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This study aims to analyze in-depth the interest of the Setro Village community in choosing PNM Mekaar Syariah financing as a source of capital for micro and small enterprises (MSMEs). This phenomenon is interesting because it shows how economic, social, and spiritual factors contribute to the financial decisions of rural communities. This research was conducted using a qualitative exploratory approach, using case studies and in-depth interviews with key informants. To explain the relationship between attitudes, subjective norms, and behavioral control on community intentions to choose Islamic financing, data analysis was conducted thematically. The Theory of Planned Behavior (TPB) framework was also used. The study shows that positive community perceptions of ease of access, economic benefits, and compliance with Islamic principles are the main factors shaping community interest in PNM Mekaar Syariah. Fast, easy, and uncomplicated financing increases consumer trust and enhances perceived behavioral control. Conversely, increased business capital and family income enhance the sustainability of micro-enterprises. The institution is given moral legitimacy and spiritual conviction by the implemented Islamic values, such as the yield system and the freedom from usury. Community participation decisions are also driven by social factors such as group support, advice from group leaders, and the quality of service provided by field officers. Theoretically, this study adds local religiosity and socio-cultural aspects to enrich the application of the Theory of Planned Behavior in the context of rural Islamic finance.

Global economic developments show the acceleration of the adoption of circular business models, where resource efficiency and waste reduction are the main focuses to answer sustainability demands and SDGs targets. Although this trend is strengthening globally, MSMEs, especially those based on family businesses, are still lagging behind in their implementation, even though digitalization is increasingly opening up opportunities for operational optimization and innovation. The urgency of this research arises from the need to understand how the digital mindset and transformation of family business management can accelerate the readiness of MSMEs in implementing circular business practices. The novelty of this research lies in the integration of the three strategic concepts into a single analytical framework through the Systematic Literature Review (SLR), a perspective that has rarely been combined in previous studies. With the SLR method based on the PRISMA protocol, this study shows that MSMEs already have a strong foundation in the digital mindset, including technology readiness, innovation orientation, and adaptation of digital business models. Family business values have also been proven to support business continuity through knowledge transfer and long-term investment. However, the implementation of circular business practices is still weak, especially in resource cycle management, sustainable product design, and environmental impact measurement. The implication is that the synergy of digital mindset and family business governance can strengthen the transition of MSMEs to a circular economy that directly supports the achievement of the SDGs, especially in the areas of sustainable consumption-production and industrial innovation.

This study aims to describe the dynamics of family business management at Teras Herritage Café in Malang City by highlighting role division, communication patterns, business operations, challenges, and the relationship between family and non-family employees. Using a qualitative approach with a case study strategy, data were collected through semi-structured interviews with the owner, family members, and non-family employees, as well as direct observation at the business location. The results show that café management is strongly influenced by family values, particularly the principle of mutual cooperation and role flexibility that allows all family members to be actively involved in operations. Although differences of opinion often arise, they are resolved through open communication, preventing significant conflict. The main challenges of the business include limited digital marketing, location competition, and suboptimal technical facilities. The relationship between family and non-family employees is harmonious, characterized by fair treatment and an inclusive work environment. The study's conclusions confirm that family social capital is a key strength in maintaining business stability, but strengthening the management structure, marketing strategy, and long-term planning is needed for the business to grow sustainably.

This community service activity was carried out in Kuala Indah Village with the aim of improving the skills and economic independence of the community through creative entrepreneurship training in the form of making liquid dish soap. This program was motivated by the socio-economic conditions of the village community, the majority of whom work In the informal sector with uncertain incomes, so that alternative businesses that are easy to do and have economic value are needed. The implementation method of the activity consisted of three stages: socialization, provision of materials, and direct practice of soap making. The results of the activity showed that the community was very enthusiastic in participating in the training and was able to practice the soap making process independently, from mixing the ingredients to packaging the final product. Through this activity, the community gained new knowledge about the ingredients, functions, and benefits of dish soap, as well as opportunities for developing it as a household business. This training successfully improved the skills, motivation, and entrepreneurial spirit of the Kuala Indah Village community, while also opening up opportunities for the formation of independent small businesses that have the potential to improve the family economy

Stunting remains a significant child health issue in Indonesia, particularly in Bulungan Regency, with prevalence rates demanding multisectoral interventions. Low socioeconomic factors play a crucial role in stunting incidence due to limited access to nutritious food and healthcare services. This community service aims to optimize rice waste, especially straw and husks, as alternative energy sources to empower local economies and prevent stunting in Sajau Hilir Village. A participatory method was employed through direct education and training involving the PKK women's group. The activities focused on socializing the processing of rice waste into economically valuable products such as rice husk charcoal briquettes and biosensitizers from rice straw. The results showed increased knowledge and skills among community members in converting waste into environmentally friendly and marketable alternative energy products. Utilizing rice waste not only reduces agricultural waste but also opens new economic opportunities sustainably and independently, strengthening family economic resilience and enhancing the ability to meet children's nutritional and healthcare needs. Thus, optimizing rice waste provides a strategic contribution to integrating environmental management and accelerating stunting reduction through local economic empowerment. Recommendations include strengthening community institutions, developing joint business units, and fostering collaboration between universities and local governments.

