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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.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy as labor absorbers and drivers of the local economy. However, this sector often faces various challenges such as limited access to financing, infrastructure, and policy support. This study aims to analyze the role of fiscal policy in encouraging the growth of MSMEs in Indonesia. The methods used are literature studies and secondary data analysis from various official sources, including government reports and national statistical data. The results of the study indicate that fiscal policy instruments such as tax incentives, subsidies, and state spending for MSME empowerment programs have a positive impact on increasing MSME productivity and competitiveness. However, the effectiveness of these policies is highly dependent on targeted implementation and synergy between related institutions. Therefore, a more inclusive, transparent, and adaptive fiscal policy formulation is needed to encourage sustainable economic growth

Micro, Small and Medium Enterprises (MSMEs) play a significant role in the economy, but often face obstacles in accessing financing. Credit performance guarantee is one of the mechanisms to mitigate risks for financial institutions. Along with the development of financial technology, innovative credit scoring emerged as an alternative method of assessing the creditworthiness of MSMEs. This research aims to analyze the legal effectiveness of the application of MSME credit performance guarantees based on innovative credit scoring. This research uses a normative juridical method with qualitative juridical analysis to try to examine and analyze the problems studied. The application of innovative credit scoring in MSME credit performance guarantees has the potential to increase the legal effectiveness of guarantees through a more comprehensive and accurate risk assessment. However, its implementation requires regulatory clarity regarding scoring standards, personal data protection, and dispute resolution mechanisms. An adaptive and responsive legal framework to technological innovation is crucial to optimize the role of innovative credit scoring in strengthening the effectiveness of MSME credit performance guarantees and promoting financial inclusion.      

The Regional Office of DJP East Java I and the Surabaya Tax Center Forum are working together to run the Business Development Services (BDS) program. The goal is to get micro, small, and medium enterprises (MSMEs) to pay their taxes more accurately and help them do better in business. The program involved 21 MSMEs selected based on their possession of a Taxpayer Identification Number (NPWP) and Business Identification Number (NIB). The implementation methods included tax education, digital marketing training, and business financing solutions using a participatory approach, lectures, discussions, and interactive simulations. Evaluation was conducted through questionnaires to assess participants’ understanding of the materials presented and the program’s impact on their business capabilities. The results showed a 35% increase in participants’ understanding scores, with the majority of respondents indicating that the program was relevant and beneficial. This program also successfully increased tax awareness, digital marketing skills, and understanding of inclusive financing access. These results show that other areas can use the same collaborative and locally tailored method to help small and medium-sized businesses change their economies.

Tegalwaru Village in Ciampea District, Bogor Regency, possesses substantial potential for sustainable Micro, Small, and Medium Enterprise (MSME) development, yet faces challenges in marketing and digital adoption. This study aims to analyze the progress of MSMEs in Tegalwaru, focusing on production, marketing strategies, and ecotourism integration to enhance economic growth. Using a qualitative descriptive approach, data was collected through in-depth interviews with MSME actors, field observations, and document analysis. Findings indicate that while MSMEs have advanced in product diversification and production capacity, their growth is hindered by limited digital marketing skills and inadequate access to capital. Conversely, the village’s rich natural and cultural resources present significant opportunities for ecotourism, which could synergize with MSMEs to boost local income sustainably. The study highlights the need for targeted interventions, including digital literacy training, improved financing access, and collaborative efforts among MSMEs, local government, and tourism stakeholders. By strengthening these aspects, Tegalwaru can achieve holistic MSME development, fostering economic resilience and community welfare. The research underscores the importance of integrating MSMEs with ecotourism as a strategy for inclusive and sustainable rural development.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy, contributing 61.07% to Gross Domestic Product (GDP) and absorbing 97% of the workforce. However, this sector still faces various challenges, both from internal factors such as limited capital, human resources, and access to technology, as well as external factors such as a less conducive business climate, inadequate infrastructure, and technological development. This study uses a qualitative method with a literature study approach to analyze the problems faced by MSMEs and find strategic solutions. The results of the study show that government support, optimization of access to financing, and utilization of digital technology are needed to increase the competitiveness of MSMEs so that they can continue to grow and make a greater contribution to national economic growth.

