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Abu A’la Al Maududi; Nur Fadillah Dalimunthe; Malikul Sholeh As Salim; Khairun Nisa

Jurnal Pengabdian Sosial dan Kemanusiaan 2026 Lembaga Pengembangan Kinerja Dosen

This study explores the profound impact of teacher personality competence on student character formation through a descriptive narrative lens grounded in the sociology of education. Education is not merely a technical transfer of knowledge but a complex social process where the teacher acts as a pivotal moral agent and role model. By synthesizing classical sociological paradigms—Functionalism, Conflict Theory, and Symbolic Interactionism—with contemporary empirical evidence, this article argues that a teacher's personality is a dynamic social construct that shapes the "hidden curriculum" and the overall school climate. The narrative analysis reveals that traits such as empathy, integrity, and social justice are not just individual attributes but essential tools for moral socialization and the internalization of collective values. The study finds that teachers who embody these virtues foster a sense of social belonging and ethical responsibility in students, effectively bridging the gap between individual identity and societal expectations. The article concludes that strengthening teacher personality competence is a strategic imperative for developing a resilient and morally grounded generation, recommending integrated professional development that emphasizes the teacher's role as a moral authority in the 21st-century social landscape.

Erysa Nimastuti; Sri Roekminiati; Ika Devy Pramudiana; Sapto Pramono

SOSIAL: Jurnal Ilmiah Pendidikan IPS 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The acceleration of stunting reduction in Ponorogo Regency faces challenges regarding the complexity of the issue and regional fiscal constraints, necessitating strategic cross-sectoral collaboration. This study aims to evaluate the synergy of Bank BCA's Corporate Social Responsibility (CSR) program through the "Bakti BCA" scheme in supporting local government policies related to specific and sensitive nutrition interventions. This research employs a qualitative approach with a case study design. Data collection was conducted through in-depth interviews with key informants from Bank BCA Ponorogo management, Bappeda, the Health Office, and beneficiary families, complemented by participatory observation and a review of the Regional Action Plan (RAD) documents. Data analysis was performed interactively by integrating the Collaborative Governance framework from Ansell and Gash, William N. Dunn's six policy evaluation criteria, and Mark Moore's Public Value concept to analyze the dynamics of cooperation and program performance achievements. The results indicate that the established synergy meets the criteria of appropriateness and effectiveness, where CSR interventions successfully bridged the gap in sanitation services and nutritional fulfillment in stunting locus villages uncovered by the regional budget (APBD). This collaboration proved successful in creating public value in the form of improved physical health status of toddlers, regional budget efficiency, and high community responsiveness. It can be concluded that this strategic partnership effectively accelerates the achievement of stunting reduction targets through equitable resource distribution. This study recommends that private sector engagement be formally integrated from the development planning deliberation (Musrenbang) stage to ensure long-term impact sustainability.

Pangesti, Astri Indah; Sihombing, Grace Prima Apriani; Mira Oktaviana Whisnu Wardhani

Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Marriage has an important role in shaping the family structure in society. However, in recent years, the marriage rate in Indonesia has experienced a significant decline, reaching 7.51% in 2023. This decline is caused by various factors, one of which is the increase in cases of Domestic Violence (KDRT), which gives a negative image to the institution of marriage. This article aims to examine the stigma of violence and the fading of the institution of marriage. This research aims to analyze the views of employees of PT. Sicepat Express Indonesia from 2018 to 2023. This study uses a qualitative descriptive method to understand employees' views on this issue.  Based on data, in 2023 there will be 289,111 cases of violence against women and 351,828 divorces, of which domestic violence is the main factor. The results show that many individuals feel worried and reluctant to get married due to the growing negative stigma. These findings reveal that domestic violence not only has a direct impact on victims, but also affects the way people, especially the younger generation, view marriage as an institution that ideally brings happiness.

