October, 2026 |
Masagus M. Ridhwan, Affandi Ismail, Asep Suryahadi
Using Bank Indonesia’s 2023 survey of over 5,000 enterprises, this study examines the role of financial digitalization in business performance and innovation among ultra-micro, micro, and small enterprises in Indonesia.
In this edition of the Nawala SMERU, I recommend a policy brief that draws lessons from Indonesia’s response to the COVID-19 pandemic and proposes three strategies for building a more adaptive disaster management system.