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MSMEs (Micro, Small, and Medium Enterprises) play a significant role in supporting economic development and improving community welfare, especially in rural areas like Saringembat Village, Tuban Regency. This community service aims to empower local MSMEs through skill training, enhancing market access, and utilizing simple technologies to help them grow their businesses. The activities involve direct assistance to MSME actors in the fields of crafts, culinary arts, and local agriculture. The outcomes of these activities demonstrate increased income, business growth, and active community participation in strengthening the local economy. Digitalization, including marketing and business management processes, has also been initiated to help MSMEs become more competitive in the current era. Improving community welfare through this development is expected to contribute directly to sustainable development in Saringembat Village.

Micro, Small and Medium Enterprises (MSMEs) have a very important role in the Indonesian economy. Among its important roles is being able to absorb labor and encourage economic growth. The development of social media in Indonesia has shown very rapid growth in recent years. Due to the important role of MSMEs and the rapid development of social media, MSME players feel the need to utilize social media for digital marketing activities. Activities are carried out by providing understanding and training on the use of social media. From the activities that have been carried out, it shows that there is an understanding of social media and its use in the hope of attracting potential buyers which will have an impact on increasing the sales turnover of MSMEs.

This study aims to analyze the influence of financial literacy, financial technology (fintech), and financial inclusion on the performance of micro, small, and medium enterprises (MSMEs) in Bandar Lampung City. Financial literacy is an important factor that allows MSMEs to understand financial products and services effectively. Meanwhile, fintech provides easy access to various financial services, which are expected to improve MSME operations. Financial inclusion, which involves accessibility of financial services for all levels of society, plays an important role in supporting the development of MSMEs.This type of research uses quantitative research with an ex-post-facto approach . The population of this study is MSME actors in Bandar Lampung City with a sample size of 106 MSME actors. The location of the study is in Bandar Lampung City. Data collection was carried out by distributing questionnaires. The validity of the instrument using the Person Product Moment correlation resulted in 53 items being declared valid. The reliability test of the instrument used Alpha Croncah ( α > 0.60), the results showed that all variables were declared reliable. The prerequisites for the analysis were tested through normality, multicollinearity and heteroscedasticity tests. Data analysis using multiple linear regression was used to test the effect of independent variables simultaneously on the dependent variable.         The results of the study show that: (1) there is a positive and significant influence of financial literacy on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in financial literacy can increase MSME performance by 0.528 units . (2) There is a positive and significant influence of the FinTech variable on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in the adoption of financial technology has the potential to increase MSME performance by 0.518 units. (3) There is a positive and significant influence on the financial inclusion variable on the performance of MSMEs in Bandar Lampung City which is smaller, namely an increase of 0.204 units . (4) There is a simultaneous and positive influence of financial literacy, fintech, and financial inclusion on the performance of MSMEs in Bandar Lampung City at a confidence level of 99%.

Micro, Small and Medium Enterprises (MSMEs) have an important role in the economy of Medan City, making a major contribution to job creation and increasing people’s income. This research aims to examine the role of MSMEs in economic development at the local level, the challenges they face, and the opportunities available, with a focus on how MSMEs in Medan adapt to the rapid digital technology advancements. Based on the theories of economic growth, sustainable development, and financial access, the findings indicate that MSMEs in Medan not only contribute to the Regional Gross Domestic Product (PDRB) and employment absorption but also strengthen the stability of the city's economy. While MSMEs have significant opportunities, they face challenges such as rising prices and the need to adopt digital technology for marketing their products. To support the growth of MSMEs, several policy recommendations include improving access to finance, developing infrastructure, enhancing skills training, and facilitating market access through digital platforms. Overall, MSMEs in Medan are a key pillar of the local economy, with growth potential that continues to expand as they adapt to technology and receive appropriate government support.

