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Nadia Ishak

The Islamic Digital Economy (IDE) has emerged as a transformative force, unlocking new opportunities for sustainable development within the global Muslim community (Ummah). This paper explores the multifaceted dimensions of IDE and its potential impact on Ummah sustainability. The IDE encompasses a wide array of digital technologies, including but not limited to fintech, e-commerce, blockchain, and artificial intelligence, all aligned with Islamic principles. By leveraging these technologies, the Ummah can foster economic growth, financial inclusion, and social development while adhering to ethical and Sharia-compliant practices. This paper delves into the key components of IDE, examining its role in promoting entrepreneurship, enhancing financial literacy, and fostering innovation within the Ummah. Moreover, it explores the potential of IDE to address societal challenges such as poverty, unemployment, and income inequality through inclusive and sustainable economic models. In addition, the paper highlights the importance of regulatory frameworks that support the growth of IDE, ensuring that it aligns with Islamic values and principles. It also underscores the need for educational initiatives to enhance digital literacy within the Ummah, empowering individuals to fully participate in the digital economy. Through a comprehensive analysis of the opportunities and challenges associated with IDE, this paper aims to provide insights for policymakers, businesses, and communities seeking to harness the full potential of the Islamic Digital Economy for the sustainable development of the Ummah. By embracing IDE, the Ummah can not only navigate the digital age successfully but also contribute to a more inclusive, ethical, and sustainable global economic landscape.

Diah Rizki Syahrani Nst; Arnida Wahyuni Lubis

Jurnal Akuntan Publik 2023 International Forum of Researchers and Lecturers

The background to this research is that companies consist of a number of individuals who work together to achieve various goals in the fields of business, profession, social, and so on. One important thing is to provide the best service to external parties by carrying out written communication between agencies related to the company. The importance of the employee's role in managing employee activities cannot be ignored. This can be done in large or small scale companies, or even in the company's activities themselves. Communication between employees, involving planning, organizing, determining, distributing and delivering activities, is a very important factor for the success of a company, one of which is in terms of correspondence. The aim of this research is to understand, identify and analyze the effectiveness of employee performance in managing correspondence at the Department of Industry, Trade, Energy and Mineral Resources of North Sumatra Province. The results can be concluded that the effectiveness of employee performance in the role of employee skills in managing correspondence in the Department of Industry, Trade, Energy and Mineral Resources of North Sumatra Province has indicators in assessing it, including work performance results, discipline, coordination, skills, responsibility, Employee understanding of the tasks/fields to be carried out, Receive complaints from superiors regarding the results of the work carried out.

Dita Pebriyanti; Siti An Nisa; Fahim Khilda Afiffulloh; Dwi Wulan Sari; Nanda Bayu Aji Argananta +9 more

Jurnal Nusantara Berbakti 2023 Universitas Kristen Indonesia Toraja

The development of Ngrupit Village as a tourism village is inseparable from the participation of all members of the community. One of the important elements in supporting the creation of a tourist village is the existence of an institution that can manage and organize tourism businesses or what we call a Tourism Awareness Group (Pokdarwis). This service activity aims to provide assistance to Pokdarwis Ngrupit Village to increase the understanding and capabilities of its members in tourism business governance. This service begins with the formation of Pokdarwis institutions, tourism potential survey activities, Forum Group Discussion (FGD) activities, and training in tourism business governance. Through this training activity, Pokdarwis of Ngrupit Village was given training, socialization, assistance, and empowerment regarding tourism business management, including financial management, marketing, facilities, and customer service. The benchmark for the success of this service activity is seen from the pre-test and post-test scores in the training activities. The results showed that the average pre-test score was 66.42 and the average post-test score was 87.14 in the tourism business management training. While in the training of Branding and Marketing of Tourism Businesses, the average pre-test score was 50.71 and post-test was 85.71. Based on these results, it was found that there was an increase in the average score before and after attending the training. Thus, this training increased the understanding of Pokdarwis members regarding tourism business management as well as branding and marketing of tourism businesses.  

