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The lontar leaf stitching home industry is a micro-enterprise that produces various types of crafts made from lontar leaves, commonly used in traditional and religious ceremonies. This industry plays a significant role in the local economy and cultural preservation. The objectives of this study are: (1) to analyze the simultaneous effect of capital, raw materials, working hours, and business duration on the income of lontar leaf stitching home industries in Sibetan Village, Karangasem Regency; and (2) to analyze the partial effect of capital, raw materials, working hours, and business duration on the income of these industries. The population of the study consists of all 50 lontar leaf stitching home industries in Sibetan Village. A saturated sampling technique was used, meaning the entire population was taken as the sample. The data were analyzed using multiple linear regression analysis with the assistance of SPSS version 26. The results show that capital, raw materials, working hours, and business duration simultaneously have a significant effect on income, accounting for 96.8 percent of the variance. Partially, each of these variables also has a positive and significant effect on income. It is recommended that artisans manage their capital efficiently—including utilizing financing from village credit institutions (LPDs)—select quality raw materials, optimize working hours, and leverage business experience through support from village-owned enterprises (BUMDes) to expand marketing and increase income.

Micro, Small, and Medium Enterprises (MSMEs) have an important role in supporting the national economy, especially in the agricultural and livestock sectors. Mr. Hanafi's cattle farming business in Patumbak Village is one that plays a very important role in empowering the local economy. However, the limitations of the local community to be able to utilize the potential of resources have caused the progress of cattle sales to be less than optimal. The purpose of this study is to improve the knowledge and skills of cattle farming entrepreneurs through business management strategies, namely marketing strategies. The implementation of activities uses direct socialization and practice methods to cattle farming entrepreneurs, related stakeholders, and local community leaders. It is hoped that through a community empowerment approach in cattle farming business management strategies, it can help the local economy and maximize economic growth.

This community empowerment activity was carried out in Kassi Village, Rumbia District, Jeneponto Regency. Kassi Village is located in a highland area and has agricultural and plantation land that includes secondary crops and horticulture. Kassi Village also has attractive tourism potential and an art studio that showcases various traditional dances. This wealth of resources supports the growth of Micro and Small Enterprises (MSEs) in Kassi Village, with 89 MSEs recorded in 2022. However, this abundance of natural potential has not yet contributed significantly to the MSEs, which tend to remain stagnant. To address this issue, the Tim PKM provided optimization services for Micro and Small Enterprises (MSEs) through a business workshop program. The method used in this community empowerment effort is a capacity building method with a participatory approach. The results of this activity showed that the problems faced by business actors were effectively resolved through intensive training and the formation of the Baji Kassi Community to optimize the performance of MSEs in Kassi Village by providing consultation services.

This community empowerment activity was carried out in Kassi Village, Rumbia District, Jeneponto Regency. Kassi Village is located in a highland area and has agricultural and plantation land that includes secondary crops and horticulture. Kassi Village also has attractive tourism potential and an art studio that showcases various traditional dances. This wealth of resources supports the growth of Micro and Small Enterprises (MSEs) in Kassi Village, with 89 MSEs recorded in 2022. However, this abundance of natural potential has not yet contributed significantly to the MSEs, which tend to remain stagnant. To address this issue, the Tim PKM provided optimization services for Micro and Small Enterprises (MSEs) through a business workshop program. The method used in this community empowerment effort is a capacity building method with a participatory approach. The results of this activity showed that the problems faced by business actors were effectively resolved through intensive training and the formation of the Baji Kassi Community to optimize the performance of MSEs in Kassi Village by providing consultation services.

Digital transformation brings significant changes in the way micro, small, and medium enterprises (MSMEs) carry out marketing strategies. However, many laundry business owners in rural areas, such as in Ngimbangan Village, have not optimally utilized digital marketing to improve competitiveness. This community service activity aims to increase the digital capacity of laundry business owners through digital marketing training, in order to increase business visibility and expand market reach. This activity adopts a Participatory Action Research (PAR) approach, which involves collaboration between researchers and community members at every stage of the research process, from planning to implementation and evaluation. The implementation method includes counseling, practical training, and mentoring on the use of social media, creation of promotional content, and utilization of digital platforms. The digital marketing training activities held to increase the turnover of MSMEs digital marketing training for laundry business owners to increase visibility and expand market reach in the digital era in Ngimbangan Village, Mojosari District, Mojokerto Regency, went smoothly according to the plan that had been set. The results of the activity showed an increase in participants' understanding and skills in implementing digital marketing strategies. In addition, some participants began to actively promote their businesses through social media. This activity proves that digital marketing training can be an effective means of local economic empowerment in facing the challenges of the digital era.

