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This study aims to analyze the impact of digital technology adoption on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, by considering the mediating roles of innovation capability, financial access, and business trust. MSMEs play a strategic role in the national economy, yet they continue to face various challenges in enhancing competitiveness and business performance. Digital technology adoption has emerged as a key strategy to drive operational transformation, expand market reach, and improve efficiency. This research adopts a quantitative approach using the Structural Equation Modeling (SEM) method to examine the relationships among variables. The findings indicate that digital technology adoption significantly affects MSME performance, both directly and through the enhancement of innovation capability and financial access. Furthermore, business trust also plays an important role as a psychological factor that reinforces commitment and business sustainability. These findings highlight the importance of policy support, digital infrastructure, financial literacy, and innovation capacity in strengthening the competitiveness of MSMEs in the digital economy era. This study provides both theoretical and practical contributions to the development of a digital-based MSME empowerment model in Indonesia.

Gen-Z has grown alongside rapid technological and digital media development, fostering frequent virtual interactions over face-to-face ones. This shift often triggers Fear of Missing Out (FOMO), where individuals feel anxious about missing trends or updates. Among Gen-Z, FOMO is strongly influenced by social media, driving consumptive behavior. This article explores how FOMO creates opportunities for Indonesian Micro, Small, and Medium Enterprises (MSMEs) through jasa titip (personal shopping services). Using the Dubai Chocolate trend as a case study, it highlights how social media-driven demand has spurred interest in personal shopping services to source and deliver such products. The research emphasizes the importance of social media as a tool for MSMEs to tap into FOMO-driven markets. It also encourages MSMEs to innovate by offering affordable, locally sourced alternatives to remain competitive. This approach enables MSMEs to thrive in a dynamic, trend-focused digital landscape.  

This study aims to analyze the effectiveness of the use of the Quick Response Code Indonesian Standard (QRIS) to improve the efficiency of Micro, Small and Medium Enterprises (MSMEs) transactions to make them safer and easier to access in the Sultan Ageng Tirtayasa University, Sindangsari environment. QRIS is one of the payment instruments introduced by Bank Indonesia. This study uses a qualitative method on MSMEs that actively use QRIS in the payment method available at the Sultan Ageng Tirtayasa University canteen, Sindangsari. This data was collected through observation and interviews with 7 MSME owners and 10 buyers, to find out the reasons for choosing non-cash over cash, to find out the increase in the number of transactions after using QRIS, the advantages of using QRIS and its obstacles as well as the positive and negative impacts on the effectiveness and operations of MSMEs. Thus, QRIS has proven effective as a digital payment instrument that supports the growth of MSMEs at Sultan Ageng Tirtayasa University, Sindangsari.

QRIS (Quick Response Code Indonesian Standard) is a national digital payment innovation launched by Bank Indonesia to strengthen Indonesia’s digital and economic sovereignty. By integrating various payment platforms into a single QR code standard, QRIS simplifies domestic transactions—especially for Micro, Small, and Medium Enterprises (MSMEs)—while reinforcing state control over financial infrastructure and data flows. This policy reduces reliance on international payment networks such as Visa and Mastercard, which previously dominated digital transactions and stored data abroad. On a global scale, QRIS functions as a tool of digital economic diplomacy through cross-border payment initiatives like ASEAN Pay, enabling Indonesia to expand its influence in the global digital payment ecosystem. However, the United States has criticized QRIS, arguing that it restricts access for foreign companies and poses a barrier to trade. In response, the Indonesian government asserts that QRIS is designed to protect national interests while promoting fair international collaboration. This study employs a normative juridical and descriptive qualitative approach to analyze QRIS-related regulations, its impact on digital sovereignty, and its implications for international trade relations. Secondary data is sourced from literature studies and official documents. The findings reveal that QRIS plays a vital role in accelerating MSME digital transformation, enhancing financial inclusion, and strengthening Indonesia’s bargaining position in global digital finance. Ultimately, QRIS stands not only as a transaction tool but also as a strategic symbol of Indonesia’s digital independence and competitiveness in the international financial landscape.