Daery Farras Saputro; Andriyastuti Suratman

Jurnal Penelitian Manajemen dan Inovasi Riset 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The existence of infrastructure and development that continues to develop in Kulon Progo, such as the YIA Airport in  Kulon Progo, hotels and shopping centers can lead to rapid development growth in Kulon Progo. With development increasing rapidly but not accompanied by the development of human resources in the surrounding area, this has resulted in the marginalization of the surrounding community. The author's aim is to analyze the activities carried out by the Kulon Progo government to increase the capacity of the Kulon Progo community. Can also analyze problems that arise in the development process and how the Department handles them. A qualitative approach was chosen for this research process, namely descriptive research. The data sources used are primary data obtained during the research process and secondary data from books and other literature. The data collection process was carried out by interviews, direct observation and documentation. The research results include plans for development and empowerment activities prepared by the department taking into account various agency linkages and the needs of business actors in Kulon Progo. The Department carries out various programs such as training to increase production capacity, improving central management, issuing permits to increase business capacity in Kulon Progo. Monitoring and evaluation of activities is also carried out to determine the obstacles and successes of activity programs.

Cindy Silvia Agustin; Tantria Desvi Vinata Sari; Puteri Aisyah; M. Isa Anshori

Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Employee adaptability skills are increasingly important in a rapidly changing business environment. A recent literature review reveals the evolution of employees' adaptability skills during the COVID-19 pandemic and efforts to strengthen them. Factors such as leadership, changes in the work environment, and organizational support influence changes in adaptability. Inclusive leadership, open communication and social support form key elements in this strategy. This article describes the development of employee adaptability skills in the context of external change, especially the COVID-19 pandemic. This article describes material for developing employee adaptability skills which includes understanding the concept of adaptability, adaptability development strategies, and the benefits for companies and employees. This material is designed to help employees develop their abilities to deal with change, increase resilience, manage stress and innovate. By investing time and resources in developing adaptability skills, organizations can increase their competitiveness and employees can achieve success in a dynamic work environment. The results of this literature review provide useful insights for organizations that wish to prioritize developing employee adaptability in response to increasingly complex business dynamics.

Pauline Surjadi Popang; Rati Pundissing; Mince Batara

Journal Economic Excellence Ibnu Sina 2023 STIKes Ibnu Sina Ajibarang

Technology in the financial sector plays a crucial role in human life, as evidenced by the widespread use of electronic money. The advent of cashless payments, such as QRIS, can enhance financial management for businesses and contribute to their success. This research aims to compare the income of MSMEs before and after implementing QRIS in their operations. The sample size used in this study consists of 35 MSMEs at To’Pao Art Market, selected through saturation sampling. Data collection was conducted using a questionnaire, and data analysis was performed using the Paired t-Test. The results of this study indicate that there is a difference in MSMEs' income before and after the adoption of QRIS. This is supported by the Paired t-Test, which yielded a significance value (α) of less than 0.05 (0.007 < 0.05). The average income before using QRIS was 20.77, whereas after implementing QRIS, there was an increase in the average income to 21.60. Based on the results of the paired t-test, it can be concluded that the use of QRIS has a positive impact on MSMEs' income."

Rani Afkarina; Cindi Septianza; Ahmad Faisol Amir; Mochammad Isa Anshori

Jurnal Penelitian Manajemen dan Inovasi Riset 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Change management in the VUCA (Volatility, Uncertainty, Complexity, Ambiguity) era has become increasingly important in dealing with business dynamics that change rapidly and unexpectedly. This era is characterized by continuous change, external uncertainty, the complexity of the business environment, and information ambiguity. This study uses the literature study method to explore the concepts and practices of change management that are effective in dealing with the instability and uncertainty of the business environment. Through the research method of literature study, the authors analyze various sources of literature which include change management theories, as well as case studies of the implementation of change management in various organizations. This article highlights the importance of organizational adaptation to rapid and unpredictable environmental change. The study results emphasize continuous adaptation and innovation as the keys to success in the face of constant change. In addition, this article provides insight into how organizations can turn VUCA challenges into opportunities for sustainable growth and development.

