Financial literacy and financial intermediation are vital tools for all businesses, particularly women micro-entrepreneurs. Even with modest means, they have been shown to considerably contribute to economic independence at the family, national, and international levels. Since Indonesian women microentrepreneurs still have trouble getting bank loans (being unbanked), the majority of them join cooperatives. Cooperatives are without doubt the financial intermediation institutions of choice for micro-communities; nonetheless, research on the subject is still scarce, particularly in developing nations. In order to bridge this gap, this study looks at the role of cooperatives as financial intermediation organizations. Examining the impact of financial literacy through cooperative financial intermediation on the financial performance of Indonesian women microentrepreneurs is the main goal of the study. The cross-sectional data were identified using purposive approaches and processed with the use of Smart PLS as part of an explanatory research approach. The direct influence test results demonstrate that enhancing financial performance and financial intermediation are directly impacted by financial literacy. Additionally, financial intermediation (cooperatives) was successful in influencing the impact of financial literacy on the financial performance of micro-entrepreneurs in Indonesia, according to the findings of the mediation effect test.
This research aims to determine the strategy of the Jakarta Provincial Government in increasing the resilience and growth of small and medium enterprises (SMEs) within a collaborative governance framework post-COVID-19. This study explores the effectiveness of SMEs and facilities in accessing financing and fostering collaborative partnerships between SMEs, government agencies, and financial institutions by utilizing USAID’s Theory of Change (TOC). This research uses a qualitative approach supported by in-depth interviews and Focus Group Discussions to enrich the insights of SME stakeholders, large companies, and SME actors and assess the impact of their roles. The results of this research highlight the critical role of SME Cooperative Banks (SCB) in improving SMEs’ access to credit and financial services, including collaborative governance frameworks and partnerships between SMEs, government agencies, and banks, which were identified as necessary to improve policy coherence and encourage conducive SME business environment conditions. The main findings of this research underscore the importance of the SCB model, demonstrating its potential to improve SME resilience and economic sustainability. This SCB model enriches the TOC indicators introduced by USAID. The study identifies gaps in digital infrastructure and market access that hinder SME growth and recommends targeted interventions to address these challenges. This study shows that SCB offers a promising pathway to increase the resilience and growth of SMEs in Indonesia, especially if accompanied by effective collaborative governance strategies. These initiatives can encourage inclusive economic development and strengthen the role of SMEs as drivers of the local economy. Recommendations include expanding the SCB model to other regions, encouraging digitalization, facilitating market access, advocating for a supportive policy framework, and integrating these strategies to advance the principles of USAID’s Theory of Change, fostering sustainable SME development and economic resilience.
The small and medium tourism enterprises sector has experienced a decline in Indonesia’s economic conditions in recent years. This research aims to advise stakeholders regarding factors that must be considered and included in future policy formulation. The research methodology is a mixed method supported by the N-Vivo computer program, interview studies, and FGD. This research focuses on four tourism provinces in Indonesia. The research results using thematic analysis identified 133 codes, 19 categories, nine core themes, and one impact theme. This research’s novelty highlights that government policy’s effects on tourism SME marketing are not significant due to weak support. Apart from that, partnerships and collaboration between the central regional government and tourism SMEs are the main factors determining their development at the regional level. This research concludes that government intervention and support in encouraging the growth and sustainability of tourism SMEs are necessary. The Government must promote collaboration between tourism SMEs because increasing the number of tourists is crucial, as well as encouraging sustainable marketing practices and simplifying regulations. The recommendation is that the Government immediately simplify regulations, expand partnerships and collaboration, and promote innovation in tourism SMEs. By implementing these recommendations, policymakers can create an environment that supports the development of tourism SMEs, allowing the tourism sector to increase GRDP.
