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This article discusses the impact of Islamic microfinance on the welfare of micro, small, and medium enterprises (MSMEs) in Indonesia. The research aims to examine how sharia-based financing schemes contribute to the development and sustainability of MSMEs. This qualitative-descriptive study used literature review and documentation methods. Findings indicate that Islamic microfinance through contracts such as murabahah and mudharabah significantly enhances business productivity and financial independence of MSME actors. It also strengthens ethical business behavior and local economic growth. However, implementation challenges remain, particularly in terms of financial literacy and institutional outreach. The study recommends broader digital-based Islamic financial inclusion to reach underserved communities. These results are relevant for stakeholders interested in sustainable economic empowerment through sharia finance.

This research uses a descriptive qualitative method with a case study approach to analyze the influence of soft skills and digital marketing skills on the performance of MSMEs in the creative economy era. Theories used in this research include competency theory and organizational performance theory. This study focuses on understanding how interpersonal abilities (soft skills), such as communication, creativity, and leadership, along with digital skills such as the use of social media, e-commerce, and digital branding, can enhance the competitiveness and productivity of MSMEs. The results show that MSME actors with strong soft skills are able to build strong customer relationships and create added value in their products, while digital skills support operational efficiency and broader market reach. The integration of these two skill sets significantly contributes to the improvement of MSME performance, particularly in terms of sales, customer satisfaction, and business growth. Therefore, the development of soft skills and digital skills is a crucial strategy to support the sustainability of MSMEs amid the increasingly dynamic competition in the creative economy.

Micro, Small, and Medium Enterprises (MSMEs) have a strategic contribution to economic equality and job creation, especially in rural areas. However, limitations in mastering digital technology, especially in marketing, are still a major challenge for MSMEs in Pepelegi Village, Sidoarjo. This community service activity aims to increase the digitalization capacity of MSMEs through training and mentoring in utilizing Google Maps as a promotional media. The method used in this study is Participatory Action Research (PAR), which includes observation, interviews, training, and evaluation. The location of the activity focused on the MSME Warkop Pojok SR in Pepelegi Village, involving the active participation of local business actors. The results of the activity showed an increase in participants' knowledge and skills in creating and managing business profiles on Google Maps. This has a positive impact on business visibility and the potential for increasing income. Digitalization through Google Maps not only makes it easier for consumers to find business locations, but also provides information regarding operating hours, customer reviews, and business contacts. Thus, this activity is expected to be a model for empowering MSMEs based on digital technology that can be replicated in other areas. The sustainability of the program can be strengthened through cross-sector collaboration to support the acceleration of MSME digital transformation.

Community service activities (PKM) located in Kempreng Rt26Rw 02, Tanjungsari village, Taman District, Sidoarjo Regency. This community service activity (PKM) aims to empower MSMEs in optimizing social media to market products, then provide direction so that MSME actors have and optimize social media accounts for business or can use them effectively and efficiently. This activity is expected to provide understanding and the ability of MSME actors in Bakar Rama and Seblak julid in using social media optimally so that it has an impact on business development and increases profits. This activity uses the Participatory Action Research (PAR) approach method which includes: interviews to find out the SWOT or problems faced by MSME actors in Bakar Rama and Seblak julid related to social media, making posters of product menus sold then making content about the products they sell, creating social media accounts and optimizing them. This PKM activity has been carried out smoothly according to the goals to be achieved, and getting good results. The results of this activity are that MSME actors understand how to use social media optimally, expand sales, and the products sold can be known to many people. However, there is one MSME that is less interested in using social media other than WhatsApp.

Community service activities (PKM) located in Kempreng Rt26Rw 02, Tanjungsari village, Taman District, Sidoarjo Regency. This community service activity (PKM) aims to empower MSMEs in optimizing social media to market products, then provide direction so that MSME actors have and optimize social media accounts for business or can use them effectively and efficiently. This activity is expected to provide understanding and the ability of MSME actors in Bakar Rama and Seblak julid in using social media optimally so that it has an impact on business development and increases profits. This activity uses the Participatory Action Research (PAR) approach method which includes: interviews to find out the SWOT or problems faced by MSME actors in Bakar Rama and Seblak julid related to social media, making posters of product menus sold then making content about the products they sell, creating social media accounts and optimizing them. This PKM activity has been carried out smoothly according to the goals to be achieved, and getting good results. The results of this activity are that MSME actors understand how to use social media optimally, expand sales, and the products sold can be known to many people. However, there is one MSME that is less interested in using social media other than WhatsApp.