Andriani, Beid Fitrianova; A. Tarmizi; Putri E., Aurelia Zahwa

Jurnal Riset Rumpun Ilmu Ekonomi 2023 Lembaga Pengembangan Kinerja Dosen

This thesis is entitled Analysis of the Application of Islamic Business Ethics in Business Success (Study on Ilham's rempeyek business in Jambi City). This study aims to determine the application of Islamic business ethics in accordance with the principles of Islamic business ethics according to Faisal Badroen and the indicators of business success are capital, income, sales volume, production output and labor. The method used in this research is descriptive qualitative, where in collecting data the researcher uses observation, interview and documentation methods. The results showed that Ilham's peanut brittle business had implemented Islamic business ethics well in running his business and had a positive impact on the success of his business. Obstacles in applying Islamic business ethics to Ilham's peanut brittle business in Jambi city are keeping promises caused by a lack of manpower in the production sector causing delays in product delivery to consumers and inaccuracy in delivering products to consumers. The solution in applying Islamic business ethics to Ilham's peanut brittle business in the city of Jambi is to recruit workers, especially in the production sector so that production results can meet consumer demands and be more careful and thorough when delivering products to consumers.

Dila Wandasari; Aqwa Naser Daulay

Manajemen Kreatif Jurnal (MAKREJU) 2023 Pusat Riset dan Inovasi Nasional

Any organization that adheres to established standard operating procedures, whether a business organization or a public institution, rewards good performance. The success of an organization depends on measuring its financial performance. The purpose of this research is to find out how value for money is in evaluating financial performance. The accountability report of the North Sumatra provincial government is used as secondary data in this research, which uses descriptive methodology with a quantitative approach. Data collection techniques include documentation methods. The results of this research show that the company's financial performance in 2022 is good in terms of Economic Ratios and Efficiency Ratios, but the Effectiveness Ratio cannot yet be considered effective performance.

Alya Elva Lianda Nasution; Arnida Wahyuni Lubis

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2023 FEB Universitas Maritim Semarang

Esources such as capital and office infrastructure. Human resources are the most important thing for an institution, because humans have the ability to set goals, collaborate, and work so that planned goals are achieved. Likewise, it is no less important than the office infrastructure in an institution that has a big influence in efforts to increase work efficiency and effectiveness. Therefore, an institution really needs office infrastructure that can be used by employees in carrying out their duties and responsibilities so that administrative activities and other operational activities can run well and smoothly. Office infrastructure is one of the factors that supports the success of an institution in achieving the organization's goals. Office facilities and infrastructure are an important part that need to be prepared ideally and continuously so that they can ensure the smooth running of employee work activities. Considering that office facilities and infrastructure are very important in efforts to facilitate employee work activities, therefore it is necessary to manage adequate facilities and infrastructure. Means are anything that is used as a tool to achieve aims and objectives, means are more indicated for moving objects such as computers and machines. Infrastructure is something that is the main support for the implementation of the process (Business, Development, Project), infrastructure is more indicated for immovable objects such as buildings, space, land. Work effectiveness is a condition that shows the level of success of management activities in achieving goals including quantity work, quality of work, and timeliness in completing work. Effectiveness is often associated with an efficient system, so that the service process takes place effectively, optimally and on time, thereby eliminating the need for overtime work with its implications. The efficiency of work processes, the level of effectiveness of office technology users, and the comfort of the work environment will directly and indirectly influence employee performance in completing assigned tasks. Apart from that, there are also various factors that influence work effectiveness, including: time, tasks, productivity, motivation, work evaluation, supervision, work environment, equipment and facilities. It is logical and appropriate if increasing effectiveness is made one of the government's long-term targets in implementing its strategy. Based on the phenomena presented above, it is clear that the Office of Industry, Trade, Energy and Mineral Resources of North Sumatra Province has not been well managed regarding infrastructure and has not complied with the appropriate regulatory principles. Problems like this should be addressed immediately and maximized so that in the future it can be as good as it should be. If this is resolved, it will certainly create a comfortable and conducive atmosphere so that employees can carry out their work responsibilities well and optimally. Therefore, the researcher was interested and conducted research as a result of an internship, with the title "The influence of the lack of office infrastructure on the effectiveness of employee performance