This study examines the strategic role of Sharia Financial Institutions (LKS) in supporting economic growth and community empowerment in Medan City. Using a qualitative approach, this study highlights the contribution of LKS in empowering micro, small, and medium enterprises (MSMEs), increasing Islamic financial literacy, and financial inclusion. Results show that LKS have an important role in strengthening the community's economy despite facing challenges such as lack of literacy, limited digital services, and minimal government support. Development strategies include improving accessibility, socialization, product innovation, and government policy support. The findings confirm the importance of strengthening the role of LKS to encourage sustainable sharia-based economic growth in Medan City.

The research aims to test the mediating role to enable workers to test the relationship between strategic leadership practices and strategic alignment in medium and small-sized companies in the Iraqi city of Kirkuk, and to achieve that goal and to solve the research problem and take advantage of its importance, a field visit was conducted for the companies of the study sample to see the reality of their work regarding the research variables, and then a questionnaire form was designed according to the five-point Likert scale and distributed to a sample of (369) workers representing the companies of the study sample to collect data and information, and analyze those Statistical program usage data (SPSS, AMOS) V26 In light of these results, the research revealed that there is a statistically significant impact relationship for strategic leadership in strategic alignment through the mediation of empowering workers in medium and small-sized companies in Kirkuk, and accordingly a set of recommendations were made, the most important of which was the need to work to improve organizational performance and enhance competitiveness of companies through the application of best strategic leadership practices, empowering employees and achieving strategic alignment in the surveyed companies.

PT Jadi Kaya Raya Bersama, founded in 2024 in Banyumas, Indonesia, focuses on providing reliable financial recording solutions for Micro, Small, and Medium Enterprises (MSMEs) through fintech-based applications. The platform is designed to support transaction recording, financial monitoring, and reporting processes to improve MSME financial management. Despite its significant potential, several technical issues have hindered the application’s performance and service quality. Key problems identified include disruptions in the WhatsApp Bot API, user authentication errors, and the lack of integration with banking systems and digital wallet services. These challenges affect transaction recording accuracy, operational efficiency, and the security of user financial data. To identify the root causes of these issues and propose appropriate solutions, a system audit was conducted using the COBIT framework as a governance and management evaluation tool. The audit process involved assessing system performance, control mechanisms, and IT service management practices. The results indicate that API disruptions were primarily caused by network instability and configuration errors, which led to interruptions in automated transaction recording services. Meanwhile, authentication problems were associated with weak login mechanisms and insufficient identity verification processes. In addition, the application’s inability to integrate with banking and e-money services created limitations in transaction synchronization and reduced overall user convenience. Based on these findings, several strategic recommendations are proposed. These include optimizing API performance, strengthening authentication systems through the implementation of Two-Factor Authentication (2FA), and developing integration capabilities with banking institutions and digital wallet platforms. The implementation of these improvements is expected to enhance system efficiency, data security, and service quality. Ultimately, strengthening the fintech application’s performance will support MSMEs financial management and contribute to sustainable digital economic growth in Indonesia.

The main objective of this study is to present a comprehensive perspective on the interrelationship and impact of financial literacy, financial digitalization, and Small and Medium Enterprises (SMEs) on the growth and adaptability of SMEs in today's dynamic business landscape. This research uses a systematic literature observation method to collect, analyze and synthesize relevant findings from various published literature sources, especially selections in the Scopus database. The primary focus of this study is to examine the correlation between financial literacy and financial digitalization, and how they impact SMEs' financial management capabilities and utilization of available financial technology. The findings show that financial literacy and financial digitalization are important areas of study that have received increasing attention in recent years. This research highlights the challenges in accessing finance and reducing collateral demands, indicating the struggles that SMEs are currently facing.

