Inspire Journal: Economics and Development Analysis <p>Inspire Journal: Economics and Development Analysis merupakan jurnal yang diterbitkan oleh Departemen Ilmu Ekonomi, Fakultas Ekonomika dan Bisnis, Universitas Kristen Satya Wacana. Inspire Journal: Economics and Development Analysis merupakan jurnal ilmiah ekonomi yang mempublikasikan hasil-hasil penelitian dalam bidang ilmu ekonomi, terutama ekonomi pembangunan, ekonomi moneter, ekonomi makro, ekonomi mikro, keuangan mikro, kebijakan publik, perdagangan internasional dan topik terkait bidang ilmu ekonomi. Jurnal ini terbit dua kali setahun yaitu di bulan Mei dan November.</p> Departemen Ilmu Ekonomi, Fakultas Ekonomika dan Bisnis, Universitas Kristen Satya Wacana en-US Inspire Journal: Economics and Development Analysis 2776-4389 HAMBATAN & STRATEGI: STUDI KASUS PADA PELAKU USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DI SALATIGA <p>The existence of the COVID-19 pandemic which has an impact on the economic decline has<br>caused the number of existing Micro, Small and Medium Enterprises (MSMEs) to increase. The<br>rise of layoffs and the difficulty of finding work during the pandemic has made some people<br>decide to become entrepreneurs. The new MSMEs that have sprung up cause the resulting<br>competition to continue to increase. As a result, MSME actors must have a strategy to be able<br>to survive in the midst of competition and difficult conditions due to the pandemic. Therefore,<br>the purpose of this study is to find out how the strategies carried out by SMEs in Salatiga in<br>dealing with problems and how to survive using a quantitative approach. The population of<br>this research is MSMEs in Salatiga City with a total sample of 100 in various business fields.<br>The data used are primary data obtained through a questionnaire. The analysis used in this<br>paper is descriptive analysis. The results showed that more than 50% of SMEs experienced a<br>decrease in income by 45-75%. While the other 9% did not experience a change in income. 24%<br>only experienced a decrease of 10-45%. The rest experienced a significant decrease in the<br>amount of 76-100%. The strategies carried out by the MSME actors are looking for additional<br>work, digitizing businesses or using digital media as a means of promotion, reducing stock and<br>the amount of household consumption, seeking additional capital through asset sales and<br>bank loans as well as MSME actors running their business as usual.</p> Aulia Fitriyani Dita Mawar Kusumaningtyas ##submission.copyrightStatement## 2022-10-03 2022-10-03 1 2 110 122 ANALISIS TECHNOLOGY ACCEPTANCE MODEL (TAM) TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY UNTUK MENDUKUNG UMKM SEBAGAI SOLUSI PEMULIHAN EKONOMI NASIONAL <p>Productive digital MSMEs are the main key in accelerating the national economic recovery. The<br>presence of fintech is a solution for MSMEs in expanding the market and facilitating financing,<br>which so far have not been touched by banking services. Therefore, there is a wide and very large<br>potential when fintech and MSME players collaborate with each other in order to accelerate<br>national economic recovery. Based on this, researchers are interested in seeing whether there are<br>good intentions from MSMEs to use fintech services with various conveniences. This research is<br>divided into 2 studies. First, researchers want to see the acceptance and trust of SMEs in financial<br>technology. Second, the researcher conducted an exploratory analysis to see if there were<br>conveniences for MSMEs in using financial technology. Sampling used a survey technique using<br>open questions and closed questions with198 MSME respondents spread throughout Indonesia.<br>This type of research uses quantitative research supported by qualitative data. The sampling<br>technique used purposive sampling which was tested using the CB-SEM analysis technique with<br>analytical tools, namely IBM AMOS 26 and exploratory analysis using SPSS 23. The results of the<br>SEM analysis showed that there was acceptance &amp; trust in MSMEs in the use of financial technology<br>and there was ease of use tosupport SMEs . The implementation of this research is an input for<br>MSMEs in Indonesia to better adapt to technological advances whose output can facilitate business.</p> Muhammad Hanif Ibrahim Annes Nisrina Khoirunnisa Uma Zalfa Salsabiil ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 123 142 INOVASI PROGRAM WELPAY SEBAGAI UPAYA MENSTIMULASI RODA PERPUTARAN EKONOMI DAERAH DKI JAKARTA DI ERA PANDEMI COVID-19 <p>The Covid-19 pandemic has forced the central and regional governments to make policies that<br>limit the mobilization of their people in order to break the chain of virus spread, through<br>policies we know as Large-Scale Social Restrictions. As the capital city, DKI Jakarta is no<br>exception to the economic impact caused by the Covid-19 pandemic, where Bank Indonesia<br>noted that 87.5 percent of MSMEs were affected by Covid-19 and 93.2 percent of them were<br>negatively affected by sales. The Welpay program exists as an effort to overcome the problem of<br>sluggish economic turnover, especially SMEs in DKI Jakarta by providing a