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Bank Syariah Indonesia is a bank whose procedures are carried out in accordance with Islamic law. Bank Syariah Indonesia is a merger of BRI Syariah, BNI Syariah and Bank Mandiri Syariah which was inaugurated on February 1, 2021 or 19 Jumadil Akhir 1442 H. KUR financing is one of the products offered by BSI KC Gatot Subroto Jambi City to Micro, Small and Medium Enterprises (MSMEs). This study aims to determine the role of BSI in developing MSMEs in Jambi City. To determine the development of MSMEs after receiving financing from BSI and what factors cause the increase in the MSME economy in Jambi City. The research used by the researcher is a qualitative method, namely conducting observations, interviews and documentation with sources and collecting documentation in the form of documents related to financing. The data sources used by the researcher are primary data from the first source and secondary data from the second source. The results of this study indicate that: BSI has played a role in developing MSMEs in Jambi City by providing additional capital. Factors that have led to the increase in MSMEs in Jambi City are that BSI KCP Gatot Subroto makes it easier for customers to use KUR financing products and Micro, Small, and Medium Enterprises maximize the capital obtained. The implementation of BSI financing in increasing MSME businesses in Jambi City has been carried out in accordance with procedures, namely providing financing to customers who meet the requirements of BSI KC Gatot Subroto.

The determination of the Cost of Goods Sold (COGS) is a crucial element for micro, small, and medium enterprises (MSMEs), especially in setting competitive prices and achieving the desired profits. However, many MSMEs still face challenges in understanding and applying the appropriate COGS determination methods. This training aims to enhance the capacity of MSMEs in calculating COGS using the Full Costing method through training and mentoring programs. The methodology used includes delivering material, calculation simulations, and evaluating the application of the Full Costing method. The research results indicate an improvement in participants' understanding of cost components as well as their ability to calculate COGS in a more structured and accurate manner. This program has made a positive contribution to the financial management of MSMEs and is expected to serve as a model for capacity development for small business owners in the future.

This study aims to analyze the transformation of promotional strategies among Micro, Small, and Medium Enterprises (MSMEs) in Suka Makmur Village after utilizing Google Maps as a digital marketing platform. The research focuses on identifying changes in promotional approaches, MSME owners’ perceptions of the effectiveness of Google Maps, and its impact on business visibility and sales performance. The study employed a participatory approach through the Community Service Program (KKN), consisting of several stages, including surveys, socialization, training, and direct mentoring. The research subjects comprised three MSMEs: Seblak Prasmanan, Warung Kopi, and Rumah Jajan By Nisa. The findings indicate that, prior to the intervention, promotional activities were predominantly traditional and limited in reach. After adopting Google Maps, the businesses became more easily discoverable, received positive reviews, and successfully reached customers beyond the local area. This study concludes that the effective use of Google Maps enhances the digital identity of MSMEs, broadens market reach, strengthens competitiveness, and contributes to the local economic growth of Suka Makmur Village.

The main issue faced by MSME actors is limited capital, which hinders business development and their well-being. This study aims to evaluate the impact of the micro-financing program on improving the well-being of MSME actors, with a case study at the "Maju Makmur" Women’s Cooperative in Minggirsari Village. Using a qualitative approach, the study found that the provision of capital to MSME actors in the cooperative has been well-implemented and has had a positive impact, particularly in increasing income, economic activities, and the ability to meet daily needs. Supporting factors for the success of this program include government funding support, good cooperative management, clear implementation and technical guidelines, and community support. On the other hand, hindering factors include the presence of other financial institutions in the village, causing cooperative members to have savings in other places, as well as bad loans and a lack of socialization regarding the micro-financing program. Overall, the micro-financing program at the "Maju Makmur" Women's Cooperative has significantly benefited the improvement of MSME actors' well-being in Minggirsari Village.

