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This qualitative literature review examines the key predictors of SME recovery from severe financial distress, focusing on financial blockages, employee dynamics, and turnaround success. The study synthesizes findings from various sources to highlight how financial challenges such as liquidity shortages and limited access to credit hinder recovery, while government support and alternative financing offer potential solutions. Additionally, employee engagement, organizational culture, and strategic leadership are identified as critical factors in successful turnaround efforts. SMEs that foster innovation, adaptability, and retain key employees are more likely to overcome financial crises. The review emphasizes the importance of a holistic approach, combining financial relief, strategic leadership, and organizational resilience, for long-term SME recovery. The findings suggest avenues for future research on the interaction of these factors and their context-specific impacts.

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.

Racism and gender bias are two major barriers affecting the growth and business opportunities for entrepreneurs in the Micro, Small, and Medium Enterprises (MSMEs) sector in Indonesia. Despite the significant contribution of MSMEs to Indonesia’s economy, women entrepreneurs and those from minority ethnic groups often face challenges in accessing financing, business networks, and broader markets. This article examines the direct and indirect impacts of racial discrimination and gender bias on MSME entrepreneurs, while identifying strategies that can be implemented to create a more inclusive and equitable entrepreneurial ecosystem. Through a literature review and secondary data analysis, this study finds that women entrepreneurs in Indonesia access only 10% of the total loans given to MSMEs, while male entrepreneurs access over 70%. It is recommended that government policies strengthen support for women and minority entrepreneurs through more inclusive financing policies, as well as providing more open mentorship programs and business networks for marginalized groups. By reducing racial discrimination and gender bias, it is hoped that the MSME sector can grow more evenly and sustainably, thereby enhancing Indonesia’s economic competitiveness

This study uses a quantitative method to examine the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in the context of economic development, focusing on their role in poverty reduction and improving welfare. MSMEs play an essential role in creating jobs, alleviating poverty, and strengthening the economy, particularly in developing countries such as Indonesia. The study aims to analyze how MSME empowerment can reduce existing social and economic inequalities, while also contributing positively to the social welfare of communities. The main focus of this research is on empowerment programs implemented by both the government and the private sector, as well as the challenges and opportunities for MSME players across various sectors. Using primary and secondary data from 15 relevant journals, this study finds that better access to financing and appropriate training can increase MSMEs’ competitiveness, improving the welfare of micro and small business owners. The findings are expected to provide valuable insights for policymakers in formulating more effective MSME empowerment strategies.

In the midst of the rapid development of science and technology, graduates are required to be prepared to face the business world of the industrial world. To face this phenomenon, it is necessary to strengthen graduate competencies in the form of PKL. This form of graduate competency aims to enable graduates to compete and have an overview of the business world of the industrial world. The method in this study is a case study and field with a qualitative approach. The results of community service at the Pontianak City Sharia Pawn Office are that graduates have knowledge of sharia pawn products, assist in the flow of the sharia pawn process, observe the appraisal of pawn goods, assist in transaction administration, study and explain products, assist in the financing disbursement process, observe the auction process, risk management, and carry out marketing activities. The findings are: The Sharia Pawn Office should further increase the socialization of sharia products to the public to expand the market, optimize the use of IT in customer service to increase efficiency and conduct periodic training for employees related to the development of sharia products and services.

This journal examines the implementation of banking financing products within the framework of Islamic law, focusing on the principles and practices of Islamic banking. The study explores how Islamic banking products align with Shariah principles, emphasizing compliance with prohibitions such as riba (usury), gharar (uncertainty), and maysir (gambling). The analysis also references the legal framework governing Islamic banking in Indonesia, particularly Law No. 21 of 2008 on Islamic Banking, and the regulations issued by the Financial Services Authority (OJK). The study evaluates the role of Islamic banks in promoting economic justice, financial inclusivity, and sustainable development. The findings aim to provide a comprehensive understanding of how Islamic finance products contribute to economic growth and the challenges faced by Islamic banking institutions in Indonesia’s financial market.

