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Digitalization has become a crucial factor in enhancing the competitiveness and growth of Micro, Small, and Medium Enterprises (MSMEs) in developing countries, particularly within the ASEAN region. This study aims to explore the impact of digitalization on MSME growth in Indonesia, the Philippines, and Vietnam through a Systematic Literature Review (SLR) approach. These three countries were selected due to their substantial economic potential and evolving levels of technology adoption, yet each faces unique challenges in digital transformation. The study analyzes literature on the role of digitalization in improving market access, operational efficiency, and MSME financing, identifying key drivers and barriers specific to each country. Findings reveal that digitalization significantly contributes to enhancing productivity and sustainability for MSMEs, though challenges related to infrastructure, digital literacy, and regulatory frameworks present notable obstacles. This review aims to provide insights for policymakers and MSME stakeholders in optimizing digitalization strategies to foster economic growth in ASEAN.

In the era of free markets, Micro, Small, and Medium-Sized Enterprises (MSMEs) must fulfill specific conditions in order to compete. In order to help business actors—particularly craftspeople and MSME actors—better expand their enterprises, community service activities are necessary because many of them still lack business legitimacy. The purpose of this activity is to introduce the company Identification Number (NIB), which may be obtained online, and to raise awareness of the need of maintaining company licenses. The Indonesian government wants to make business actor registration easier by using the Online Single Submission (OSS) to submit NIBs. The provision of business legality theory and practice is part of this support. The purpose of this study is to arm business actors with information and expertise about creating NIB so they may grow their enterprises. The findings demonstrated that the community's comprehension of creating NIB, which each and every business actor must own, had improved. Because the NIB has granted legal status to the firm, it has made doing business simpler. MSME participants in Seberang Sanglar Village also benefit from protection from the government, easy access to financing, government empowerment, and support for their business growth.

MSMEs play a crucial role in the economy. However, the performance of MSMEs is often not optimal due to various challenges, such as limited access to financing, lack of financial literacy, and high dependence on government policies. This study aims to analyze the effect of financial literacy and government policies on the performance of MSMEs in Depok City. A quantitative research design was applied in this study. Primary data were obtained from the results of a questionnaire distributed to 100 selected MSME actors using the accidental sampling method. Data collection was carried out in August - September 2024. Data analysis used the Smart Partial Last Square (PLS) 4 program which includes measuring the outer model and inner model. In testing the outer model, convergent validity, discriminant validity, and composite reliability tests were carried out. In testing the inner model, an evaluation was carried out on multicollinearity, R-squared, goodness of fit, F Square, and path coefficients. The results of the study showed that both financial literacy and government policies had a positive effect on MSME performance, but were not statistically significant. The results of this study imply that financial literacy and government policies need to be improved in terms of implementation and relevance to provide a more tangible impact on MSME performance. Financial literacy programs and policies need to be more tailored to the specific needs of MSMEs and supported by ongoing support to have a significant impact.

This community service aims to improve the financial literacy of MSMEs in Krikilan Village, Kalijambe District, Sragen Regency through training in the use of the SIAPIK application from Bank Indonesia. SIAPIK, or the Financial Information Recording Application System, is designed to make it easier for MSMEs to record financial transactions and prepare financial reports in accordance with MSME Financial Accounting Standards. Participants in this activity were MSMEs from Krikilan Village, Kalijambe District, Sragen Regency, totaling 20 people. This activity involved socialization and training using lecture, dialogical, and direct practice methods. The implementation of the training on July 18, 2024 showed positive results, with MSME participants now having a better understanding of the use of the SIAPIK application. This program is expected to improve the technical skills of MSMEs, facilitate access to financing, and improve the quality of their financial reports.

