The Role of Bank Indonesia in Strengthening Micro Businesses through the Empowerment of Indonesian Women in Micro, Small and Medium Enterprises (PPUMI)
Keywords:
Micro Businesses, Financial Inclusion, Economic EmpowermentAbstract
Micro businesses are the backbone of the people's economy, but they still face obstacles in terms of capital, skills, and access to finance. Bank Indonesia (BI), through Strengthening MSMEs through Inclusive Assistance (PPUMI), is here to support the development of micro businesses. This paper discusses the profile of PPUMI, its assistance strategies, as well as the programme's strengths, weaknesses, opportunities, and challenges. The purpose of this paper is to assess BI's contribution in strengthening micro businesses and promoting financial inclusion. The benefit of this paper is to provide an overview for business actors and policy makers in developing micro empowerment strategies. With PPUMI, micro businesses are expected to be more adaptive to the market, financially independent, and able to contribute more to the economy. This programme also strengthens the synergy between the financial sector and small business actors.References
Anabuni, Andrias Umbu T., Irma Linda Dewiaty, Maria Sisilia Lou Kellen, Plafianto jono karjo Himpi, and Dikky Mooy. 2025. “Peluang Dan Tantangan Umkm Di Era Digital: Solusi Praktis Untuk Masyarakat Amanuban Barat.” Jurnal Pengabdian Masyarakat Dan Riset Pendidikan 3(4):2133–38. doi:10.31004/jerkin.v3i4.728.
Armada, Silvano, and Chaidir Rozi. 2024. “Pemberdayaan UMKM Dengan Fokus Pada Peran Wanita : Inovasi Digitalisasi.” Blantika: Multidisciplinary Jornal 2(3):311–16.
Bank Indonesia. 2023. “DUKUNGAN KEBIJAKAN BANK INDONESIA PADA PEREKONOMIAN SEKTORAL DAN REGIONAL.”
Dwi Ifani, Risma Ayu Febrianti, Mohamad Bastomi. 2024. “ANALISIS SWOT SEBAGAI STRATEGI PENGEMBANGAN UMKM (STUDI KASUS PADA UMKM ZIGMARIE HOMESET & FASHION).” 1(4):828–36.
Marselina, Marselina, Tri Joko Prasetyo, and Ukhti Ciptawaty. 2023. “Pendampingan Memperoleh Sertifikat Halal.” BEGAWI : Jurnal Pengabdian Kepada Masyarakat 1(2):119–24. doi:10.23960/begawi.v1i2.25.
Munifah Syanwani. 2024. “Profil PPUMI (Pemberdayaan Perempuan UMKM Indonesia).” https://ppumi.com/.
Murtadho, Fathiaty, Reni Eriyani, Miftahulkhairah Anwar, Muhammad Saddam Haikal, Nurieyya Fieka Azmuna, and Deafitri Puspa Ayu. 2022. “Pemberdayaan Literasi Digital Bagi Pelaku UMKM Kelurahan Bahagia, Babelan, Bekasi.” Archive: Jurnal Pengabdian Kepada Masyarakat 2(1):1–10. doi:10.55506/arch.v2i1.40.
PPUMI. 2024. “Gerakan Sejuta Sertifikasi Halal Gratis Bagi UMKM.” https://ppumi.com/.
Sayyidina, Nimas Natha Shanna, and Tri Suminar. 2025. “Optimalisasi Peran Fasilitator Pendamping Dalam Meningkatkan Kemandirian Usaha Perempuan Prasejahtera.” 6(3):768–86.
Syamsiah Muhsin. 2022. “Peluang Dan Tantangan Pengembangan Usaha Mikro Kecil Dan Menengah (UMKM) Dalam Perspektif Ekonomi Islam Syamsiah.” Jurnal Ilmiah Manajemen Dan Bisnis 1(2):72. http://journal.undiknas.ac.id/index.php/manajemen.