card containing<br>an incentive balance with a nominal value of one million rupiah each month which is distributed<br>to all residents of DKI Jakarta with certain conditions where the balance in the card can only<br>be used for transactions on SMEs businesses that have been registered as Welpay program<br>partners. This program research uses qualitative methods with concept analysis through<br>literature studies using the Bohnenberger sustainable welfare benefits framework, especially<br>the Universal Basic Voucher. The Universal Basic Voucher or UBV is a policy model for providing<br>a nominal amount in the form of vouchers to all citizens of another country or geographic area,<br>regardless of their income, resources, or employment status. The Welpay program is expected to<br>be able to revive the wheels of the SMEs economy amidst the sluggish economy caused by the<br>Covid-19 Pandemic.</p> Muhamad Isom Andi Muhammad Farhan Audino ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 143 156 MERDEKA DIGITALISASI: OPTIMALISASI UMKM DENGAN METODE SELF APPROACH GUNA MENGENTASKAN KETERPURUKAN EKONOMI SEBAGAI RESULTAN PANDEMI COVID-19 <p>Since COVID-19 arrived in Indonesia, Indonesia has been stuck in a recession for four quar-<br>ters. The work from home policy is implemented to keep the economy running during a pan-<br>demic, which has accelerated the digitalization of the economy. Along with the digitalization<br>of the economy, MSMEs are the pillars of the Indonesian economy. The government has also<br>included MSMEs and digital transformation as the focus of national economic recovery. Unfor-<br>tunately, in formulating policies, the government lost its focus on the digitalization of MSMEs.<br>The writing of this paper uses descriptive qualitative research methods based on literature<br>studies from various literature. Merdeka Digitalisasi Program with the self-help approach<br>method is an idea to overcome this. The self-help approach allows the community to help each<br>other develop the existing digitalization potential. The ethos embedded in the self-help ap-<br>proach is responsibility and group image. The formation of communities with this concept has<br>proven to increase resilience and adaptation to unstable times like today. In Merdeka<br>Digitalisasi, students will be sent to villages and MSME entrepreneurs to teach economic<br>digitization. With Merdeka Digitalization, students actively introduce economic digitization<br>to MSMEs and reduce existing technological stuttering. Merdeka Digitalization is a solution<br>wherein the national economic recovery, the government does not only involve consumers and<br>MSME entrepreneurs but students who will become the leaders of this country.</p> Amaranggana Hang Arna Prianto Hani Ulima Asri Fathiya Amaliya Sari ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 157 172 ANALYSIS OF SECTOR ECONOMIC GROWTH IN EAST JAVA DURING THE COVID-19: LOCATION QUOTIENT AND SHIFT SHARE APPROACH <p>This study aims to analyze the structure of the economy and the shift in the economic sector due<br>to the Covid-19 pandemic in East Java for the 2019-2020 period. This research is a descriptive<br>quantitative study, the data used in this study is secondary data for Gross Domestic Product<br>and Gross Regional Domestic Product for East Java Province in 2019-2020 with a total of 17<br>sectors studied. The data is processed using location quotient and shift-share analysis tools.<br>The results of the analysis using the Location Quotient approach show that there are five<br>sectors which are the base sectors, namely the Manufacturing Industry sector; Water Supply,<br>Sewerage, Waste Management and Remediation Activies; Wholesale and Retail Trade, Repair<br>of Motor Vehicles and Motorcycles; Transportation and Storage; and Information and<br>Communication. The results of the analysis using the shift-share approach show that all 10<br>sectors in the analysis period show negative numbers. Based on the Location Quotient and<br>Shift Share analysis in East Java Province in 2019-2020 it can be concluded that: the leading<br>sector, with the potential to excel (SLQ&gt;1, DLQ&gt;1) and the highest Shift Share Index are in the<br>Water Supply, Sewerage, Waste Management and Remediation Activies sectors. and for those<br>that are not included in the leading sector, have no potential to excel (SLQ&lt;1, DLQ&lt;1) and the<br>smallest Shift Share Index is in the Other Services Activities sector.