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80,083 articles from 756 journals · 2,111 citations tracked

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Analytics

Nada Salsabila Khansa; Ocha Dwi Palusi; Riani Efna Sari; Veliana Dian Maryasari; Ito Setiawan

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The rapid growth of the culinary industry in Purwokerto has led to the emergence of numerous coffee shops with unique and competitive concepts. La Puerto Coffee & Eatery stands out as one of the leading businesses by implementing a green building concept and modern industrial design. This study aims to analyze the business processes of La Puerto using the SWOT and Value Chain methods to identify its strategic position and sustainable development opportunities. The research adopts a descriptive qualitative approach through direct observation, interviews with management and customers, and literature review. The results show that La Puerto’s main strengths lie in its eco-friendly concept, strategic location, and high-quality service, while its weaknesses include limited digitalization and underdeveloped marketing strategies. The Value Chain analysis reveals that most primary activities are effective; however, digital integration needs improvement to enhance efficiency and value creation. Overall, the combination of SWOT and Value Chain analyses provides a comprehensive understanding of business potential, suggesting that digital transformation, service innovation, and community-based marketing are key strategies for sustaining La Puerto Coffee & Eatery’s competitiveness in the dynamic culinary industry.  

Emilianus Eo Kutu Goo; Maria Fransiska Angelina; Maria Meliani; Maria Paulina Novitasari; Oktavia Jaslina Rini +1 more

Jurnal Pengabdian dan Pembangunan Lokal 2026 Lembaga Pengembangan Kinerja Dosen

This study aims to formulate development strategies for a billiard business in Kota Uneng, Sikka Regency, using the SWOT analysis approach. The activity was carried out through field observations, interviews with the business owner, SWOT training sessions, and guided preparation of the strategic matrix. The analysis indicates several strengths, including a strategic location, adequate facilities, and affordable service prices. However, weaknesses were also identified, such as limited capital, insufficient promotional activities, and suboptimal operational management. Opportunities arise from the growing interest in recreational activities and the potential for collaboration with local community groups. Meanwhile, threats include competition from similar businesses and shifts in entertainment preferences. Based on these findings, SO, WO, ST, and WT strategies were formulated to be implemented gradually to enhance competitiveness and ensure business sustainability. These strategies provide a practical guide for improving service quality and strengthening the market position of the billiard enterprise.

Desiderius Siga Meli Poa; Romualdus Paulus Sogen

Jurnal Projemen UNIPA 2026 Universitas Nusa Nipa Maumere

This study aims to analyze local community participation in the development of ecotourism. The method used is descriptive qualitative based on document analysis, with data obtained through the review of village planning documents, tourism development reports, field observations, and informal interviews with local stakeholders. The results show that the community has begun to engage in tourism-related activities such as opening homestays, food stalls, and working as tour guides. However, this involvement is still limited by capacity, skills, and the lack of supporting facilities. Neblo Beach holds great potential to be developed as a nature- and culture-based ecotourism destination, but it currently lacks basic amenities such as toilets, trash bins, souvenir kiosks, and photo spots. Through a SWOT analysis, several strategies were identified to support the development of this area, including the participatory preparation of a master plan for amenity development, community training programs, and collaboration with academics and investors. In conclusion, the success of ecotourism development at Neblo Beach strongly depends on the synergy between the community, village government, and strategic partners in realizing sustainable tourism that provides direct benefits to the local population

Arfianty, Arfianty; Tarawiru, Yasri; Yusuf, Nur Hidaya; Khaima, Husnul

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2026 FEB Universitas Maritim Semarang

This study aims to analyze the operational and marketing strategies of UMKM Bolu Kambu Daeng Rosi in enhancing the competitiveness of traditional food products in Barru Regency, South Sulawesi. The research uses a descriptive qualitative approach with a case study method, through guided observation, semi-structured interviews, and documentation. The findings show that the enterprise's strengths lie in its culturallybased product differentiation and strong customer loyalty. However, the business still faces challenges in managerial aspects, digital promotion, and operational recording. SWOT analysis highlights the importance of strengthening production systems and applying simple marketing strategies to expand market reach. In addition, a daily profit and loss estimation shows a relatively high profit margin, though not yet supported by a documented financial system. The main recommendation is the need for gradual managerial transformation through simple financial record-keeping, basic visual promotion, and technology adaptation aligned with the owner's capacity. This research is expected to contribute to the development of local culinary-based MSMEs rooted in cultural heritage.