Baitul Maal Wat Tamwil (BMT) is a sharia-based microfinance institution that plays a role in providing financing to the community, particularly micro-entrepreneurs, to help them avoid reliance on loan sharks. This study focuses on the implementation of the murabahah contract at BMT As'adiyah Sengkang, using a descriptive qualitative approach through interviews, observations, and document analysis. The findings indicate that the murabahah contract is implemented based on the principles of Islamic justice, involving transparency in pricing and profit margins while ensuring that transactions are conducted voluntarily. The financing mechanism includes customer eligibility surveys, financial capacity analysis, and the determination of fair profit margins. This murabahah contract significantly benefits the local economy by facilitating access to interest-free financing without late payment penalties. In conclusion, the implementation of the murabahah contract at BMT As'adiyah Sengkang aligns with sharia values, supports the economic empowerment of the Muslim community, and contributes to the growth of sharia-based financial inclusion at the local level.

This study aims to analyze the contribution of Islamic economic policies to macroeconomic stability in Indonesia through various Islamic financial instruments. The results show that Islamic economic policies, including Islamic banking, zakat, waqf, and sukuk, play a significant role in supporting economic stability and fostering real sector growth. Profit-sharing financing offered by Islamic banking, for instance, provides a fairer and more flexible alternative compared to conventional systems. Furthermore, wealth redistribution instruments such as zakat and productive waqf have proven to help reduce poverty and improve community welfare. However, challenges remain regarding the low financial literacy of Islamic finance and the lack of infrastructure supporting its implementation. This study suggests the need for strategic steps to strengthen Islamic financial literacy, enhance digital technology, and strengthen collaboration between the government, Islamic financial institutions, and society in promoting inclusive and sustainable Islamic economic growth.

The mechanism of state debt management is a process involving fiscal and monetary policies to regulate the issuance, use, and repayment of state debt. In its management, the government usually uses instruments such as bonds, bilateral loans, and multilateral loans to finance the budget deficit. State debt can be used to fund infrastructure projects, health, education, and other important sectors, but its management must be careful so as not to burden the economy. One important aspect of debt management is maintaining the debt ratio to Gross Domestic Product (GDP) so that it remains under control. If state debt increases significantly without being balanced by economic growth, it can pose a risk of inflation, a larger budget deficit, and a reduction in market confidence in the government's ability to repay debt. On the other hand, good debt management can encourage economic growth by financing productive projects that increase competitiveness and public welfare. Strict supervision of debt allocation and transparency in the use of funds are essential to avoid misuse and increase the effectiveness of debt management. In addition, the role of international institutions such as the IMF and the World Bank is also crucial in providing technical advice and support for sustainable debt management policies.

A business feasibility study is an in-depth analysis process to assess whether a business or project is feasible to run. This process includes a review of various interrelated aspects, such as market aspects, finance, field facts, and other factors. The market aspect focuses on demand, supply, and competition in the market that is the target of the business, while the financial aspect assesses the business's ability to generate profits and meet financial obligations. Financial analysis involves planning funds, capital structure, and estimating costs and revenues needed for operations. Investment, financing, and dividend decisions are very important in managing a company's finances, especially for start-up companies. The use of analysis tools such as financial ratios and the Economic Value Added (EVA) method allows companies to assess their financial performance and efficiency. Risk analysis is also an important part of decision making to minimize potential losses. Overall, a business feasibility study helps companies plan long-term strategies, manage risks, and ensure the continuity and growth of their business.

This study aims to identify obstacles and opportunities in the development of Micro, Small, and Medium Enterprises (MSMEs) in Mojokerto Regency, Indonesia from a macroeconomic perspective. Using the Systematic Literature Review (SLR) method, this study analyzes various literature and secondary data from national and international sources. The research findings show that MSMEs in Mojokerto Regency face several major obstacles, including limited access to financing, lack of digital literacy, inadequate infrastructure, and challenges in improving the quality of human resources. On the other hand, there are significant opportunities for MSME development through the use of digital technology, government policy support, and export market development. From a macroeconomic perspective, the success of MSME development in Mojokerto will not only have an impact on improving the welfare of local communities but can also contribute to regional and national economic growth. Recommendations from this study include increasing access to financing, accelerating the development of digital infrastructure, and strengthening the capacity of MSME actors through entrepreneurship training and technological literacy. By overcoming these obstacles and utilizing existing opportunities, MSMEs in Mojokerto Regency have the potential to become a driving force for a stronger and more sustainable economy.