Faridatuz Zulfa; Evi Pebri Ila Rachma

Publikasi Para ahli Bahasa dan Sastra Inggris 2026 Asosiasi Periset Bahasa Sastra Indonesia

This study is focused on the use of discourse markers in Donald Trmpu’s rally victory speech. The purposes of this study are to find out the types of discourse markers used during the speech and the functions by using Fraser’s theory (2009) to examine the types of discourse markers and Schiffrin’s theory (1987) to analyze their functions. In this study, the data used are words and phrases from the utterances uttered by Donald Trimp which included to discourse markers. Therefore, the researcher used qualitative research method to analyze this topic. The reearcher also used data analysis technique from Miles, Huberman, and Saldana (2014). In conclusion, the researcher found all types of discourse markers used by Donald Trump on his rally victory speech. There are 227 data included in the discourse markers. Among them are 54 contrastive discourse marker, 148 elaborative discourse markers, 20 inferential discourse markers, and 5 temporal discourse markers. Elaborative Discourse Markers are dominant used by Donald Trump. Based on the functions, the writer found that from 5 functions of discourse markers. There are Marker of Response, Marker of Connectives, Marker of Cause and Effect, and Marker of Information and Partiipation.

Dinda Ameliya; Geby Fatmawati; Mawaddah Syafitri Lubis; Priska Amalia Sipayung; T. Khairani Nada Syavah Harumy

Jurnal Pengabdian Kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

Banana blossoms are often considered waste and rarely utilized by the community, even though this material is easily obtained, has nutritional value, and has the potential to be processed into economically valuable food products. This community service activity was carried out in Melati II Village, Pasar 6, Pala Hamlet, Perbaungan District, with the aim of providing assistance to the community in processing banana blossoms into chips as an alternative snack. The implementation method included a brief counseling on the potential and benefits of banana blossoms, training in processing techniques, hands-on practice in making chips, and a simple evaluation of the quality of the resulting product. The results of the activity showed that the community was able to process banana blossoms into chips with a crispy texture, acceptable taste, and an attractive appearance. In addition to improving community skills and creativity, this activity also helped reduce organic waste and opened up sustainable household-scale business opportunities for the local community.

Muchamad Fachryan Winata; Syamsul Hadi; Ilham Fadilla Kusuma; Wira Atha' Dzakwan Firdaus; Bagus Aditya Nurhidayat +2 more

Konstruksi: Publikasi Ilmu Teknik, Perencanaan Tata Ruang dan Teknik Sipil 2026 Asosiasi Riset Ilmu Teknik Indonesia

The unknown exact flexural strength of low carbon steel, Randu ribs wood, paving stones, and lightweight bricks is a problem faced. The purpose of this research is to obtain the flexural strength of low carbon steel, Randu ribs, paving stones, and lightweight bricks. The research method is carried out through the preparation of low carbon steel specimens 16mmx200mm, Randu ribs 40mmx60mmx250mm, paving stones 55mmx100mmx200mm, lightweight bricks 95mmx100mmx300mm, Tarno Grocky flexural testing machine settings, flexural testing support distance for low carbon steel 160mm, Randu ribs 220mm, paving stones 170mm, and lightweight bricks 260mm, flexural testing of each material, making flexural stress and deflection curves for low carbon steel, and analyzing flexural test results. The results of the study showed that the flexural strength of low carbon steel was 698 MPa at a deflection of 1.1 mm, the flexural strength of Randu rib wood in an upright position was 40.7 MPa, in a horizontal position was 55.5 MPa, in a normal position of paving stone in an upper position (normal) was 6.64 MPa, in a lower position (upside down) was 6.62 MPa, and in a lightweight brick was 1.28 MPa, which implies that the type of material, the distance between supports and the cross-section of the specimen greatly affect its flexural strength, except for ductile materials for low carbon steel which do not have flexural strength, but have yield strength at a certain deflection.

Fathul Isya Aiyuning

Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan 2026 Asosiasi Riset Ilmu Pendidikan Indonesia

This article aims to describe the forms of danger, identify the causal factors, formulate strategies, and explain the role of parents in creating safe and inclusive parenting for children with disabilities. Children with disabilities are highly vulnerable to various forms of danger, including physical and emotional neglect, due to a lack of parental understanding and strong social stigma. The method used is descriptive qualitative with a literature review approach, analyzing data from books, scientific journals, and official reports. The results indicate that risky parenting is caused by a lack of knowledge, economic pressure, and insufficient support from the environment and Non-Formal Education (NFE) institutions. The key strategy to overcome this is through strengthening parental education (inclusive parenting classes), collaboration between NFE institutions and the community, and creating accessible and secure learning environments. In conclusion, NFE has a strategic role as a bridge for parents to gain knowledge and support, thus strengthening a safe, loving, and difference-appreciating family environment. This research emphasizes the novelty of NFE’s role in integrated family-community support to ensure optimal development for children with disabilities.