Yeni Amelia

Intellektika : Jurnal Ilmiah Mahasiswa 2023 STIKes Ibnu Sina Ajibarang

The purpose of this research is to find out the analysis of changes in sales, profits, and financial performance of PT. XYZ. Sales is one of the activities carried out by the company to maintain its business so that it can develop and compete with other companies so that it can easily obtain the profit or profit that the company wants. Profit is one indicator of a company's success in running its business. However, there are other indicators besides profit needed by the company to survive in the future. Financial performance is a description of the economic results that can be achieved by a company at a certain time through the company's activities.This study uses a descriptive quantitative analysis method and uses primary data in the form of sales reports, costs or expenses, and profit reports for 2018-2022. Changes in profit obtained a significant value of T of 0.000 less than 0.05, meaning that changes in profits partially affect the financial performance of PT. XYZ. This shows an increase in profit changes can affect the increase in the company's financial performance

Hambali Hambali; Adis Erfiqovina; Baihaqi Hakim; Chusnul Khotimah Arramadani; Herma Liza +6 more

jurnal ABDIMAS Indonesia 2023 STIKes Ibnu Sina Ajibarang

Air Emas Village is a village born from the transmigration class of 1991, the majority of which the population was imported from Java. The Air Emas Village KKN was carried out from July 10 – August 18, 2023 in Air Emas Village, Singingi District, Kuantan Singingi Regency, Riau, which consisted of 10 students, successfully conducting socialization activities for making fish balls made from catfish. The method carried out is the survey method and goes directly to the field. Consideration of the social and economic conditions of the village makes this activity one of the suitable activities to be carried out in Air Emas Village. The use of catfish raw materials because this fish is rich in protein and also has omega-3. The target of this activity is PKK mothers who will later use it to be a form of MSMEs. The purpose of this activity is to build the foundation of MSMEs to the community and be able to build businesses and form healthy patterns for the people of Air Emas Village.

Ainun Pratiwi Harahap; M. Yarham

Journal Economic Excellence Ibnu Sina 2023 STIKes Ibnu Sina Ajibarang

When it comes to developing connections with other parties in the corporate sector, ethics is crucial. Business ethics is critical in deciding a company's success or failure. Implementing excellent business ethics may help increase communication and promote mutual trust among coworkers. You must concentrate on two things while operating a business. The first is to be aware of and sensitive to the needs and feelings of others. The second purpose is to prevent misunderstandings with others, since business ethics differ widely between cultures and nations. The goal of this essay is to discover how Ethics and Business might become long-term business strategies in the Global Business Era. As a research approach, the author of this paper use observation techniques as well as library research methods. According to the findings of this article's discussion, business ethics influences the amount of confidence that each member of the business community has in one another. The company, suppliers, and end users are all stakeholders who impact one another. Each of these components must adhere to high ethical standards in order to preserve the foundation of trust.

Fachrurrozie Fachrurrozie; Widiyanto Widiyanto; Ahmad Nurkhin; Satsya Yoga Baswara; Muhammad Feriady

jurnal ABDIMAS Indonesia 2023 STIKes Ibnu Sina Ajibarang

Al Asror Islamic boarding school has several business units which are expected to be a means of developing student entrepreneurship in addition to supporting the boarding school independently. The santri craft business unit, grocery store unit, laundry and canteen are managed by the santri in the Islamic boarding school environment. The problems faced in developing student entrepreneurship are from the perspective of students as the main object of entrepreneurship education.The solution to problems in this service activity is by carrying out FGD activities, coaching and mentoring, and business motivational lectures. The target participants are students, caregivers, administrators, parents/guardians of students, and business and entrepreneurship practitioners/experts. The FGD resource persons were the service team and cottage caretakers. The targets of motivational training are students who have been involved in managing the Islamic boarding school business unit. Motivational lecture speakers are members of the service team. The stages of implementing service activities are the pre-implementation stages of service activities, the stages of implementing service activities, and the post-service activity stages. Service activities can run well and smoothly and consist of three sub-activities, namely delivering entrepreneurship material in the general stage, FGD for stakeholders, and mentoring for students who run Islamic boarding school business units. The first and second activities were carried out successfully. Islamic boarding school stakeholders can convey ideas and concepts in developing student entrepreneurship and Islamic boarding school business units. The third activity has also been carried out by providing reinforcement for students who receive the mandate to run Islamic boarding school business units such as laundry, drinking water, canteen, and others. New business ideas for Islamic boarding schools must be analyzed carefully considering the potential and development of the Patemon area and its surroundings.