Human resource (HR) development is a crucial element in enhancing productivity and sustainability of micro, small, and medium enterprises. This study aims to identify the strategies and human resource management practices implemented in the MSMEs of the communities in RW017, RW018, and RW008 of Benda Baru Housing, Pamulang, South Tangerang, Banten. The method used is a qualitative approach with data collection techniques through interviews, observations, and document studies. The results show that skill-based training, business mentoring, and the introduction of digital technology are key strategies to improve HR competencies. Additionally, cooperation between the community, local government, and the private sector has a positive impact on access to financing and marketing networks. However, challenges such as limited resources, lack of managerial knowledge, and low digital literacy remain obstacles. This study recommends the strengthening of continuous training programs, integration of technology, and synergy among stakeholders to support holistic HR development. In this way, the community’s of micro, small, and medium enterprises can grow more optimally and contribute to the local economy.

The MSME actors in Sei Rampah Village lack adequate understanding of financial management principles. Moreover, they face challenges in accessing business financing sources. This prompted the service team to conduct a community service activity in the village. The activity was organized in the form of a socialization program aimed at improving business owners' understanding of managing business finances and strategies for accessing financing sources. The program was attended by 20 participants. The methods employed in this activity were lectures and interactive discussions. The stages of the community service included the preparation phase and the implementation phase. This activity had a positive impact on the MSME actors in the village. Their knowledge of financial management and access to financing sources increased. The MSME actors stated that they now understand how to manage business finances and strategies to access financing sources. This indicates that the community service activity carried out has made a positive contribution to business owners in Sei Rampah Village..

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.

This community service program aims to empower Micro, Small, and Medium Enterprises (MSMEs) through business development based on the sharia economy. MSMEs have a strategic role in the economy, but still face various challenges, especially in the application of sharia economic principles that can increase competitiveness and the desire to do business. This program is designed to improve Islamic financial literacy, introduce business contracts in accordance with sharia, and provide halal digital marketing training. The method of implementing the activity includes a participatory approach with various stages, ranging from problem identification, training, mentoring, to success evaluation. The target of the program is MSME actors in certain regions who have great potential to adopt the concept of sharia economics in their businesses. The results of this activity showed an increase in participants' understanding of the concept of sharia economics, followed by changes in business practices that are more in line with Islamic principles. Some participants began to implement sharia contracts in their transactions, access sharia financing, and take advantage of halal branding-based digital marketing. This program also found several obstacles, such as low initial understanding of the sharia economy, limited access to Islamic financial institutions, and resistance to changes in the business system. However, through intensive strategy education and support from various parties, most of these challenges can be overcome. The conclusion of this activity is that business development based on the sharia economy can be a solution for MSMEs in increasing their competitiveness in the wider market. The next program recommendations include strengthening digital-based education, increasing access to sharia capital, and establishing a sharia-based MSME community as a forum for collaboration and sustainable business development.

Study This aiming For analyze influence access financing , system recording finance , and cash management towards sustainability of Micro , Small and Medium Enterprises (MSMEs) stalls meatballs in Regency Bojonegoro . Research sample consists of of 30 UMKM stall players selected meatballs​ by purposive sampling. Data were analyzed using validity , reliability and t-test tests . Research result show that system recording finance own influence significant to sustainability of UMKM stalls meatballs in Bojonegoro . Increasingly Good system recording applied finance , the more tall possibility business For persist . On the contrary , access financing No show influence significant to sustainability business . Findings This indicates that UMKM in Bojonegoro need more notice repair system recording finance they . This is can done through training , mentoring , or use technology information . In addition , research this also highlights importance internal factors such as quality products , marketing strategies , and capabilities management in determine sustainability business .

This research examines the perceptions of MSME actors regarding the implementation of MSME tax policies in Indonesia, The aim of the research is to explore in depth the perceptions of MSME actors towards tax policy and identify the factors that influence it. The research method used is qualitative phenomenology, with data collection through in-depth interviews with MSME actors. The research results show a diversity of perceptions, ranging from positive views which see policies as supporting business formalization and opening access to financing facilities, to negative views which see them as an additional burden, especially for businesses with thin margins. Factors that influence perceptions include the level of tax knowledge, business experience, characteristics of the business sector, access to information, and the ability to utilize technology. The research conclusions emphasize the need for a more nuanced and adaptive approach in the formulation and implementation of MSME tax policy. The government needs to consider the diverse characteristics and needs of the MSME sector, increase tax education and outreach, and improve the accessibility of tax information and services. Continuous dialogue between policy makers and MSME actors is needed to develop an effective tax system in increasing state revenues and supporting the growth of the MSME sector.