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in supporting the national economy, particularly in the fisheries sector. This study was conducted through a direct interview with a fish farming MSME, GG Sawah Farm, managed by Legiono. The purpose was to explore the dynamics of catfish and pangasius farming businesses, including business history, capital needs, marketing strategies, and the challenges faced. The findings reveal that despite its promising economic potential, the business encounters various obstacles such as feed costs, seed availability, and climate changes. However, through innovations such as the use of alternative feed, social media marketing, and product diversification into the frozen food sector, the enterprise has managed to survive and grow. This study recommends improving production efficiency, increasing financial support, and encouraging collaboration with stakeholders to enhance the sustainability and development of small-scale fish farming businesses in Indonesia.

This activity aims to increase the business capacity of MSME actors through business management training, digital marketing, and technical assistance. The activity was held on April 16, 2025 at the Tempe Tofu Production Center, Jl. Macan Lindungan No.43 Bukit Kecil Village, Ilir Barat 1 District, Palembang, with a total of 20 traders. The methods used include initial observation, program socialization, financial management training, social media workshops, and marketing strategy assistance. The results showed that 80% of participants began to use digital platforms for promotion, 7 traders succeeded in preparing capital assistance proposals, there was an improvement in product packaging, and the formation of the "Tahu Tempe Mandiri" business group. This program has a positive impact on increasing turnover and market access. For sustainability, it is recommended that there be further training and collaboration with relevant agencies.

Micro, Small, and Medium Enterprises (MSMEs) have a significant role in the economy, including MSMEs in the culinary sector such as Putri Ice Cream Business. Decision making related to optimal resource allocation is crucial to increase the efficiency and profitability of MSMEs. This study aims to apply the linear programming method with the primal simplex algorithm to minimize production costs in the case study of Putri Ice Cream MSME. The objective function is to minimize the total production cost, as well as the limitations related to the availability of main raw materials and machine production capacity. Data on main raw materials and machine production capacity were obtained from the Putri Ice Cream MSME which was the case study. The results of the study show that the application of the primal simplex method produces an optimal solution that provides recommendations for product combinations for each type of Putri Ice Cream with minimal production costs. Sensitivity analysis was also conducted to test the stability of the optimal solution to changes in capital. This study provides a practical contribution to Putri Ice Cream MSME in optimizing their resource allocation and increasing cost efficiency through a quantitative approach.    

This study aims to explore the extent to which the application of accounting in the musyarakah contract affects the success of micro-business financing. The research was conducted at one of the Islamic Rural Financing Banks (BPRS) in Palembang. A qualitative approach was used to gain a deep understanding of the role of accounting in the implementation of the musyarakah contract, with a focus on the processes of recording, reporting, and financial supervision of micro-financing. The results indicate that the proper application of accounting in the musyarakah contract significantly contributes to the success of the financing. This is reflected in increased transparency, accountability, and the ability of micro-businesses to manage finances more effectively. The study recommends that BPRS intensify accounting support and education for customers to maximize the benefits of musyarakah financing.

Digital transformation has become a major force in driving innovation in the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. This research examines the role of technology platforms as a key driver in facing challenges and capitalizing on opportunities in the digital economy era. Through a descriptive qualitative approach, this study analyzes how MSMEs adopt digital platforms such as e-commerce, digital payments, and cloud-based technology to improve operational efficiency, expand market reach, and drive sustainable business growth. The results show that the utilization of technology platforms not only accelerates innovation in products and services, but also increases the competitiveness of MSMEs in the global market. However, technology adoption still faces obstacles such as limited digital literacy, infrastructure, and access to financing. Therefore, support from various parties, including the government, private sector, and educational institutions, is needed to create an inclusive and sustainable digital ecosystem for MSMEs in Indonesia.