This research aims to describe the implementation of digital transformation in marketing strategies among micro, small, and medium enterprises (MSMEs) in the culinary sector, using Nomnom Kitchen in Bandarlampung City as a case study. Employing a qualitative approach with data collection techniques including interviews, observations, and documentation, the research explores the firsthand experiences of business actors in transitioning from conventional to digital marketing. The findings reveal that MSME actors face complex dynamics throughout the digitalization process, involving internal challenges such as limited human resources and digital content management, as well as external opportunities like expanded market reach. Digital transformation emerges as a strategic tool that enhances promotional efficiency, strengthens customer engagement, and fosters a business model that is more responsive to technological advances. The study highlights the importance of digital training and the enhancement of entrepreneurial capacity to optimize the digital potential of MSMEs.

Sumber Kejayan Village is one of the villages in Mayang District which has a livelihood as a farmer. In Krepek Tempe UMKM , there is a problem, namely the lack of ability to use technology nowadays, so the ability of UMKM to carry out marketing is limited. The aim of this service is to introduce Krepek Tempe products to a wider market by assisting with the implementation of digital branding such as packaging development, creating a product logo. In this service, the methods used are observation, socialization, discussion and brand design, training and mentoring for Krepek Tempe UMKM actors. From the activities carried out, Krepek Tempe products have become more attractive and of course can have a positive impact and improve the economy of local village residents.

Tegalwaru Village in Ciampea District, Bogor Regency, possesses substantial potential for sustainable Micro, Small, and Medium Enterprise (MSME) development, yet faces challenges in marketing and digital adoption. This study aims to analyze the progress of MSMEs in Tegalwaru, focusing on production, marketing strategies, and ecotourism integration to enhance economic growth. Using a qualitative descriptive approach, data was collected through in-depth interviews with MSME actors, field observations, and document analysis. Findings indicate that while MSMEs have advanced in product diversification and production capacity, their growth is hindered by limited digital marketing skills and inadequate access to capital. Conversely, the village’s rich natural and cultural resources present significant opportunities for ecotourism, which could synergize with MSMEs to boost local income sustainably. The study highlights the need for targeted interventions, including digital literacy training, improved financing access, and collaborative efforts among MSMEs, local government, and tourism stakeholders. By strengthening these aspects, Tegalwaru can achieve holistic MSME development, fostering economic resilience and community welfare. The research underscores the importance of integrating MSMEs with ecotourism as a strategy for inclusive and sustainable rural development.

Culinary micro, small, and medium enterprises (MSMEs) in Banjarnegara face significant challenges in managing innovations and implementing adequate hygiene standards. The limited knowledge and skills of MSME actors in these two aspects have an impact on low competitiveness and business sustainability in the midst of increasingly fierce market competition. This community service program aims to increase the capacity of culinary MSMEs through innovation management training and the implementation of hygiene standards. The program methodology includes a series of workshops, training sessions, and hands-on mentoring that are designed in a participatory and contextual manner according to local needs. The training material is comprehensively arranged, covering theoretical and practical aspects relevant to the characteristics of culinary MSMEs in Banjarnegara. The results of the program implementation showed a significant increase in participants' understanding of the importance of product innovation and the implementation of hygiene standards. The real impact of this program can be seen in improving product quality and variety, production process efficiency, and increasing revenue by 30-50% within six months after training. In addition, there has been a change in business behavior that is more adaptive and sustainability-oriented. The success of this program confirms the importance of a structured and participatory approach in empowering MSMEs, and shows that interventions based on local needs can produce significant economic and social impacts. The implementation model of this program has the potential to be replicated for the development of MSMEs in other sectors and regions with appropriate contextual adjustments.

The Entrepreneurship Seminar held by Post 7 MiT-19 KKN UIN Walisongo in Bedono Village is part of the community empowerment program, especially in supporting the progress of Micro, Small, and Medium Enterprises (MSMEs). This activity raised the theme "Digital Branding Strategy for MSMEs in Bedono Village" with the goal of increasing the insight and skills of MSME actors in optimizing digital media as a product promotion and marketing tool. This seminar was carried out through the delivery of materials, discussion of case studies, and direct practice of digital content creation. The results of the activity showed an increase in participants' understanding of the importance of building brand identity, the use of social media, and the proper implementation of digital marketing strategies. This activity is expected to be the first step to encourage local MSMEs to be able to compete more widely through digital brand strengthening.

