmah, T., Ulil Albab, M., & Isa Tranjaya, A. (2025). Optimalisasi Teknologi Digital untuk Mendukung Daya Saing UMKM di Era Transformasi Digital. In JPMD: Jurnal Pengabdian kepada Masyarakat Desa (Vol. 6). https://ejournal.iaifa.ac.id/index.php/jpmd

Rachmatsyah, T. H. (2025). Pemberdayaan Masyarakat Berbasis Teknologi untuk Optimalisasi UMKM sebagai Pilar Utama Ekonomi Indonesia. Jurnal Abdi MOESTOPO, 8(1), 164–173. https://doi.org/10.32509/abdimoestopo.v8i1.4733

Sholihah, W. (2023). TANTANGAN DAN PELUANG TRANSFORMASI DIGITAL DALAM PENGELOLAAN BISNIS UMKM DI WILAYAH KEREK. JURNAL MEDIA AKADEMIK (JMA), 3(7), 1–15. https://doi.org/10.62281

Suriyani, A., Darmawan, I., Shihab, M. A., Amir, M., & Ahwan, Y. (2026). Transformasi Bisnis Digital (Tantangan dan Strategi) Pada UMKM Tenun Ikat Kabupaten Sikka. Economics and Digital Business Review, 7(1), 1326–1338.

Was’an Herman, G., Utarindasari, D., & Suratmaningsih. (2023). TRANSFORMASI DIGITAL UNTUK PENINGKATAN DAYA SAING UMKM CILEUNGSI: PENGABDIAN DALAM IMPLEMENTASI SOLUSI INOVATIF. Jurnal Pengabdian Masyarakat Bhakti Yustisia, 1(1), 22–28.

Wati, K. L., & Rajuddin, W. O. N. (2025). TRANSFORMASI DIGITAL DALAM MANAJEMEN BISNIS: TANTANGAN DAN PELUANG DI ERA INDUSTRI 4.0. JURNAL EKONOMI DAN BISNIS, 5(1), 206–213.

Yuanda, L., & Kristriantoro, F. (2024). ANALISIS TRANSFORMASI PENERAPAN E-BUSINESS PADA UMKM UNTUK MENINGKATKAN DAYA SAING DI ERA DIGITAL. Al-Hasyimiyah, 3(1). https://e-journal.staisiak.ac.id

Yunitasari, Y., Nenobais, H., & Marwan, J. (2025). Peningkatan Daya Saing UMKM Berbasis Media dan Teknologi untuk Pasar Internasional dan Ekonomi Indonesia. ANI MOESTOPO: Jurnal Pengabdian Pada Masyarakat, 8(1), 174–182. https://doi.org/10.32509/abdimoestopo.v8i1.4763

Downloads

Published

2026-08-06

How to Cite

, M. Y., Muhammad Rafhael Lazuardy, Muhammad Indirafi Ranadimajid, & Ida Farida Adi Prawira. (2026). Tantangan penerapan teknologi digital dalam transformasi bisnis UMKM di Indonesia: systematic literature review. Jurnal Ilmiah Bisnis Dan Perpajakan (Bijak), 8(2), 121–129. https://doi.org/10.26905/j.bijak.v8i2.17009

Issue

Vol. 8 No. 2 (2026): Agustus 2026

Section

Articles

License

Copyright (c) 2026 Jurnal Ilmiah Bisnis dan Perpajakan (Bijak)

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Authors who publish in JURNAL BISNIS DAN PERPAJAKAN (BIJAK) agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access)

 

Creative Commons License

JURNAL BISNIS DAN PERPAJAKAN (BIJAK) - D3 Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Merdeka Malang Published by University of Merdeka Malang, is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.