Digitalization, AI Adoption, and MSME Productivity: An Ibn Khaldunian Perspective
DOI:
https://doi.org/10.22373/share.0060Keywords:
Ibn Khaldun, Asabiyyah, Digital Transformation, Artificial Intelligence, MSMEsAbstract
Micro, Small, and Medium Enterprises (MSMEs) in Indonesia face persistent challenges in improving labor productivity amid rapid digital transformation and the expansion of artificial intelligence (AI). Although digitalization has increased substantially, its productivity effects remain uneven across provinces and are influenced by institutional, cultural, and religious contexts. Grounded in Ibn Khaldun’s concepts of asabiyyah and tadbir al-‘umran, this study examines the relationship between digitalization, AI adoption, and MSME labor productivity while assessing the moderating role of religiosity. The study employs an explanatory quantitative approach using provincial-level panel data during 2020–2023. The primary estimation uses a fixed-effects model with robust standard errors, complemented by exploratory analyses using Double Machine Learning, Causal Forest, and XGBoost. The findings show that digitalization has a positive and significant effect on labor productivity, whereas AI adoption has not yet generated measurable productivity gains. Religiosity marginally weakens the relationship between digitalization and productivity, indicating transitional adaptation frictions within highly normative environments rather than resistance to technology. These findings suggest that sustainable productivity gains depend not only on technological adoption, but also on institutional capacity, ethical governance, and collective learning mechanisms. The study contributes to the digital transformation literature by extending Ibn Khaldun’s institutional perspective and offers policy insights for strengthening sustainable MSME digital ecosystems in Indonesia.
ABSTRAK - Digitalisasi, Adopsi AI, dan Produktivitas UMKM: Perspektif Ibn Khaldun. Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia menghadapi tantangan dalam meningkatkan produktivitas tenaga kerja di tengah percepatan transformasi digital dan perkembangan kecerdasan buatan (artificial intelligence/AI). Meskipun digitalisasi berkembang pesat, dampaknya terhadap produktivitas masih berbeda antarprovinsi dan dipengaruhi oleh faktor institusional, budaya, dan religiositas. Berlandaskan konsep asabiyyah dan tadbir al-‘umran dari Ibn Khaldun, penelitian ini menganalisis hubungan antara digitalisasi, adopsi AI, dan produktivitas tenaga kerja UMKM serta menguji peran moderasi religiositas. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data panel tingkat provinsi selama periode 2020–2023. Estimasi utama dilakukan melalui model fixed effects dengan robust standard errors dan dilengkapi analisis eksploratif menggunakan Double Machine Learning, Causal Forest, dan XGBoost. Hasil penelitian menunjukkan bahwa digitalisasi berpengaruh positif dan signifikan terhadap produktivitas tenaga kerja, sedangkan adopsi AI belum menunjukkan dampak yang signifikan. Religiositas memoderasi hubungan digitalisasi dan produktivitas secara negatif marginal, yang mencerminkan friksi adaptasi dalam lingkungan dengan kohesi normatif tinggi, bukan penolakan terhadap teknologi. Temuan ini menunjukkan bahwa keberhasilan transformasi digital bergantung pada kapasitas kelembagaan, tata kelola etis, dan mekanisme pembelajaran kolektif. Studi ini memperluas perspektif institusional Ibn Khaldun dalam kajian transformasi digital serta memberikan implikasi kebijakan bagi penguatan ekosistem digital UMKM yang berkelanjutan di Indonesia.
