Unraveling the empirical impact on MSMEs: Socio-economic characteristics, nudging application, and e-commerce adoption
Bibliographic record
Abstract
This study examined socio-economic factors affecting Micro, Small, and Medium Enterprises (MSME) e-commerce adoption, focusing on gender, income, and education. Using the 2022 National Socio-Economic Survey (Susenas) data, a logistic regression model was employed to analyze key determinants of e-commerce utilization. Additionally, an online survey of 550 MSMEs across 29 provinces was conducted to assess the impact of digitalization on business performance. In comparison, an offline study of 42 MSMEs with low digital adoption provided insights into the barriers hindering digital transformation. A natural experiment was conducted to evaluate the effectiveness of behavioral interventions in promoting the adoption of e-payments and e-commerce. The main contribution of this study lies in integrating large-scale national survey data with experimental approaches to provide a deeper understanding of digital adoption among MSMEs. Unlike previous studies focusing solely on socio-economic determinants, this research incorporated a digital nudging experiment to examine how targeted incentives influenced e-commerce participation. The findings revealed that digital transformation significantly enhanced MSME performance, particularly in turnover, product volume, customer base, and worker productivity. Socio-economic factors such as gender, household head status, and social media access significantly influenced digital adoption decisions. Behavioral nudging proved effective in increasing MSME participation in e-commerce. Although this study was limited to Susenas 2022 data and survey responses, it bridges a critical research gap by linking socio-economic factors with behavioral interventions in MSME digitalization. The findings offer key insights for policymakers in formulating evidence-based strategies to drive MSME digital transformation and e-commerce growth in Indonesia.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.004 | 0.013 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.001 | 0.002 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.003 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".