
The number of Indonesian MSMEs has reached more than 63 million, and 98% of them are small/micro entrepreneurs. Ironically, even though MSMEs contribute 60% of this country's Gross Domestic Product (GDP), generally they are not included in the value chain or production value chain. Many of them don't even have a bank account and have access to micro business credit which can actually help develop their business.
The role of Digital Transformation in connecting farmers, consumers and investors. The role of technology is important in order to collect data, distribute data on farmers and small traders to parties such as buyers or investors (such as banks), whose locations are spread throughout the archipelago. That way they can enter the business value chain.
Digital applications, for example, can also become aggregators connecting several market accesses (such as farmers, prospective buyers to capital providers such as banks), which provides added value in the form of guaranteed certainty to all these parties.
Technological issues, which initially seemed alien when compared to those engaged in agriculture, can now begin to enter the business ecosystem. So that later farmers can become part of the sharing economy.
Simply put, the sharing economy is the use of technology to facilitate the exchange of access to goods, services and value between two or more parties. The sharing economy business trend is nothing new. However, thanks to developments in technology and the internet, transactions can be carried out very easily.
Application platforms such as Gojek for example. The Gojek platform is very helpful for motorbike drivers who want to earn additional income while being supported by a company that has a good reputation and large exposure. These motorbike drivers enter the sharing economy value chain by utilizing technology.
Meanwhile, in the agricultural sector, applications such as TaniHub and TaniFund have started to collaborate with farmers and vegetable and fruit traders so they can enter the larger sharing economy.
Also read The Role of Digital Transformation in Disruptive Industries


