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September 22, 2026
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September 29, 2026
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Abstract

Micro, Small, and Medium Enterprises (MSMEs) in North Minahasa are vital to the local economy, providing jobs and ensuring social and economic stability. With 4,170 active units and the designation of Likupang as a priority tourism destination, the sector has enormous potential to grow in tourism, culinary, and crafts. However, these MSMEs face significant challenges. Limited access to formal financing is a major hurdle, forcing many to rely on high-interest informal loans due to strict bank requirements. A lack of financial and managerial literacy further complicates this, preventing proper bookkeeping and business planning, and thus hindering access to formal credit. Other key issues include low digital adoption and limited market access. Most businesses only use basic social media for marketing, with poor digital literacy and infrastructure as hindrances. Additionally, a lack of product certification, quality standards, and proper branding makes it difficult to enter modern markets. The absence of a strong business ecosystem and partnerships also leaves MSMEs without the collaborative support needed to compete effectively. These challenges are interconnected, from a lack of financial literacy preventing loan access to poor product quality hindering partnerships. The methodology used in this study involves a literature review and an analysis of the 2024 Regional Competitiveness Index (RCI) data. The RCI is a crucial instrument developed by the National Research and Innovation Agency (BRIN) to measure competitiveness at the provincial and regency/city levels. It provides a comprehensive evaluation of regional productivity by adopting the framework of the 2019 Global Competitiveness Index (GCI) from the World Economic Forum (WEF). This framework has been carefully adapted to fit the specific context and characteristics of Indonesia's regions. This approach ensures a robust and relevant assessment of local economic dynamics. The findings of this study show that the North Minahasa Regency Government needs to implement a holistic, collaborative, and inclusive policy strategy. This approach should focus on several key areas. First, it is crucial to expand access to financing through innovative and more flexible schemes, while also building business capacity through structured training supported by universities and other institutions. Second, digital transformation must be promoted, along with product diversification, certification, and integration into local e-catalogs and existing e-commerce platforms. Finally, strengthening the ecosystem is essential, which can be achieved by establishing business incubation centers, creating an integrated data system across local government agencies, and empowering women and local communities.

Keywords

Policy strategy Inclusive financing Financial literacy MSME digitalization Market access expansion

Article Details

References

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