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This study aims to analyze the challenges and development strategies of micro, small, and medium enterprises (MSMEs) located in low-income areas in Indonesia. MSMEs play an important role in the Indonesian economy, but in areas with low income levels, MSMEs face various constraints, such as difficulties in accessing adequate capital, technology, and management skills. To conduct this study, the researchers used a qualitative approach by collecting data from various sources of relevant scientific literature. The results showed that MSMEs in low-income settings face several key constraints, including difficulty accessing formal sources of financing, limited use of information technology, and low implementation of good business management practices, such as in marketing and financial record-keeping. To be able to develop MSMEs in low-income environments, comprehensive efforts are needed, such as facilitating MSME access to official funding sources, providing training and assistance in the use of information technology, and improving MSME skills in implementing good business management practices. In addition, the availability of skilled human resources, as well as innovation and creativity are also important factors in supporting the growth of MSMEs in low-income areas. By paying attention to these various aspects, it is expected that the development of MSMEs in low-income environments can run effectively and provide optimal benefits to the regional and national economy, through collaboration and synergy between MSMEs, government, financial institutions, and other stakeholders.    

This research aims to test whether investment decisions, funding decisions and dividend policy influence company value. The data used in the research is secondary data. The population of this research is companies registered in the Jakarta Islamic Index (JII) 70 for 2018-2021. Determining the sample in the research used the porpusive sampling method with special criteria to obtain 68 data. The results of this research prove that the influence of investment decisions on company value is 0.256 > 0.05 and the calculated t value is 1.147 < 1.99714. There is no influence of investment decisions on value. Company. The influence of funding decisions on company value is 0.000 < 0.05 and t count is 6.384 > 1.99714. There is a significant influence of funding decisions on company value. The influence of dividend policy on company value is 0.116 > 0.05 and the calculated t is 1.595 < 1.99714 so it can be concluded that there is no influence of dividend policy on company value.

Reputation has the potential to influence a company's performance, the support it receives from the public, and the bank's ability to obtain the necessary funding. This research aims to evaluate the impact of benevolent funds and zakat funds on the reputation of Indonesian sharia banks (BSI) in the 2018-2022 period. The research uses quantitative methods with the aim of understanding the relationship between construction variables which include several variables and other variables, to predict variable X1 (benevolent funds), variable X2 (zakat funds), and variable Y (reputation) on BSI. The data used is document data, especially annual reports published by BSI every quarter on the Indonesia Stock Exchange (BEI) in the 2018-2022 period and collected via the official BSI website. The research results show that, partially, the path coefficient for the use of benevolent funds (PDK) has a positive value of 0.18 with a p-value of 0.18. This means that the use of benevolent funds has a positive effect on reputation with a contribution of 18%. Meanwhile, the use of zakat funds (PDZ) on reputation has a positive path coefficient of 0.53 with a p-value of 0.1 which is smaller than 0.05. This shows a positive relationship between the use of zakat funds and reputation, with a contribution of 49%. In the indirect and total effects table, the use of zakat funds shows a positive and significant relationship to reputation with a contribution of 53%. Both the use of benevolent funds and zakat funds have a positive impact on reputation, with a p-value of 0.002 which is smaller than 0.05. In addition, the R-squared for the reputation variable is 0.487, indicating that the contribution of the PDK (X1) and PDZ (X2) variables to reputation (Y) is 48.7%, and the remaining 51.3% is influenced by other variables outside the model study.

A complex construction project entails the legal liability of the contractor and the process of its completion. The project of building a 2 tonne/day small-scale solar ice factory is in disarray due to a lack of funding in the completion process. The decline in local tax revenues and the loss of potential jobs for local communities, slumped local economic growth and the well-being of communities. The crumbling small-scale solar ice plant also hampers the potential for infrastructure development in Southwest Maluku district. The purpose of this research is to investigate the legal responsibility of contractors in corrupt construction projects as well as to identify the legal settlement process against contractors In the case of the Mangkrak project in the Fisheries Department of Maluku District West South. Qualitative research using empirical jurisprudence methods to obtain data on legal settlement processes in cases of crashed projects. The results of the research show that contractors have a legal responsibility to complete the project in accordance with the agreed contract. The process of legal settlement by means of negotiation between the parties concerned, arbitration and legal claims. The importance of monitoring the implementation of the project in order to avoid future projectcrashes

Green Sukuk is a financial instrument that combines the principles of Islamic finance with sustainable development goals. This article discusses the role, practices, mechanisms, as well as challenges and efforts of the government in developing Green Sukuk in Indonesia. Green Sukuk have great potential in supporting the transition to a sustainable economy by providing a source of funding for environmentally friendly projects. However, challenges such as lack of awareness and capacity of financial institutions need to be overcome to optimize the contribution of Green Sukuk. Through strengthening regulations, outreach, product innovation and international cooperation, it is hoped that the Green Sukuk market can continue to develop and support the achievement of sustainable development goals in Indonesia.    