Podorejo Village is located in the westernmost part of Ngaliyan District, Semarang City, bordering Kendal Regency. Its area is quite large compared to other villages in the district. Its population is around 10,000. Most of them make their living from farming, while others engage in trade. The area consists of agricultural land and gardens, most of which are planted with cassava. Cassava is a prominent commodity in the region, but its utilization has not been optimally optimized.Seeing the potential of the region, the Community Service team conducted entrepreneurship outreach to housewives in the area, utilizing local commodities, namely cassava, as the basic ingredient for various processed foods as an alternative business to help supplement family income. This outreach will increase the economic value of cassava, which previously only processed into chips and cassava tape. By innovating cassava processing into contemporary foods that are popular with children and ready to be sold in the market.Our community service activities included outreach on entrepreneurship, motivating women to start businesses utilizing cassava through various innovations. The activity took place on October 19, 2025, with 18 participants. They were very enthusiastic about participating. The outreach program resulted in an increased understanding of entrepreneurship and its management, skills, and interest in starting a business. Evaluation results showed an increase in understanding, exceeding 50%, after pre- and post-tests. The target output of this community service program is publication in national journals, HKI videos, YouTube, and through mass media.

The development of traditional markets is increasingly threatened by market transformation, both physically and through online sales systems (e-commerce). This study aims to analyze the forms of resilience implemented by clothing vendors at Wage Market, Tulungagung, in maintaining their business continuity amidst declining market conditions. This study uses a qualitative approach with a case study research design. This research utilizes James S. Coleman's Rational Choice Theory. The methods used are observation, interviews, and documentation. The subjects in this study were six people consisting of four clothing vendors, the Head Coordinator of Wage Market, and the Heads of Market Technical Implementation Units throughout Tulungagung Regency. Subject selection was based on a purposive sampling technique. The results show that the forms of trader resilience consist of economic, innovation, social networks, and psychological aspects. Economically, traders maintain their businesses through managing capital owned by personal savings and cooperative loans. In terms of innovation, traders utilize simple technology and a variety of merchandise patterns. In terms of social networks, family support and solidarity among traders are the main strengths, while psychologically, optimism and religious beliefs help them survive. The implications of this research emphasize the importance of strengthening vendor strategies through digital marketing training and support for market revitalization policies from local governments to maintain the economic sustainability of vendors during times of market transformation.

Poverty reduction in Indonesia is supported by economic activity and social assistance programs, the government provides business capital loans so that people do not depend on social assistance. One of them is PNM Mekaar which aims to develop and empower MSMEs in order to improve the economy and improve the welfare of program implementers, namely underprivileged women. However, problems occur in the implementation of this program, such as use of business capital for personal needs and weekly installment bills without training for customers. This study aims to determine the effectiveness of capital provided by PNM Mekaar for socio-economic needs of families in Sitinjak, South Tapanuli. This research uses descriptive qualitative methods so researchers can better understand the problems that occur. Data collection techniques in is interviews, observation, literature study and documentation. The conclusion obtained from the results of this study is that business capital loans provided by PNM Mekaar are not effective in meeting the socio-economic needs of families. Effectiveness can be measured through following 5 indicators: 1). Indicators of program understanding which show that there are customers who do not know about the purpose of Mekaar, 2). Target accuracy shows that there are customers who are not classified as underprivileged, 3). Timeliness shows that there are customers who do not attend group meetings and are delinquent in weekly payment installments, 4). Achievement of goals shows that only customers who have a business that has increased income, the businesses run by customers are in the MSME and Agriculture sectors. 5). Real changes show that customers' personal financial management is not yet good. Meanwhile, the socio-economic needs of the family which include food, clothing, shelter, education, and health can be met even before becoming PNM Mekaar customers.