This study aims to analyze the competitive advantage strategy of Islamic Banks using the Porter's Five Forces approach, which is used to understand the competitive position of Islamic Banks in facing the dynamics of the financial industry that continues to grow. This study includes qualitative research methods with the approach of Field research and Library research, which are supported by interviews or observations as the main data collection techniques. The results of the study indicate that the Threat of New Entrants BSI Karang Kobar is aware of the threat of new entrants and faces internal challenges, especially in the marketing aspect which is still low. Customer strength is shown through the influence of satisfaction with products and employee behavior on loyalty, especially on flagship products such as KPR, gold installments, and micro financing. Supplier strength shows that there is a great opportunity for suppliers to establish partnerships with Islamic financial institutions. The threat of substitute products has not been found directly, but digital transformation to the Byond By BSI platform is a concern. In industrial competition, BSI Karang Kobar admits that it still faces challenges, such as limited economies of scale compared to conventional banks. Thus, the application of sharia principles in the formulation of business strategies allows Islamic banks to build customer loyalty and create sustainable competitive advantages. Porter's Five Forces approach has proven to be relevant and effective in helping Islamic banks formulate adaptive and valuable strategies in facing competition in the modern financial industry.

Competition within Indonesia's banking landscape, specifically at BSI KCP Purwokerto Karangkobar, necessitates flexible strategies to stay relevant. This research assesses how the utilization of SERVO (Strategy, Environment, Resources, Value, Organization) analysis impacts the performance of the firm. Employing qualitative descriptive techniques, information was gathered through comprehensive interviews, observations, and document reviews. Results reveal that strategies focusing on digital advancement, community engagement, and operational effectiveness are vital components. Cooperation among departments, particularly between gold services and microfinance, fosters social bonds and enhances transparency. The teller and security teams uphold service excellence through the consistent application of Standard Operating Procedures. The SERVO framework has shown to be effective in merging digital advancements with sharia principles within company operations, which enhances customer satisfaction and boosts competitiveness. Proactive modifications in response to evolving customer demands are essential for enhancing institutional effectiveness.

Service quality is the level of excellence or specialty of a service that can meet the needs and expectations of the community. Public service is an activity carried out by the government and other institutions to meet the needs of community services in accordance with laws and regulations. This service can be in the form of public goods, public services, and/or administrative services. The purpose of this study was to determine the quality of service in issuing Business Identification Numbers for micro businesses at the Pekanbaru City Investment and One-Stop Integrated Service Office and its supporting and inhibiting factors. This study uses a qualitative approach. Data collection techniques use interviews. Data analysis in this study was carried out using qualitative descriptive. The results of the study explain that the quality of service is already in the good category which is assessed from the transparency in the services provided where there is openness in the service process, services that are in accordance with the rules and there is ease in the service process. The principle of accountability in improving service quality to ensure that each service can be accounted for and provide services in accordance with the conditions that have been set. Community participation in improving services has been carried out well by providing services according to rights and balance. Supporting factors in improving service quality include the ability of employees to serve, the availability of supporting facilities and infrastructure, and the development of a better service system as part of improving services. While inhibiting factors include increased supervision and complicated bureaucracy in efforts to improve services.

This article discusses the impact of Islamic microfinance on the welfare of micro, small, and medium enterprises (MSMEs) in Indonesia. The research aims to examine how sharia-based financing schemes contribute to the development and sustainability of MSMEs. This qualitative-descriptive study used literature review and documentation methods. Findings indicate that Islamic microfinance through contracts such as murabahah and mudharabah significantly enhances business productivity and financial independence of MSME actors. It also strengthens ethical business behavior and local economic growth. However, implementation challenges remain, particularly in terms of financial literacy and institutional outreach. The study recommends broader digital-based Islamic financial inclusion to reach underserved communities. These results are relevant for stakeholders interested in sustainable economic empowerment through sharia finance.

This study aims to comprehensively explore the dynamics of human resource management (HRM) to develop family businesses in Bantur sub-district, Malang Regency, East Java. Identify the challenges and strategies used in managing human resources in the family business partnership model. This research method uses a qualitative approach by understanding the phenomenon in depth related to the object of research. The results of this study indicate that there is a Human resource management (HRM) in family businesses in the Hong Kong caterpillar cultivation sector in Bantur sub-district, Malang district based on trust in employees, with attention to ethics-based conflict management.This research provides a new contribution regarding in-depth exploration of the dynamics of HRM in micro, small, and medium scale enterprises (MSMEs) in the livestock sector, which has not been widely researched, especially in the context of Human Resource Management (HRM). The practice of HRM using a qualitative approach in a family business with a partnership model produces a deep and complex understanding of its relationship with family values, business structure, and resource management on an MSME scale.  

