This study aims to analyze the influence of financial technology, risk tolerance, return expectation, and financial literacy on student investment decisions, with a specific focus on students of the Faculty of Economics and Business, Budi Luhur University, Jakarta. The increasing growth of young investors in Indonesia, particularly from Generation Z, emphasizes the urgency of understanding the behavioral and technological factors that shape their financial decision-making. The research employed a quantitative approach using purposive sampling by distributing online questionnaires to 100 executive class students, calculated using Slovin’s formula. Data collection was supported by literature reviews and documentation, while analysis was conducted using multiple linear regression with the help of SPSS version 26 and Microsoft Excel 2019. The results reveal that financial technology, return expectation, and financial literacy each have a positive and significant effect on student investment decisions. In contrast, risk tolerance shows a significant negative effect, suggesting that higher risk tolerance does not necessarily translate into better decision-making among students. These findings highlight the complex interplay of behavioral and cognitive factors in shaping investment choices. The study contributes to the field of behavioral finance and provides practical implications for financial education, suggesting the need for stronger integration of financial literacy programs and responsible fintech usage among young investors. In conclusion, enhancing financial knowledge and aligning return expectations are critical strategies to improve rational investment behavior in the digital era.
This community service program was carried out by students of Universitas Pelita Bangsa in Karangsetia Village, Karang Bahagia District, Bekasi Regency, as a concrete effort to strengthen the capacity of micro, small, and medium enterprises (MSMEs) in facing the challenges of digitalization. MSMEs in this area still encounter various obstacles, such as the absence of formal business legality, limited understanding of branding strategies, and minimal utilization of digital technology for both marketing and payment systems. These conditions have weakened business competitiveness and hindered the growth of local enterprises. The program focused on three interrelated aspects: legal compliance, brand development, and digital adoption. Business legality was facilitated through the issuance of the Business Identification Number (NIB), which provides legal certainty while granting access to government programs and financial institutions. Branding was strengthened by designing logos, banners, and simple promotional media to enhance business identity, professionalism, and consumer appeal. Digitalization was promoted through business registration on Google Maps to improve visibility, and the adoption of the Quick Response Code Indonesian Standard (QRIS) as a cashless payment method that is efficient, secure, and widely accepted. The methods employed included observation, socialization, mentoring, and participatory evaluation with business owners. The results demonstrated significant progress, as most MSMEs successfully obtained legal registration, adopted QRIS in daily transactions, registered their businesses on Google Maps, and developed clearer visual identities. This program had a positive impact by increasing entrepreneurial confidence, expanding market reach, and fostering awareness of the importance of digital transformation. Overall, the community service program contributed to strengthening the competitiveness, sustainability, and independence of MSMEs in Karangsetia Village, while supporting the development of the local economy.
This study aims to analyze the influence of business capital on the development of Micro, Small, and Medium Enterprises (MSMEs) at CV Kakarak Food located at Jl. Gunung Batu No. 117T, Sukaraja, Cicendo, Bandung, West Java. This study uses a quantitative method with an associative descriptive approach. Primary data were obtained through distributing questionnaires to 30 respondents who are employees at CV Kakarak Food, while secondary data were obtained from company documentation and relevant literature. The data analysis technique used was simple linear regression to test the partial effect of the independent variables on the dependent variable. The results of this study indicate that venture capital has a positive and significant influence on the development of MSMEs. The availability of venture capital helps streamline operational activities, strengthen production capacity, improve product quality, and support business expansion efforts to a wider market. Furthermore, venture capital also contributes to increasing company competitiveness in facing the dynamics of the food industry. Therefore, it can be concluded that increasing venture capital is a crucial aspect that must be considered in encouraging the growth and sustainability of MSMEs, particularly CV Kakarak Food and similar MSMEs in the food sector. This research is expected to provide input for business owners, the government, and related parties in designing MSME development strategies oriented towards capital strengthening, thus creating more stable, independent, and highly competitive businesses in the future. Furthermore, the results of this study can also serve as an academic reference for further research and as evaluation material for MSMEs in determining managerial policy priorities.