Muh.Rigan Yusri; Hairuddin Hairuddin; Hamka Hamka; Imam Fadly; Muh. Arifin +1 more

Jurnal Pariwisata Indonesia 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This research explores strategies for developing the Lewaja Natural Tourism Area in Enrekang Regency, which has considerable potential as a leading destination but has not yet been managed effectively. The study aims to examine the current conditions of the site, highlight its opportunities and constraints, and design strategies for sustainable development. A descriptive qualitative approach was employed, utilizing SWOT (Strengths, Weaknesses, Opportunities, Threats) in conjunction with IFAS and EFAS to establish strategic priorities. The results indicate that Lewaja possesses advantages in terms of natural scenery and accessibility, while weaknesses are found in facility provision and managerial aspects. The proposed strategies derived from the SWOT framework emphasize infrastructure improvement, enhancement of supporting amenities, digital-based promotional efforts, community involvement in destination management, and stronger collaboration between governmental bodies and the private sector. Overall, the study concludes that the future development of Lewaja Peak Natural Tourism should align with the principles of sustainable tourism, aiming to increase its attractiveness, raise service standards, and deliver economic value to the local community.

Ni Nyoman Suwaniti; Ni Kadek Riza Indira Kezhya Nanda; Dewa Ayu Sriadi Mastuti; Ni Nyoman Riris Lindya Andini; Ni Made Ayu Natih Widhiarini +1 more

Gemawisata: Jurnal Ilmiah Pariwisata 2026 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia

This study explores the development of digital and storynomic-based tourism in Kamasan Tourism Village, Klungkung Regency, Bali. Kamasan is historically known as the center of classical Balinese wayang painting and traditional metal crafts such as gold, silver, and brass. Using a qualitative descriptive method through observation, interviews, and document studies, this research identifies the village’s cultural potential and formulates a sustainable tourism development model. The SWOT analysis reveals that Kamasan’s main strengths lie in its rich cultural heritage, community participation, and diverse local crafts, while weaknesses include limited digital promotion, lack of facilities, and low involvement of younger generations. Opportunities arise from the growing trend of cultural and educational tourism and strong government support for digitalization through the Anugerah Desa Wisata Indonesia (ADWI) program. The integration of storynomic tourism and digital media—such as e-brochures, promotional videos, and virtual tours can enhance destination competitiveness, strengthen local identity, and improve community welfare. This research emphasizes that combining cultural storytelling with digital innovation is a strategic approach to creating sustainable and engaging tourism experiences in Kamasan Village.  

Siska Dwi Oktavia; Sirajul Arifin

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2026 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study analyzes the competitive advantage of sharia gold investment at Pegadaian Syariah, Blauran Branch, Surabaya, amidst competition from Bank Syariah Indonesia and sharia fintech. Using a descriptive qualitative approach, primary data was obtained through semi-structured interviews with Branch Managers, marketing staff, and customers, while secondary data came from Pegadaian reports, OJK publications, and the World Gold Council. The analysis employed the SWOT framework and Porter's Five Forces. The results show that Pegadaian Syariah's competitive advantage stems from public trust in its state-owned enterprise (BUMN) status, compliance with sharia principles, certified Galeri24 products, and product flexibility starting from IDR 10,000 supported by the PSDS digital platform. There is a significant opportunity from the 135% year-on-year surge in gold demand, but it faces the threat of intense competition and high buyer bargaining power. Competitive advantage strategies are implemented through digital service differentiation, an inclusive market focus, and cost efficiency. The study recommends intensifying PSDS education, strengthening gold investment literacy, and optimizing pricing to increase competitiveness.