This study diagnoses obstacles to transitioning to a circular economy in Iraq and analyzes opportunities for sustainable economic development. It employs a comprehensive descriptive analysis of economic, social, and environmental data related to the circular economy in Iraq. The findings reveal a decline in per capita economic growth in Iraq, dropping from 10.8% in 2016 to 4.3% in 2022, with some years experiencing negative growth. This decline stems from the economy's heavy reliance on the oil sector, which accounts for 61.1% of GDP, and insufficient infrastructure for clean production models and resource recycling. The study recommends effective government strategies to diversify away from oil dependence by developing sustainable agriculture, green industries, and eco-tourism. It stresses the need to invest in waste recycling and renewable energy projects and to offer tax incentives for small and medium-sized enterprises (SMEs). Additionally, it concludes that collaboration with developed countries and international organizations could accelerate Iraq's transition to a circular economy, enhancing economic sustainability and improving living standards.

The strategy of developing tourism in Gunung Anyar Mangrove Botanical Garden in improving the sustainability of the ecosystem and the economy of SMEs in Surabaya, East Java has been carried out well by the mangrove tourism manager. The manager of the Gunung Anyar Mangrove Botanical Garden continues to make efforts to develop the area sustainably, including by increasing the diversity of the mangrove ecosystem and empowering Micro, Small and Medium Enterprises (MSMEs) who are active in tourism activities. This study examines the strategies implemented in the management of the Gunung Anyar Mangrove Botanical Garden, especially related to the preservation of the mangrove ecosystem and the role of MSMEs in attracting visitors. The purpose of this study was to identify the strategy for developing the tourism ecosystem in the Gunung Anyar Mangrove Botanical Garden in the future and to analyze the role of MSMEs in increasing the number of tourists visiting their business locations. The results of the study showed that the strategy for developing tourism in the Gunung Anyar Mangrove Botanical Garden utilizes the advantages it has to maximize existing opportunities, while overcoming shortcomings and facing emerging challenges in order to support the sustainability of the mangrove ecosystem and increasing the role of MSMEs in attracting tourists.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

MSME players or those who will establish a business sometimes experience difficulties in providing business capital, even though MSMEs are one of the driving forces of the economy in Indonesia, especially for small and medium communities. Cooperatives are one of the solutions for loan providers, especially for MSME players or those who will enter the world of MSMEs, because the system is flexible and uncomplicated. This research aims to see the efforts of Kemuning Mitra Persada Cooperative in developing MSMEs in Pematangsiantar. This research uses a qualitative analysis approach, where data collection techniques are carried out by interviewing the Kemuning Mitra Persada Cooperative.

The increasing international awareness of environmental issues has had a significant impact on business orientation in various sectors, including micro, small, and medium enterprises (MSMEs). In the fashion industry, MSMEs are not only required to create innovations in product design and quality, but are also directed to adopt environmentally friendly practices that support sustainability throughout their business processes, from production to marketing. This study aims to examine in depth how the integration of green business strategies and sustainable marketing contributes to increasing the competitive advantage of fashion MSMEs in Banyumas Regency, Indonesia. This study uses a quantitative approach with a survey method involving 100 fashion MSME respondents selected based on relevant criteria. Data processing was carried out through multiple linear regression analysis accompanied by classical assumption tests with the help of SPSS software, so that the research results have a strong empirical basis. The research findings indicate a positive and significant influence, both partially and simultaneously, between the implementation of green business strategies and sustainable marketing on achieving competitive advantage. The coefficient of determination (R²) value of 0.52 indicates that the two independent variables are able to explain more than half of the variation in competitive advantage possessed by MSMEs. The implications of these results confirm that the success of MSMEs no longer depends solely on product innovation, but also on the ability to integrate sustainability aspects into internal practices and external strategies. This research enriches the literature on sustainable management, particularly in the context of MSMEs in non-urban areas, while also providing practical input for the formulation of business assistance policies that are adaptive to market dynamics and increasingly complex environmental challenges. This research provides theoretical contributions to the literature on sustainable management in the context of MSMEs in non-urban areas, as well as practical implications for the development of business assistance policies that are more adaptive to environmental challenges.