This research investigates the integration of Sharia economic instruments into green economy policies in Indonesia, focusing on how these instruments can enhance sustainability efforts. Specifically, it evaluates the role of Green Sukuk, zakat, and waqf in supporting sustainable development projects. Sharia economic instruments are identified as essential tools for financing environmentally friendly projects while aligning with social and ethical values. The research explores how these instruments contribute to the green economy by expanding funding sources, increasing public participation, and promoting social welfare. The study finds that the hybrid approach of integrating Sharia instruments with green policies leads to more sustainable outcomes compared to secular-only frameworks. The integration fosters long-term stability, attracts ethical investors, and supports social inclusion, making green initiatives more resilient. This research highlights the potential of Sharia-compliant financing in advancing the Sustainable Development Goals (SDGs) and fostering a more inclusive and sustainable economic model. Recommendations are made for the Indonesian government to develop policies that incorporate Sharia instruments into the green economy framework to enhance financial support and community engagement.

The aim of this research is to find out more about the Labuhanbatu Regency Library and Archives Service's approach to static archive preservation, as well as the challenges faced and the steps taken to overcome them.  To ensure the security and protection of archives, static archive preservation is carried out.  This type of research uses qualitative descriptive techniques.  This research uses the Miles & Huberman data analysis approach, which specifically focuses on data reduction, data presentation, and drawing conclusions.  Through observation, interviews, and documentation, researchers collect information for data analysis.  Two people participated in this research as informants.  Using a purposive sampling approach, these informants were selected from among those who met the requirements of the research subjects, namely, archivists who had knowledge of archival preservation. The research findings show that although the static archive preservation of the Labuhanbatu Regency Library and Archives Service is good, it still does not meet the expectations of the theory that guides the research.  Archives activists are of the opinion that despite their best efforts, archives are still not optimally maintained due to various obstacles, including inadequate funding, inadequate facilities and infrastructure, and human resources who do not understand archives.  Efforts made by archivists include providing special archival training on archival science, building inadequate facilities and infrastructure with allocated funds, and prioritizing the use of the budget for crucial tasks to achieve archive maintenance in good condition.

Financial ratio analysis is one way to assess a company's financial performance. This research aims to determine the financial performance of UD. Rubama. The research uses financial management theory based on measuring instruments Debt to Assets Ratio, Debt to Equity ratio, Return On Investment and Return On Equity. The approach used in this research is a descriptive research approach. The samples in this research are UD's balance sheet and profit and loss report. Rubama for the 3 year period 2018-2020. The data analysis technique used in this research is descriptive data analysis technique, namely collecting data, classifying it in such a way as to obtain a clear picture of the facts that exist as a reality in the object under study. The research results show that the company's financial performance as measured by the solvency ratio (Debt to Assets Ratio) and (Debt to Equity Ratio) is good, because there is an increase in the amount of debt and is followed by an increase in the amount of assets every year and the company is able to emphasize funding using its own capital. The results of the profitability ratio analysis show that the company's ability to generate profits in terms of Return on Investment is good, because the profits are quite high in terms of asset turnover. Meanwhile, in terms of Return On Equity, the company is also good because the company has not been able to maximize its capital to produce optimal net profits, the average during the research period was 36%.

This study explores the experiences of women entrepreneurs as change leaders, focusing on their contributions to economic growth and the barriers they encounter. By analyzing case studies from diverse industries, the research identifies strategies for overcoming challenges such as limited access to funding, mentorship, and restrictive societal norms. The findings emphasize the importance of fostering inclusive leadership and supportive ecosystems to unlock the full potential of women entrepreneurs.

Kutuh Village has succeeded in providing a change from a poor village to one of the richest villages in Indonesia, showing the commitment of the Kutuh Village Government in developing villages. However, some problems that occur such as community awareness, village funding design and human resources in each element. With a study using innovative governance indicators from Tahir (2016: 284). This type of research is descriptive qualitative. The determination of informants is carried out by purposive techniques and snowball sampling. Data analysis is carried out by reduction, presentation of data and drawing conclusions. The results of the study show that the implementation of Smart Village in Kutuh Village has succeeded in achieving innovative governance. However, it needs to be optimized again on indicators of community participation Recommendations that can be given are optimizing community empowerment programs and changing policies regarding the implementation of smart villages in Kutuh Village.