This study focuses on the marketing strategy of the Murabahah bil Wakalah financing product at Bank Muamalat Indonesia KCU Denpasar, Badung Regency, Bali. Murabahah is a sales contract that states the acquisition price and the agreed profit margin, while wakalah is the delegation of purchasing goods on behalf of the first party. The study aims to examine the marketing strategy and customer interest in this financing product. The research method used is descriptive qualitative, with data collection techniques through interviews, observation, and triangulation, and data analysis techniques including data reduction, data presentation, and conclusion drawing. The results show that the marketing strategy includes several elements: product (iB Hijrah Multiguna Consumer Financing and iB Muamalat KPR), price (transparent and mutually agreed upon), place (strategic office location), promotion (social media, website, email marketing), people (professional staff), process (focused on customer satisfaction), and physical evidence (supportive physical elements). Customer interest is influenced by internal factors, trust, and a sense of security. The study's implications can serve as a reference for Bank Muamalat to increase the attractiveness of financing products to customers.

In alongside demonstrating how strategic cost management approaches can lower banking risks, the study sought to address the theoretical underpinnings of both banking risks and strategic cost management techniques. as well as identifying the most important measures through which banking risks to which economic units are exposed can be reduced to a minimum by helping to deal with situations in which the future cannot be predicted with certainty and that banking risks arise from the financing side. The study was applied in a sample of banks listed on the Iraq Stock Exchange, and the focus was on commercial banks because of the exposure of these banks to a range of banking risks, the most important of which are credit risks, liquidity, exchange rate and interest rate. These banks also suffer from problems related to operational decisions such as pricing decisions. Strategic cost management techniques are a set of tools and methods that are appropriate to the needs of the modern business environment, which is concerned with cost analysis in a broad framework through its ideal position in order to improve the cost structure and achieve competitive advantage. This was the most significant finding of the research. The research discovered that strategic cost management techniques can help reduce risks and rationalize operational decisions, through which they can respond quickly to customer requirements and provide sufficient flexibility for any Changes that may occur and the delivery of products to them as quickly as possible while adhering to the standards of the modern corporate environment.

The sustainability of the agribusiness sector is very dependent on the certainty of land rights, which is the main asset for business actors in this sector. Land registration is an important instrument in providing legal certainty for land ownership, which can ultimately encourage stable and sustainable agribusiness development. This article discusses the role of land registration in protecting ownership rights for agribusiness actors in Indonesia and analyzes the role of government policies, such as the Complete Systematic Land Registration Program (PTSL), in speeding up the land certification process. With legal certainty obtained through land certificates, agribusiness actors can avoid agrarian conflicts, gain access to financing, and run businesses more safely and in a planned manner. Apart from that, land registration policies also have the potential to support regional economic development, reduce agrarian conflicts, and encourage sustainable management of land resources. However, implementing this policy still faces challenges, including bureaucratic obstacles and low public understanding. Therefore, the government's role in improving policies and overcoming existing obstacles is very necessary to create an inclusive, competitive and sustainable agribusiness sector in Indonesia.  

This research aims to (1) explain the murabahah financing system at BMT Insan Sejahtera, (2) SWOT analysis of the development of BMT Insan Sejahtera, (3) MUI fatwa regarding usury-free murabahah financing. This study uses a qualitative descriptive method. With primary and secondary data types. Data triangulation is carried out using the interview method. The results shown in the study (1) financing at BMT Insan Sejatera, present changes to the welfare of members. Based on the conclusions of the members, BMT has had a positive impact on increasing business and welfare. With amount based on murabahah financing as of January 1, 2024, to October 23, 2024, it is said to be Rp. 2,390,914,753.00 as many as 272 members, (2) The location of the current financing in the first quadrant (positive, positive) is a profitable position, which supports the implementation of an aggressive strategy (3) And that the installment payment period for murabahah financing at BMT Insan Sejatera does not affect the total price of the goods that have been agreed upon. This proves that the murabahah financing practice at BMT Insan Sejahtera does not contain usury.

