Sinergi Strategi Digitalisasi dan Dukungan Lembaga Keuangan Mikro Terhadap Keberlanjutan UMKM Kuliner di Kota Medan

Authors

  • Annisa Rahmah Herlin Universitas Islam Negeri Sumatera Utara
  • Nurdyanti Choirunnisa Pane Universitas Islam Negeri Sumatera Utara
  • Era Rahmadani Damanik Universitas Islam Negeri Sumatera Utara
  • Fitri Hayati Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.30651/jms.v10i5.30263

Abstract

Penelitian ini mengkaji hubungan antara penerapan strategi digitalisasi dan peran lembaga keuangan mikro (LKM) dalam menjaga keberlanjutan usaha mikro, kecil, dan menengah (UMKM) sektor kuliner di Kota Medan. Metode yang digunakan adalah kualitatif deskriptif melalui studi literatur dengan memanfaatkan berbagai sumber data sekunder yang relevan. Hasil kajian menunjukkan bahwa digitalisasi berperan penting dalam meningkatkan efisiensi operasional, memperluas jangkauan pasar, serta memperkuat daya saing UMKM kuliner. Di sisi lain, LKM berkontribusi melalui penyediaan akses pembiayaan, pendampingan usaha, serta peningkatan literasi keuangan bagi pelaku UMKM. Sinergi antara digitalisasi dan dukungan LKM dapat memperkuat keberlanjutan usaha melalui peningkatan pendapatan, inovasi produk, serta kemampuan adaptasi terhadap perubahan pasar. Namun, masih terdapat kendala pada aspek literasi digital dan keuangan yang memerlukan perhatian lebih lanjut. Oleh karena itu, kolaborasi antara pemerintah, LKM, dan pelaku UMKM sangat penting dalam mendorong transformasi digital yang inklusif dan berkelanjutan pada sektor kuliner di Kota Medan.

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Published

2026-01-14

How to Cite

Herlin, A. R., Pane, N. C., Damanik, E. R., & Hayati, F. (2026). Sinergi Strategi Digitalisasi dan Dukungan Lembaga Keuangan Mikro Terhadap Keberlanjutan UMKM Kuliner di Kota Medan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(5). https://doi.org/10.30651/jms.v10i5.30263

Issue

Vol. 10 No. 5 (2025)

Section

Artikel

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