The development of information technology that is currently developing serves to facilitate, accelerate, benefit and provide other alternatives for people who have businesses and have a big influence in the future. One of the things that is very influential is the sale of MSMEs. MSMEs are productive businesses owned by individuals or business entities that have met the criteria as micro businesses that have an important role in the economy because they provide employment, encourage local economic growth, and create innovation. MSMEs still face challenges such as limited access to financing, digital readiness, and marketing access that hinder the development of MSMEs. Therefore, it is necessary to take action to predict MSME sales in Binjai City using the backpropagation method so that later it can create new innovations and encourage community economic growth. Based on the process carried out using the backpropagation method, it can be seen that the value obtained has reached more than the predetermined target with a target value (t) of 0.26, learningrate 0.2, maximum epoch 10000 target error 0.01.

This study analyzes the impact of Corporate Social Responsibility (CSR) initiatives by PT Bank Rakyat Indonesia (Persero) on the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia by 2024. Using a qualitative research approach with in-depth interviews and direct participatory observation of MSME stakeholders who benefit from BRI's CSR programs, the study reveals significant positive results. CSR interventions not only enhance the capacity and competitiveness of MSMEs but also improve their access to financing. Furthermore, the research highlights the broader social and environmental impacts of BRI's CSR, confirming its role in encouraging sustainable business practices among MSMEs. The research findings show strong synergies between BRI's CSR efforts and local government support, which enhances the program's effectiveness and reach across different regions of Indonesia. This research underscores the critical role of CSR in driving inclusive economic development and sustainable growth in Indonesia, advocating for continued support and refinement of CSR strategies as a key driver of economic empowerment and environmental stewardship.

Based on the existence of a sharia pawnshop product called ARRUM BPKB which is specifically intended for UMKM (Usaha Mikro, Kecil dan menengah/Micro, Small and Medium Enterprises) who need additional capital. However, in the pawning process, the customer must pay the maintenance fee for the pawned goods or what is called mu'nah. Because of this additional cost in the process of maintaining the pawn item, there is an opinion that says that the additional maintenance costs contain riba. Therefore, the aims of this study is  to find out how the determination of mu'nah (maintenance costs for pawn items) and the suitability of the determination of mu'nah based on Fiqh Muamalat. This research is Qualitative research with the type of case study. In this research, the analysis of various factors related to this problem was carried out. This research used an approach through observation to Pegadaian Syariah Kramat Raya, Central Jakarta. The primary sources in this study is the data collected by researchers from Sharia pawnshops, such as documents and interviews, while secondary sources in this study is relevant literature. The results of this study indicate, 1) the determination of mu'nah on ARRUM BPKB products in sharia pawnshops is by considering the risk amount of the guarantee itself. 2) Mu'nah determination on BPKB ARRUM products for UMKMs in Sharia Pawnshops is in accordance with Fikih Muamalah and Fatwa Number 92 / DSN-MUI / IV / 2014 regarding accompanied financing (Rahn Al-Tamwil Al-Mautsuq bi Al-Rahn) that mentions mu ' nah (maintenance or guarding services) for marhun, the amount of which must be determined at the time of the contract as referred to as ujrah in the  ijârah contract.

Micro, Small and Medium Enterprises or MSMEs have an important role in the economy in Indonesia. Business legality that is officially recognized by the government, such as a Business Identification Number, is the main prerequisite for gaining consumer trust and access to various other business opportunities, including financing and partnerships. The aim of this activity is to provide assistance to Bu Suwarti Semen Tape MSMEs regarding NIB creation, starting from the registration process to NIB processing so that the business is recognized as legal by the government, and by developing branding for the Bu Suwarti Semen Tape product, it can increase the attractiveness and competitiveness of its products. on the market. The MSME assistance work program is carried out using several methods including surveys, observations, interviews and discussions, as well as mentoring. This assistance is carried out in two stages, namely assistance in creating a Business Identification Number which starts from the registration process to processing the NIB so that the legality of the business is recognized by the government. Next, the second stage is assistance with MSME branding through creating a visual identity which aims to increase the attractiveness and competitiveness of this tape product on the market.