Rifa Idola Siregar; Jelita Harianja; Annesya Bagariang; Renny Victoria Sinaga; Oky Rasbina Karolina Br. Surbakti

Jurnal Teologi Injili dan Pendidikan Agama 2023 Sekolah Tinggi Pastoral Kateketik Santo Fransiskus Assisi

In an era of disruption, the church needs to adapt to rapid social, technological and economic changes, the church as a religious institution also needs to adapt to face these challenges. One important aspect that needs to be considered is the congregation's economy. A strong and sustainable economy can provide support for church activities and the surrounding community. This research aims to identify effective church strategies in improving the congregation's economy in an era of disruption. Through a literature study approach and case studies of successful churches, several strategies were found that could be implemented: First, churches need to increase the congregation's skills and knowledge in facing economic changes. Second, churches need to utilize information and communication technology to support the congregation's economy. Third, the church can encourage entrepreneurship among the congregation. Support can be provided through providing co-working spaces in churches or establishing business incubators to help congregation members who want to start their own business. Churches can also facilitate business collaborations between congregations who have complementary skills and interests. Four, churches need to develop strategic partnerships with external parties, such as non-profit organizations, financial institutions, or private companies that have visions and values that are in line with the church. but must be based on the ethical and moral principles taught by religion.

Hilal Abdullah; Agung Brastama Putra; Dhian Satria Yudha Kartika

Jurnal Sistem Informasi dan Ilmu Komputer 2023 International Forum of Researchers and Lecturers

The assessment of information technology governance is a crucial aspect of managing IT resources to align the implementation of information technology with business operations and corporate objectives. At PT Petrokimia Gresik, IT governance assessment is still carried out using conventional methods. Therefore, this research aims to design and develop a Self-Assessment Information Technology Governance System at PT Petrokimia Gresik. This research begins with user interviews and a literature review from various sources such as journals, reference documents, and COBIT 2019 books. The system development is conducted using the SCRUM method to produce a system that meets user requirements. In the SCRUM method, there are four main activities: sprint planning, daily scrum, sprint review, and sprint retrospective. This information system was successfully developed using the Laravel framework, which proved to streamline web application development. The implication of this research is the creation of a Self-Assessment Information Technology Governance System. Based on the results of user acceptance testing, the system produced has been well-received and meets user needs.

Elisa Citra Anggraini; Ahmad Jauhari; Beny Mahyudi Saputra

Jurnal Penelitian Manajemen dan Inovasi Riset 2023 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

In the current era of globalization, the success of a business requires creative ideas from business owners. Companies are required to produce creative ideas to provide value and positive experiences for consumers with the aim of increasing and retaining customers. This research aims to determine the influence of customer value (X1) and customer experience (X2) on repeat purchase decisions (Y) at Warung Lesehan Pak Brodin. Using a quantitative approach, the sampling technique used a non-probability sampling method in the form of accidental sampling of 88 Warung Lesehan Pak Brodin respondents. Data collection techniques include observation, interviews, questionnaires and literature studies, with the help of IBM SPSS version 25. The research results show that the Customer Value variable (X1) has a partial and significant effect on the Repurchase Decision (Y) with t count 4.280 > 1, 98827 and a sig t value of 0.000 < 0.05 and the Customer Experience variable (X2) has a partial and significant effect on the Repurchase Decision (Y) with a calculated t value of 4.640 > 1.98827 and a Sig t value of 0.000 < 0.05. Meanwhile, simultaneously, Customer Value (X1) and Customer Experience (X2) have a positive and significant effect on Repurchase Decisions with an F count of 49.563 > 3.10 and a Sig. F 0.000 < 0.05.