Lu'luil Maxnun; Ati Sadiah; Rendra Gumilar; Astri Srigustini; Kurniawan +4 more

Jurnal Pengabdian dan Pembangunan Lokal 2026 Lembaga Pengembangan Kinerja Dosen

The policy to implement the deep learning approach in Indonesian schools starting from the 2025/2026 academic year requires teachers to be well prepared to design and conduct meaningful and in-depth learning. This community service program aimed to enhance the understanding and pedagogical competence of senior high school and madrasah economics teachers in Tasikmalaya City in implementing the deep learning approach comprehensively. The program employed a community-based science and technology application scheme through training and mentoring activities conducted in face-to-face, online, and hybrid modes, consisting of planning, implementation, and evaluation stages. The training materials covered the concept and implementation of deep learning, lesson planning, instructional design and models, learning evaluation, development of innovative technology-based learning media, and reinforcement of microeconomic and macroeconomic content. A total of 78 economics teachers participating in the MGMP of Tasikmalaya City were involved in the program. The results indicate that the training improved teachers’ understanding of deep learning, lesson planning, and assessment strategies that support meaningful learning. Participants’ reflections revealed high motivation and strong relevance of the training materials to their professional duties. This program contributes to strengthening teachers’ readiness to implement deep learning sustainably and supports the improvement of economics learning quality in schools.

Trisnani Widowati; Mia Hafizah Tumangger; Kartika Dwi Hapsari; Itsnayni, Itsnayni; Wanda Febi Safira +2 more

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Family management plays a pivotal role in establishing equilibrium between emotional dynamics and communication among family members. The family environment constitutes the primary context in which children learn to interact, communicate, and develop their character. Parental communication patterns, along with their capacity for emotional regulation, serve as critical determinants of a supportive home atmosphere conducive to children’s developmental and educational outcomes. This study aims to examine the influence of communication management and emotional management within the family on the development of children’s emotional intelligence and their overall academic success. This research employs a literature review approach by critically analyzing various sources, including scholarly journals, books, and relevant empirical studies. The findings indicate that effective communication management characterized by openness, empathy, and mutual respect strengthens parent child emotional bonds, enhances learning motivation, and improves academic achievement. Furthermore, sound emotional management enables parents to regulate stress and model appropriate self-control, thereby fostering a harmonious and productive learning environment within the household.

Alannah Grace Kuhn

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Attention span and cognitive focus in young minds these days are increasingly structured by the growing influence of digital distractions. Drawing from the ideas of Foucault and Nietzsche, this paper examines how technology molds behavior and, at the same time, is used as a tool of control through power relations. This digitally fosters a form of nihilism, the sense life has no purpose. By using a mixed-methods approach, this research combines the surveying and in-depth interviewing of students and instructors about how technology influences attention, learning, and academic performance. Results indicate that while technology brings many benefits, it also provides significant challenges-most notably via social media and smartphone distractions. These distractions reduce attention spans, decrease deep learning, and contribute to cognitive overload. This study therefore calls for the integration of technology into education in a balanced way, highlighting digital literacy, mindful use, and distraction-reduction strategies. In the process, self-awareness, self-regulation, and responsible use will allow people to use its benefits rather than fall into disengagement and cynicism. Technology should serve as a tool for learning and growth-not a barrier to focus and intellectual development.

