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Title: A Case Study of Bank Rakyat Indonesia Examining the Effects of the National Economic Recovery Program and Digitalization on MSME Resilience During the COVID-19 Pandemic
Abstract: This study aims to assess the effect of digitalization and the National Economic Recovery Program—Pemulihan Ekonomi Nasional (PEN) on the COVID-19 pandemic resilience of micro, small, and medium-sized enterprises (MSMEs). This study is based on first-hand information gathered from a survey of 6009 Bank Rakyat Indonesia clients that was conducted between March and June 2021. This study found that the most effective PEN for boosting MSME resilience was a combination of new loans, credit restructuring, and/or interest subsidies. This was determined using the generalized ordered logistic regression technique. New loans, however, did not increase sales or profitability; rather, they simply increased liquidity. Resilience was however weakened by simply offering a restructuring program. Additionally, it was found in this study that MSMEs that have been digitally transforming for longer than a year are more resilient than those that have not. In order to increase MSME resilience during the COVID-19 pandemic, this study emphasizes the importance of providing MSMEs with a variety of interventions and helping MSMEs transition to digitalization.
Keywords: MSME resilience; BRI; government support; PEN; digitalization
Paper Quality: SCOPUS / Web of Science Level Research Paper
Subject: Economics
Writer Experience: 20+ Years
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