Pandemic-fueled global crises, geopolitical tensions, and supply chain halt have rendered a cry for resilient community-based economies. Traditional business models have proved to be weak, and context-sensitive and inclusive innovations are required. The purpose of this study is to investigate the ways in which community-based business model innovation contributes to economic resilience after crises through the identification of key features such as collective ownership, digital integration, diversification of distribution, community networks, and microfinance access. Convergent parallel mixed-method design was employed involving 300 community-based MSME respondents and 20 key informants. Surveys and interviews were employed to collect the primary data, while secondary data were obtained from national statistics, international organizations, and academic journals. By regression analysis, digital integration (β=0.352) and collective ownership (β=0.321) are significant factors in enhancing economic resilience, followed by diversification of distribution, social networking, and access to finance. The Resilience Capacity Score (RCS) further reveals that digitalization received the highest RCS, and microfinance access was lowest among the variables. Conceptually, this research takes the concept of community-based Business Model Innovation to the next level and practically recommends stronger digital infrastructure, available microfinance schemes, and capacity building at the community level.

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the economy but still face challenges in utilizing digital technology for marketing. Shofi Cookies, as the partner of this program, has been using TikTok and a website, yet their utilization remains suboptimal. This community service activity aimed to enhance the partner’s digital capacity through social media analysis, website audits, and digital branding training. The methods included evaluating the TikTok account, auditing the website’s Search Engine Optimization (SEO), and providing training on the use of WordPress Content Management System (CMS) along with branding strategies. The results showed that the TikTok account was still personal, limiting analytic data, while the website audit produced a C- SEO score with issues in mobile access speed. The training, attended by the owner and operator, received positive responses with high satisfaction, although participants’ understanding still needs improvement. The implication of this activity highlights the importance of follow-up actions such as switching to a TikTok business account, increasing content upload consistency, and optimizing website SEO. With these efforts, Shofi Cookies is expected to strengthen competitiveness, expand market reach, and increase sales in the digital era.

Rapid technological developments create opportunities for businesses to scale their businesses. Sharia Micro KUR is a step toward optimizing working capital and investment in accordance with sharia principles. This study aims to analyze the role of Micro KUR financing, outline strategies for utilizing Micro KUR financing in the digital era, and identify challenges in distributing and utilizing Micro KUR to increase the competitiveness of MSMEs. This study uses a qualitative approach and descriptive methods with primary and secondary data sources through observation, interviews with Micro staff, and literature review of articles related to MSMEs in the Digital Era. The analysis shows that Micro KUR financing is a solution for economic development in Indonesia, serving halal MSMEs facing capital challenges. Sharia Micro KUR can be utilized by MSMEs to meet their capital needs as an alternative to adopting digital marketing technology through social media. However, behind the utilization of Micro KUR, there are significant challenges in distributing BSI and utilizing MSMEs. Suggestions for other researchers include applying a quantitative approach with statistical data analysis regarding the relationship between the use of Sharia Micro KUR and increasing the competitiveness of MSMEs in the digital era.

The development of Micro, Small, and Medium Enterprises (MSMEs) is an essential strategy to improve the welfare of rural communities. Kalicinta Village has local potential in the form of the traditional food cilok, which can be developed into a productive and competitive business. This community engagement aims to analyze the role of cilok MSMEs in enhancing community welfare, identify challenges, and formulate strengthening strategies based on local potential. The method employed was Participatory Action Research (PAR), involving the community actively in problem identification, action planning, implementation, and evaluation. Data were collected through observation, interviews, and focus group discussions. The results show that cilok MSMEs contribute to increasing household income, absorbing local labor, and empowering women, while also strengthening social cohesion through values of togetherness. The main challenges include limited capital, market access, digital literacy, and managerial capacity. Interventions such as training, product innovation, digital marketing, and government support effectively enhance competitiveness. Through a participatory approach, cilok MSMEs have the potential to become a pillar of the village economy and a sustainable model of local empowerment.