Muhammad Haizul Falah; Durorin Nuha Achfama

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This research aims to critically examine the ethical integration of artificial intelligence (AI) in education through the perspective of maqāṣid al-sharīʿah, emphasizing the alignment between technological innovation and Islamic moral principles. The methods used are a systematic literature review and thematic content analysis against peer-reviewed publications for the period 2015–2025, which discuss the application of AI in primary, secondary, and higher education. The study identified dominant ethical issues, such as data privacy, algorithmic bias, accountability, human agency, and moral development, which were then mapped to Islamic ethical goals, including ʿadl (justice), amānah (belief), karāmah al-insān (human dignity), and ḥifẓ al-ʿaql (protection of reason). The results of the analysis show that the adoption of AI in education often emphasizes efficiency, personalization, and predictive analytics, but has the potential to reduce learners' autonomy and ethical reasoning. The mapping of maqāṣid al-sharīʿah shows a strong normative conformity, so that Islamic principles can be a moral foundation as well as a practical guide for AI governance. The research contribution is theoretical by bridging the literature on AI ethics and Islamic educational philosophy, as well as practical by offering an integrative framework for AI policymakers, educators, and developers. The integration of maqāṣid al-sharīʿah in AI governance ensures justice, trust, inclusivity, and the development of the whole human being (insān kāmil).

Nur Halimatus Sa'diyah; Ani Afifah; Keto Susanto

Algoritma : Jurnal Matematika, Ilmu pengetahuan Alam, Kebumian dan Angkasa 2026 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This research aims to develop a deep learning-based mathematics e-module with the integration of the context of the Suramadu Bridge in scale and comparison materials for grade VII junior high school students. The development model used is the 4D (Define, Design, Develop, Disseminate) model which includes the stage of defining learning needs, designing e-modules, product development, and limited deployment. The research instruments used included validation sheets of media and material experts, observation sheets of teacher and student activities, learning outcome tests, and student response questionnaires. The results of the study showed that the e-modules developed met the valid criteria with a media validity level of 94.29% and material of 95%. In addition, the e-module is considered practical with teacher practicality of 78.67% and students of 86.67%, and effective with a learning effectiveness rate of 83.83%. The students' response to the e-module was also very positive, which showed that the integration of the local context of the Suramadu Bridge and the deep learning approach was able to increase student engagement, learning motivation, and understanding of mathematical concepts in a meaningful way. These findings indicate that local context-based e-modules can be an innovative alternative in mathematics learning that is relevant to students' real lives as well as support the implementation of 21st century learning.

Putri Azizah Sahirah; Citra Ayni Kamaruddin; Sri Astuty; Regina Regina; Basri Bado

International Journal of Economics, Commerce, and Management 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Stocks represent a capital market instrument with the potential to generate high returns. When making investment decisions, investors typically assess various internal aspects of a company, including its financial performance. The objective of this study is to examine the influence of profitability, liquidity, and leverage ratios on stock prices in the Indonesian banking sector, with a particular focus on state-owned banks, in both partial and simultaneous regression models. The methodology employed is quantitative analysis, with a secondary data set being utilized. The sample was determined using a purposive sampling technique, covering four state-owned banks (BRI, BNI, Mandiri, and BTN) for the 2010-2024 period. The findings of the analysis demonstrate that profitability and leverage exert a substantial negative influence on the stock prices of these banking institutions, while the liquidity ratio does not demonstrate a significant effect. Concurrently, all three variables exert an influence on stock prices, with an R-squared value of 58%.

Muhammad Haizul Falah; Muhammad Kafi Adi Satria

International Journal of Education and Literature 2026 Lembaga Pengembangan Kinerja Dosen