Micro, Small, and Medium Enterprises (MSMEs) have a strategic contribution to economic equality and job creation, especially in rural areas. However, limitations in mastering digital technology, especially in marketing, are still a major challenge for MSMEs in Pepelegi Village, Sidoarjo. This community service activity aims to increase the digitalization capacity of MSMEs through training and mentoring in utilizing Google Maps as a promotional media. The method used in this study is Participatory Action Research (PAR), which includes observation, interviews, training, and evaluation. The location of the activity focused on the MSME Warkop Pojok SR in Pepelegi Village, involving the active participation of local business actors. The results of the activity showed an increase in participants' knowledge and skills in creating and managing business profiles on Google Maps. This has a positive impact on business visibility and the potential for increasing income. Digitalization through Google Maps not only makes it easier for consumers to find business locations, but also provides information regarding operating hours, customer reviews, and business contacts. Thus, this activity is expected to be a model for empowering MSMEs based on digital technology that can be replicated in other areas. The sustainability of the program can be strengthened through cross-sector collaboration to support the acceleration of MSME digital transformation.

This study aims to explore the implementation of the Balanced Scorecard (BSC) through the digital system "MyCore" in measuring and improving employee performance at Bank BRI Unit Sokaraja Tengah. Using a descriptive qualitative approach, data were collected through semi-structured interviews with key informants, observations of work practices, and analysis of internal documents (performance reports, SOPs). Data analysis was carried out through data reduction, data presentation, and drawing conclusions with verification through source triangulation. The research findings indicate that the "MyCore" system integrates four BSC perspectives (finance, customer, internal business process, learning & growth) with specific performance indicators that affect incentives and career development. The financial and customer perspectives appear to have a strong emphasis, reflected in the direct impact on incentives and bonuses. The implementation of internal business processes is supported by standardization through MyCore and technology adoption. The importance of the learning and growth perspective is realized through regular training programs and bootcamp interventions for low-performing employees, which have proven effective in improving subsequent evaluation scores. In general, the implementation of the BSC via MyCore creates a structured, transparent, and adaptive assessment mechanism, encouraging productivity and professionalism. The implications of this study emphasize the importance of a transparent performance evaluation system that has a direct impact on career development and incentives, while also demonstrating the effectiveness of structured interventions in improving employee performance at the micro banking unit level.

This community service aims to empower Micro, Small, and Medium Enterprises (MSMEs) in Magelang in adapting sales models from offline to online through the use of digital content. This activity is motivated by the challenges of MSMEs in expanding market reach and increasing competitiveness in the digital era. The implementation method includes socialization, training in creating attractive and effective digital content, assistance in building an online presence through various platforms, and evaluating the impact of implementing digital content strategies on increasing sales and visibility of MSMEs. The results show a significant increase in the understanding and skills of MSMEs in utilizing digital content for marketing and selling their products. In addition, there was an increase in market reach and potential sales growth for the MSMEs involved. This community service activity concluded that intensive assistance in creating and managing digital content has a crucial role in transforming the MSME sales model from offline to online, thereby increasing competitiveness and business sustainability in the digital era.

This study uses a qualitative method by analyzing 15 relevant journals to examine the optimization of productive waqf in the development of Islamic microeconomics. Productive waqf has great potential as an instrument for empowering the people's economy, especially in supporting the sharia-based micro and small business sector. This study found that the use of waqf productively can create economic sustainability through the management of waqf assets for productive activities such as agriculture, trade, and microfinance services. Through good governance strategies, transparency, and adequate regulatory support, productive waqf has been proven to increase community income, create jobs, and reduce economic inequality. In addition, collaboration between professional nadzir and Islamic financial institutions is the key to success in implementing productive waqf. The main obstacles faced include low waqf literacy in the community and limited innovation in managing waqf assets. Therefore, synergy is needed between the government, Islamic financial institutions, and the community to encourage the maximum use of productive waqf in supporting an inclusive and sustainable Islamic microeconomics.

This community service program aims to improve digital literacy and tax compliance among micro and small business operators in the WTC (Way Tebing Ceppa) tourism area, South Lampung. The primary issues addressed include the lack of digital financial recording practices and low awareness of tax obligations. Through a participatory approach involving training and mentoring, participants were introduced to digital business tools and basic tax administration. Results show a significant improvement in digital and fiscal knowledge, with increased use of financial recording applications and successful registration of Tax Identification Numbers (NPWP). This initiative supports the development of a transparent, compliant, and technology-adaptive tourism economy.