Business ethics is a fundamental aspect in the management of Micro, Small, and Medium Enterprises (MSMEs) to ensure business sustainability and growth. This research discusses the role of business ethics in Karijawa Permai MSMEs, which focuses on building consumer trust, improving reputation, and creating harmonious relationships with stakeholders. Ethical practices, such as honesty in service, regulatory compliance, and social responsibility, help strengthen the position of these MSMEs in the competitive local market. In addition, consistent implementation of business ethics is able to increase employee loyalty and support environmental sustainability. The method offered to partners/MSMEs is in the form of education/socialization using LEAFLET which is carried out door to door. The material provided in the leaflet includes a discussion of (1) The Role of Ethics in Doing Business for MSME Actors, (2) Benefits in Doing Business for MSME Actors (3) The Application of Ethical Principles in Doing Business in Finance, Marketing, Production and Human Resources Activities. The findings show that the effective implementation of business ethics not only improves operational performance, but also has a positive impact on local communities and economies. Thus, business ethics is a strategic element in optimizing the contribution of Karijawa Permai MSMEs to sustainable development. The activity also showed that partners were very enthusiastic in listening and discussing during the activity. In addition, it can provide knowledge about ethics in running a business.

This research aims to analyze the level of English proficiency among Micro, Small, and Medium Enterprises (MSMEs) in Kecapi, Jepara, in the context of Islamic finance. English proficiency becomes important because many documents and information related to Islamic financial products are conveyed in English. The research method used is descriptive qualitative with data collection through questionnaires distributed to 50 MSME actors. The research results show that the majority of MSME actors (60%) have a limited understanding of English, while only 15% are able to communicate effectively in the context of international business. Although 70% of respondents recognize the importance of English proficiency to access Sharia financial services, they face obstacles in accessing relevant training. These findings indicate the need for English language training programs that align with the business needs of SMEs, particularly in the sharia finance sector. This research provides practical implications in the form of strategic recommendations for Islamic financial institutions and local governments to support the improvement of English language proficiency among MSME actors, in order to strengthen their competitiveness at the local, national, and international levels.

Welfare is crucial in the economy, indicating that people are able to meet their basic needs, such as food and clothing. Moreover, the existence of micro, small, and medium enterprises (MSMEs) greatly supports the achievement of this welfare by providing economic opportunities that help people access their living needs. The purpose of this study is to determine the role of micro, small, and medium enterprises (MSMEs) in improving community welfare. The research method used is descriptive qualitative using a literature study approach supported by secondary data. The results of this study reviewed from an economic aspect state that Micro, Small, and Medium Enterprises (MSMEs) play an important role in improving community welfare. The greater the welfare, the better the country's economic growth and development. In addition, there is legal support through various regulations designed to support the development of MSMEs and realize community welfare.

Firms big and small that can weather the economic storm will be able to hire more people and put more people out of poverty. Lacking proper asset segregation, small and medium-sized firms in Medan's Kampung Baru, Maimun District, tend to skimp on accounting. Intuition and expertise continue to guide the decision-making process for the majority of these heavy traders. One goal of PKM in basic accounting courses for SMBs is to teach students how to perform accounting in a way that is both methodical and crucial for measuring revenue, expenses, and profits. to keep up with the company's progress. In the Medan Maimun District of Kampung Baru Village, there are three steps to carrying out community service: conducting interviews and field observations, training, and mentoring and monitoring. Increased work motivation is one possible outcome of this activity's success in expanding participants' understanding of basic accounting and bookkeeping principles and practices.

The implementation of digital payments in micro, small, and medium enterprises (MSMEs) in Indonesia is one of the important steps to increase business competitiveness in the digital era. The Community Service Program (PKM) aims to provide digital literacy assistance to MSME actors by focusing on the implementation of digital payment systems, such as e-wallets and QRIS. This activity was carried out by a team of lecturers from Prasetiya Mandiri Polytechnic and PGRI Palembang University, which involved practical training and direct assistance to MSMEs. Through this training, it is hoped that MSME actors can optimize the use of digital payment technology to improve transaction efficiency and expand their market reach. In addition, intensive assistance is also provided to overcome technical obstacles in the implementation of the digital payment system. The results of this program show that MSME actors who participate in this mentoring experience increased understanding and skills in using digital payment technology, which has an impact on increasing the competitiveness and operational efficiency of their businesses. This program also makes a positive contribution to the development of MSMEs that can adapt to technological developments and an increasingly digital market.