This study investigates how faith-based giving can be transformed into measurable development impact in the education sector, focusing on the Global Muslim Philanthropy Fund for Children (GMPFC) established by the Islamic Development Bank (IsDB) in partnership with UNICEF. Traditional Islamic philanthropic instruments, such as zakat and sadaqah, often provide short-term relief but lack structured governance, limiting their long-term impact on educational outcomes. Using a qualitative-explorative, this research analyzes secondary data from 2021–2025, including institutional reports, program documents, and peer-reviewed literature, to assess how GMPFC operationalizes faith-based resources through pooled, multilateral, and impact-oriented mechanisms. The findings indicate that GMPFC strategically funds education-enabling conditions, including child health, nutrition, psychosocial wellbeing, and youth empowerment, which are empirically linked to school readiness, retention, and learning quality. Comparative analysis shows that GMPFC outperforms traditional philanthropy and conventional aid by combining cultural legitimacy, institutional rigor, and alignment with Sustainable Development Goals (SDGs). Its governance model ensures standardized monitoring, fiduciary oversight, and cross-sectoral integration, addressing longstanding limitations of fragmented philanthropic delivery. Despite its effectiveness, the study highlights a lack of longitudinal learning outcome data, limiting precise quantification of educational impact beyond enabling conditions. Nonetheless, GMPFC exemplifies a hybrid development-finance model, demonstrating how Islamic philanthropic values can be operationalized to generate sustainable, measurable contributions to child education and human capital formation. These findings offer actionable insights for policymakers, development practitioners, and faith-based organizations aiming to scale philanthropic resources for education in vulnerable contexts.

Dinda Febta Meliyana; Sri Nurul Utami; Kharisma Orchida; Aliyati Maninda; Tubagus Sena Mulya +3 more

Ekspresi : Publikasi Kegiatan Pengabdian Indonesia 2026 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Technological developments and modern lifestyles have indirectly changed the way elementary school children interact with their surroundings. Most of them spend all day playing with gadgets. The lack of physical interaction with the natural environment is not just a matter of preference, but can also affect many important aspects of child development. Therefore, an innovative approach is needed to bridge this gap, namely, through aquascape training. Aquascape is the art of arranging and combining aquatic plants, water, sand, stones, driftwood, and other elements in a playful manner through a combination of underwater aesthetic styles in an aquarium. The purpose of this training is for children to be invited to directly recognize and understand aquatic ecosystems, but also to actively practice their responsibility, creativity, and awareness. Thus, it is hoped that aquascape training can divert a small portion of screen time to more meaningful real experiences, shaping a generation that is more connected to nature and the surrounding environment. The community service program was conducted for 110 fifth-grade students at Kebalenan State Elementary School in Banyuwangi Regency on January 14, 2025. The activity was carried out in person. Session 1 focused on Environmental Education and Ornamental Fish, while Session 2 involved training in creating a simple aquascape. During the training, the students showed high motivation, enthusiasm, and interest in participating in the activity.

Himmatul Ngaliyah

Jurnal Riset Ilmu Pendidikan, Bahasa dan Budaya 2026 Asosiasi Periset Bahasa Sastra Indonesia

Language is part of culture. Not everyone knows the philosophy and meaning behind the names of food. The purpose of this study is to find out the meaning, function, and value of the names of jenang in Purworejo Regency, Central Java. In addition, to find out what the philosophy of naming jenang is in Purworejo Regency, Central Java. From the perspective of semiotics (Roland Barthes' semiotic theory), semantics, culture and philosophy, several conclusions can be drawn. This research method includes a qualitative descriptive research method. Research data were obtained using the technique of listening and speaking. The data analysis method uses qualitative descriptive. Data analysis uses Rolland Barthes' semiotic theory. The author also briefly touches on meaning using a semantic perspective. In Purworejo Regency, eight (8) types of jenang are familiar in the daily lives of the people in Purworejo Regency, namely jenang sumsum, jenang abang putih, jenang procot, jenang candil, jenang katul, jenang pathi kerut (jenang garut), jenang krasikan, and jenang alot.

Novita Kusumaning Tyas; Ariana Oktavia

International Journal of Multilingual Education and Applied Linguistics 2026 Asosiasi Periset Bahasa Sastra Indonesia

English Correspondence is an important course for university students from non-English departments as it equips them with professional writing skills needed in the workplace, including job application letter writing. This study aims to describe students’ writing outcomes in writing job application letters after receiving instruction in an English Correspondence course. The study employed a descriptive qualitative research design. The participants consisted of 22 students from a non-English department enrolled in the English Correspondence course at Stekom university. The data were obtained from students’ final job application letters and analyzed using an analytic writing assessment rubric focusing on content relevance, completeness of letter structure, organization, and use of formal English. The findings reveal that students generally achieved good writing outcomes in writing job application letters. The strongest aspect was the completeness of letter structure, indicating that most students were able to apply the standard format and components of a job application letter appropriately. Students also demonstrated relatively good performance in content relevance and use of formal English. However, weaknesses were identified in organization and language accuracy, particularly in developing coherent ideas and using grammatically accurate formal expressions. The analysis of representative excerpts from students’ letters further illustrates variations in writing quality across aspects. Overall, the findings suggest that instruction in the English Correspondence course contributed positively to students’ ability to write job application letters. This study highlights the importance of examining students’ writing outcomes holistically to provide insights for improving instructional practices in teaching professional writing.