</p> Kamilah Kamilah ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 173 186 UMKM DAN PANDEMI COVID-19 YANG BERKEPANJANGAN DI KOTA SALATIGA <p>The first time Covid-19 (Coronavirus Disease 2019) appeared in Indonesia since early<br>March 2020. The pandemic not only had a negative impact on the health side but on the social<br>and economic side. The causes of the decline in turnover and the closing of UMKM outlets<br>in 2020 until now include declining domestic demand, difficulty in obtaining raw materials,<br>delays in logistics distribution, greater credit risk and others (Mikro et al. 2020). UMKM that<br>have employees are forced to carry out Termination of Employment (PHK) on the grounds that<br>employers are unable to pay workers’ salaries because their income has decreased. According<br>to data from the MSME ministry, more than 90 percent of Indonesian workers work in the<br>UMKM sector. In resurrecting UMKM’s affected by the pandemic, support is needed in adjusting<br>to the promotion of their merchandise through social media. This helps UMKM’s to promote<br>their products in the digital world. However, not a few of the business actors are not ready to<br>make transactions in the digital world. Social media can be an alternative in promotion,<br>especially in conditions like this, people are limited to outside activities (Rosita 2020). This<br>study uses qualitative analysis techniques, with interviews conducted online. From this<br>background, this study intends to describe how the impact of Covid-19 on UMKM, strategies<br>and efforts and the role of the government in helping UMKM actors in dealing with Covid-19.<br>The research location is in the city of Salatiga, Central Java. In this study, the results showed<br>that UMKM in facing the COVID-19 pandemic had different promotional strategies.</p> Gabriella Gabriella Emanuel Adelia Natasya Anugrah Ayuk Rahmadian Safitri ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 187 198 ANALISIS DAMPAK PENGEMBANGAN USAHA MIKRO KECIL MENENGAH UNTUK MENINGKATKAN PERTUMBUHAN EKONOMI SEBAGAI UPAYA PENANGGULANGAN KEMISKINAN DAN PENGANGGURAN DI MASA PANDEMI <p>Pemberdayaan UMKM (Usaha Mikro Kecil Menengah) di tengah pandemi Covid-19 dan tingginya<br>tingkat pengangguran membuat UMKM harus mampu bersaing menghadapi krisis ekonomi, seperti<br>meningkatkan pengembangan sumber daya manusia, sumber daya alam dan penggunaan teknologi<br>dalam memperluas sektor pemasaran. Pertumbuhan ekonomi setiap tahun ditentukan oleh dinamika<br>dan perkembangan perekonomian suatu daerah, namun perekonomian suatu daerah pada awalnya<br>ditopang oleh kegiatan ekonomi berskala kecil dan menengah. Tujuan penelitian ini guna<br>menganalisis dampak pengembangan UMKM untuk meningkatkan pertumbuhan ekonomi sebagai<br>upaya penanggulangan kemiskinan dan pengangguran di masa pandemi. Penelitian ini<br>menggunakan metode deskriptif analisis dengan pendekatan kualitatif. Teknik pengumpulan data<br>menggunakan metode penelitian observasi dengan melibatkan pelaku ekonomi dari UMKM untuk<br>mengumpulkan data terkait dengan dampak pengembangan UMKM untuk meningkatan<br>pertumbuhan ekonomi, dan menggunakan metode wawancara dengan teknik analisis data<br>menggunakan logika deduksi dengan membandingkan teori yang melatar belakangi bentuk<br>permasalahan. Hasil penelitian ini menunjukkan proses pengembangan UMKM untuk<br>meningkatkan sektor ekonomi yang dilakukan oleh pemerintah hanya sebatas pemberian modal<br>dan kurang maksimalnya bantuan lain dalam pengembangan UMKM. Dalam pengembangan<br>UMKM terdapat faktor pendukung yaitu SDM yang melimpah atau tenaga kerja yang memadai,<br>modal usaha ringan, dan adanya kesepakatan harga jual antar produsen dan konsumen. Terdapat<br>pula, faktor penghambat dalam pengembangan UMKM yaitu kurangnya infrastruktur yang<br>memadai. Dengan demikian, dapat ditarik kesimpulan dan dapat ditemukan solusi bahwa UMKM<br>mampu menjadi faktor pendorong pertumbuhan ekonomi, sekaligus sebagai upaya penanganan<br>kemiskinan dan pengangguran di masa pandemi. Serta dapat membawa dampak positif terhadap<br>penyerapan tenaga kerja sehingga dapat menekan angka pengangguran di Indonesia.</p> Atla Tegar Habib Amrullah Mutiara Devi Zumrotussaadah ##submission.copyrightStatement## 2022-10-04 2022-10-04 1 2 199 212 DEKOMIGITAL (DESA EKONOMI DIGITAL): STRATEGITRANSFORMASI UMKM DESA DIGITAL SEBAGAI UPAYA PEMULIHAN PEREKONOMIAN PADA MASA PANDEMI DI INDONESIA <p>MSMEs (Micro, Small, and Medium Enterprises) have a major impact on the economy with<br>income contribution reaching 60 percent of Indonesia’s GDP. Regardless, 90 percent of MSMEs<br>affected by the Covid-19 pandemic are not only in urban areas but also in rural areas. Social<br>restrictions resulted in a decrease in village economic transactions both within the village and<br>with the surrounding area. Digital village transformation is the main key so that economic<br>transactions during the pandemic can begin again. The e-commerce-based village program in<br>Taobao Village, China, is the benchmark for this interpretation. The method used in this research<br>is SWOT analysis method and qualitative descriptive analysis. The results of the mapping<br>(plotting) of the IFAS and EFAS analysis strategy quadrant matrices found that the widest area<br>in the SWOT matrix is in quadrant one (Strength–Opportunity area) and means that the best<br>strategy to restore the economy during the pandemic in the village on Indonesia is by digital<br>transformation. This research resulted in the concept of Dekomigital (Desa Ekonomi Digital)<br>which synergizes the implementation of e-commerce and the village MSME database, upgrading<br>the Village Marketing Center (Bumdes), and reforming the go-digital village community that<br>can realize economic recovery during the pandemic.</p> Mega Muli Utami Renaldi Manurung Febrian Aji Nugroho ##submission.copyrightStatement## 2023-01-18 2023-01-18 1 2 213 234