KESENJANGAN LITERASI DIGITAL DAN DAMPAKNYA TERHADAP PERILAKU EKONOMI UMKM : PENDEKATAN TEORI INOVASI DIGITAL
Authors/Creators
- 1. Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
Description
ABSTRACT
This study examines the digital literacy gap (DIL) and its impact on the
economic behavior of MSMEs in Indonesia using Rogers' Diffusion of
Innovations Theory. Previous studies have emphasized that low digital
literacy hinders MSMEs' technology adoption, productivity, and
competitiveness. This study employed a qualitative method with a
phenomenological approach and multiple case studies of five MSMEs,
using in-depth interviews and observations to explore their experiences,
perceptions of innovation, and economic decision-making. The thematic
analysis revealed three main findings: (1) MSMEs with low DIL face access
barriers, limited skills, and digital anxiety, which reinforce the
perception of technology complexity; (2) perceptions of relative
advantage and compatibility are stronger among highly literate MSMEs,
resulting in faster adoption of e-commerce, fintech, and other digital
systems; (3) low DIL leads to conservative economic behavior, slow
innovation, and missed market opportunities, while high DIL increases
efficiency, market expansion, and business resilience. These findings
demonstrate that DIL plays an important role as a mediator in the
diffusion of digital innovation. The study concluded that the digital
literacy gap contributes significantly to disparities in productivity and
competitiveness of MSMEs, with implications for national economic
contribution.
Keywords: Digital Literacy Gap, Economic Behavior of MSMEs, Digital
Innovation Theory
Files
Anindya+Raihan+Azzahra+et+al_MUSYTARI.pdf
Files
(392.7 kB)
| Name | Size | Download all |
|---|---|---|
|
md5:7c210682ad2ded474f5fa4281424cc0e
|
392.7 kB | Preview Download |
Additional details
Related works
- Is published in
- Journal article: https://ejournal.cibinstitute.com/index.php/musytari/article/view/1592 (URL)
Software
References
- Badan Riset dan Inovasi Nasional (BRIN). (2025). BRIN soroti rendahnya adopsi teknologi digital oleh UMKM Indonesia. https://www.brin.go.id/news/124058/brin-soroti- rendahnya-adopsi-teknologi-digital-oleh-umkm-indonesia [2] Badan Pengembangan Sumber Daya Komunikasi dan Digital. (2024). Indeks Masyarakat Digital Indonesia (IMDI) 2022–2023 [Dataset]. Satu Data Komdigi. https://data.komdigi.go.id/opendata/dataset/indeks-masyarakat-digital-indonesia-imdi [3] [4] Ekonomi Indonesia, I. S. (2024). Ekosistem digitalisasi UMKM. Gunawan Wibowo, Y. (2021). Analisa literasi digital usaha mikro, kecil, menengah (UMKM) makanan Islami dalam kemasan. Jurnal Manajemen dan Bisnis Indonesia, 7(1), 127–134. http://jurnal.unmuhjember.ac.id/index.php/JMBI/article/view/5072 [5] Handayani, A. D. (2023). Digitalisasi UMKM: Peningkatan kapasitas melalui program literasi digital. Jurnal Signal, 11(1), 104. https://doi.org/10.33603/signal.v11i1.8213 [6] Kilay, A. L., Simamora, B. H., & Putra, D. P. (2022). The influence of e-payment and e- commerce services on supply chain performance: Implications of open innovation and MUSYTARI ISSN : 3025-9495 Neraca Akuntansi Manajemen, Ekonomi Vol 24 No 12 Tahun 2025 Prefix DOI : 10.8734/mnmae.v1i2.359 solutions for the digitalization of MSMEs in Indonesia. Journal of Open Innovation: Technology, Market, and Complexity, 8(3). https://doi.org/10.3390/joitmc8030119 [7] Laziva, N., & Atieq, M. Q. (2024). Studi literatur digitalisasi UMKM di era Masyarakat 5.0: Strategi dan faktor. Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Tanjungpura, 7, 1050–1079. https://jurnal.untan.ac.id/index.php/MBIC/index [8] Nugraheni, A. (2025). Optimalisasi platform digital memperkuat pasar UMKM. Kompas.id. https://www.kompas.id/artikel/optimalisasi-platform-digital-memperkuat-pasar-umkm [9] Oktavianti, I., & Soetjipto, B. E. (2025). Digital literacy skills in improving the performance of MSMEs in Indonesia: A systematic literature review. International Journal of Economics and Management Sciences, 2(2), 76–80. https://doi.org/10.61132/ijems.v2i2.662 [10] Rogers, E. (2003). Diffusion of Innovations (5th ed.). [11] Sekarranti, L. T. (2025). Impact of digital literacy on informality of MSMEs. Jurnal Ekonomi dan Statistik Indonesia, 5(1), 1–15. https://doi.org/10.11594/jesi.05.01.01 [12] Shantika, et al. (2022). Analisis adopsi inovasi teknologi informasi dompet digital DANA menggunakan Innovation-Diffusion Theory (IDT). Journal Information System & Artificial Intelligence, 2(2). https://doi.org/10.26486/jisai.v2i2.80 [13] Srikarsa, N., Gorda, A. A. N. E. S., & Pasek, G. W. (2024). The influence of open innovation and digital literacy on business sustainability with new product development as an intervening variable in leading UMKM in Buleleng District. International Journal of Social Science and Business, 8(2), 283–289. https://doi.org/10.23887/ijssb.v8i2.77056 [14] Wahasusmiah, R., Herawati, N., & Harapan, E. (2025). Pendampingan literasi digital untuk UMKM: Penerapan pembayaran digital dalam meningkatkan daya saing bisnis. Jurnal Pengabdian Bersama Masyarakat Indonesia, 3. [15] Zahoor, N., Zopiatis, A., Adomako, S., & Lamprinakos, G. (2023). The micro-foundations of digitally transforming SMEs: How digital literacy and technology interact with managerial attributes. Journal of Business Research, 159, 113755. https://doi.org/10.1016/j.jbusres.2023.11375