This community service program aims to enhance digital literacy and online marketing skills for Micro, Small, and Medium Enterprises (MSMEs) in Bojongkulur Village. The activity focuses on utilizing digital platforms such as GoFood and GrabFood as tools to expand the marketing reach of MSME products. The methods employed include counseling, training, and direct mentoring. The program results indicated an increased understanding of digital platforms among MSMEs and a rise in the number of MSMEs registered as partners. Challenges encountered include the initial lack of digital literacy among some MSMEs and limitations in supporting devices.

Abstract. From the perspective of Micro, Small, and Medium Enterprises (MSMEs), fluctuations in raw material prices are highly concerning as they can significantly impact business stability. While MSMEs may tolerate price fluctuations to some extent, from an industrial engineering perspective, such a passive approach contradicts the principles of continuous improvement. This study seeks to predict the price of large red chili peppers using five regression models implemented through Orange Data Mining: Linear Regression, Support Vector Machine, Decision Tree, k-Nearest Neighbors (kNN), and Gradient Boosting. Due to the limited availability of daily data, particularly within a daily timeframe, the study utilized weekly data spanning three years. The results of the Test and Score evaluation shows Gradient Boosting as the best-performing model, achieving a Mean Absolute Percentage Error (MAPE) of 0.7%. However, the MAPE for predictions in January 2025 increased to 15.8%. This error is expected to decrease as more weekly data becomes available to mitigate the inaccuracies inherent in this model. Keywords: prediction, red chilli, regression, supervised learning , orange data mining. Abstrak. Dalam perspektif UMKM, fluktuasi harga bahan baku adalah suatu hal yang paling ditakuti karena berakibat pada ketahanan usaha yang menjadi tidak menentu. Pada suatu kondisi, fluktuasi harga dapat diterima para UMKM, namun dalam perspektif teknik industri, sikap UMKM tersebut tidak sesuai prinsip continuous improvement. Penelitian ini mencoba untuk memprediksi harga cabai merah besar dengan menggunakan 5 model regresi dibantu Orange Data Mining. Yaitu Linear Regression, Support Vector Machine, Tree, kNN, Gradient Boosting. Data yang diperlukan sebagian besar tidak tersedia, khususnya dalam kerangka waktu harian sehingga penelitian ini menggunakan data mingguan selama 3 tahun. Hasil Test and Score menunjukkan model Gradient Boost terpilih menjadi model terbaik dengan tingkat MAPE 0.7% namun MAPE pada tahap Prediction di bulan Januari 2025 menjadi 15.8%. Error tersebut akan berkurang ketika data mingguan sudah cukup banyak untuk menambal kesalahan yang dihasilkan model ini Kata kunci: prediksi, cabai merah, regression, supervised learning , orange data mining.

This research explores the impact of digitalization on Micro, Small, and Medium Enterprises (MSMEs) using a systematic literature review (SLR) approach based on the PRISMA method. The data collection process began with the identification of relevant scientific articles using the keywords "digitalization," "MSMEs," and "digital transformation," through leading academic databases, such as Scopus, Google Scholar, and JSTOR. The initial search identified 278 articles, of which 35 met the predetermined inclusion criteria. A thorough analysis of these 35 articles revealed that digitalization plays a pivotal role in fostering innovation within the MSME sector, offering benefits such as enhanced operational efficiency, expanded market access, and strengthened social, economic, and environmental sustainability. However, the implementation of digitalization in MSMEs is encumbered by several challenges, including limited resources, uneven digital infrastructure, and cyber security threats. The study underscores the significance of the government's role in establishing regulatory frameworks, offering financial incentives, and fortifying infrastructure to facilitate the sustainable digital transformation of MSMEs. This research provides strategic insights for policymakers, practitioners, and academics, offering guidance on the successful adoption of digitalization in the MSME sector.