The Covid pandemic has had an impact on the declining performance of MSMEs in Kupang City. Various efforts have been made by the government to save MSMEs and one of them is use of digital marketing. This study aims to determine the impact of the use of digital marketing on the performance of SMEs in Kupang City and identify the obstacles faced by SMEs in the use of digital marketing. The results of this study indicate that using digital marketing in marketing products/services to MSMEs in Kupang City is able to have an impact on sales growth, increasing income, expanding market reach and increasing the number of customers. In addition, there are several obstacles faced by MSMEs in using digital marketing, namely lack of understanding of business via the internet, limited financing, unprepared labor, lack of availability of supporting facilities, unstable internet network, and distrust of business in internet

Murabaha financing is one of the Islamic financing products that is popular among MSMEs. This product is in accordance with Islamic sharia principles which prohibit usury and encourage fair buying and selling transactions. This study aims to analyze the implementation of sharia principles in murabahah financing products of Islamic banks on the financial performance of MSMEs. A literature review was conducted to understand the concepts of sharia principles, murabaha financing, and MSMEs financial performance. Data were collected from various sources, journals, including books, and other reliable sources. The study results show that the implementation of sharia principles in murabaha financing products of Islamic banks has a positive influence on the financial performance of MSMEs. This positive influence can be seen from the increase in profitability and operational efficiency of MSMEs. In addition, murabaha financing can also help MSMEs to increase access to capital and develop their business.

This research explores the vital role of business legality in supporting the growth and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Through a combination of interview and direct observation approaches, we investigate the challenges faced by MSMEs in obtaining appropriate business legality and its impact on market access and financing. The findings indicate that a lack of understanding of the importance of business legality, complex licensing processes, and the need for specific requirements are major obstacles for MSMEs, especially those operating at the micro and small levels. Furthermore, we conclude that complete and legally valid business legality forms a solid foundation for the growth of MSMEs, enabling broader access to formal markets and financial resources. The approach of mentoring in obtaining the Business Identification Number (NIB) emerges as an effective solution in assisting MSMEs in overcoming challenges related to business legality. Comprehensive mentoring programs, ranging from education about the registration process to practical assistance in gathering required documents, provide much-needed support for MSMEs like Bu Siti in navigating complex registration processes. Evaluation and feedback, as well as effective information dissemination, also prove crucial in increasing MSMEs' awareness and understanding of licensing procedures and the benefits of having complete business legality. Thus, collaborative efforts from various parties can help create a more conducive environment for the growth of MSMEs in Indonesia.  

In its development, the MSME sector is often faced with various problems caused by external factors. External constraints relate to access to sources of financing and a business climate that is less conducive to the development of small businesses, because so far it seems that various policies are more in favor of the large business sector, so that the various facilities provided by the government are mostly enjoyed by the large business sector. This research method used is a descriptive method with a quantitative approach. The sampling technique in this research used probability sampling with a simple random sampling method, the total sample was 97 MSME actors. Partially (T test) shows that the External Environment has a positive and significant influence on MSME Performance, Strategic Planning does not significantly influence MSME Performance, simultaneously (F test) it appears that the External Environment and Strategic Planning have a positive and significant influence on MSME Performance, and in an Islamic business perspective, External Environment and Strategic Planning consider ethical values ​​and sharia principles

This research is motivated by the importance of trust and service in the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research aims to find out and analyze how much influence trust and service have on the interest of micro, small and medium enterprises (MSMEs) to apply for financing at sharia banks. This research uses a correlational method with a quantitative approach. Sampling used purposive sampling. The data used is primary data and secondary data. Primary data was obtained from respondents through distributing questionnaires, while secondary data was based on observations, journals, articles and previous research. Meanwhile, multiple linear regression analysis techniques. Test classical assumptions, and test hypotheses. Analysis of this research using SPSS, based on research results at a significance level of 5% shows that. (1). Trust has a significant effect on business interest, the results of the regression coefficient are 0.122 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (2) service has a significant effect on business interest, the results of the regression coefficient are 0.324 and based on the test results of the coefficient of determination of the trust variable on business interest, it is 0.324 or 32.4% and has a significant level of (0.001 ≥ 0.05). (3) the influence of trust and service has a positive F_count value of 43.368 which is greater than F_table 3.107 with a significance level of 0.000 ≤ 0.05 and a coefficient of determination test result of 0.324% or 32.4%. So it can be concluded that the trust and service variables influence business interest by 32.4% and the remaining 67.6% is influenced by other variables.