The prospects of Islamic banking in Indonesia, when viewed from the real sector, are quite positive. Because, the operationalization of Islamic education does not matter! interest, and the income comes from the retum for the harvest! for projects financed or margin financing the sale and purchase of goods. In this way, it can be ascertained, that theoretically Islamic banking is very interested in encouraging the progress of the nile sector. The most important thing for Islamic banking is that no matter how advanced and developed it is, it will never leave the real sector, because it is from this sector that banking activities emerge. Unlike the conventional banking system, the monetary sector has grown far away from the real sector of Inl. This is because, with interest, money has shifted from just a medium of exchange to a commodity. 

Mortgage rights are one of the most common legal forms of collateral used in financing transactions in Indonesia. Parate execution is one of the important innovations in the mortgage rights system. This mechanism allows creditors to sell collateral objects directly without going through court proceedings. This research aims to analyze the legal regulations regarding the execution parate for collateral rights objects in positive law in Indonesia, the effectiveness of the implementation of the execution parate for collateral rights objects in legal practice in Indonesia. The research method uses normative research methods and secondary data. The legal arrangements for execution parate in positive law in Indonesia have been well designed to meet practical needs in debt settlement. The execution parate is one of the important mechanisms in the guarantee legal system in Indonesia, especially in the context of mortgage rights.  However, its implementation still faces challenges, especially in terms of protecting debtor rights and potential abuse by creditors.

This study aims to analyze the role of crowdfunding, impact investing, zakat, and waqf as alternative financing in supporting sustainable development in Indonesia. The research method used is qualitative descriptive with a case study approach based on secondary data from literature and empirical reports. The results show that crowdfunding mobilizes community funds for environmental projects such as mangrove conservation in Kalimantan, significantly reducing carbon emissions. Impact investing supports strategic sectors like Islamic fintech and affordable housing, creating both social and financial impact. Zakat contributes to improved welfare through skills training and healthcare services, while waqf supports the development of sustainable social infrastructure. However, the management of zakat and waqf faces challenges in transparency and public participation. This study bridges the literature gap with empirical evidence highlighting the effectiveness of alternative financing in sustainable development. The conclusion emphasizes the need for a strategic integration of alternative financing to accelerate the achievement of sustainable development goals in an inclusive manner.

Education plays a vital role in creating quality, competitive human resources, which is a national priority, including in Indonesia. This study focuses on the effectiveness of managing the committee funds at MTsN 1 Banyuwangi to support educational financing that is not fully covered by the state budget (APBN). Using a qualitative approach through interviews, observations, and documentation, the results show that the management of committee funds has been efficient. In 2021-2022, the received funds amounted to IDR 1,357,610,000, with a realization rate of 93.87%. The following year, committee funds amounted to IDR 1,130,600,000, with 100% realization and a surplus of IDR 33,600,000, which was carried over to 2023-2024. In this period, the received funds amounted to IDR 1,351,125,000, with a proposed budget of IDR 2,080,715,000. As of now, the realization stands at 64.93%, and the management is ongoing as the school year has not yet finished. The committee funds play a crucial role in fulfilling the educational financing needs not fully covered by the national budget and contribute to the improvement of educational quality at MTsN 1 Banyuwangi.

Micro, Small and Medium Enterprises (MSMEs) have an important role in the Indonesian economy, including Warung Madura MSMEs. This research aims to analyze the development strategy of Warung Madura MSMEs from an Islamic economic perspective. This research uses a qualitative approach. Data collection techniques through in-depth interviews with Warung Madura owners and economic observers. A literature study was also carried out to explore the concept of Islamic economics and its application in developing MSMEs. The results of the research show that Warung Madura's MSME development strategy from an Islamic economic perspective offers a holistic and sustainable approach. By applying the principles of justice, sustainability, business ethics, human resource development and access to appropriate financing, Warung Madura can increase its competitiveness and contribute more to the local economy. It is hoped that this research can provide insight for stakeholders in formulating more effective MSME development policies and programs.