ARPAS, FALENTINO PUTRA ARPAS; DELANO, ARYA; KURNIAWAN, PUNGKI; PRIYONO

Betelgeuse Journal 2025 Naval Academy Publising

As a maritime nation with vast sea territories, Indonesia faces significant challenges in safeguarding its waters, particularly in strategic regions such as the Natuna Sea. This area is vulnerable to various threats, including territorial violations, marine resource theft, and illegal underwater activities. This study aims to formulate a concept for the utilization of Autonomous Underwater Vehicles (AUVs) as an alternative solution to enhance underwater security systems in the region. The method employed is Research and Development (R&D), adopting model development steps and complemented by a Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis to assess the feasibility and effectiveness of AUVs in the context of Indonesian maritime defense. The research findings indicate that the main strength of AUVs lies in their technological capability to effectively detect underwater threats. Although they have weaknesses, such as high operational costs, dependency on imported components, and limitations in battery endurance and sonar capabilities, these factors do not significantly hinder AUV effectiveness. Major opportunities arise from global technological advancements, yet challenges remain due to insufficient government policy support. The threats faced include the risk of sabotage and extreme weather conditions. Therefore, the recommended strategies are to maximize the use of technology, strengthen supporting regulations, and address logistical and financial barriers to realize effective and sustainable AUV operations in the Natuna Sea.

Theresia Yunivita Ertilia; Emilianus Eo Kutu Goo; Veronika Toa; Benediktius Te Basa; Yohanes Kristo Doke +2 more

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the internal and external conditions of Karel Workshop in Wairhubing, Sikka Regency, using a SWOT approach (Strengths, Weaknesses, Opportunities, and Threats) as a basis for formulating business development strategies. The research employed a qualitative descriptive method with data collected through in-depth interviews with the owner, employees, and customers, as well as secondary data from documents and official statistics. The findings indicate that Karel Workshop possesses several strengths, including meticulous service quality, strong interpersonal relationships with customers, and mechanic skills acquired through self-learning. However, the workshop also faces weaknesses such as limited equipment, the absence of a structured management system, and a lack of digital promotion. Opportunities that can be utilized include high public interest in motorcycle modification, potential motorcycle painting services, a strategic location, and possible partnerships with spare-part suppliers. Meanwhile, the main threats include rising spare-part prices, competition among workshops, and occupational safety risks. Overall, the study recommends strengthening digital promotion, improving business management, enhancing workshop facilities, and implementing safety standards to support the sustainable development of Karel Workshop. 

Theresia Yunivita Ertilia; Emilianus Eo Kutu Goo; Veronika Toa; Benediktius Te Basa; Yohanes Kristo Doke +2 more

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

This study aims to analyze the internal and external conditions of Karel Workshop in Wairhubing, Sikka Regency, using a SWOT approach (Strengths, Weaknesses, Opportunities, and Threats) as a basis for formulating business development strategies. The research employed a qualitative descriptive method with data collected through in-depth interviews with the owner, employees, and customers, as well as secondary data from documents and official statistics. The findings indicate that Karel Workshop possesses several strengths, including meticulous service quality, strong interpersonal relationships with customers, and mechanic skills acquired through self-learning. However, the workshop also faces weaknesses such as limited equipment, the absence of a structured management system, and a lack of digital promotion. Opportunities that can be utilized include high public interest in motorcycle modification, potential motorcycle painting services, a strategic location, and possible partnerships with spare-part suppliers. Meanwhile, the main threats include rising spare-part prices, competition among workshops, and occupational safety risks. Overall, the study recommends strengthening digital promotion, improving business management, enhancing workshop facilities, and implementing safety standards to support the sustainable development of Karel Workshop. 

Rahma, Daniar Wulan Aura; Prastiyas, David Indra; Makatita, Tegar Fajar Ramadhan; Cahyarani, Dyah Mita; Nugroho, Gwenda Vania Putri +1 more

Jurnal Bisnis Kreatif dan Inovatif 2025 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

The objective is to analyze the competitiveness of modern retail through the integration of SWOT analysis as a basis for formulating more targeted strategies using qualitative descriptive methods. This paper identifies the strengths, weaknesses, opportunities, and threats that drive the performance of modern retail based on literature and empirical findings from various previous studies. The results of the analysis show that the main strengths of modern retail lie in product completeness, competitive prices, strategic locations, and operational efficiency. Meanwhile, weaknesses arise from suboptimal digitization, minimal online promotion, limited service innovation, and outdated inventory management. Meanwhile, opportunities arise from changes in digital-based shopping behavior, while threats emerge from the dominance of large retailers, e-commerce competition, and economic fluctuations. Based on the SWOT integration, a strategy is formulated that includes strengthening digitalization, optimizing online marketing, improving service quality, and modernizing operational systems to support long-term competitiveness.