This training on SWOT Evaluation for Cooperative Development is intended to increase the enthusiasm, knowledge, skills and capabilities of the Management, Head of Business Units and Chair of the Simprug Garden Cooperative in managing and developing cooperative businesses. The approach to implementing this activity includes material presentations, question and answer sessions, and group discussions (FGD) regarding business development strategies by applying SWOT analysis. Training material includes SWOT analysis, cooperative management, cooperative business management, cooperative management values, and business development strategies. A total of 20 training participants, consisting of the Management, Head of the Simprug Garden Cooperative Business Unit, and cadre members, participated in this activity. Evaluation is carried out through pre-test and post-test material as well as assessment of the results of Group Discussions related to "formulating cooperative business development strategies using SWOT analysis." The results of the training showed that 83 percent of participants reported a significant increase in their knowledge, while 17 percent felt a sufficient increase in knowledge, enthusiasm, skills and capabilities related to management and cooperative business development strategies. Participants responded positively to the material, especially on business development strategies through SWOT Analysis. The results of the group discussion show that the business development strategy involves: SO strategy (market renewal, business expansion); WO strategy (development and cadre formation, applying for KUR); ST strategy (participating in training, taking advantage of post-pandemic opportunities, seeking additional funding sources); and WT Strategy (promotional intensification). Participants showed enthusiasm in increasing their understanding of setting strategic priorities through group business development and proposed holding further training related to SWOT Analysis and other materials related to cooperative activities

This research aims to analyze the influence of company growth, funding decisions and dividend policy on company value. This research was conducted by analyzing the financial reports of companies in the transportation and logistics sector listed on the Indonesia Stock Exchange (BEI) during the period 2018 to 2022. The sample used in this research was 9 technology sector companies listed on the Indonesia Stock Exchange during the period 2018 to 2022 using purposive sampling techniques. The data used in this research is secondary data in the form of financial reports from each company that has been used as a research sample. The variables used in this research are Company Growth (X1) as the first independent variable, Funding Decisions (X2) as the second independent variable, and Dividend Policy (X3) as the third independent variable and Company Value (Y) as the dependent variable. The panel data regression method was used as the research methodology in this study. Analysis of research results using EViews 12 Student Version Lite software. The research results show that the best model is the Fixed Effect Model (FEM). The results of this study show that partial company growth has no effect and is not significant on company value, partial funding decisions have a significant effect on company value, partial dividend policy has no effect and is not significant on company value, and simultaneously company growth and funding decisions and Dividend Policy influences Company Value.

A community service scheme for implementing science and technology has been carried out from Srwiijaya University funding sources. Community service is carried out at the Ittifaqiah Islamic Boarding School for women in Indralaya, Ogan Ilir, South Sumatra. Participants who attended were 60 Islamic boarding school students in the science class, 10 science teachers and 2 Ittifaqiah administrators. Community service was carried out using lecture methods and demonstrations of making liquid lipstick in front of female students and teachers. The natural ingredients used in making lipstick in this service activity are beet root extract, virgin coconat oil (VCO), soy lecithin, gum Arabic, food flavors and food preservatives. There were 20 organoleptic tests carried out on Unsri female students on the liquid lipstick made in this service activity. Fifteen people said they really liked it, 3 people said they liked it quite a lot and 2 people said they liked the product a little. The survey on the results of service activities showed that 50 female students said they really understood how to make liquid lipstick, 8 students said they understood quite well how to make liquid lipstick with the red color of beetroot and 2 female students said they understood a little.

The development of digital technology has brought significant changes in philanthropy practices, one of which is through the implementation of online fundraising (crowdfunding). This study aims to analyze the effectiveness of implementing fundraising features in the Dompet Dhuafa application as one of the institution's efforts to utilize technological advancements to support philanthropic activities. Using a qualitative approach and literature review, this study examines the factors that influence the success of fundraising through mobile applications, such as trust, ease of use, and perceived usefulness. In addition, other aspects such as interface design, application features, and promotional strategies are also considered in this analysis. The results of the study show that the implementation of fundraising features in the Dompet Dhuafa application has the potential to be an effective means of collecting donations from the wider community, with the caveat that the institution must pay attention to key factors such as transparency, ease of use, and providing clear information about the impact and benefits of donations. The effectiveness of implementing these features can be measured by an increase in the number of donors, the amount of donations collected, and the level of community participation in programs run by Dompet Dhuafa.