SAK EMKM is expected to assist entities in transitioning from cash-based financial reporting to accrual-based financial reporting. The issuance of SAK EMKM is expected to serve as one of the drivers of financial literacy for MSMEs in Indonesia, thus widening their access to financing from the banking industry. Financial statements are records of financial information of a company during an accounting period that explain a company's performance. The purpose of financial statements according to PSAK 1 (Revised 2009) is to provide information about the financial position, financial performance, and cash flows of an entity to assist most users of the financial statements in making economic decisions. SAK-EMKM contains simpler accounting regulations than SAK-ETAP because MSMEs conduct transactions with calculations and measurements that purely use historical costs. The type of research method used is descriptive qualitative method. Describing the current financial condition of MSME players. As well as conducting a simple financial statement preparation analysis for MSME players. This study produces financial statements for Pentol Kabul MSMEs that comply with SAK-EMKM standards, including balance sheets, income statements, and notes to the financial statements.

Made Village in Surabaya City has diverse economic potential, especially in the Micro, Small and Medium Enterprises (MSME) sector. This potential includes local products, handicrafts, traditional food, and tourism. MSMEs in Made Village include the processing of sengon nuts and soy milk. However, there are opportunities to develop these MSMEs through appropriate strengthening strategies. Strengthening MSMEs in Made Village through approaches such as skills training, increasing market access through digital platforms, developing collaboration networks, and implementing information technology can be strategic steps to increase the competitiveness and growth of MSMEs. This research uses a qualitative descriptive method. The author uses secondary research data sources to support research obtained from print and electronic media. Secondary data is a previously existing data source, obtained by researchers indirectly through intermediary media. With diverse economic potential, especially in the Micro, Small and Medium Enterprises (MSME) sector. From the author's short interview with MSME partners, sengon bean and soy milk entrepreneurs. Strategy efforts to strengthen MSMEs in Made Village, Surabaya City start from ensuring the quality of the products or services offered remains superior, to maintaining good relationships with customers. This also includes monitoring the market and being flexible to changing trends and consumer needs. What is no less important is paying attention to operational efficiency and managing finances wisely to maintain the financial health of entrepreneurs. Strategic efforts are needed to strengthen such as developing local partnerships, community empowerment, promotion and marketing, product diversification and access to financing. Apart from that, the government needs to make efforts to support MSMEs through Article 97 of the Job Creation Law. The government allocates funds to the community to help MSMEs to operate and reach the market. thus providing positive implications for entrepreneurs (MSMEs) and local residents. Advice from researchers for MSME business actors to innovate more creatively and keep up with current developments by utilizing the latest technology, and also involving local residents to participate in improving the local economy.

UMKM Terez Collection have experienced a downward sales trend and very drastically after the Covid-19 pandemic. The aim of the research is to determine the Terez Collection's marketing strategy and the obstacles faced in increasing its sales value. This type of qualitative descriptive research uses a purposive sampling method. Data collection methods are observation, interviews and literature study. Data analysis involves data collection, reduction, presentation, drawing conclusions and verification. The market segment being worked on is teenage women aged from teens to adults, lower middle class. Meanwhile positioning has not been carried out and understood well. The research results show that the product in consumer perception has good quality in its class, is varied and meets consumer wants. The pricing strategy is quite good and competitive. The promotional strategy is still conventional so that the distribution channel is still one channel, namely conventional. The location of production and management of UMKM in production centers is an added value. Distribution is carried out through wholesalers and retailers. The obstacle faced is that the owner does not understand digital marketing well, and has not taken advantage of opportunities through product innovation. Suggestions for local governments to facilitate and encourage the return of the Binong Jati knitting center, to help facilitate financing for product innovation and training. Terez Collection is advised to increase knowledge and carry out digital marketing as an effort to expand the market.