Andiny Putri Vanosha; Azizah Azizah; Febrian Febrian; Greshela Putrinova; Hafizah Luthfiyyah +6 more

Studi Administrasi Publik dan ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to comprehensively examine the role of social media influencers in shaping public opinion among university students through a literature review approach. The background of this research is based on the rapid development of information technology and social media, which has given rise to influencers as new communication actors with strong influence in the digital public sphere. Influencers act as opinion leaders who not only deliver information but also frame messages, construct narratives, and disseminate various issues to their audiences. University students are selected as the focus of this study because they represent an active, critical group of social media users who are highly exposed to digital content. The research method employs a literature review by analyzing various national and international scholarly journals relevant to the topics of influencers, social media, and public opinion formation. The findings indicate that influencers have a significant impact on shaping students’ mindsets, attitudes, perceptions, and attention toward social, political, cultural, and lifestyle issues. Factors such as credibility, popularity, and the intensity of interaction between influencers and their audiences play an important role in determining the effectiveness of this influence. Based on these findings, it can be concluded that social media influencers play a strategic and increasingly dominant role in the process of public opinion formation among university students in the era of digital communication.

Alvi Setya Kurnia Dewi; Anita Qoiriah

Modem : Jurnal Informatika dan Sains Teknologi 2026 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

Mathematics is a core subject that develops critical thinking skills; however, many third to fifth-grade elementary school students face difficulties with conventional teaching methods that tend to be uniform and less adaptive. This study aims to develop and implement a mobile-based educational game, "Ethno Run," which integrates the Bayesian Knowledge Tracing (BKT) algorithm to provide an adaptive learning experience. The method used is Research and Development (R&D) with the Multimedia Development Life Cycle (MDLC) framework. The system uses BKT to track students' mastery in real-time by analyzing their responses to pre-tests and exercises within the game, which then adjusts the difficulty level and focuses the post-test on areas identified as weak, such as arithmetic operations and geometry. The findings show that this adaptive approach significantly improves learning outcomes, with the average score increasing from 44.33 on the pre-test to 85.33 on the post-test among 30 students. This study concludes that the integration of Artificial Intelligence through BKT effectively personalizes learning, enhances student motivation, and provides data-driven insights for teachers regarding students' progress. The implication of this research is that adaptive game-based learning serves as a feasible interactive solution to bridge the gap in conventional basic mathematics education.

Ayu Angelina Pasaribu; Herry Daniel Laurent Marpaung; Yosie Gabriela Panjaitan; Lestari Sihite; Fajar Solidman Larosa

Jurnal Pengabdian dan Solidaritas Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in accelerating regional economic growth and improving community welfare. However, MSMEs in North Sumatra Province continue to face various challenges, particularly limited access to capital, low adoption of digital technology, and insufficient business assistance. This community service program aims to strengthen the MSME ecosystem through integrated empowerment initiatives, including facilitating access to financing, enhancing the use of internet-based technologies, and improving the capacity of MSME actors. The methods applied include business mentoring, training activities, and analysis of MSME performance in both short-term and long-term perspectives. The results indicate that expanded access to capital and increased adoption of digital technology contribute positively and significantly to MSME income growth in both the short and long term. Interestingly, the absence of guidance, training, and extension services shows a positive correlation with income in the short term but has a significant negative impact on business sustainability and stability in the long term. Furthermore, reliance on bank loans consistently demonstrates a significant negative effect on MSME performance across both analytical periods. These findings highlight the importance of building a sustainable MSME ecosystem through continuous mentoring, improved financial literacy, and adaptive digital transformation to ensure long-term business resilience.