Conceptual Model of Banyumas MSME Resilience Against Contemporary Business Model Disruption

Abstract

Abstract - Micro, Small, and Medium Enterprises (MSMEs) in Banyumas face increasing disruption due to the emergence of modern business models driven by digital transformation. This study aims to develop a conceptual framework that enhances MSME resilience by identifying key adaptation strategies using a system dynamics approach. By mapping feedback loops through Causal Loop Diagrams (CLDs), the research identifies critical factors such as digital literacy, strategic partnerships, and technology investment that reinforce resilience. The study also highlights barriers like limited infrastructure and public digital literacy, which hinder transformation. Through system dynamics conceptual model, the model evaluates potential interventions including training programs, policy incentives, and collaborative ecosystems. The research lays a foundation for a predictive system dynamics model, guiding policymakers and stakeholders toward sustainable MSME development in Banyumas. Future stages will involve empirical validation, AI integration, and real-world implementation to build a decision-support tool that ensures adaptability amid digital disruption.

Keywords - MSMEs, Resilience, Modern Business Models, Digital Disruption, Business Adaptation.