This study aims to review the impact of tax avoidance on the debt maturity structure of Micro, Small, and Medium Enterprises (MSMEs) based on existing literature. Tax avoidance provides MSMEs with the ability to improve short-term cash flow by reducing tax liabilities, which in turn allows for flexibility in managing debt, including extending debt maturity. With increased cash flow, MSMEs tend to rely more on debt as a financing source; however, they also face the risk of higher financing costs due to increased risk perceptions from lenders. The impact of tax avoidance on company reputation can also affect relationships with creditors, potentially leading to higher borrowing costs or difficulties in obtaining debt in the future. Although tax avoidance offers short-term benefits, MSMEs need to consider the potential long-term negative impacts, such as financial risks and reputational damage, when making debt management decisions. This study provides important insights for MSMEs in managing tax avoidance wisely, balancing financial benefits with the potential reputational impact.

PERMENKO No. 1 year 2023 on Kredit Usaha Rakyat (KUR) is the foundation for the implementation of the program that supports the growth of the Micro, small, and Medium Enterprises(UMKM) sector. With the dominance of UMKM in the economic structure, the KUR program was initiated based on presidential instruction No. 6 of 2007, followed by an MoU between the government, guarantee institutions, and banks. KUR, run by certain banks, such as BRI, BNI, and Mandiri, gets unbankable UMKM. PERMENKO No. 1 year 2023 stipulates a maximum interest rate of 6%, a loan period of up to 7 years, and allows multiple loans subject to collectibility requirements. With a focus on UMKM that have difficulty accessing capital, the KUR program has succeeded in achieving effectiveness with the realization of reaching IDR 175,73 trillion as of September 2023. Although obstacles remain, such as the assumption of urbanicity and the unpreparedness of Micro business, KUR provides easier access to financing at low-interest rates, accelerating the economic growth of UMKM.

Islamic Religious Education is considered the main pillar in shaping the character of Muslims; however, in the era of globalization, entrepreneurship has become essential. The integration of entrepreneurship enables students to connect religious values with the real world, develop self-potential, and become agents of positive change. Inclusive management of Islamic religious education towards entrepreneurship is not only a necessity but also a challenge to create innovative curricula. This study employs a qualitative descriptive method through a literature review approach to examine the management of education and entrepreneurship in Islamic religious education. The goal of Islamic Religious Education is to shape individuals with profound knowledge of Islamic teachings, capable of applying them in daily life, fostering love and obedience to Allah SWT, imparting Islamic values and ethics, and encouraging critical, analytical skills, and entrepreneurial spirit. Entrepreneurship in Islamic religious education aims to mold a younger generation of Muslims who can become successful entrepreneurs and are morally and ethically responsible. The integration of entrepreneurship involves teaching entrepreneurial values and principles, as well as developing entrepreneurial skills such as creativity and management. A conducive environment for entrepreneurship, including the empowerment of micro, small, and medium-sized enterprises (UMKM), training, mentoring, access to financing, and incentives for entrepreneurs, is deemed essential. By integrating entrepreneurship into Islamic religious education, it is expected that students can prepare themselves to face the challenges of the job market and contribute to the welfare of society.

Financial management must start from household management first because household financial management is already good, this will advance Micro, Small and Medium Enterprises (MSMEs) because society already has a basis for keeping financial records. The service aims to help and analyze and provides solutions to sources of business financing funds and provides new insights into accounting and digital financial technology that can be implemented into simple financial bookkeeping for households and MSMEs. Financial planning in the household can be done by identifying financial conditions (what assets we own and has the potential for great value in the future), determines desires, determines main desires. When determining your desires, you need to do three things, namely making all the desires you want to achieve now and in the future, what you want and what you need, writing down the funds needed and the time to achieve them. The next step is to determine the main desires. Practical financial management strategies that need to be implemented by MSME players are as follows: (1) administering receivables, (2) administering accounts payable, (3) administering inventory, which has a strategic role for both businesses operating in trade sector. (4) Cash administration, useful in providing information about the amount of cash coming in and cash going out.