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MSMEs (Micro, Small, and Medium Enterprises) are one of the important economic pillars in driving local economic growth in various cities in Indonesia. However, MSMEs often face significant challenges, especially related to financial and labor risk management. This study aims to analyze financial and labor risk management at Mbak Yummi Chicken Noodle MSMEs in Medan City. In this study, a descriptive qualitative approach with interviews was used to collect data from business owners and employees. The analysis was conducted with a focus on financial risk management strategies, such as product and service diversification, creative promotion, cash flow management, and access to capital, and labor risk management strategies, including employee cost management, employee development and retention, and effective performance management. The results show that Mbak Yummi Chicken Noodle MSMEs have implemented various strategies to effectively manage financial and labor risks. Product and service diversification, creative promotions, and utilization of online delivery and ordering services help reduce financial risks and maintain revenue stability. Meanwhile, efficient management of employee costs, employee development, and effective performance management help manage labor risks, improve productivity, and maintain service quality. This research shows that effective financial and labor risk management plays an important role in the operational success of Mbak Yummi Chicken Noodle MSMEs.

The aim of carrying out this research is to find out the implementation of the Sharia productive financing program in increasing income at PT Pemodalan Nasional Madani Syariah Pujon. The type of research used in this research is field research (Field Research). This research approach is descriptive analysis. This research aims to determine the impact of the Sharia productive financing program on increasing the income of women's MSMEs in Pujon. In preparing this research, the author clarified the data sources into 2 types, namely: 1) Primary data; 2) Secondary Data. Data collection techniques in this research were obtained through the following methods and stages: 1) interviews; 2) Observation and 3) documentation. The results of this research are the productive financing application mechanism at PT Permodalan Nasional Madani, namely that prospective customers submit applications by bringing initial documents and filling in the financing application form. Customers who take out or carry out productive financing with PT Permodalan Nasional Madani as a business need, the micro-business runs by the customer experiences an increase in income. So that with this financing, the business run by the customer can develop and increase the customer's income. By increasing the stock of goods or equipment in the business run by the customer, the business also experiences progress in terms of income, production and performance

In the current era of digitalization and globalization, innovation strategies are very important to build MSMEs to improve performance and competitiveness. The aim of this research is to understand the impact of innovation strategies on the use of information technology in the Micro, Small and Medium Enterprises (MSME) sector in Indonesia. This research applies a qualitative approach to analyze data from various relevant literature, such as books and scientific journals, to understand how innovation strategies can encourage the adoption of information technology and how this technology contributes to improving the performance of MSMEs. This research shows that the synergy between innovation strategies and the use of information technology is very useful for improving the performance and competitiveness of MSMEs. By using innovation strategies and utilizing information technology effectively, MSMEs can overcome various business challenges and take advantage of market opportunities to achieve sustainable growth and long-term success. The results of this research provide a significant contribution to understanding and practice in the MSME industry.

The improvement of micro, small and medium enterprises (MSMEs) plays a significant role in driving the local economy. One of the crucial steps in developing MSMEs is through coaching and mentoring in the licensing process, including the creation of a Business Identification Number (NIB). This study aims to examine the coaching and mentoring conducted by students in making NIBs to advance soybean juice MSMEs in Sidoarjo. This research was conducted using qualitative methods through observations and interviews with Ms. Diah as the owner of the soybean juice business in Gading Fajar Sidoarjo.  The results showed that the involvement of students in coaching and mentoring NIB can have a positive impact by increasing the awareness and ability of MSME owners in taking care of their business licenses.

This research examines Baitut Tamwil Muhammadiyah (BTM) Taqwa in improving sharia microeconomics in Singkut sub-district, Sarolangun district, Jambi province. The aim of the research is to find out the strategic role of BTM Taqwa in improving sharia microeconomics. Apart from that, to find out the supporting and inhibiting factors experienced by BTM taqwa. This type of research is qualitative using a managerial and sharia economic approach; the research paradigm is direct involvement and intense interaction with informants; data sources are empirical data obtained in the field through the Founding Board, Management, Members and customers of BTM Taqwa as well as the regional government of Singkut sub-district, Sarolangun district, Jambi province (primary sources) and documents and books related to research (secondary data); The instruments for this research are observation, interviews and documentation and the data collection tools are observation guides, interview guides and documentary study guides; data collection stages include preparation, implementation and preparation; and the validity testing techniques used are credibility and compatibility. The results of this research show that BTM Taqwa plays a role in improving sharia microeconomics in Singkut sub-district, Sarolangun Regency, Jambi Province. The role played by BTM Taqwa is the role of empowering human resources and an entrepreneurial spirit, the role of improving microeconomic welfare, and the role of distancing people from the practice of usury. The results of this research also show that the supporting factors for BTM Taqwa's success in micro economics internally are strategic location, commitment of the board of trustees, management and members, and high participation in member savings, while externally there is high demand from micro business actors for BTM Taqwa, ease of obtaining business capital assistance received by micro business actors, and government support. The inhibiting factors experienced by BTM taqwa internally are BTM taqwa's lack of human resources, lack of financial capital and technology, while externally there are many customers who are lazy about making savings capital payments.

