Effectiveness of Digitalization of the Business Capacity Development Program for the Improvement of Ultra Micro Benefits at PT PNM Banjarmasin Branch

Ultra Microfinance (UMi) is a strategic solution in improving access to capital for small and micro businesses that often find it difficult to obtain financing from formal financial institutions. This financing plays an important role in improving the welfare of the community by providing affordable and accessible capital. In the digital era, digitalization is a key factor in simplifying the financing process, from application to disbursement, so that financial inclusion can be significantly expanded. In addition, UMi financing also encourages the strengthening of a culture of entrepreneurship, especially among low-income communities, by providing business capital that encourages business growth. Business legality is also an important aspect of this financing, as businesses with clear legality tend to have easier access to financing and support business sustainability. This study aims to analyze how Ultra Microfinance, supported by digitalization, can improve community welfare through increased access to capital, strengthened entrepreneurial culture, and business legality