The phenomenon of digital transformation is crucial for Indonesian Micro, Small and Medium Enterprises (SMEs) in addressing the challenges posed by international markets; however, a large number of SMEs have yet to fully utilise technological advancements. This research seeks to examine the impact of digital transformation on the export performance of Indonesian SMEs, while exploring the mediating and moderating factors that influence this relationship. The methodology employed consists of panel data analysis, utilising a sample of 100 exporting SMEs from various industry sectors over the period 2019 to 2023. The findings show that digital transformation exerts a significant positive impact on export performance, with dynamic capabilities serving as a mediator and firm size acting as a moderator. The study identifies e-commerce and business process automation as the most effective elements in improving export performance. The implications derived from this study advocate a comprehensive strategy in the digital transformation of SMEs, in addition to more targeted policy initiatives aimed at strengthening the dynamic capabilities of these firms.
Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, but often face challenges in effective financial management. often face challenges in effective financial management. This research This study aims to analyse the application of management accounting in increasing turnover, net profit, and cash management in Labang Iced Tea Pot MSMEs in Bangkalan Regency, East Java. Bangkalan Regency, East Java. The research method used is descriptive qualitative, with data obtained through interviews, observation, and documentation. documentation. The results showed that the application of management accounting helps Labang Iced Tea Poci in determining the optimal selling price, managing cash flow, and increasing the efficiency of operational costs. cash flow, and improve operational cost efficiency. By analysing the break-even point, budget management, and recording break-even analysis, budget management, and systematic financial recording, this MSME is able to increase net profit to Rp 254,000 per day on the able to increase net profit up to IDR 254,000 per day at certain pricing strategies. pricing strategy. In addition, structured cash management allows the business to maintain liquidity and avoid deficits. maintain liquidity and avoid operational deficits. This research concluded that management accounting plays an important role in improving financial performance and support the sustainability of MSME businesses. The implementation of management accounting not only improves the efficiency of financial management, but also serves as a foundation for better strategic decision-making. the foundation for better strategic decision-making.
Afrianto, A., Parjito, P., Rahma, E. A., & ... (2023). Rintisan desa cerdas: Penguatan literasi digital bagi Karang Taruna Neba. Prosiding Seminar.... https://e-journal.unmas.ac.id/index.php/senadiba/article/view/8417
Akbarinasasi, A., & Panduwinata, L. F. (2023). Pengaruh pengetahuan kewirausahaan, social skill, dan peluang usaha terhadap keberhasilan usaha angkringan. Nomicpedia: Journal of .... https://journal.inspirasi.or.id/nomicpedia/article/view/232
Anisti, A., Sidara, S., Veranus, V., & Imran, M. S. (2024). Tantangan literasi digital generasi Z: Kajian systematic literature review. Media Bahasa, Sastra, dan Budaya Bahana, 30(2), 152–161. https://doi.org/10.33751/wahana.v30i2.11870
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13. https://doi.org/10.20885/jsb.vol20.iss1.art1
Erstiawan, M. (2021a). Good corporate governance penyelenggara pendidikan dalam perspektif agency theory. Majalah Ekonomi, 26(1), 40–51. https://doi.org/10.36456/majeko.vol26.no1.a3952
Erstiawan, M. (2021b). Kepatuhan emiten dalam taksonomi extensible business reporting (XBRL). CAPITAL: Jurnal Ekonomi dan Manajemen, 5(1), 71–85. https://doi.org/10.25273/capital.v5i1.10308
Erstiawan, M. S. (2024). Menggali potensi diri bisnis santripreneur berbasis bimbingan teknis. ADIMA Jurnal Awatara Pengabdian Kepada Masyarakat, 2(4), 11–18. https://doi.org/10.61434/adima.v2i4.238
Erstiawan, M. S., & Y. R. (2022). Implikasi corporate social responsibility dalam perspektif akuntansi pada subsektor telekomunikasi. Jurnal Sosial Sains, 2(2), 385–396. https://doi.org/10.36418/sosains.v2i2.343
Erstiawan, M. S., et al. (2021). Efektivitas strategi pemasaran dan manajemen keuangan pada UMKM roti. Dikemas, 5(1), 57–61. https://doi.org/10.32486/jd.v5i1.574
Hodsay, Z. (2021). Pengaruh manajemen keuangan keluarga dan hasil belajar kewirausahaan pada era pandemi Covid-19 terhadap motivasi berwirausaha. Jurnal Neraca: Jurnal Pendidikan dan Ilmu Ekonomi Akuntansi, 5(1), 91–103. https://doi.org/10.31851/neraca.v5i1.5890
Kartini, T. M., Suhendra, S., Tan, E., & ... (2024). Pelatihan pengelolaan SDM di era digital pada Karang Taruna dan usaha kecil di Provinsi Jawa Barat. SABAJAYA Jurnal .... https://journal.sabajayapublisher.com/index.php/jpkm/article/view/346
Mendari, A. S., & F. S. (2019). Hubungan tingkat literasi dan perencanaan keuangan. Jurnal Moduk, 31(2), 227–240.