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, playing a role not only in job creation but also in maintaining national economic stability. However, amidst the rapid development of the digital era, MSMEs face significant challenges in adopting technology to expand market reach and increase the competitiveness of local products. This research seeks to identify and develop simple innovations in designing effective digital promotional content, with a case study of the Alisa Khadijah Community of the ICMI South Tambun Branch. The analysis focuses on the actual conditions of MSMEs, the application of simple innovations in business processes and products, and digital promotional strategies that suit the characteristics of modern consumers. Through surveys and observations, it was found that the use of quality visuals, interactive elements, narrative storytelling, and internal collaboration can have a positive impact on increasing consumer visibility and engagement. The results show that most MSMEs that implement this content strategy experience a significant increase in digital interactions and product sales in a relatively short time. Furthermore, collaboration with the Cooperatives & MSMEs Office and educational institutions is a crucial factor in accelerating digital transformation, as it can provide access to technical assistance and training. Based on these findings, this study recommends the formation of innovation teams at the community level, the holding of ongoing workshops, and the development of collaborative platforms to share best practices and develop business networks. With the right approach, MSMEs can not only adapt to the digital era but also have the potential to expand their business scale and increase their competitiveness in the global market, thereby further strengthening their contribution to the Indonesian economy. This study recommends the formation of innovation teams within communities, practical workshops, and the development of collaborative platforms to increase MSME competitiveness in the digital market.

The aim of this research is to explore the impact of financial literacy, financial inclusion, and locus of control on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) active in Central Java. This study follows a quantitative research approach, which involves testing hypotheses and determining the relationships between variables, allowing for generalization of the results from the sample to the broader population. Quantitative research collects data in the form of numbers or statistics, enabling objective statistical analysis. The study employs clear and standard measuring tools to ensure the consistency and reliability of the collected data. The research begins with a specific hypothesis, which is then tested through systematic data collection and analysis. The results of the study indicate that the variables of financial literacy (X1), financial inclusion (X2), and locus of control (X3) all have a positive and significant influence on the financial performance of MSMEs in Central Java. The statistical analysis shows that the calculated T values are greater than the critical values in the t-table, and the significance values are below the threshold of 0.005, confirming the robustness of the findings. The results also suggest that enhancing financial literacy, promoting financial inclusion, and fostering a strong sense of locus of control among MSME owners can significantly improve their financial performance. These findings have important implications for policymakers and business development programs aimed at improving the sustainability and growth of MSMEs. By addressing these factors, MSMEs in Central Java can potentially achieve better financial outcomes and contribute to the overall economic development of the region. Future research could expand the scope to include more diverse regions and industries to validate and build upon these findings.

Micro, Small and Medium Enterprises (MSMEs) are the drivers of the Indonesian economy that have great potential to improve the economy and community welfare. The development of MSMEs, which has so far taken the form of training, technical guidance and entrepreneurship workshops attended by ASIPA members and general MSMEs in the ASIPA Community of South Tangerang City, has had a positive effect on several actors, although not all of them have been able to implement what has been given during the training. This research aims to discuss how the Micro, Small and Medium Enterprises (MSME) Development Policy is implemented in the ASIPA South Tangerang Community, using a qualitative approach with descriptive methods. This research analysis uses the theory put forward by Edward III (1980) with four indicators, namely: (1) Communication, (2) Resources, (3) Disposition, (4) Bureaucratic Structure. The data analyzed is the result of interviews, observations and documentation in the ASIPA South Tangerang Community. The results of research on the Implementation of Micro, Small and Medium Enterprises (MSME) Development Policy in the South Tangerang ASIPA Community from four indicators are that (1) Lack of understanding in promotion to improve the business of MSME actors (2) In providing services, guidance and security for MSME actors in terms of quality, there are still administrators and members who lack competence. Apart from that, in terms of quantity, the number of administrators and members is still minimal to carry out improvement activities in innovation (3) There is still a lack of facilities and training activities as well as proposals for security equipment and others, not all of which can be fulfilled because limited budget resources (4) The administrators and members have carried out their duties in accordance with the SOP that has been regulated, however the performance of the administrators and members has not been optimal because there are still administrators and members who carry out concurrent work in other fields.    

