UMKM Survival Strategies for 2026: Maintaining Cash Flow and Efficiency

JAKARTA, KOMPAS.com - The Tangan Di Atas (TDA) business community projects that Indonesia’s economy in 2026 will still demonstrate considerable resilience, even amidst global pressures.

The Chairman of the Board of Trustees of the Tangan Di Atas (TDA) Community, Wisnu Dewobroto, stated that on a macro level, Indonesia’s economic growth will remain positive in the first quarter of 2026, supported by domestic consumption and investment.

“However, in the field, business actors, particularly UMKM, are experiencing more complex dynamics,” he told Kompas.com on Monday (4/5/2026).

On the other hand, according to the TDA community, growth feels uneven across UMKM sectors.

Meanwhile, business actors tend to be more cautious in their business expansions.

“In general, the current situation can be described as growing, but under pressure and full of caution,” he added.

From the consumer side, purchasing power is assessed as not yet fully recovered. This is evidenced by consumers being more rational in their consumption.

Amid the still sluggish conditions, operational costs are actually increasing. This increase is evident in several commodities such as raw materials, logistics, and energy.

Business owners are also facing regulatory uncertainties that ultimately can affect business confidence.

Therefore, business actors see the importance of consistency and certainty in government policies.

Wisnu also hopes for an expansion of ecosystem-based financing access for UMKM.

Furthermore, UMKM also expect incentives, particularly for digitalisation and export needs.