Naufal, H. A. (2021). Literasi digital. Perspektif, 1(2), 195–202. https://doi.org/10.53947/perspekt.v1i2.32
Nurcahyawati, V., Wulandari, S. H. E., & Sutomo, E. (2020). Penerapan urun daya berbasis internet untuk pemenuhan bahan baku pada usaha kecil menengah (UKM) batik Sidoarjo dan UKM Mekar Sari Surabaya. Jurnal Pengabdian Kepada Masyarakat, 26(2), 84. https://doi.org/10.24114/jpkm.v26i2.16829
Oetama, S. (2022). Orientasi kewirausahaan terhadap keunggulan dalam bersaing. Google Books. https://books.google.com/books?hl=en&lr=&id=L1h-EAAAQBAJ
Poerna Wardhanie, A., Naufal, A. Z., & Eko Wulandari, S. H. (2021). Perancangan strategi digital marketing dengan metode RACE pada layanan online food delivery berdasarkan perilaku pelanggan generasi Z. Journal of Technology and Informatics (JoTI), 3(1), 1–11. https://doi.org/10.37802/joti.v3i1.187
Rahmawati, E., Wardhanie, A. P., Wulandari, S. H. E., & Effendi, P. M. (2023). Pelatihan perancangan prototype aplikasi pemasaran untuk mendukung keikutsertaan Gen Z pada festival inovasi dan kewirausahaan siswa Indonesia (FIKSI). Jurnal Abdi Insani, 10(2), 1002–1011. https://doi.org/10.29303/abdiinsani.v10i2.939
Rinaldi, M., & Ramadhani, M. A. (2024). Peningkatan literasi perpajakan dalam kalangan UMKM: Langkah menuju kemandirian finansial. Eastasouth Journal of Effective Community Services, 2(03), 158–169. https://doi.org/10.58812/ejecs.v2i03.240
Sagirani, T., Effendi, P. M., Erstiawan, M. S., Eko Wulandari, S. H., & Rahmawati, E. (2025). AI untuk siswa: Pendekatan experimental learning dalam pengenalan artificial intelligence di tingkat SMA. Jurnal Pengabdian Masyarakat (ABDIRA), 5(3), 1014–1025. https://doi.org/10.31004/abdira.v5i3.846
Sagirani, T., Nugroho, L. E., Santosa, P. I., & Kumara, A. (2015). User experience model in the interaction between children with special educational needs and learning media. 2015 2nd International Conference on Information Technology, Computer, and Electrical Engineering (ICITACEE), 72–75. https://doi.org/10.1109/ICITACEE.2015.7437773
Septiani, R. N., & W. E. (2020). Pengaruh literasi keuangan dan inklusi keuangan terhadap kinerja UMKM di Sidoarjo (Doctoral dissertation, Udayana University). https://doi.org/10.24843/EJMUNUD.2020.v09.i08.p16
Slamet, S., & Sagirani, T. (2024). Peningkatan kesiapan kerja siswa SMK melalui pengembangan soft skills di SMKN 1 Sambeng Lamongan. Tekmulogi: Jurnal Pengabdian Masyarakat, 4(2), 79–90.