Poverty in the Special Region of Yogyakarta (DIY) remains a significant issue despite a decline in poverty rates in recent years. This study aims to identify the factors influencing poverty in DIY from social, economic, and structural perspectives, as well as to evaluate policies that can address this issue. The method used in this research is a literature review through a Systematic Literature Review (SLR), examining various relevant sources on poverty in DIY and the poverty alleviation policies implemented in the region. The results of the study indicate that poverty in DIY is caused by several main factors, such as income inequality, low-quality education, low skill levels among the population, and limited access to business capital and productive resources. One policy that has proven effective in reducing poverty is the provision of access to capital and productive resources through microcredit schemes and agrarian reform. These programs not only provide capital but also enhance the ability of the poor to manage their businesses. These findings offer important insights into understanding poverty in DIY and suggest that policies supporting the empowerment of the poor through education, skills, and economic access can be an effective solution to reduce poverty in the long term..

This community service program was carried out in Bone-Bone Village, focusing on the utilization of local potential, namely taro and coffee husks, to be developed into economically valuable products such as taro donuts and coffee husk tea. The main problems faced by the community were the lack of knowledge about the diversification of local food products and limited skills in processing simple materials into marketable products. The implementation methods included counseling on the importance of food processing innovation, hands-on training in producing taro donuts and coffee husk tea, as well as mentoring in basic business management such as packaging and marketing strategies. The results of the program indicated an increase in the community’s understanding and skills in processing local resources into creative and competitive products. In addition, this activity provided motivation for the community to develop micro-enterprises based on village potential, which is expected to improve family income and support village self-reliance.

This study aims to analyze the challenges and opportunities of social entrepreneurship within the Micro, Small, and Medium Enterprises (MSMEs) sector in Sumbawa Regency during the 2020–2025 period. A descriptive qualitative approach was applied using in-depth interviews, field observations, and policy document analysis. The results indicate that social entrepreneurship in Sumbawa faces several constraints, including limited access to capital, low digital literacy, and inadequate business incubation and infrastructure support. Nevertheless, significant opportunities exist through local government policies, digital transformation, and growing consumer awareness toward sustainable local products. Cultural values such as gotong royong (mutual cooperation), solidarity, and self-reliance serve as key social capital in strengthening community-based entrepreneurship models. The study highlights the importance of a holistic and collaborative ecosystem approach among stakeholders to ensure the sustainability of social enterprises at the local level. These findings are expected to serve as a foundation for inclusive policy formulation and capacity-building strategies for social entrepreneurs across Indonesia.

This study aims to analyze the influence of capital variables and production costs on the income of Micro, Small, and Medium Enterprises (MSMEs) in the Kediri area, East Java. The method used is a descriptive quantitative approach with data collection techniques through the distribution of questionnaires to MSME actors. Data analysis was performed using multiple linear regression with the help of SPSS software version 26. The results of the study show that both capital and production costs have a significant influence on the income of MSMEs. Capital plays a key role in supporting business operations and expansion, while production costs affect efficiency and profit margins. These findings indicate that increasing access to capital and optimal management of production costs can be an important strategy in increasing MSME income. This research provides practical contributions for stakeholders, including local governments and financial institutions, in designing policies for empowering MSMEs that are more targeted. In addition, the results of this study can be a reference for further research that focuses on other variables that also affect the performance of MSMEs. Thus, a deeper understanding of microeconomic factors can encourage the sustainable growth of the MSME sector in the Kediri area and its surroundings.

This study aims to analyze the management of short-term debt and its impact on cash flow smoothness in Toko Madura micro, small, and medium enterprises (MSMEs) in Surabaya City. Using a qualitative descriptive approach, the research was conducted through in-depth interviews and field observations at Toko Madura Barokah located in Pasar Wonokromo. The results show that short-term debt management is characterized by flexibility and trust-based relationships between store owners and suppliers, with payment terms ranging from 10 to 14 days. Debt management is carried out adaptively according to sales fluctuations and cash flow conditions. The average ratio of short-term debt to monthly cash flow is 17.2%, indicating that the debt level remains within a safe and manageable range. However, the financial recording system remains simple and lacks separation between personal and business finances, which may cause inaccuracies in cash control. Overall, short-term debt management contributes positively to cash flow stability through trust and payment discipline. Nevertheless, improving financial literacy and implementing a more structured accounting system are necessary to support sustainable business growth and better financial decision-making.