Food safety is a fundamental aspect in the culinary industry that plays a direct role in consumer health and business sustainability. However, culinary Micro, Small, and Medium Enterprises (MSMEs) often lack understanding of the importance of food safety standards and good sanitation practices. This community service activity aims to increase the awareness, knowledge, and skills of culinary MSME actors in implementing food safety principles as a whole. The methods used include theoretical and practical training, intensive assistance, and improvements to hygiene supporting facilities and infrastructure. A participatory and comprehensive approach is applied to ensure the active involvement of MSME partners in every stage of activities. This activity has significantly improved partner understanding, with pre-test and post-test scores showing an increase of 35%. As many as 90% of partners are able to demonstrate hygiene practices that meet standards, such as the use of personal protective equipment, raw material management, and sanitation of the work environment. In addition, the consumer satisfaction survey showed that 85% of respondents felt an improvement in the quality of culinary products after business actors implemented food safety principles. These results reflect the success of activities in forming a sustainable hygiene culture among culinary MSME actors. The holistic approach applied has proven to be effective in changing behavior and improving hygiene practices of business actors. This activity not only has an impact on improving product quality and consumer trust, but also strengthens the competitiveness of culinary MSMEs in a market that increasingly demands high quality standards. Thus, this community service makes a real contribution to strengthening the capacity of culinary MSMEs through the implementation of sustainable food safety.

Micro, Small, and Medium Enterprises (MSMEs) play a highly strategic role in economic development in Indonesia. According to data from the Ministry of Cooperatives and SMEs, MSMEs contribute more than 60% to Indonesia's Gross Domestic Product (GDP) and employ nearly 97% of the total workforce. MSMEs also serve as the backbone of the national economy, particularly in creating new jobs and driving the economy in rural areas. Amidst the challenges of globalization and technological development, MSMEs are required to continuously adapt to compete in both domestic and international markets. With this program, it is hoped that MSMEs in Lewomada Village will not only be able to survive the competition but also thrive and become a driving force for the village economy. Furthermore, this program is also expected to encourage Lewomada Village to become a successful example of digital-based MSME development in rural areas. The goal of this activity is to equip participants from each MSME group with knowledge and expertise in marketing management and to provide them with the skills and knowledge to carry out their role as business actors professionally through digital marketing development strategies. MSMEs in Lewomada Village have significant potential for growth through digital marketing. Increased knowledge of social media, marketplaces, and digital marketing strategies provides new opportunities to reach a wider market and increase revenue. However, successful digital marketing implementation still faces challenges such as limited internet infrastructure, technical capabilities, and consistency in implementing digital marketing strategies. With proper management and ongoing support, MSMEs in Lewomada Village can develop and become more competitive in the digital era

MSMEs are a major component of a country's economy. The large contribution of MSMEs to economic development in Indonesia requires MSME players to keep trying and always be ready to compete with other MSMEs. This study aims to determine the effect of financial literacy, digital payments, use of e-commerce and accounting information systems on the business performance of culinary MSMEs in the city of Semarang. The population of this study amounted to 98 culinary MSMEs, sampling using purposive sampling method with the criteria of using digital payments, using e-commerce and accounting information systems. The data was analyzed using multiple linear regression analysis with JASP software. The results of this study indicate that the variables of e-commerce usage and accounting information systems have a positive and significant impact on business performance, so that any increase in these variables will improve MSME business performance. The financial literacy variable has a positive and insignificant effect on business performance, so it is necessary to increase the financial literacy of business actors. Meanwhile, the digital payment variable has a negative and insignificant impact on business performance, indicating a lack of understanding of MSME actors and consumers of the use of digital payments.  

UMKM are one form of micro, small, and medium enterprises that are formed because of someone's personal desire. UMKM actors must strive to increase competitive advantage, UMKM must increase adaptation to currently developing technology, increase the ability to use social media and digital marketing, increase product innovation, and expand the market are some of the right steps that are worthy of being taken by UMKM actors. This is worthy of being implemented in order to increase the selling value of UMKM, especially in order to be able to compete with foreign products that are increasingly flooding the national market, considering that UMKM are an economic sector that is able to reduce unemployment (Sudaryanto. 2011). UMKM through digital marketing development can help the community increase income so that they can follow the development of entrepreneurship. The method in implementing UMKM empowerment activities is carried out using observation, surveys, questionnaires, and interviews. The results of this empowerment are that this activity was attended by UMKM Cihil Food which has 10 members, socialization of social media and digital marketing through the creation of a special website for UMKM Cihil Food which is combined with Barcode (QR) innovation. Based on this activity, it was found that in improving the welfare of UMKM, what must be done is to make maximum use of technology, improve the community economy, and improve human resources.