Business legality is something that MSMEs must have. Business legality is a business identity and a form of protection provided by the government for perpetrators MSMEs. Another benefit of legal business ownership is to expand access to MSME financing provided by the government and access to financing from banks. Problems that occur is that many MSME players do not understand how important it is to have business legality the. Apart from that, there is an opinion that managing complicated business legalities is one of them the reason why MSMEs are reluctant to take care of their legality. This service activity has the aim of:educate regarding the urgency of business legality for MSMEs. This activity was carried out in Sengon Village, Bendungan subdistrict. The results of this activity can be seen from the enthusiasm of the participants in participating technical guidance activities on the legality of MSMEs and increasing their knowledge.

Business legality is something that MSMEs must have. Business legality is a business identity and a form of protection provided by the government for perpetrators MSMEs. Another benefit of legal business ownership is to expand access to MSME financing provided by the government and access to financing from banks. Problems that occur is that many MSME players do not understand how important it is to have business legality the. Apart from that, there is an opinion that managing complicated business legalities is one of them the reason why MSMEs are reluctant to take care of their legality. This service activity has the aim of:educate regarding the urgency of business legality for MSMEs. This activity was carried out in Sengon Village, Bendungan subdistrict. The results of this activity can be seen from the enthusiasm of the participants in participating technical guidance activities on the legality of MSMEs and increasing their knowledge.

In recent years, demand for these products has increased along with awareness of the beauty and durability of bengkirai wood. Although SMEs contribute significantly to the Indonesian economy, they face challenges, including access to financing and production efficiency. This study aims to understand how Rumah Parquet accounts for costs related to maintaining environmental quality in its production process. The methodology used included interviews and regression data analysis to calculate Cost of Goods Manufactured (COGS), Operating Expenses (BOP), and profit and loss statements. The results show that Rumah Parquet has not fully integrated environmental quality costs in the COGS calculation, which has an impact on profitability and business sustainability. The findings provide insights for industry players on the importance of better cost management to improve product competitiveness. This research also contributes to the literature by highlighting environmental aspects in cost calculation in the SME sector.  

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

Micro, small and medium enterprises (MSMEs) are facing huge challenges in adapting and surviving after the Covid-19 pandemic. The role of government is key in providing support and appropriate policies to help MSMEs. This study examines the role of the Yogyakarta government in facilitating the post-pandemic adjustment of MSMEs and analyzes various factors that affect MSME survival. These factors include the decline in MSME income and how the government's role can help increase it, limited resources and access to financing, innovation in business, and community and government support. Through literature studies and interviews with MSME actors, this research concludes that with the right support, MSMEs can overcome post-pandemic challenges and grow sustainably.

This research aims to analyze the role of sharia economics in the management of social media-based Micro, Small and Medium Enterprises (UMKM). The development of information technology, especially social media, has opened up new opportunities for MSMEs to access wider markets. However, amidst the dynamics of the digital market, the application of sharia economic principles in managing social media-based MSMEs is very important to maintain business sustainability and ensure fair and transparent transactions.. By implementing business models such as mudharabah and musyarakah, social media-based UMKM can optimize financing potential without dependence on interest, as well as strengthen relationships with customers through ethical transactions. The research results show that the application of sharia economics in managing social media-based MSMEs not only improves business performance, but also has a positive impact on brand strengthening, customer loyalty and social empowerment. However, the main challenge in implementing sharia economics in social media-based MSMEs lies in the limited education and understanding among business actors.      

Mudharabah financing is a form of cooperation between shahibul mal (capital owner) who provides all the capital to mudharib (the manager). The profit sharing used in mudharabah financing, in this case there are two parties who make a business agreement, then the results of the business carried out by both parties or one of the parties, will be divided according to the portion of each party to the agreement. The purpose of this study is to determine the implementation of the profit-sharing system of mudharabah financing used to develop businesses in today's modern era. The research method used is literature review through literature study to collect data and research information by collecting materials from journals and scientific articles on mudharabah financing with profit sharing system. From the results of this study, the number of business actors in today's modern era, with the high need for small business capital, especially street vendors who at the same time find it difficult to fulfill the procedures for obtaining funding in the banking sector, this is a great opportunity for Sharia Financial Institutions (LKS) such as Baitul Mal wa Tamwil (BMT) to provide a forum for street vendors (mudharib) by issuing Mudharabah financing with the aim of improving the performance and income of a Micro, Small and Medium Enterprises (UMKM). So that mudharabah can play a role in sharia-based economic development and the growth of modern industrial society.