This research discusses the application of musyarakah contracts as a sharia financing solution for Micro, Small and Medium Enterprises (MSMEs) in the midst of digital economic development. MSMEs have a crucial role in sustaining the Indonesian economy, but still experience difficulties in accessing fair and sustainable financing. The musyarakah agreement, with its partnership and profit-sharing principles, is considered to be in line with the character of MSMEs that prioritize cooperation and justice. Through a qualitative approach based on a literature study, this research explores the potential, regulatory challenges, and strategies to strengthen the implementation of digital musyarakah. The results of the analysis show that digitalization offers great opportunities in promoting Islamic financial inclusion, but is still constrained by low digital literacy, limited infrastructure, and weak supervision of sharia principles. Therefore, a strategy is needed that includes improving education, developing Islamic financial technology, and collaboration between regulators, financial service providers, and MSME players. This study concludes that the successful implementation of digital musyarakah requires an integrated approach so that MSMEs are able to access Islamic financing independently, fairly and sustainably.

Micro, Small and Medium Enterprises (MSMEs) in the Social Service of the North Sumatra Province Batubara Regency are business operators engaged in the business sector, which touches the interests of the community around the Regency of Coal. MSMEs have an important position, not only in employment and public welfare, in many ways they are the glue and stabilize the problem of social inequality. MSMEs are currently very developed. However, the current problem that arises is that the Chair of the UMKM in Coal is having difficulty monitoring MSME social funding assistance provided to communities around Coal, the lack of public understanding of the reporting of the social assistance fund accountability and due to these inaccessible location conditions that triggered the social services difficult to monitor. then we need an information system that is able to do data collection, management, monitoring the use of aid funds. In addition, the Social Service can directly monitor the responsibility of MSMEs in managing aid funds.The results of this study are a monitoring information system application that replaces the previously running process, in this application makes it easy for the recipient to know the amount of assistance received and in making reports can be directly accessed online.

The Sewu Sambang Tourism Area is located in Banyuwangi Regency, East Java Province. This area has a unique culture and natural beauty that is very interesting to visit. Therefore, the design of this tourist area was carried out using a sustainable design approach. The design was carried out by considering aspects of ecological, social and economic sustainability. Ecological aspects are taken into account by selecting environmentally friendly building materials, good waste management and the use of renewable energy. Social aspects are taken into account by involving local communities in managing tourist areas and paying attention to local wisdom in design. The economic aspect is considered by building small and medium businesses that support tourist areas, so that they can increase the income of the surrounding community. The design of this tourist area involves sustainable land use, so that it does not damage the surrounding environment. The land used to build tourist attractions such as buildings, parks and parking lots is also adapted to the surrounding environmental conditions, so that it does not disturb the life of local flora and fauna. Apart from that, the use of renewable energy such as solar panels is also carried out to meet electricity needs in tourist areas. The design of this tourist area also pays attention to local wisdom by using building materials and furniture produced by local craftsmen. Apart from that, local wisdom is also demonstrated through art and cultural exhibitions, as well as the use of regional specialties. By designing a sustainable Sewu Sambang tourist area, it is hoped that it can improve the quality of life of the surrounding community, increase community income, and preserve local culture and environment.

Cooperatives play a crucial role as business entities in enhancing the people's economy in Indonesia. Rooted in the principles of kinship and mutual cooperation, cooperatives aim to improve the welfare of their members and society at large, rather than merely pursuing profit. This study employs a descriptive analysis method to examine the role of cooperatives as a pillar of the people's economy, focusing on their contributions to microeconomic empowerment, job creation, and strengthening community purchasing power. The findings indicate that cooperatives significantly contribute to local economic growth, particularly through synergy with MSMEs (Micro, Small, and Medium Enterprises), as well as by providing members with access to capital and training. However, challenges such as weak management, low financial literacy, and inadequate technological adaptation still hinder the optimization of cooperatives' roles. On the other hand, sharia cooperatives also emphasize social functions based on principles of justice and social responsibility. To enhance the contribution of cooperatives, institutional strengthening, professional management, and regulatory support from the government are required. Thus, cooperatives remain relevant as instruments for inclusive and sustainable economic development in Indonesia. 

