The Role of Bank Mandiri in Enhancing MSME Economic Development: A Territorial Mapping Study of the Pakem Branch
DOI:
https://doi.org/10.58812/wsis.v4i09.3130Keywords:
Territory Mapping, Banking Services, Digitalization, Local Economic Development, Pakem BranchAbstract
Micro, Small, and Medium Enterprises (MSMEs) play an important role in strengthening the local economy, yet their development is often constrained by limited access to financing, digital services, business formalization, and appropriate business assistance. This study aims to analyze the effectiveness of territory mapping implemented by Bank Mandiri KCP Sleman Pakem in identifying, grouping, and understanding the potential and needs of MSMEs, as well as its contribution to improving MSME-oriented banking services. This study employed a qualitative descriptive approach. Data were collected through interviews, field observations, and documentation involving eight key informants consisting of four internal bank personnel and four MSME actors. Data were analyzed through data reduction, data display, and conclusion drawing, with findings interpreted based on indicators of accessibility, accuracy, administrative effectiveness, and problem resolution. The results indicate that territory mapping supports more targeted customer identification, improves service accessibility, facilitates preliminary verification, and enables banking products and assistance to be better adapted to MSME characteristics. The approach also supports the use of digital services such as QRIS and Livin’ Merchant. The novelty of this study lies in positioning territory mapping not merely as a tool for expanding financing coverage, but as an operational strategy for integrating spatial information, MSME needs, digitalization, and responsive banking services at the branch level.
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