Soebijono, T., & E. M. (2020). Peranan revolusi industri 4.0 terhadap mutu pendidikan sekolah menengah kejuruan jurusan akuntansi. Jurnal Bisnis Perspektif, 12(2), 115–122. https://doi.org/10.37477/bip.v12i2.97
Wardhanie, A. P., Kartikasari, P., & Wulandari, S. H. E. (2019). Analisis penggunaan media internet pada usaha mikro kecil menengah (UMKM) Jawa Timur untuk menembus pasar global dengan metode O2O. Jurnal Bisnis Terapan, 3(02), 179–188. https://doi.org/10.24123/jbt.v3i02.2513
Wulandari, S., & Rahmah, M. (2020). A survey on crowdsourcing awareness in Indonesia micro small medium enterprises. IOP Conference Series: Materials Science and Engineering, 769, 012016. https://doi.org/10.1088/1757-899X/769/1/012016
This study aims to analyze in depth the influence of business legality on the growth and increased competitiveness of Micro, Small, and Medium Enterprises (MSMEs). Business legality is seen as a crucial foundation in strengthening the position of MSMEs in the market, as it not only provides legal certainty but also fosters consumer trust in the quality of the products offered. This study uses a qualitative approach with data collection techniques such as field observations, in-depth interviews with business actors, and relevant documentation studies. The results show an increase in public awareness of the importance of having business legality, as evidenced by the increasing number of MSMEs officially registering their business permits. Furthermore, legality has been proven to increase the credibility of MSMEs, expand market access, facilitate collaboration with the private sector and government agencies, and open up opportunities for obtaining capital support. A significant increase in consumer trust is also evident, as MSME products with legality are more easily accepted and marketed through various distribution channels. Thus, this study confirms that business legality is not merely an administrative requirement, but rather a strategy that can encourage sustainable business growth and increase competitiveness at the local and national levels. In conclusion, the synergy between MSMEs and the government is the main key in encouraging the creation of a healthy, transparent, and highly competitive business ecosystem.
This Community Partnership Program (PKM) was implemented to enhance the capacity of Micro, Small, and Medium Enterprises (MSMEs) in Balang Baru Subdistrict, Tamalate District, Makassar City, particularly in financial management. The main problems faced by local MSME actors include low financial literacy and the absence of systematic and sustainable financial recording practices, which hinder optimal business performance evaluation. Through this program, a team from Universitas Negeri Makassar designed and carried out training and mentoring activities focused on the use of digital financial recording systems that are user-friendly for MSME actors. The activities included the preparation of training materials on basic financial management, hands-on practice in preparing simple financial statements, the use of digital bookkeeping applications, and an evaluation of their implementation. The training was conducted intensively over three days using interactive and practical methods. The results showed a significant improvement in participants’ understanding and skills in managing business finances, recording transactions in an organized manner, and preparing financial reports that could be used for basic business analysis. Moreover, the program encouraged MSME actors to become more independent in making data-driven business decisions. This initiative is expected to have a long-term impact in promoting professionalism among MSMEs and serve as a replicable model for community empowerment through improved financial literacy.
This community service program aims to enhance the visibility and competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Nusawungu Village through the creation of business location pins on Google Maps. The background of this initiative lies in the main challenges faced by local entrepreneurs, namely limited access to marketing channels and low digital exposure. Many businesses have been operating for years but remain difficult to find due to the absence of a clear digital identity, particularly on online maps. Therefore, this program focuses on utilizing Google Maps as an effective, low-cost, and accessible promotional medium. The program adopts the Participatory Action Research (PAR) method, emphasizing the active involvement of MSME actors in each implementation stage. The process began with mapping and collecting data on existing businesses, followed by classifying them into categories such as culinary, crafts, services, and trade. The next steps included filling in complete addresses, determining accurate coordinates, and uploading business and product photos. Verification of Google Maps profiles was then carried out to ensure that the businesses became officially accessible to the public. Furthermore, participants received guidance on adding supporting information, including operating hours, contact numbers, and social media links. The results demonstrated that all registered MSMEs successfully created active Google Maps profiles with complete information. The outcomes include increased consumer accessibility in locating businesses, recognizing available products or services, and directly contacting owners. This implementation has proven to make a significant contribution to market reach expansion and the strengthening of digital marketing strategies without requiring additional financial costs. These findings align with previous studies affirming the effectiveness of Google Maps as a promotional tool and a means of empowering MSMEs in rural areas. Moreover, this initiative opens opportunities for further development through integration with other digital platforms.
Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting regional economic growth, job creation, and equitable distribution of community welfare. In Cilegon City, MSMEs are growing rapidly in various sectors, but still face a number of fundamental challenges. The main problems faced include limited access to capital, low utilization of digital technology in business activities, limited managerial capacity, and less than optimal regulatory support oriented towards strengthening MSMEs. These conditions cause the competitiveness of MSMEs to be relatively weak compared to the large business sector, so that their contribution to the Gross Regional Domestic Product (GRDP) of Cilegon City is not optimal. This study aims to analyze policy strategies that can support the development of MSMEs in Cilegon City through a descriptive qualitative approach. The method used is a literature study and policy analysis by examining regulations, local government policies, and relevant previous research results. The analysis results show that there are several strategies that can be implemented, including: strengthening regulations and policies that favor MSMEs, expanding access to financing through collaboration with financial and banking institutions, developing human resource capacity through entrepreneurship and business management training, utilizing digital technology to expand market access, and building synergies between local governments, the private sector, and other supporting institutions. The implementation of these strategies is expected to increase the competitiveness of MSMEs, expand marketing networks, and encourage MSMEs to be more adaptive to technological developments and market needs. Thus, MSMEs in Cilegon City can make a more significant contribution to regional economic growth, create new jobs, and support sustainable economic development.
Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting the national economy, yet they still face challenges, particularly in maintaining financial records and reporting in accordance with the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM). Abata Galleries MSME, as the partner in this activity, previously did not have a structured financial recording system, thus requiring technology-based assistance. This training activity aims to strengthen financial literacy and bookkeeping skills through the use of the KASIU mobile application based on SAK EMKM. The methods applied included a pre-test, material presentation, hands-on practice with the application, a post-test, and an evaluative discussion. The results of the activity indicate a significant improvement in participants’ understanding of SAK EMKM as well as their skills in preparing financial reports in accordance with the standards using the KASIU application. Participants who previously had no knowledge of SAK EMKM are now able to comprehend and implement standardized financial recording. This activity also fostered behavioral changes, particularly the awareness of the importance of maintaining structured daily records, thereby supporting transparency, accountability, and business sustainability.
The village of Bungatan in Situbondo Regency, East Java, has significant economic potential through the presence of micro, small, and medium enterprises (MSMEs) spread across various sectors. However, the main issues faced by the MSME community in Bungatan Village include low legal literacy regarding business licensing, weak product identity in terms of design and information, and limited use of effective promotional media. Based on this, the objective of this community service activity is to increase the number of MSMEs with business legality, strengthen product identity to enhance competitiveness in the market, and build relevant visual promotion capabilities aligned with local characteristics. The method employed is the Asset-Based Community Development (ABCD) approach. The ABCD approach aims to raise community awareness of the assets they possess. The results of the SME development program in Bungatan Village demonstrate significant improvements in business legality, product identity, and promotional capacity through the Asset-Based Community Development (ABCD) approach. Overall, the outcomes of this activity indicate that empowerment based on local potential and active community participation can strengthen community economic resilience and open opportunities for sustainable SME development.
The village of Bungatan in Situbondo Regency, East Java, has significant economic potential through the presence of micro, small, and medium enterprises (MSMEs) spread across various sectors. However, the main issues faced by the MSME community in Bungatan Village include low legal literacy regarding business licensing, weak product identity in terms of design and information, and limited use of effective promotional media. Based on this, the objective of this community service activity is to increase the number of MSMEs with business legality, strengthen product identity to enhance competitiveness in the market, and build relevant visual promotion capabilities aligned with local characteristics. The method employed is the Asset-Based Community Development (ABCD) approach. The ABCD approach aims to raise community awareness of the assets they possess. The results of the SME development program in Bungatan Village demonstrate significant improvements in business legality, product identity, and promotional capacity through the Asset-Based Community Development (ABCD) approach. Overall, the outcomes of this activity indicate that empowerment based on local potential and active community participation can strengthen community economic resilience and open opportunities for sustainable SME development.