The purpose of this activity is to socialize disease management and demonstration plots for making simple herbal remedies for native chickens in Liang Village, Salahutu District during the rainy season. This activity was carried out in Liang Village, Salahutu District, which took place in September 2025. The target of this activity is native chicken farmers in Liang Village, Salahutu District. The implementation of this PKM activity includes 3 stages, namely: preparation, implementation and monitoring evaluation. The results obtained from the PKM activity are the implementation of socialization activities and demonstration plots for making simple herbal remedies for farmers in Liang Village, Salahutu District, Central Maluku Regency. Socialization related to types of diseases, treatment and prevention of diseases in native chickens. The conclusions that can be conveyed are as follows: increased knowledge about the introduction of native chicken diseases and their prevention, the creation of motivation for business development because they have the right knowledge about the advantages of raising native chickens, increased knowledge and skills about making and administering simple herbal remedies to native chickens, increased knowledge and desire to try native chicken farming as a source of nutritious food and can increase family income, and low mortality rates of native chickens in the rainy season.

Many young people in Indonesia have a strong interest in starting their own businesses; however, only a small portion are able to turn this interest into a sustainable entrepreneurial career. This study aims to explore in depth how family support plays a role in the journey of young entrepreneurs, from the early stages of entrepreneurial exposure to the formation of entrepreneurial identity and personal values. The research employs a qualitative method with a narrative-biographical approach. Participants were selected using purposive sampling, and data were collected through semi-structured interviews with the main subject and significant others who have close relationships with the subject. The data were analyzed using Braun and Clarke’s thematic analysis technique, which focuses on identifying meaning and patterns within the subject’s life experiences. The findings reveal four main themes: (1) the process of early entrepreneurial learning and exposure, (2) the role and dynamics of family support in fostering entrepreneurial resilience, (3) turning points in career transformation and the formation of entrepreneurial identity, and (4) personal principles and values that guide business practices. The results emphasize that family support is not only material but also serves as a psychological and emotional factor that plays a crucial role in the success of young entrepreneurs in building and sustaining their businesses.

Family businesses are not only viewed as sources of economic profit but also as inheritances carrying historical and cultural values. This study focuses on the life meaning of the fourth-generation heir of Sate In Bur in Lima Puluh Kota Regency in continuing the family business that has existed for several decades. The purpose of this research is to explore the subjective meaning formed through the heir’s experiences in facing the challenges of maintaining a family enterprise. This study employs a qualitative method with a phenomenological approach to deeply understand the reality experienced by the subject. The research subject was selected purposively based on the criterion of being an active heir currently managing the business. Data were collected through in-depth interviews and documentation, then analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings reveal five main themes: facing declining income due to market competition, expanding business reach through innovation and digital promotion, strengthening business continuity as a moral responsibility to the family, preserving culinary heritage and local culture, and improving product quality to maintain customer loyalty. These findings indicate that the heir’s life meaning is not solely oriented toward economic aspects but also encompasses family values, cultural identity, and social responsibility in sustaining the longevity of the family business.

 The worsening economic conditions in this new normal era have made the family economy even worse. The prolonged lockdown conditions have limited employment opportunities, while income has decreased. To balance the amount of expenditure and family income, additional family income is needed, in conditions like this, the role of a woman in a family is needed. This study will try to examine and formulate a model of women's empowerment with a creative economy community approach in improving family welfare. Rural women's empowerment activities that will be carried out are providing entrepreneurial motivation, forming business groups, training and business management. Data were collected using observation, interview and questionnaire methods. This research was conducted on village communities, especially housewives in Beringin Village, Beringin District, Deli Serdang Regency. The research used experimental and survey methods. Data analysis techniques used qualitative and quantitative descriptive methods. The outputs of the research are (1) a draft model of women's empowerment with a creative economy community approach in improving family welfare and (2) publication in a national journal with a Technology Readiness Level (TKT) level three. The results of this first year of research are a draft model of women's empowerment. This empowerment model is able to attract the attention of women to actively participate in improving family welfare.

Community Service Learning (CSL) is a tangible manifestation of the implementation of the Tri Dharma of Higher Education, which aims to apply knowledge within the community, particularly in addressing economic challenges in rural areas. This study focuses on the effectiveness of the UIN SU student KKN programme in Sugihen Village, Juhar Subdistrict, Karo Regency, which carries the theme of economic empowerment of the community. The research method used a qualitative approach with participatory observation and practical demonstration techniques, directly involving the Sugihen Village community. The results showed that this programme significantly improved the participants’ knowledge and technical skills, transforming their roles from passive consumers to active producers. This training not only helped reduce household expenses but also opened up new business opportunities that had the potential to increase family income. Therefore, this KKN programme can serve as an effective strategic model for creating stable and independent community-based economic growth.

