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Abstract
Badan Usaha Milik Negara ("BUMN") di Indonesia merupakan salah satu penopang perekonomian negara. Penting bagi pemerintah untuk selalu mengoptimalkan kinerja BUMN di Indonesia untuk meningkatkan perekonomian negara, salah satunya melalui restrukturisasi BUMN dengan membentuk holding company. Di penghujung tahun 2020, pemerintah melalui Menteri BUMN menunjukkan antusiasnya dengan memaparkan rencana holding BUMN di bidang keuangan antara PT Bank Rakyat Indonesia Tbk, PT Pegadaian (Persero), dan PT Permodalan Nasional Madani (Persero). Tujuan utama dari rencana holding company adalah untuk membangun ekosistem bagi bisnis ultra-mikro sehingga layanan keuangan formal dapat tercapai. Mengingat pentingnya keberadaan UMK-M di Indonesia untuk menunjang perekonomian negara, maka perlu dikaji secara mendalam pengaruh rencana perusahaan holding company BUMN di bidang keuangan terhadap pemberdayaan UMK-M.
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