MANAGEMENT STRATEGIES FOR THE DEVELOPMENT OF MICRO ENTERPRISES IN NORTH BENGKULU DISTRICT

Anjari Wahyu Wardhani; Liu Zeqing; Zhang Zhiquan; Ridwan Nurazi; Berto Usman

doi:10.61397/mfc.v3i1.349

Authors

Anjari Wahyu Wardhani Universitas Bengkulu
Liu Zeqing Universitas Bengkulu
Zhang Zhiquan Universitas Bengkulu
Ridwan Nurazi Universitas Bengkulu
Berto Usman Universitas Bengkulu

DOI:

https://doi.org/10.61397/mfc.v3i1.349

Keywords:

QRIS, MSMEs, management strategies, digital literacy, business development

Abstract

The objective of this community service program (PKM) is to analyze management strategies for the development of micro-entrepreneurs in North Bengkulu Regency, with a focus on the promotion of QRIS (Quick Response Code Indonesian Standard) usage and the provision of Medium Business Credit (KUM) by Bank Bengkulu to support the growth of micro, small, and medium enterprises (MSMEs) in the region. The research employs lecture methods, interactive discussions, and simulation techniques to obtain a comprehensive understanding of business profiles, challenges faced, and the financial needs of MSMEs. The QRIS outreach initiative is conducted through various media and hands-on training sessions aimed at improving digital literacy and promoting the adoption of digital payment technologies among entrepreneurs. Additionally, management strategies are implemented to assist MSMEs in accessing Medium Business Credit provided by Bank Bengkulu. These strategies include business plan development, technical assistance, and financial management training. The results indicate that the use of QRIS enhances transaction efficiency and market access for MSMEs. Meanwhile, access to Medium Business Credit enables entrepreneurs to secure the capital needed for business expansion and increased production capacity. Strategic training and managerial assistance have proven effective in improving business management capabilities, which in turn enhance business performance and sustainability. Recommendations include expanding QRIS outreach programs, tailoring credit products to better suit MSME needs, and providing continuous management support to ensure stable and sustainable growth for MSMEs in North Bengkulu District.

References

Bank Bengkulu. (2023). Laporan tahunan Bank Bengkulu 2023. Bank Bengkulu.

Bank Indonesia. (2021). QRIS: Quick Response Code Indonesian Standard. Bank Indonesia.

Beck, T., & Demirgüç-Kunt, A. (2006). Small and medium-size enterprises: Access to finance as a growth constraint. Journal of Banking & Finance, 30(11), 2931–2943. https://doi.org/10.1016/j.jbankfin.2006.05.009

Creswell, J. W. (2014). Research design: Qualitative, quantitative, and mixed methods approaches (4th ed.). Sage Publications.

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008

Ghozali, I. (2018). Aplikasi analisis multivariate dengan program IBM SPSS 25. Badan Penerbit Universitas Diponegoro.

Muttakin, M. B., Khan, A., & Subramaniam, N. (2015). Firm characteristics and adoption of digital financial practices. International Journal of Accounting & Information Management, 23(2), 123–145. https://doi.org/10.1108/IJAIM-02-2014-0018

Purwana, D., Rahmi, & Aditya, S. (2017). Pemanfaatan digital marketing bagi usaha mikro, kecil, dan menengah (UMKM). Jurnal Pemberdayaan Masyarakat Madani, 1(1), 1–17.

Sugigi, D. (2020). Peran usaha mikro, kecil, dan menengah (UMKM) dalam pembangunan ekonomi nasional. Jurnal Ilmiah Ekonomi dan Bisnis, 17(2), 102–110.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.

Uwuigbe, U., & Ajibolade, S. O. (2013). Adoption of information technology and small business performance. Journal of Economics and International Finance, 5(5), 190–199.

Wang, Y. (2016). Digital payment systems and local economic growth. Electronic Commerce Research, 16(4), 567–589. https://doi.org/10.1007/s10660-016-9227-0

World Bank. (2018). Financial inclusion overview. World Bank.