This community service program aims to provide training in preparing simple financial reports to MSMEs in Banyumas Regency. This activity, which was attended by 20 MSMEs in the culinary sector, focused on increasing understanding of SAK-EMKM, direct practice in preparing financial reports, and assistance related to financial management. The obstacles faced by MSME partners are partly related to minimal capital and marketing. From the capital sector, basically with the existence of financial reports, it is able to bridge financial problems. In addition, information regarding access to capital and HR development strategies was also conveyed. The results of the activity showed an increase in understanding and skills of MSME actors in preparing financial reports, which are expected to support business growth and their competitiveness in the market. Assistance in preparing financial reports for MSMEs is a method to align the problems that arise to make MSMEs in Indonesia more advanced and synergize in building Indonesia.

Technology always experiences changes along with the times, changes in technology have a dynamic nature so that new innovations can emerge to create a technology that facilitates human activities in various sectors of activity such as industry, agriculture, education, and no less the economic sector which feels the impact of existing technological developments. The manifestation of these technological developments in the economic sector, namely e- commerce applications in the form of Shopee, the application of these applications during the industrial revolution 4.0 is expected to have an impact on society and especially UMKM actors to further develop a more creative economy so that they can open up employment opportunities as a whole for all levels and community elements, besides that the presence of the Shopee application can provide a new idea for the community so that they can be more independent and not depend on the government. Nowadays, everything is digital, both in cities and villages, in this case the presence of the Shopee application can be a new step for village governments to be able to take advantage of this application to take advantage of developing the economy in villages by developing the existing UMKM sector by utilizing technology. The existing one is the Shoppe application. In this case Pakel Village together with the East Java KKNT 09 UPN Veterans group created an account on the Shopee application to integrate UMKM products in Pakel Village, Jombang Regency. more widely known by the community both outside Pakel Village and outside the City of Jombang, so that UMKM in Pakel Village are ready to compete and develop in the industrial era 4.0.

The background of this reseacrh is that there is a significate in the use of the internet lately that UMKM (Usaha Mikro Kecil dan Menengah) must be aware of, the impact of whisch is urgency of digital marketing as a solution to marketing media anxiety in supporting the promotion of sales of goods. This stigma strengthens the marketing carried out by UMKM actorst to be advanced and important to implement. Among them is the emergence of the use of social chat, E-businnes, social media, E-commerce, and so forth. The purpose of this research is so identify the use of capcin and jus 89 UMKM after applying digital marketing. This research method uses qualitative methods with a case study approach. Data collection techniques obtained through documentation, interviews, and observation. Meanwhile, checking the validity of the data is based on triangulation of techniques and sources. This data analysis here is applying Milles and Huberman’s data analysis. As for the results of this study, data was obtained that the effect of digital marketing on the income of UMKM capcin and jus 89 in Kediri City was significate, which was known from the increase in sales and high consumer interest.

This study was conducted to determine financial management training to improve effectiveness and efficiency using the Ngecash.id website in Micro, Small, and Medium Enterprises (MSMEs) located in Girikerto Village, Sleman. In this study, data sources were obtained from primary data and secondary data. Data were analyzed using descriptive analysis methods. The conclusion of this study is to conduct training on financial management for MSME actors in increasing knowledge digitally through the Ngecash.id website with the output produced in the form of payment receipts or Bills and recording sales reports.

This study aims to evaluate the influence of financial literacy, financial technology, and financial behavior on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Sleman Regency, Yogyakarta Special Region. The approach used is descriptive quantitative, with primary data obtained through distributing questionnaires to 215 active MSME players. Data analysis was conducted using the Partial Least Square (PLS) method to assess the relationship between variables. The research findings indicate that financial literacy and financial behavior have a positive and significant impact on the financial performance of MSMEs. A good level of financial literacy helps businesses in preparing thorough financial reports, managing risks, and making the right financial decisions. Meanwhile, financial behaviors such as budget management, transaction recording, and regular financial evaluation have been proven to improve the stability and growth of business finances. On the other hand, the use of financial technology did not show a significant effect on financial performance, which may be due to the low level of understanding and access to such technology among MSME actors. The results of this study emphasize the importance of comprehensive counseling and training on financial literacy and the use of financial technology to improve the competitiveness and sustainability of MSMEs in the face of increasingly competitive market challenges.

This study aims to determine the effect of financial management (X1), application of accounting information systems (X2), quality of human resources (X3), utilization of e-commerce (X4) on financial performance (Y) Culinary UMKM in Solo City. The samples taken were 100 respondents, using the slovin formula. The method used in this data analysis technique uses instrument data testing, classical assumption testing, multiple linear regression and hypothesis testing. The method of collecting data is by distributing questionnaires to the heads of culinary UMKM actors in the city of Solo. The results showed that the variables of financial management (X1), application of accounting information systems (X2), quality of human resources (X3), utilization of e-commerce (X4) had a positive effect on the financial performance (Y) of culinary UMKM  in Solo.