UMKM Tahu XYZ, a small-scale tofu producer, is currently facing significant challenges in maintaining consistent product quality, primarily due to a high defect rate. Common issues identified include crumbled tofu shapes, overly soft textures, and inconsistent taste, which negatively impact customer satisfaction and business sustainability. This study aims to investigate the root causes of these quality issues and propose practical solutions using the Lean Six Sigma methodology. The research employs a descriptive quantitative approach through the DMAIC framework—Define, Measure, Analyze, Improve, and Control—to ensure systematic problem-solving. Data were collected over a six-month period through direct observation, structured interviews, and review of production records. The analysis identified four dominant types of waste within the production process: unnecessary transportation, product defects, excessive movement, and over-processing. The root causes of these inefficiencies are linked to poor handling of raw materials, variability in soybean quality, and an ineffective production layout that hampers workflow and consistency. To address these problems, the study proposes several targeted interventions, including the redesign of the production layout to optimize flow, the implementation of the 5S (Sort, Set in order, Shine, Standardize, Sustain) workplace organization method, the development of standardized operating procedures (SOPs), and the adoption of improved soybean boiling technology. The implementation of these improvements is projected to significantly reduce product defects, enhance process efficiency, and ultimately increase customer satisfaction. Furthermore, these actions are expected to improve the overall competitiveness of UMKM Tahu XYZ within the highly demanding food industry sector. This research provides actionable insights for other micro, small, and medium enterprises (MSMEs) seeking to apply structured quality control methods to strengthen operational performance and long-term business resilience.
This study is driven by the importance of adopting digital-based marketing strategies in the agribusiness sector, particularly in rural areas such as Pacitan Regency. Y, as a local egg farming enterprise, seeks to enhance its marketing effectiveness through the implementation of Digital Marketing and digital customer relationship management (CRM). The objective of this study is to examine the influence of these two strategies on egg product marketing. This research employed a quantitative correlational approach, with data collected through questionnaires and interviews. The sample consisted of 97 respondents who are consumers of Y. The results show that both Digital Marketing and digital CRM simultaneously have a significant effect on improving product marketing. Digital Marketing plays a role in expanding reach and product appeal by utilizing online platforms and targeted advertising, which helps increase product visibility to a broader audience. Meanwhile, digital CRM is effective in building long-term relationships and customer loyalty by providing personalized services, improving customer engagement, and maintaining communication. These findings imply that the integration of both strategies is highly relevant for micro-enterprises to improve competitiveness in the digital era, as they allow businesses to reach a wider market while fostering strong customer connections. This study also contributes to the development of literature on digital agribusiness marketing and serves as a practical reference for business promotion strategies, especially for small-scale enterprises looking to leverage digital tools for growth.
This study also highlights the importance of education and training for farmers to improve their technical skills in farming and managing their farms. Training in the use of modern agricultural technologies, such as automated fertilizing tools and efficient irrigation systems, can help farmers reduce production costs and increase yields. Furthermore, training in digital marketing can help farmers market their products more effectively through online platforms, reducing reliance on intermediaries and increasing profit margins. Furthermore, it is crucial for the government to provide support in the form of extension services and easy access to business capital. More accessible capital will enable farmers to invest in more efficient equipment and more environmentally friendly organic fertilizers. Targeted microcredit distribution to farmer groups can also accelerate the adoption of new, more productive agricultural technologies. The adoption of sustainable and environmentally friendly agricultural practices should be a long-term focus to ensure the registration of shallot farming businesses. Farmers need to be incentivized to use organic fertilizers and natural pesticides that are safer for the soil and air. Furthermore, the implementation of integrated and environmentally friendly farming systems such as agroforestry can also be an alternative to increase agricultural yields without damaging the environment. With improvements in education, training, access to capital, and the adoption of more efficient technology, shallot farming in Pasir Village can develop better and become more sustainable in the future. Furthermore, collaboration between farmer groups and local research institutions and universities can also be key to introducing new agricultural innovations.