This study aims to analyze efforts to empower the village economy through the development of Micro, Small, and Medium Enterprises (MSMEs) based on sustainable agriculture in Kudadepa Village, Sukahening District, Tasikmalaya Regency. The background of this study is the low added value of village agricultural products that have so far relied on traditional distribution systems, so that farmers tend to sell products to collectors at less profitable prices. The research method used is descriptive qualitative with a field study approach through observation, interviews, and documentation. Research participants included agricultural MSMEs, village officials, and local consumers. The results show that strengthening the capacity of MSMEs can be done through three main strategies: improving managerial and technical skills for business actors, product innovation based on organic and environmentally friendly agriculture, and developing a broader digital marketing network. In addition, support from the village government and related institutions plays a crucial role in providing access to capital, business mentoring, and facilitating ongoing training. The conclusion of this study confirms that the development of sustainable agricultural MSMEs not only increases community income but also encourages village economic independence and environmental sustainability. Thus, the MSME-based empowerment model can be an effective strategy in building an inclusive and competitive rural economy.

Micro, Small, and Medium Enterprises (MSMEs) have a significant contribution to national economic growth and the smooth distribution of goods and services. However, market competition and national economic dynamics pose serious challenges to the sustainability of MSMEs, especially in terms of competitiveness and technological adaptation. The development of digitalization opens up great opportunities for MSMEs to increase production efficiency and expand marketing reach through online sales platforms. Unfortunately, the limited knowledge and skills of MSME actors in managing digital marketing strategies leads to low optimization of this potential. This research aims to examine the needs of MSME assistance in Bangsalsari Village, Jember Regency, in order to increase business capacity and digital marketing effectiveness. The method used is a qualitative approach through field observation and interviews with MSME actors. The results of the study show that structured and sustainable mentoring can increase business actors' understanding of digital strategies, expand market access, and encourage the creation of new jobs. Thus, technology-based assistance programs and local needs are strategic solutions in strengthening the resilience and competitiveness of MSMEs in the midst of national economic challenges.

This study aims to analyze the implementation of assistance for issuing Business Identification Numbers (NIB) for Micro, Small, and Medium Enterprises (MSMEs) in Sukodadi District, Lamongan Regency. This assistance program is a government effort to support MSMEs in obtaining business legality regulated through the Online Single Submission (OSS) system. The method used in this study is a descriptive qualitative approach with data collection techniques through in-depth interviews, field observations, and document studies related to program implementation. The results show that NIB assistance has a positive impact on MSMEs' understanding and awareness of the importance of business legality, which was previously neglected. However, there are several obstacles in its implementation, including limited digital literacy among MSMEs and limited internet access in some areas, which hinder the NIB registration process through the OSS system. Furthermore, although assistance has been provided by local governments and related agencies, it is necessary to increase the frequency and quality of assistance to make the NIB registration process easier and more efficient for MSMEs. Therefore, a more intensive mentoring policy based on technology empowerment is urgently needed to support the sustainability of business legality among MSMEs in Sukodadi District.

This study aims to describe the form of women's empowerment in the development of Micro, Small, and Medium Enterprises (MSMEs) through a case study of the local product business "Mie Des" in Klisat Hamlet, Srihardono Village, Pundong District, Bantul Regency. The method used is descriptive qualitative research with a case study approach, where data is collected through observation, interviews, and documentation of business actors and community leaders. Data analysis uses the Miles and Huberman model which includes data reduction, data presentation, and conclusion drawing. The results show that women's empowerment in the "Mie Des" business includes five main indicators, namely Opportunities, Support, Strengthening, Protection, and Supervision. Women have an important role in the production, management, and marketing of "Mie Des" products, and demonstrate increasing economic independence. Support from family and community is a significant supporting factor, although access to assistance with production tools is still uneven. In terms of empowerment, business actors acquire new skills and become more confident in making decisions. However, legal protection for women's MSMEs is still minimal, and external supervision has not been carried out continuously.