AL-RAFI, MOHAMMAD HASWIN; FIRMANSYAH, UNGGUL; Kurniawan, Pungki

Betelgeuse Journal 2025 Naval Academy Publising

The advancement of technology and information, which coincides with digitalization alongside the development of Artificial Intelligence (AI), has colored human social life around the world. Currently, cadets of the Naval Academy often use gadgets/digital tools to access information or other media. With this, there are emerging threats that are very dangerous for individuals and the state. An currently prevalent case is Cyber Crime Identity Theft. Cyber crime identity theft refers to the crime of stealing someone's personal information online for the purpose of fraud or financial gain by stealing personal data such as names, identity numbers, and financial information, to carry out illegal transactions or obtain illegal benefits, which can lead to financial loss and damage the victim's reputation. Indonesia still has a very high number of cases of cyber crime identity theft, but it should be preventable by fostering. the cyber security awareness of cadets at the Naval Academy of the Indonesian National Armed Forces. The conclusion of this research is that by strengthening modern technological infrastructure, both equipment and administrative services, developing modern software and hardware with strong security systems, and tightening regulations regarding access to users' personal data in cyber services, supported by strengthening cyber security institutions, it can enhance the cyber security awareness of cadets at the Naval Academy of the Indonesian National Armed Forces.

Emilianus Eo Kutu Goo; Noventus Sodi; Theresia Yunita; Chatarina Elvinda; Maria Novita Sari +2 more

Jurnal Kemitraan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economic development, particularly in developing products based on local wisdom. Toko Jayabaru is an MSME that markets Maumere's signature souvenirs made from traditional ikat woven fabric, facing various challenges and opportunities amid business and tourism dynamics. This study aims to identify internal and external factors affecting Toko Jayabaru's performance and formulate appropriate business development strategies through SWOT analysis. The research employs a qualitative descriptive approach with data collection through in-depth interviews with the owner and management of Toko Jayabaru. Data analysis uses the SWOT framework (Strengths, Weaknesses, Opportunities, Threats) to identify the business's strategic position and formulate alternative development strategies. Toko Jayabaru's main strengths lie in strong local cultural identity, authentic product quality, and adequate business experience. Weaknesses include limited digital marketing, restricted production capacity, and lack of derivative product variations. Opportunities encompass Flores tourism sector growth, increasing interest in local products, and potential strategic collaborations. Main threats are competition from similar products, influx of imitation products, and dependence on tourism sector fluctuations. Recommended development strategies include strengthening branding through storytelling, diversifying woven derivative products, optimizing digital marketing, strategic collaboration with tourism stakeholders, enhancing human resource capacity, and implementing customer loyalty programs. Implementation of these strategies is expected to increase MSME competitiveness while preserving Maumere's local culture.

Sari Sirait, Syah Paradiba

Jurnal Riset sosial humaniora, dan Pendidikan (Soshumdik) 2025 LPPM Universitas 17 Agustus 1945 Semarang

This study aims to analyze the potential and business development strategies of Warung Misop Kampung Yani Mbotz in Tanjung Morawa District as a representative of traditional culinary MSMEs. The main problems identified are limited capital, simple business management, and the lack of digital promotion. This research employs a qualitative descriptive method with a case study approach, using direct observation, interviews with the business owner, and document analysis. Data were analyzed using the SWOT (Strengths, Weaknesses, Opportunities, Threats) framework to identify internal and external factors, and the Business Model Canvas (BMC) to formulate development strategies. The results reveal that the main strengths of the business lie in authentic taste, affordable prices, and customer loyalty. Weaknesses include limited menu innovation, underutilized digital promotion, and the absence of systematic financial recording. Opportunities arise from the growing public interest in traditional culinary products and government support for MSMEs, while threats come from competition with modern food outlets, fast-food chains, and rising raw material prices. The strategies formulated through the BMC framework include product innovation, service diversification, the optimization of social media marketing, and the strengthening of business networks. The study concludes that applying BMC-based strategies can enhance the competitiveness of Warung Misop Kampung Yani Mbotz while preserving traditional culinary heritage. These findings are expected to serve as a reference for other culinary MSMEs in developing their businesses sustainably.