This study analyzes the impact of implementing Indonesia’s Law No. 27 of 2022 on Personal Data Protection (PDP Law) on cybersecurity in the e-business sector. Using a normative qualitative approach through literature analysis, this research examines the regulation’s implications for technical infrastructure, compliance procedures, and human resource capacity development within e-business operations. The findings indicate that although the PDP Law provides a comprehensive legal framework and human-centered principles for personal data protection, its implementation faces technical, operational, and economic challenges, particularly for micro, small, and medium enterprises (MSMEs). These challenges include limited security infrastructure, lack of technical expertise, and high investment costs. Nevertheless, adopting strategies such as multi-layer security architecture, zero-trust security model, privacy by design, and strengthening human resource capacity can enhance consumer trust, industry credibility, and the global competitiveness of Indonesia’s e-business sector. This study contributes to the literature by bridging the gap between personal data protection regulation and cybersecurity practices while offering strategic recommendations for both business actors and regulators.
This Community Service Program (PKM) aims to improve the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) of poor crackers in Setu Kulon Village, Weru District, Cirebon Regency, through Instagram-based digital promotion strategies. The problems faced by partners include minimal digital literacy, limited promotion, and still relying on conventional marketing. Through training activities, mentoring, and promotional content creation, students play an active role as digital transformation facilitators for business actors. The results of the activities show an increase in the ability of partners to manage social media accounts and the opening of new markets outside the region. This activity proves that the use of social media can be an effective, cheap, and applicable solution in the development of local-based traditional MSMEs
The number of micro, small, and medium-sized businesses (MSMEs) active on social media is on the increase. Because of this, many Indonesian MSMEs advertise their wares on social media. The snack food MSME industry is one that is seeing expansion. In recent times, TikTok has gained popularity as a promotional medium that offers cost-effective information delivery. The impact of TikTok on live streaming engagement, which mixes entertainment aspects with commercial messaging, has been the subject of several studies in the marketing literature. The purpose of this research is to find out how much of an effect the TikTok Live streaming account @sajodosnack has on people's inclination to buy. This research used a quantitative technique based on a survey method. The theory utilized includes Live streaming with the dimensions of Perceived Product Quality, Real-Time Interaction, and Host Credibility, and Purchasing Decisions with the dimensions of Problem Recognition, Information Search, Alternative Evaluation, Purchase Decision, and Post-Purchase Behavior. Using a random sample approach, 105 respondents who were fans of the TikTok account @sajodosnack were given questionnaires to fill out in order to gather data. According to the findings, those who participated in the study agreed with the claims made about the TikTok live streaming variable (X). On top of that, all statements pertaining to the purchase choice variable (Y) in the survey were met with favorable responses from respondents. The impact of TikTok live streaming on purchase choices for Sajodo Snack is strongly correlated (r=0.710); live streaming accounts for 50.3% of the total, while other variables account for the remaining 49.7%.
This study analyzes the application of the compound interest concept in evaluating capital growth among vegetable vendors at the MMTC Traditional Market in Medan, North Sumatra. The research highlights the low level of financial literacy among micro-entrepreneurs in Indonesia, which currently stands at only 38.03%, and its implications for business sustainability. Traditional market traders generally employ basic bookkeeping practices focused solely on daily cash flow, without considering the time value of money or the growth potential from systematic profit reinvestment. Using a mixed-methods approach, this study combines semi-structured interviews to explore existing financial management practices with quantitative modeling based on the discrete compound interest formula to simulate various capital growth scenarios. The analysis reveals that disciplined reinvestment strategies, even when initiated with modest capital and conservative growth rates, can lead to substantial capital accumulation within three to five years. Three primary barriers to capital growth were identified: limited understanding of financial mathematics, lack of long-term planning, and a tendency to prioritize immediate consumption over investment. This research underscores the transformative potential of compound interest principles for micro-enterprise development and recommends practical financial literacy training along with supportive financial ecosystems that encourage sustainable reinvestment practices.