This study aims to identify obstacles and opportunities in the development of Micro, Small, and Medium Enterprises (MSMEs) in Mojokerto Regency, Indonesia from a macroeconomic perspective. Using the Systematic Literature Review (SLR) method, this study analyzes various literature and secondary data from national and international sources. The research findings show that MSMEs in Mojokerto Regency face several major obstacles, including limited access to financing, lack of digital literacy, inadequate infrastructure, and challenges in improving the quality of human resources. On the other hand, there are significant opportunities for MSME development through the use of digital technology, government policy support, and export market development. From a macroeconomic perspective, the success of MSME development in Mojokerto will not only have an impact on improving the welfare of local communities but can also contribute to regional and national economic growth. Recommendations from this study include increasing access to financing, accelerating the development of digital infrastructure, and strengthening the capacity of MSME actors through entrepreneurship training and technological literacy. By overcoming these obstacles and utilizing existing opportunities, MSMEs in Mojokerto Regency have the potential to become a driving force for a stronger and more sustainable economy.

This study examines the role of digital technology in enhancing entrepreneurship in the Era of industry 4.0 through a systematic literature analysis of various sources from 2013 to 2023. By adopting this methodological approach, the research elucidates the benefits, challenges, and solutions associated with the adoption of digital technology for business practitioners, particularly in the micro, small and medium enterprises (MSMEs). The analysis demonstrates that digital technology significantly enhances operational efficiency, productivity, and market reach, while also fostering innovation in business models. However, challenges such as resource limitations, a lack of digital literacy, and the digital divide persist as significant obstacles. Furthermore, the study identifies strategic solutions to mitigate these challenges, including digital literacy training, technology subsidies, and improvements to digital infrastructure. The limitations of this research include a constrained data range from 2013 to 2023 and insufficient exploration of practical dimensions and ethical issues pertaining to the adoption of digital technology. Future research is encouraged to investigate these topics in greater depth, particularly within localized contexts and their implications for business sustainability. These findings underscore the critical role of digital technology as a fundamental enabler for developing competitive and sustainable entrepreneurship in Era 4.0.

The COVID-19 pandemic has had a significant impact on the Small and Medium Enterprises (SMEs) sector, including Kirimi dessert, a home store located on Jalan Noja I, Kesiman Petilan Village, Denpasar. This study aims to identify problems and provide solutions for Kirimi dessert MSMEs in facing challenges during the pandemic. The business, which focuses on making mille crepes and various desserts, faces several main obstacles such as limited production space, inability to fulfil orders when demand is high, and lack of promotion and personal branding. The research methodology used a qualitative approach through interviews and discussions with the business owner. The solutions offered include the development of MSME innovation, business expansion, and increased promotion through logo design, packaging, and social media optimisation. The implementation of this solution is expected to help MSMEs increase market reach and sales during the COVID-19 pandemic.  

This community service initiative aims to enhance the brand awareness and market competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Kedungjambe Village through digital marketing strategies. The study addresses the primary issue of limited consumer visibility, which hinders MSME growth. Training sessions were conducted to optimize the use of WhatsApp Business for effective customer communication and the Shopee e- commerce platform to expand market reach. MSME participants were guided in creating engaging promotional content, utilizing WhatsApp's broadcast features for direct interactions, and managing online stores on Shopee, including product descriptions, inventory, and sales analytics. Practical simulations on Shopee's features were provided to strengthen participants' understanding of e-commerce as a strategic sales channel. The results demonstrated a significant improvement in brand visibility, customer engagement, and sales performance among participating MSMEs. This initiative highlights the effectiveness of leveraging digital platforms like WhatsApp Business and Shopee to enhance MSME competitiveness, offering a sustainable model for rural business development.