Himawan Putra , Satrio Fahmi; Noorman, Moh. Shofii; Fahris Nurhuda

Amphibious Journal 2025 Akademi Angkatan Laut

Leadership character development is a fundamental foundation in preparing Indonesian Naval Academy Marine Cadets as prospective Platoon Commanders (Platoon Leaders) in operational units. The complexity of the operational environment, the dynamics of the strategic setting, and the demands of military professionalism require a platoon commander to excel not only in technical and tactical competencies, but also to possess strong, integrity-based, and adaptive leadership character. This article aims to comprehensively analyze leadership character development materials for prospective Marine Platoon Commanders at the Indonesian Naval Academy (AAL) using the Character Cultivation approach and the Military Leadership and Character Development theory proposed by Dr. Charles C. Wong. This study employs a qualitative research method with data collected through expert interviews, document analysis, and SWOT analysis. The findings indicate that the most appropriate strategy for leadership character development is the Strength–Opportunities (SO) strategy, which emphasizes leveraging internal strengths of military education to capitalize on external opportunities, particularly global trends in character-based leadership and the utilization of educational technology. This article, structured equivalently to a minimum of 30 A4 pages, is expected to serve as an academic reference and a policy input for strengthening leadership education for Marine Cadets.

FRANDANA PUTRA , DIECKY ARMANDO; permana, iwan; Fahris Nurhuda

Amphibious Journal 2025 Akademi Angkatan Laut

The development of military communication technology requires effective, secure, and adaptable communication systems suitable for training and operational environments. During the implementation of Karkata Yudha Practical Training, Marine Corps cadets still experience various communication constraints due to the limitations of conventional communication devices that do not support hands-free operation, noise resistance, and communication confidentiality. This study aims to analyze the utilization of Tactical Radio Person Headsets as a communication support tool to enhance the effectiveness and efficiency of Karkata Yudha practical training for Marine Corps cadets. This research employed a qualitative method with a descriptive-analytical approach. Data were collected through direct observation of training activities, in-depth interviews with communication experts from the Marine Corps, and documentation studies. Data analysis was conducted using SWOT analysis to identify strengths, weaknesses, opportunities, and threats related to the implementation of Tactical Radio Person Headsets. The results indicate that the utilization of Tactical Radio Person Headsets significantly improves tactical communication quality, accelerates coordination among units, and supports maneuver execution and decision-making in the field. The challenges identified include limited equipment availability, procurement costs, and the need for technical training for users. Overall, Tactical Radio Person Headsets demonstrate strong potential to be integrated into Marine Corps cadet training systems to enhance operational readiness and professionalism in the future.

Situmorang, Reischania; Teguh Santoso; Dijastuti, Kustianing Sekar

MALFINA : Maritime Logistics and Financial Journal 2025 Akademi Angkatan Laut

Indonesia’s projected demographic bonus around 2045 must be harnessed as an advantage rather than becoming a burden. This potential benefit is highly dependent on the quality of human resources prepared from the present time. One of the key national programs in this regard is embodied in the vision of Indonesia Emas 2045. An interesting phenomenon can be observed in Cibeber District, Cilegon City, where the prevalence of stunting was once relatively high. This issue warrants serious attention as it directly affects children’s physical growth and cognitive development.This study analyzes strategies for ensuring adequate nutritional fulfillment as an effort to improve the quality of the golden generation. By employing SWOT analysis, several strategic alternatives were identified, including SO (strength–opportunity), WO (weakness–opportunity), ST (strength–threat), and WT (weakness–threat) strategies. The most critical recommendation highlights the importance of cross-sectoral collaboration and participatory involvement of all stakeholders.

