Universitas Yos Soedarso
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Sampul Yos Soedarso Economic Journal Yos Soedarso Economic JournalVol. 8 No. 1 (2026) · e-ISSN 2684-9720

ARTIKEL PENELITIAN · Vol. 8 No. 1 (2026)

Kendala Pemberdayaan UMKM Bengkel Motor: Analisis Literasi Keuangan, Akses Teknologi Digital, dan Persaingan Industri Dalam Program Z Auto

  • Eny Rochmatulaili1 ✉
  • Robby Cahyadi1
  • Lia Pratiwi1
  • Altariq Ramadhan Gunawan1
  • Dedi Eko Firmansyah1
  • Sugeng1
  • Rezhanva Abim Mardyatna1
  1. Program Studi Manajemen, Fakultas Ekonomi Universitas Yos Soedarso, Surabaya, Indonesia
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Abstrak

Micro, Small, and Medium Enterprises (MSMEs) play a significant role in the Indonesian economy, including the motorcycle repair sector. However, MSMEs in this sector face various obstacles, such as a lack of financial management literacy, limited access to digital technology, and intense competition with authorized ATPM workshops. This study aims to analyze the obstacles to empowering MSME motorcycle repair shops in the Z Auto program initiated by BAZNAS. The research method used a qualitative approach with data collection through interviews, observations, and document studies. The results show that low financial management literacy hinders systematic cash flow management and financial recording. Furthermore, limited access to digital tools, such as motorcycle scanners and diagnostic devices, affects the efficiency and quality of workshop services. Competition with authorized ATPM workshops is a major challenge due to their superior technology, distribution networks, and service standards. Nevertheless, the Z Auto program has proven effective in improving MSME performance through training and mentoring, although its sustainability requires ongoing support from various parties. This study recommends improving access to technology, financial literacy, and cross-sector collaboration to support the sustainable empowerment of MSME motorcycle repair shops.

Kata kunci: MSMEsmotorcycle repair shopsfinancial literacydigital technologyZ Autoempowerment

Referensi

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Cara mengutip

Rochmatulaili, E., Robby Cahyadi, Lia Pratiwi, Altariq Ramadhan Gunawan, Dedi Eko Firmansyah, Sugeng, & Rezhanva Abim Mardyatna (2026). Kendala Pemberdayaan UMKM Bengkel Motor: Analisis Literasi Keuangan, Akses Teknologi Digital, dan Persaingan Industri Dalam Program Z Auto. Yos Soedarso Economic Journal, 8(1), 56-69.