Dr. Latif Adam has been an economic researcher since 1993 at the National Research and Innovation Agency (BRIN)―formerly the Indonesian Institute of Sciences (LIPI). He obtained his Ph.D in Economics at the University of Queensland, Australia, in 2007. His research focused on small and medium enterprises, micro finance, industrial and public policy, and trade. His articles have been published in some leading journals and newspapers. He can be contacted at latif_adam@yahoo.com.au or lati001@brin.go.id with ORCID https://orcid.org/0000-0003-0090-4846.
Jiwa Sarana, SE, MM, is a researcher at the Research Center for Macroeconomics and Finance, National Research and Innovation Agency. He obtained his Master's in Management at the Gadjah Mada University of Yogyakarta. His research focused on small and medium enterprises and micro finance. He is active in conducting research and scientific publications in small and medium enterprises dan micro finance. He can be contact on saranajiwa@yahoo.com or jiwa001@brin.go,id with ORCID ID: https://orcid.org/0000-0002-1395-8248
Bitra Suyatno, SE, MM, DBA, is an analyst at Directorate of Banking, Financial Market, and Financing Companies Development, Directorate General of Financial Sector Stability and Development of Minister of Finance. He obtained a Master of Management degree from the Australian National University, Canberra, Australia in 2006 and a Doctor of Business Administration degree from the Victoria University, Melbourne, Australia in 2018. Since 1998, he has designed national policies for banking, financial institutions and MSMEs to foster their growth and contribution to the economy in Indonesia. His email: bitra.suyatno@kemenkeu.go.id and ORCID ID: htttps://orcid.org/0009-0002-5992-8981
Muhammad Soekarni, S.E., M.Si. is a senior researcher at the Research Center for Macroeconomic and Finance, National Research and Innovation Agency, and since 1997, as an economic researcher. He obtained a Master of Science as a postgraduate from the University of Indonesia and a Bachelor of Economics from the Faculty of Economics, the University of Andalas, Indonesia. In addition, the author is also active as a non-permanent lecturer at the Economics Faculty of the University of Tarumanegara, Jakarta. He is active in conducting research and scientific publications in micro finance, Islamic banking, small and medium enterprises, and economic development. His email: m.soekarni@brin.go.id and ORCID ID: https://orcid.org/0009-0002-8468-6814.
Joko Suryanto, S.E., M.Si. is a researcher at the Research Center for Macroeconomics and Finance, National Research and Innovation Agency. He obtained his Master's in Business Administration and Policy at the University of Indonesia. His research focused on economic development. He is active in conducting research and scientific publications in development economics and policy. He can be contacted at joko021@brin.go.id with ORCID ID: https://orcid.org/0000-0002-9044-4750.
Tuti Ermawati, S.E., M.S.E., is a researcher at the Research Center for Macroeconomics and Finance, National Research and Innovation Agency. She completed her Master of Economics at the University of Indonesia and Bachelor of Economics at the University of Sebelas Maret Surakarta, Indonesia. She has conducted many studies and research in the fields of microfinance, small and medium enterprises, and public policy. Her email: tuti005@brin.go.id and ORCID ID: https://orcid.org/0000-0001-7517-2905.
Yeni Saptia
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Erla Mychelisda, S.E., M.Bkg.Fin., is a researcher at the Research Center for Macroeconomics and Finance, National Research and Innovation Agency (BRIN), Indonesia. She holds a Master’s degree in Banking and Finance from Monash University, awarded through the Australia Awards Scholarship, and a Bachelor's Degree in Management from Universitas Jenderal Soedirman. Her research interests include Digital Economy, Banking and Finance, as well as Micro, Small, and Medium Enterprises (MSMEs). Her email: erla005@brin.go.id, and ORCID ID: https://orcid.org/0000-0001-6576-4982.
Lisa Angelia, S.Tr.Ak., is an analyst associate at the Directorate of Pension Fund, Insurance, and Actuarial Development under the Directorate General of Financial Sector Stability and Development, Ministry of Finance of the Republic of Indonesia. She earned her bachelor's degree in accounting from the Polytechnic of State Finance STAN. Her work focuses on financial inclusion, pension programs, and policies supporting micro, small, and medium enterprises (MSMEs). Her email: lisaangelia@kemenkeu.go.id and ORCID ID: https://orcid.org/0009-0008-4642-9618.
Drs. Mahmud Thoha, MA, APU, is a senior researcher at the Research Center for Macroeconomics and Finance, National Research and Innovation Agency. Completed his Master's Degree at the Faculty of Economics, University of Manchester, UK. He has conducted extensive research in Islamic economics and finance, as well as Small and Medium Enterprises. His email: mahm002@brin.go.id and ORCID ID: https://orcid.org/0000-0002-3503-0934.