Nur Fasa, Syahda; Mekahtul Rahman; Wulandari, Sriani

MALFINA : Maritime Logistics and Financial Journal 2025 Akademi Angkatan Laut

The Indonesian Navy Academy is a military educational institution that produces cadets to become professional and reliable Indonesian Navy officers. Cadets are required to have strong physical and mental strength to achieve responsiveness, resilience, and resilience in undergoing education, training, and upbringing. To support learning and training activities, quality food intake and service are required. Quality meal service is needed in order to increase the satisfaction of AAL cadets during meal activities in the Hadiwinarso Rds Loungeroom. For this reason, qualified Human Resources are needed to man the Hadiwinarso Rds Loungeroom, namely Cooks and Waiters in improving meal services for cadets. The researcher focused on personnel development and made it as input to optimize the cooks and waiters in the Hadwinarso Rds Loungeroom to improve meal services for cadets. In this study, the SWOT method was used to reveal internal and external factors that influence the performance of Waiters and Cooks. This study is expected to find the right optimization strategy by identifying strengths, weaknesses, opportunities, and threats. After conducting a SWOT analysis, a strategy was obtained to optimize Waiters and Cooks with a combination strategy of Weakness-Opportunity in quadrant III. W-O strategy (supporting the Turn-Around strategy) namely the organization faces enormous opportunities, but on the other hand faces several internal obstacles/weaknesses with the focus of the strategy being to minimize internal weaknesses so that it can seize better opportunities. The results of the study show that the W-O Strategy that the author found is Strategy 1: Given training/courses according to their fields so that they can work optimally and acquire new skills, Strategy 2: Cooks and Waiters have experience in supporting protocol activities at AAL well. Working well and having experience is capital to open up opportunities for PHL to be appointed as PNS or promoted to division head/kitchen head by considering the working time and amount of experience during AAL, Strategy 3: AAL needs to have standardization in recruiting workers so that later workers are ready to be placed to work according to their fields and open up opportunities to continue improving skills/abilities through courses/training provided by AAL. Meanwhile, to standardize recruitment, researchers provide specific requirements for job applicants interested in becoming cooks and waiters at the Loungeroom at Rd. S Hadi Winarso

Yanti Bartholomeus; Abedneigo.C. Rambulangi; Grace. S.Mengga

Prosiding Seminar Nasional Manajemen dan Ekonomi 2025 Universitas Kristen Indonesia Toraja

This study examines the SWOT analysis in facing the business competition of motorcycle sales at PT. Tunas Honda Rantepao. The purpose of this research is to understand the internal and external conditions of the company and how strategies can be applied to address the existing challenges. The research method used is qualitative, with data collection through interviews and documentation. Data analysis techniques are carried out through data collection, data reduction, and data presentation steps. The results of the study indicate that the rapid advancement of technology poses a challenge for PT. Tunas Honda Rantepao, forcing this motorcycle dealer to continually innovate in its marketing strategy. Based on the analysis of the company's internal and external conditions, a SWOT analysis was conducted to evaluate the strengths, weaknesses, opportunities, and threats faced. From this analysis, various strategic alternatives were identified that can be applied to improve performance and competitiveness of PT. Tunas Honda Rantepao in the motorcycle market, both in terms of utilizing technology, improving service quality, and developing more effective marketing.

Endah Tri Sulistyorini

Jurnal Paradigma Grobogan 2025 Badan Perencanaan Pembangunan Riset dan Inovasi Daerah

This study aims to analyze the financing access barriers faced by Micro, Small, and Medium Enterprises (MSMEs) in Grobogan Regency and their impact on business sustainability. The main challenges examined include limited understanding of loan procedures, low financial literacy, collateral requirements, and lack of trust in formal financial institutions. The research employed a case study design with a descriptive qualitative approach, complemented by quantitative data collected through Likert-scale questionnaires. Data were obtained from surveys, interviews, FGDs, field observations, and secondary sources from government agencies and financial institutions. The results reveal that most MSMEs still rely on personal savings, with 53% of respondents not understanding loan procedures and 68% never attending financial training. Pearson correlation tests indicate no significant relationship between financial literacy and access to finance. SWOT analysis highlights the need for community-based financing models, enhanced literacy programs, and simplified banking procedures. In conclusion, improving financial literacy alone is insufficient; policy synergy, extensive outreach, and institutional support are essential to ensure inclusive and sustainable financing for MSMEs.