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KSPPS BMT Dana Mentari Purwokerto faces tight competition with other cooperatives such as PNM Mekar Sudagaran Sidareja in supporting MSMEs through sharia financing. This study analyzes the competitive position of BMT Dana Mentari using the Competitive Profile Matrix (CPM) and formulates a sharia-based business strategy. A descriptive qualitative approach is applied with data from interviews (May 2025), observations, and documents (OJK, 2025). The CPM results show that BMT Dana Mentari has a score of 3.25, superior to PNM Mekar (3.05), with strengths in sharia compliance and personal service. The main weakness is digital technology. The proposed strategies include digitalization of mobile applications (2026) and development of musyarakah products, in accordance with the itsar principle. This study provides guidance for sharia cooperatives to increase the competitiveness and empowerment of MSMEs.

Cloud-Based Accounting Systems (CBAS) are technological innovations that support digital transformation in financial management by increasing efficiency, transparency, and real-time data access. This system helps companies reduce manual recording errors, improve reporting accuracy, and accelerate data-based decision-making processes. In addition, CBAS also has advantages in terms of flexibility of use and compliance with accounting standards, making it a relevant solution for modern companies. Although CBAS offers many benefits, its implementation can also create a perception of technological superiority that does not fully reflect reality if it is not balanced with organizational and human resource readiness. Challenges often faced in implementing CBAS include dependence on cloud services, data security threats, and errors in system input or configuration that can lead to inaccurate financial reports. In addition, overly high expectations for automation can lead to neglect of manual supervision that is still needed to maintain the reliability of financial information. The success of CBAS implementation is highly dependent on a well-designed implementation strategy, adequate user training, and appropriate risk mitigation measures. With careful planning and a strategic approach, CBAS can serve as a tool that increases financial transparency and efficiency, not just a technology trend that provides no real benefits.

Angkot is one of the conventional forms of transportation that is often used by the public for mobility because the prices are affordable with a variety of routes and a lot of cargo. We can find Angkots easily in various city centers with units that are often many so they can be easily found. But at present, conventional transportation and online transportation, giving rise to many policies and also considerations from various parties involed in contributing betwen online and conventional parties. In all aspects, online transportation is far superios in all aspect, online transportation is far superior in all respects and in line with the deveplopment of the current era of globalization. So that the party that suffetrs the most is conventional transportation because with the times that continue to roll, angkot drivers need to survive and find solutions by taking rationalist actions to maintain the existence of angkot. Actions ned to be taken not only by the angkot driver as a party involed in this dynamic, but the intervention of the local goverment and also the trasportation agency is very important for the contribution of the angkot to balnce the social system in society. So that rationalist actions and also the role of local goverment are very important in supporting conventional transportations operations.