Inklusi Keuangan Digital sebagai Instrumen Pemberdayaan UMKM dalam Mendorong Pertumbuhan Ekonomi Lokal

Abstract

Digital financial inclusion is a strategic instrument for strengthening the competitiveness and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Financial digitalization plays a role in opening access to capital, accelerating transactions, providing more efficient financial recording, and expanding marketing networks. This study uses a literature review approach to analyze how digital financial inclusion can empower of Micro, Small, and Medium Enterprises (MSMEs) while supporting local economic growth. The results show that technological advances, such as fintech, digital wallets, and app-based banking services, can improve business performance through easier access to financing, operational efficiency, and increased financial literacy among Micro, Small, and Medium Enterprises (MSMEs). A case study of Kuningan Regency shows that the use of digital financial services and online marketing has a positive impact on business expansion and improving the financial capabilities of Micro, Small, and Medium Enterprises (MSMEs). However, the effectiveness of digital financial inclusion is still influenced by the readiness of human resources, financial literacy, and access to technological infrastructure. Therefore, synergy between the government, financial institutions, and business actors is needed so that financial digitalization truly becomes a driving force for MSME empowerment and local economic growth.