References
Al-Emran, M., & Griffy-Brown, C. (2023). The role of technology adoption in sustainable development: Overview, opportunities, challenges, and future research agendas. Technology in Society, 73, 102240. https://doi.org/10.1016/j.techsoc.2023.102240
Alavi, M., Leidner, D. E., & Mousavi, R. (2024). A knowledge management perspective of generative artificial intelligence. Journal of the Association for Information Systems, 25(1), 1–12. https://doi.org/10.17705/1jais.00859
Ali, J. (2023). Does religiosity affect entrepreneurial intention across countries? International Journal of Sociology and Social Policy, 43(11/12), 1218–1238. https://doi.org/10.1108/IJSSP-11-2022-0303
Asosiasi Penyelenggara Jasa Internet Indonesia. (2024). Jumlah pengguna internet Indonesia tembus 221 juta orang. https://apjii.or.id/berita/d/apjii-jumlah-pengguna-internet-indonesia-tembus-221-juta-orang
Athey, S., & Wager, S. (2018). Estimating treatment effects with causal forests: An application. Proceedings of the National Academy of Sciences, 115(11), 2237–2242. https://doi.org/10.1073/pnas.1510489115
Aulia, R., Ibrahim, A., & Tarigan, I. R. R. (2020). Operasionalisasi lembaga keuangan baru dan dampaknya terhadap pertumbuhan usaha mikro. JIHBIZ: Global Journal of Islamic Banking and Finance, 2(1), 57–81. https://doi.org/10.22373/jihbiz.v2i1.8579
Badan Pusat Statistik. (2020–2023). Statistik e-commerce (edisi 2020–2023). https://www.bps.go.id
Badan Pusat Statistik. (2023). Hasil survei budaya organisasi Badan Pusat Statistik 2022. https://www.bps.go.id/id/publication/2023/09/01/aeb2073a27513ef51b84ebaf/hasil-survei-budaya-organisasi-badan-pusat-statistik-2022.html
Chernozhukov, V., Chetverikov, D., Demirer, M., Duflo, E., Hansen, C., Newey, W., & Robins, J. (2022). Double/debiased machine learning for treatment and structural parameters. The Econometrics Journal, 25(3), C1–C38. https://doi.org/10.1093/ectj/utac018
Chourasiya, R., & Malviya, R. K. (2025). Factors influencing technology adoption for sustainability in manufacturing firms: An empirical analysis and literature review. Sustainable Development. Advance online publication. https://doi.org/10.1002/sd.3298
Coco, N., Colapinto, C., & Finotto, V. (2023). Fostering digital literacy among small and micro-enterprises: Digital transformation as an open and guided innovation process. R&D Management, 54(2), 265–281. https://doi.org/10.1111/radm.12645
Diptyana, P., Rokhmania, N., & Herlina, E. (2022). Financial literacy, digital literacy and financing preferences role to micro and small enterprises’ performance. International Journal of Entrepreneurship and Business Development, 5(2), 346–359. https://doi.org/10.29138/ijebd.v5i2.1814
Duranti, A. (1997). Linguistic anthropology. Cambridge University Press.
Felix, G., & Gabriel, M. (2024). Artificial intelligence-driven competitiveness: Enhancing SME performance in the global market. International Journal of Business Analytics and Intelligence, 12(1), 45–58.
Foley, W. A. (1997). Anthropological linguistics: An introduction. Blackwell Publishers.
Gélinas, D., Sadreddin, A., & Vahidov, R. (2022). Artificial intelligence in human resources management: A review and research agenda. Proceedings of the Association for Information Systems, 14(6), 1–16. https://doi.org/10.17705/1pais.14601
Hasan, R. R., Samdin, N., Wonua, A. N., & Hatani, L. (2022). Moderating role of Islamic work ethics on innovation and entrepreneurial orientation. Quality – Access to Success, 23(188), 270–278. https://doi.org/10.47750/QAS/23.188.38
Hendrawan, S. A., Chatra, A., Iman, N., Hidayatullah, S., & Suprayitno, D. (2024). Digital transformation in MSMEs: Challenges and opportunities in technology management. Jurnal Informasi dan Teknologi, 6(2), 141–149. https://doi.org/10.60083/jidt.v6i2.556
Ibn Khaldun. (1967). The Muqaddimah: An introduction to history (F. Rosenthal, Trans.; 2nd ed., Vols. 1–3). Princeton University Press. (Original work published 1377).
Irmawati, A., & Jaharuddin, J. (2024). Integrating Islamic values in digital business practices: Toward ethical transformation in Indonesia. Journal of Islamic Economics and Business Studies, 5(1), 55–70.