This study aims to analyze the potential of micro, small, and medium enterprises (MSMEs) in enhancing the local economy through a case study of the Nay-Nay beverage business in Medan City. The research focuses on the contributions of MSMEs to job creation, income generation, improvement of purchasing power, development of local human resource skills, and the involvement of the local community in supply chain activities. A qualitative approach with a descriptive case study design was employed, utilizing semi-structured interviews, participant observation, and documentation analysis for data collection. The findings indicate that Nay-Nay plays a significant role in strengthening the local economic structure. The business creates employment opportunities for the surrounding community, increases household income, and contributes to the development of workforce competencies relevant to the food and beverage service industry. Moreover, the inclusion of local suppliers in the procurement of raw materials and distribution processes generates a multiplier effect that stimulates the local business ecosystem. Nonetheless, the enterprise faces notable challenges such as limited access to capital, price volatility of raw materials, and intense market competition. Overall, this study affirms that MSMEs are crucial drivers of inclusive and sustainable economic development and highlights the need for policy interventions that enhance managerial capacity and improve access to financing for small business actors.

This study aims to (1) to find out how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) to find out how the development of Islamic microfinance institutions in Jambi city. (3) to find out what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro enterprises in Jambi city. The problems discussed in this thesis are (1) how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) what influences the role of Islamic microfinance institutions (BMT) on micro businesses. (3) what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro business ventures in Jambi city. The research method used is descriptive qualitative. The descriptive method of analysis is obtained through data sourced from observation, interviews, and documentation as well as other sources that support field research by finding data sources directly from the field, namely from the BMT through data collection and interviews with the parties concerned. The results of this study are the Financing mechanism at BMTs in Jambi city, namely BMT Al-Ishlah, BMT KOSSUMA, and BMT. Muslimah Masyitoh tends to be the same, the difference lies only in the tax year of the vehicle financing ceiling, and the length of installments. Financing includes several contracts, namely murabahah, ijarah, ar-Rahn, mudharabah, musyarakah and qordhul hasan. Analysis before channeling financing at BMT for prospective financing members includes: Character, Capital, Capacity, Condition, and Coleterol. The importance of Islamic microfinance by BMTs in Jambi city in empowering MSMEs is evidenced by the main target of BMT financing is small business actors who are not reached by banks. Simple procedures and applied financing are needed by Jambi city MSMEs in developing their businesses. The constraints of the Jambi city BMT cooperative in carrying out its business, namely financing in the context of empowering MSEs, include internal constraints and external constraints.

Tedunan Beach in Seluma Regency, Bengkulu, holds exceptional potential as an ecotourism asset, attributed to its authentic and untouched natural landscape, featuring white sand stretches and a unique mangrove ecosystem. Sustainable tourism development, however, demands active participation and entrepreneurship from the local community, which is key to ensuring the equitable distribution of economic benefits and environmental preservation. This research aims to analyze the current community entrepreneurship models, identify challenges hindering business growth, and formulate strategic opportunities for development. Using a qualitative approach with a case study method, data was collected through in-depth interviews with business actors and community leaders, participant observation, and documentation studies. Findings indicate that community-based businesses have grown organically, albeit on a micro scale, encompassing fresh seafood culinary stalls, tourist hut rentals, and local guide services. Nevertheless, this growth is hampered by fundamental constraints: limited access to formal working capital, minimal promotion hindering market penetration, and a lack of professional training in financial management and tourism service standards. In response, an integrated development model is formulated recommending: increasing human resource capacity through business management and tourism awareness training, facilitating access to capital through partnerships, and strengthening digital-based promotion. In conclusion, Tedunan Beach tourism can be sustainable if supported by a comprehensive empowerment program that not only boosts economic income but also essentially fosters a sense of ownership and community responsibility towards the destination's preservation.