The COVID-19 pandemic has presented unique challenges for startups, particularly in the areas of financial management. This research focuses on the financial obstacles faced by startups in the post-pandemic period, including cash flow management, access to funding, and risk mitigation. Through interviews with entrepreneurs and financial experts, the paper highlights effective strategies that startups have adopted to navigate these challenges, such as digital finance tools, crowdfunding, and lean financial management practices. The study concludes by offering a framework for startups to enhance their financial resilience and sustainability in a volatile economic environment.

This activity aims at empowerment and development of snack business based on local potency. Mitra is a group of Micro small and Medium Enterprises community of Ganesha (KUB Bahtera) Purworejo and culinary group of Angudi Laras Purworejo (KBU Satu Hati). There are 8 participants. Problems faced by partners include: Lack of marketing access, low production capability, low access to capital for funding, Low financial management capability and business accounting administration, Limited human resources marketing and Production. To solve these problems, the program solutions offered are: 1) Increased marketing access, 2) Improvement of product processing techniques, 3) Strengthening of loan access to various funding sources, 3) improvement of financial management and business administration, and 4) Strengthening Partnership. The method used is training and mentoring. The results achieved are: the increasing ability of participants in the field of online marketing, enhancement of capabilities in designing product packaging, increasing sales through the implementation of online marketing, and strengthening the partnership relationship between groups.Keyword: snacks, business groups, online marketing

Currently, there are many kinds of financial institutions that provide various products, namely funding, landing and services. Credit is one of the products from lending services that is very popular with customers because of its many benefits. Credit services are usually used by customers for business capital purposes so that they can encourage economic growth in Indonesia. A banking institution is a financial institution that provides loan or credit services. Bank Woori Saudara KPC Banyuwangi is a banking financial institution that provides services with many superior products, one of which is General Pension Credit (KUPEN) which is specifically for Retired Civil Servants. Apart from that, BWS KCP Banyuwangi also offers a Take Over system for loans from other banks to Bank Woori, KCP Banyuwangi. The results of this service and research aim to ensure that the public, especially retired civil servants, know the procedures and completion of the General Pension Credit Take Over (KUPEN) system from other banks to Bank Woori Brother KCP Banyuwangi. The method used in this research is participatory so that data collection uses observation, interviews and documentation methods. Based on the results of community service regarding the procedures for implementing General Pension Credit Take Over (KUPEN) at Bank Woori Saudara KCP Banyuwangi, there are conclusions that can be drawn, including that the part involved in implementing General Pension Credit Take Over (KUPEN) is the Unit Head, Relationship Officer (RO), Back Office (BO), and TASPEN.

This paper explores the integration of global citizenship education (GCE) in the curricula of select Asian universities. Through a survey of faculty members and curriculum developers, the study analyzes current GCE initiatives and identifies key factors that influence their implementation. Findings suggest that while GCE is increasingly valued, there are challenges related to funding, curriculum rigidity, and cultural relevance. The study proposes strategies for effectively embedding GCE in higher education curricula to cultivate global competencies in students.

This paper explores global trends in teacher training and professional development for early childhood educators. By examining policies and practices from various countries, the study identifies common challenges in the field, including insufficient funding, lack of standardized training frameworks, and limited access to ongoing professional development. The findings suggest that investing in teacher training and lifelong learning opportunities is critical to enhance the quality of early childhood education and bridge skills gaps among educators.

This study examines the significant role of cash waqf in financing renewable energy projects for sustainable Islamic economic development. Using a descriptive qualitative approach, the research collects data through case analysis of Islamic social finance institutions involved in renewable energy funding, along with interviews with key informants such as waqf managers and Islamic finance practitioners. The data were analyzed using thematic analysis to identify recurring patterns and key themes related to cash waqf’s application in renewable energy projects. The findings show that cash waqf offers a more sustainable funding model compared to conventional charity. By preserving the principal and only utilizing the income, cash waqf provides long-term resources for clean energy projects. The study also highlights cash waqf’s advantages in terms of accountability and transparency, as waqf institutions are required to provide auditable financial reports. In contrast, conventional charity is often short-term and lacks structured oversight, making cash waqf a more efficient model for financing ongoing projects like renewable energy. The research also identifies challenges in implementing cash waqf, such as regulatory issues and lack of awareness. However, there are significant opportunities to address these challenges through collaborations with Islamic banks and sustainable financial institutions. This study proposes integrating cash waqf with Islamic finance principles and ESG criteria to increase its impact on renewable energy projects. With appropriate regulation and increased awareness, cash waqf can play a crucial role in driving the transition to a sustainable green economy.