Low-Cost Digital Business Models: A Study of Potential and Challenges

Ihsan Mulia Siregar* -  UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Sakila Bahar -  UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Putri Anggraini -  UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
Maulana Ali -  UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia
DOI : 10.24952/profjes.v4i2.17042
Transformasi digital telah membuka peluang baru dalam dunia kewirausahaan, terutama bagi individu yang ingin memulai bisnis dengan keterbatasan modal. Penelitian ini bertujuan untuk menganalisis secara mendalam peluang dan tantangan bisnis digital bermodal minim di Indonesia. Menggunakan pendekatan deskriptif kualitatif, metode Systematic Literature Review (SLR) digunakan untuk menelaah berbagai literatur yang relevan, serta dilengkapi dengan wawancara kepada pelaku usaha digital skala kecil. Hasil penelitian menunjukkan bahwa model bisnis seperti e-commerce, dropshipping, pemasaran afiliasi, dan jasa digital (desain grafis, penulisan konten, dll.) menawarkan fleksibilitas tinggi dan efisiensi operasional tanpa memerlukan investasi fisik besar. Teknologi digital juga memungkinkan UMKM menjangkau pasar yang lebih luas melalui media sosial dan platform daring lainnya. Namun demikian, terdapat sejumlah tantangan seperti persaingan pasar yang ketat, keterbatasan literasi digital, kendala dalam membangun kepercayaan konsumen, serta keterbatasan modal untuk ekspansi usaha. Untuk mengatasi tantangan tersebut, pelaku usaha dituntut untuk memiliki pemahaman tentang strategi pemasaran digital, keterampilan teknologi, serta inovasi berkelanjutan. Kesimpulannya, bisnis digital bermodal kecil dapat menjadi solusi inklusif dalam mendorong pertumbuhan ekonomi dan memperluas kesempatan kerja di era digital.

Kata Kunci: Bisnis Digital, Modal Minim, Kewirausahaan, UMKM, Literasi Digital.

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