In Indonesia tax reform has undergone multiple revisions in recent years, all within a brief timeframe. Digital tax reform in Indonesia began with significant milestones in recent years to adapt to the digital economy’s challenges. The specific start date for digital tax reform in Indonesia can be traced back to the passing of the Tax Regulations Harmonization Law on 7th October 2021, which officially became Law No 7/2021 on 29th October 2021. This law marked a crucial step in Indonesia’s journey towards modernizing its tax system to address the implications of the digital economy. The provisions of this law have varying effective dates, such as for income tax purposes from the 2022 fiscal year and for VAT purposes from 1st April 2022. These changes under the Tax Regulations Harmonization Law are extensive and wide-reaching, signifying a pivotal moment in Indonesia’s digital tax reform efforts. This shows that the Indonesian government intends to radically overhaul the tax system, yet there are inconsistent approaches to deciding on the long-term course of tax policy. It is critical to investigate the concept of tax legislation in Indonesia in order to provide legal clarity on digital tax reform. Normative juridical research methodology is employed, together with a qualitative research strategy and descriptive-analytical research specifications. The findings suggest that the Indonesian government’s efforts to establish strict policies governing taxes on digital activity are inadequate and uneven. In order to apply to digital platform enterprises, the definition of permanent establishment as outlined in a number of national regulations must incorporate a substantial economic presence criterion. Legislative progress toward the establishment of a framework for digital tax collection is necessary to mitigate the possible income loss of states in this area, which could result from the rapid advancement of information technology. The OECD consensus is still in the process of drafting an international tax reform that will require adjustments from national tax reform. Therefore, it is imperative that the Indonesian government establish a thorough framework for tax regulation that can ensure robustness, economic efficiency, fairness, against motivation compatibility, administrative ease, and avoidance.
Smallholder cocoa producers often experience low productivity levels, partly due to their weak collaborative advantage (CA). CA enables businesses to optimize outcomes through effective collaboration within value chains. This paper aims at examining the effect of CA pillars (trust building, resource investment, and decision synchronization) on the productivity. This paper uses primary data of 406 samples from smallholder cocoa producers in Indonesia. The data is analyzed by using CDM (Crepon Duguet Mairesse) model that divides the CA process into three stages: effort, output, and productivity. In the first stage, our model shows that having motivation to collaborate positively affects collaborative effort expenditure to develop a CA. In the second stage, the study finds that the three pillars of CA have to some degree contributes to achieving a better access to finance, superior cocoa seeds, and cocoa processing technology for smallholder cocoa producers. In the third stage, acquiring the outputs of CA leads to productivity improvement. The findings underscore the significance of intangible factors in shaping robust Collaborative Advantage (CA) and influencing productivity. This enriches CA theory, which has traditionally focused primarily on tangible factors.
Massive open online courses (MOOCs) are intentionally designed to be easily accessible to many learners, regardless of their academic level or age. MOOCs leverage internet-based technology, allowing anybody with an internet connection to have unrestricted access, regardless of their location or time limitations. MOOCs provide a versatile and easy opportunity for acquiring top-notch education, enabling anyone to learn at their preferred speed, free from limitations of time, cost, or geographical location. Given the advantages they offer, MOOCs are a valuable method for improving the quality and availability of education in Indonesia. Following the outbreak of the COVID-19 pandemic, colleges and institutions have implemented the establishment of digital campuses. One important characteristic of these digital campuses is that they prioritize processes but overlook data and lack standardized standards. The problems and fundamental causes include challenges related to the comprehensive information architecture. The main factor contributing to this challenge is the absence of uniform and well-defined information standards. The existing connectivity and data exchange mechanisms in several schools are poor, leading to substantial data discrepancy among various departments due to the limited content of the fundamental data utilized. Moreover, the absence of clear information about the reliable source of data exacerbates the problem. The main objectives of data governance are to improve data quality, eliminate data inconsistencies, promote extensive data sharing, utilize data aggregation for competitive benefits, supervise data modifications based on data usage patterns, and comply with internal and external regulations and agreed-upon data usage standards. The aim of this project is to create a data governance framework that is customized to the specific conditions in Indonesia, with a specific emphasis on MOOC providers. The researcher chose design science research (DSR) as the research paradigm as it can successfully tackle relevant issues linked to the topic by creating innovative artefacts about the data governance framework for MOOC providers in Indonesia. This research highlights the necessity and significance of implementing a data governance framework for MOOC providers in Indonesia, hence increasing their awareness of this requirement. The researchers incorporated components from the data management body of knowledge (DMBOK) into their data governance framework. This framework includes ten components related to data governance, which are further divided into sub-components within the MOOC providers’ framework.
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