This study aims to develop the capacity of Micro, Small, and Medium Enterprises (MSMEs) stakeholders in Badung Regency through training on processing dishes based on local food ingredients. Using a participatory training method which included counseling, demonstrations, hands-on practice, and mentoring. The study focused on improving technical skills as well as knowledge of hygiene standards and product marketing. The results showed an increase in the ability of MSME stakeholder to process local ingredients into innovative and appealing culinary products that meet market needs, while also strengthening sanitation and product quality aspects to make them more attractive to consumers. The participatory approach also encourages MSME stakeholders to actively contribute to the product development and marketing strategies, resulting in increased competitiveness and business sustainability. This study provided important contributions to MSME empowerment and the development of the local economy based on the potential of local natural resources.

The Micro, Small, and Medium Enterprises (MSME) industry, such as Teras Steak, plays a significant role in strengthening the economy. The purpose of this study is to evaluate how price influences demand and to calculate price elasticity as a foundation for business decision-making. The methodology employed includes sales data analysis, customer satisfaction surveys, and interviews. The findings indicate that demand for Teras Steak’s products is highly sensitive, meaning that price changes have a significant impact on the quantity demanded. Therefore, pricing strategies must consider a balance between sales volume and profit. To enhance competitiveness and maintain customer loyalty, it is recommended to diversify products, innovate the menu, adjust prices according to market segments, and implement effective promotions. Understanding this elasticity is crucial to support sustainable business growth.

The progress of digital technology provides possibilities for Micro, Small, and Medium Enterprises (MSMEs) to enhance their competitiveness and revenues, particularly in the Songkok craft industry located in Karanggeneng, Lamongan. Nevertheless, incorporating digital marketing that aligns with sharia principles presents its own set of challenges. This research seeks to identify the most effective strategy for applying sharia-compliant digital marketing to elevate the competitiveness and profits of MSMEs. The research employs a qualitative approach, using a case study methodology. Information was gathered using detailed interviews, active observation, and document analysis focused on MSMEs that have adopted sharia digital strategies. The analytical framework follows the Miles and Huberman approach, encompassing data reduction, data presentation, and conclusion formulation. Findings indicate that sharia-compliant digital marketing initiatives, such as transparent transactions, utilization of halal e-commerce platforms, and ethical communication aligned with Islamic values, play a significant role in enhancing competitiveness and revenue. Furthermore, digital technology enables MSMEs to access a broader market while preserving Islamic economic principles. Consequently, enhancing digital marketing based on sharia guidelines is a viable and sustainable approach for the growth of MSMEs. This study advises MSMEs to commence the integration of sharia digital marketing as a proactive measure for ethical and competitive business advancement.

The Covid19 pandemic had a major impact on the weakening of Indonesia's economic sector, including Small, Micro and Medium Enterprises (MSMEs). The MSME sector is one of the sectors that makes a major contribution to the national economy so it needs to rise during the current Covid19 pandemic. Jambewangi Village is a village located in Sempu District, Banyuwangi Regency, East Java Province. The area of Jambewangi Village is 1,422 Ha / m2 divided into six hamlets including Krajan Hamlet, Panjen Hamlet, Parastembok Hamlet, Sumberjo Hamlet, Tlogosari Hamlet, and Sidomulyo Hamlet. In Jambewangi Village, it has an interesting landscape, such as a homogeneous forest in the form of pines, the confluence of tributaries with branches, a large expanse of rice fields, as well as fields and plantations. The area of Jambewangi Village is at an altitude of 340-800 masl so it has cool air and is good for growing various kinds of fruits and vegetables.