Mursyid Mursyid; Yuliantoharinugroho Yuliantoharinugroho; Wilis Fahlefi; Agung Hartadi; Muhammad Isnaini Fathoni +1 more

Pandawa : Pusat Publikasi Hasil Pengabdian Masyarakat 2023 Asosiasi Riset Ilmu Pendidikan Indonesia

One of the problems faced by MSMEs in Sidorejo hamlet is marketing problems and skills in using technology. MSMEs in Sidorejo hamlet need technology-based business development so they can compete with new online businesses. The purpose of this writing is 1) Identifying the use of marketing media in MSMEs in Sidorejo Hamlet, Ngestiharjo Village. 2) Describe technology-based business development efforts in MSMEs in Sidorejo Hamlet, Ngestiharjo Village through digital marketing training. The method used to identify the use of marketing media is observation and interviews. The methods used in technology-based business development efforts are community education and training methods. Materials in efforts to develop technology-based businesses for MSMEs in Sidorejo Hamlet through digital marketing training include: 1) Cultivating an entrepreneurial spirit and providing inspiration from the success of online businesses, 2) Sharing sessions, 3) Digital marketing training. The identification results show that many MSMEs in Sidorejo Hamlet use simple technology in marketing, which is dominated by WhatsApp and Facebook media. In fact, there are still many MSMEs that run their businesses offline without the help of technology. The evaluation results of digital marketing training activities show that this activity received a positive response, was considered to provide insight and knowledge, and provide inspiration. Almost all business people want to practice this online business in developing their business.

Elisabeth Dethan; Petrus Kefa Loka; Dominggus Umbu Dingu

Sinar Kasih: Jurnal Pendidikan Agama dan Filsafat 2023 Sekolah Tinggi Teologi Injili Arastamar (SETIA) Ngabang

Students' motivation to learn can be seen if the student tries to make an effort diligently to achieve what he wants. A student who has good motivation will get good results too. Learning motivation is like a machine, if there is a driving force then the machine will operate according to what the operator wants. Likewise with motivation, if there is a driving force then there is an effort within a person to carry out certain activities to achieve a goal. However, motivation is not always shared by everyone. In his book, Soemanto defines motivation as a change in energy within a person which is characterized by effective encouragement and reactions in achieving a certain goal.   What is meant by learning motivation is an urge that arises within students to act or carry out an activity or business because of a goal, need or desire that must be satisfied. Looking at some of the explanations above, the author sees that the lack of student motivation in learning is a significant problem because remembering the objectives of learning and the efforts made by the teacher do not bring the results as expected. Thus learning is considered less successful. In this research, the type of research used is classroom action research (PTK). The research location is Elpida Noelbaki Elementary School, which is located at Jalan Sahabat no. 01, Oehau Hamlet, Noelbaki Village, Central Kupang District, Kupang Regency, East Nusa Tenggara Province. The subject of this research is a religious education subject teacher for grade 2 elementary school students. The methods used in the research are interviews and observation. The teacher's treatment at the initial stage of learning has an impact on the growth of students' learning motivation. This is characterized by enthusiasm in following lessons. As many as 88.8% of students showed an enthusiastic attitude in participating in lessons. The teacher's treatment at the initial and final stages of learning has an impact on increasing student learning motivation. This is characterized by enthusiasm in following lessons. As many as 100% of students showed an enthusiastic attitude in participating in the lesson. Based on the implementation of the first to third cycles, it is known that the application of teacher social competencies such as teacher interaction, social skills, sympathetic attitudes and the teacher's adaptability towards students in following lessons will increase student motivation in learning. Students look enthusiastic and enthusiastic in receiving lessons in class.  

Sari, Syandra; Sugiarto, Dedy; Shofiati, Ratna; Ariwibowo, Anung Barlianto; Gunawan, Muhammad Ichsan +4 more

Nusantara: Jurnal Pengabdian kepada Masyarakat 2023 Pusat Riset dan Inovasi Nasional

The Community Service Program (PKM) has successfully conducted a training on Dashboard Development and TikTok Business for the Small and Medium Enterprise (MSMEs) Shofi Group. This training was facilitated by the Informatics Engineering Department of Trisakti University and has received an excellent rating based on feedback from the participants. As part of this training, a visualization dashboard was successfully integrated into the Shofi Group's website, allowing them to monitor sales data more efficiently and effectively. In addition, participants also learned about the use of TikTok Business as a tool for marketing their products. Positive feedback from Shofi Group indicates the significant benefits of this training, in terms of assisting MSMEs to adapt and utilize digital technology in their business development. These results underline the importance of similar programs in supporting SMEs to compete in the digital era. It is hoped that the success of this PKM can lay the foundation for similar initiatives in the future, supporting more MSMEs in leveraging the potential of digital technology.