Kamar Dagang dan Industri Indonesia. (2024). Kadin pushes MSME digitalization to boost business. Antara News. https://en.antaranews.com/news/311835/kadin-pushes-msme-digitalization-to-boost-business
Kamri, N. A., Ramlan, S., & Ibrahim, A. (2014). Qur’anic work ethics. Journal of Usuluddin, 40, 135–172. https://doi.org/10.22452/usuluddin.vol40.6
Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia. (2024). Puluhan juta UMKM telah bertransformasi digital. https://rri.co.id/umkm/1047154/kemenkopukm-catat-puluhan-juta-umkm-telah-bertransformasi-digital
Kusuma, A. D., Nurdiono, N., Fajar, G., Agrianti, K., & Yuliansyah, Y. (2021). Effects of strategic performance measurement system and Islamic work ethics on firm performance. Ilkogretim Online, 20(6), 781–796. https://doi.org/10.17051/ilkonline.2021.06.081
Onjewu, A.-K. E., Anosike, P., & Godwin, E. S. (2023). The mediating role of planned behaviour in the religiosity and nascent entrepreneurship nexus. International Journal of Entrepreneurial Behavior & Research, 29(8), 1950–1969. https://doi.org/10.1108/IJEBR-08-2022-0771
Petre, A.-G. (2025). Artificial intelligence: A new era of human resource management for enhancing employee efficiency in the healthcare sector. Revista de Management Comparat International, 26(3), 529–537. https://doi.org/10.24818/RMCI.2025.3.529
Rehman, F. U., Ismail, H., Al Ghazali, B. M., Asad, M. M., Shahbaz, M. S., & Zeb, A. (2021). Knowledge management process, knowledge-based innovation: Does academic researcher’s productivity mediate? PLOS ONE, 16(4), e0261573. https://doi.org/10.1371/journal.pone.0261573
Riza, A., Ibrahim, A., & Azhar, F. (2022). Teknologi informasi dan kualitas layanan mempengaruhi tingkat kepuasan nasabah bank syariah. JIMEBIS: Scientific Journal of Students Islamic Economics and Business, 3(1), 7–15. https://doi.org/10.22373/jimebis.v3i1.247
Salesforce. (2023). Asia Pacific AI readiness index 2023. https://www.salesforce.com/content/ dam/web/en_sg/www/documents/pdf/salesforce_ai_readiness_index_2023.pdf
Senadjki, A., Ogbeibu, S., Mohd, S., Au Yong, H. N., & Awal, I. M. (2023). Harnessing artificial intelligence for business competitiveness in achieving sustainable development goals. Journal of Asia-Pacific Business, 24(3), 149–169. https://doi.org/10.1080/10599231. 2023.2220603
Suyanto, B., Sugihartati, R., Egalita, N., Mas’udah, S., Singgih, D. S., & Sudarso. (2023). Digital literacy and survival mechanism of micro-small enterprises in practicing sharing economy. Cogent Social Sciences, 9(1), 2185647. https://doi.org/10.1080/23311886.2023.2185647
Utami, A. P., Ibrahim, A., & Adnan, M. (2024). Penerapan prinsip-prinsip good governance dan penanggulangan tingkat kemiskinan di Kabupaten Aceh Barat. Journal of Law and Economics, 3(2), 83–98. https://doi.org/10.56347/jle.v3i2.221
Wang, Z., & Surienty, L. (2024). Unveiling artificial intelligence (AI)-recruitment processes in HRM practices on job applicants’ satisfaction. Global Business and Management Research, 16(4s), 417–434.
Wooldridge, J. M. (2015). Introductory econometrics: A modern approach (6th ed.). Cengage Learning.
Wu, M. (2024). Human resource management optimization strategies for diverse work environments based on artificial intelligence. Applied Mathematics and Nonlinear Sciences, 9(1), 1–14. https://doi.org/10.2478/amns-2024-2556
Wulan, T. S., Putri, R. A., & Solihin, D. A. (2024). Digital transformation as a catalyst for SMEs productivity and profitability in the digital era. Journal of Economics, Entrepreneurship, and Strategic Studies, 5(4), 112–126. https://doi.org/10.62794/je3s.v5i4.4543
Yadav, A., & Nigam, A. (2025). Navigating AI adoption in recruitment for driving organizational performance: A systematic literature review. Delhi Business Review, 26(1), 65–78. https://doi.org/10.51768/DBR.V26I1.261202506
Yousaf, M. (2024). Human capital efficiency and firm performance of quality-certified firms: A dynamic panel data study. Organizacija, 57(2), 95–109. https://doi.org/10.2478/orga-2024-0007
Zhang, P. (2024). Application of artificial intelligence (AI) in recruitment and selection: The case of Company A and Company B. Journal of Business and Management Studies, 6(3), 224–225. https://doi.org/10.32996/jbms.2024.6.3.18
Downloads
Published
Issue
Section
Categories
License
Copyright (c) 2026 Feriandy Feriandy (Author)

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
SHARE allows the author(s) to hold the copyright and to retain the publishing rights without restrictions. Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal a right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC-BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work