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 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.

Financial management includes and effective practices in managing financial resources. Good financial management includes understanding financial goals, financial planning and budgeting to manage expenses and income. However, MSMEs still have low knowledge of managing financial. This service aims to distribute aid help assistance to street vendors so they can manage their finances efficiently and help determine financial goals.  Good financial management provides a strong foundation for achieving individual or family financial goals. The methods used are location surveys, socialization of financial management and evaluation. The impact from this devotion activity is to increase their understanding of how to effectively manage finances, including daily recording of expenses and income. Through this activity, MSME players' understanding and awareness of the importance of good financial management can be increased.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in enhancing community economic growth. Good economic growth serves as an indicator of the government’s success in implementing development programs. This research aimed to analyze the development of MSMEs, particularly in Koting B Village, focusing on two indicators, namely, business development, which covers health, education, employment, and housing. The research used a descriptive qualitative approach using observation, interviews, and documentation techniques. The findings revealed that MSMEs actors have undertaken various efforts to develop their businesses, such as obtaining capital loans, determining selling prices, and enhancing marketing activities. The existence of MSMEs helped communities meet additional family economic needs. The results also indicated that village government support need to be further optimized, particularly in terms of access to capital, human resources, and marketing through the utilization of digital platforms, to improve the competitiveness of MSMEs so they can continue to grow and make a significant contribution to national economic growth.

The 2025 Real Work Lecture Program (KKN) of PGRI Wiranegara University (UNIWARA) Team 12 was carried out in Pohjentrek Village with a focus on empowering MSMEs, improving literacy, environmental education, food security, and character education. The main issues identified include low awareness among SME actors regarding the importance of business legality, low basic literacy skills among elementary school students, high rates of open waste burning, and the emergence of social issues related to bullying among teenagers. The methods used include mentoring, socialization, training, and active participation in community activities. The results of the activities showed that 15 MSMEs were successfully registered through OSS, with three of them obtaining NIB and halal certificates; tutoring and regular literacy assistance twice a week improved students' literacy skills; the initiation of a community literacy corner began to be implemented in one of the neighborhood associations (RT); socialization of waste management encouraged four households to practice composting; the introduction of vertical farming through the distribution of vegetable seeds supported family greening and food security; and anti-bullying socialization at SMPN 6 helped students recognize their potential using the SMART method. The conclusion of this program is that KKN is able to provide a multidimensional impact through collaboration between students, the community, and the village government, while strengthening community awareness of business legality, literacy, the environment, food, and character.

The Effects of Study Practices, Learning Resources, and Home Environment on High School Students’ Academic Performance in Yogyakarta Province. Thesis. Yogyakarta: Faculty of Economics and Business, Yogyakarta State University. 2025. This research investigates how Study Practices, Learning Resources, and Home Environment affect the Academic Performance of high school students in Yogyakarta Province. It is classified as associative/causal research utilizing a quantitative methodology. The participants in this study included high school students from the Special Region of Yogyakarta Province. The sample comprised 160 respondents, selected through random sampling. Data were analyzed using SPSS software. The findings revealed the following: (1) Study Practices positively and significantly impact academic performance, demonstrated by a calculated t value greater than the t table (4.210 > 1.97529) with a significance level of 0.000, which is less than 0.05. (2) Learning Resources also show a positive and significant effect on academic performance, with a calculated t value exceeding the t table (2.306 > 1.97529) and a significance level of 0.022, which is less than 0.05. (3) The Home Environment positively and significantly influences academic performance, indicated by a t value greater than the table value (2.104 > 1.97529) and a significance level of 0.037, which is below 0.05. (4) Study Practices, Learning Resources, and Home Environment collectively have a positive impact on student academic performance, with a calculated F value exceeding the F table (42.608 > 2.66) and a significance level of 0.000, which is less than 0.05.

The KKN Program of Universitas PGRI Adi Buana Surabaya for the 2024–2025 period in Kajeksan Village, Sidoarjo Regency, focuses on the issue of family food security by implementing a mixed farming system based on the use of used goods. This service method uses Participatory Action Research (PAR) through the stages of to know (identifying problems), to understand (socialization of concepts), to plan (design a system from gallons of mineral water), to act (training and assistance in making hydroponics-aquaponic systems, making fish feed from household waste, and natural vitamins), and to change (evaluation and sustainability). As a result, there is an improvement in community skills with the realization of catfish harvest along with optimal kale growth, opening household business opportunities, and creating a sustainable empowerment model through appropriate technology transfer.