The management assistance Micro, Small, and Medium Enterprises (MSMEs) based on group mentoring has proven effective in enhancing the performance and sustainability of MSMEs. This study aims to analyze the impact of the group mentoring program on Bakpia Tunas Ngrombo MSMEs. The method used is a qualitative approach with data collection techniques through in-depth interviews, participatory observation, and documentation. The results show that group mentoring can improve managerial capacity, market access, and digital literacy of MSME actors. Additionally, this mentoring program can also enhance product competitiveness and expand the business network of Bakpia Tunas Ngrombo MSMEs.

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.

This study aims to investigate the role of Islamic microfinance in empowering and improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in Gunung Kidul, Yogyakarta. Islamic microfinance has become a major focus in efforts to support inclusive and sustainable economic growth, especially in the context of MSMEs in Indonesia. The research framework includes independent variables in the form of Islamic microfinance, mediating variables in the form of MSME empowerment, dependent variables in the form of MSME performance, and moderating variables involving external factors. The research method used is a cross-sectional survey with primary data collection through questionnaires. Data analysis was carried out using multiple regression techniques to test the relationship between variables and the moderating effect. The results of the study are expected to provide a deeper understanding of the impact of Islamic microfinance on MSME empowerment and performance, as well as its implications for the development of policies and business practices at the local level. The findings of this study are expected to provide a significant contribution to efforts to increase financial inclusion and sustainable economic growth in the Gunung Kidul area, Yogyakarta, and become a reference for further research in this field.

The entrepreneurial world has entered the digital era, prompting MSMEs to embrace the digital realm. With 37 million female entrepreneurs in Indonesia, most of whom operate micro-businesses, there is a pressing need for special attention to be given to digital literacy and skills. This is crucial for enhancing business performance by leveraging their potential through digital skills and knowledge. This has been evidenced by research involving 72 female entrepreneurs who own MSMEs in Purbalingga Regency. The study utilized a quantitative approach with Regression Analysis tested using SPSS 25.0. The results indicate that digital skills and literacy significantly influence the performance of MSMEs, highlighting the importance of efforts to enhance digitalization skills and knowledge among female entrepreneurs in Purbalingga.

Digitalization is very important for Micro, Small and Medium Enterprises (MSMEs). The aim of this MSME digitalization activity is to help MSMEs be able to market their products by helping to market and sell local blacksmith products in Lembang Buntu Tangti with the help of the Canva application. Apart from that, by taking advantage of technological advances in society, especially for MSME players. This activity is carried out in 8 stages: (1) Identifying needs, determining goals, (2) Explanation of the benefits of creating an Instagram account (3) Training on creating Instagram accounts (4) Training on creating Canva (5). Making Promotional Materials 6 Practices and Feedback (7) Monitoring and Evaluation (8) Documentation. The method used in implementing this community service program regarding digitalization of MSMEs is in the form of socialization and assistance to MSMEs. Based on the survey results, it is known that MSME players have started to utilize digital technology to develop their business so that they can adapt to the current pandemic conditions

Micro, Small, and Medium Enterprises play a vital role in the Indonesian economy, but often face challenges in adopting digital technology. This community service aims to analyze the impact of implementing a digital menu as a tool for empowering Micro, Small, and Medium Enterprises, especially in the culinary sector. Digital menus are identified as innovations that not only facilitate business management but also improve customer experience through faster and more accurate access to information. This study uses a qualitative approach with an interview method on several Micro, Small, and Medium Enterprises in SWK Semolowaru, Surabaya. The results of community service that have been carried out are known that the use of digital menus significantly increases operational efficiency, reduces printing costs, and expands market reach through integration with digital platforms. the main challenges faced are limited human resources in mastering technology and the need for ongoing training. Therefore, support from the local government and related parties is needed to provide comprehensive training programs to improve the digital competence of Micro, Small, and Medium Enterprises. Empowering Micro, Small, and Medium Enterprises through digital menus has great potential to increase competitiveness in the digital era, thereby encouraging inclusive economic growth.

Tourism deposits have great potential in prospering the surrounding community and improving the economy. The ability and awareness of the community in managing the tourism potential that exists around is certainly very petrified for the economic life of local residents. The purpose of this research is to find out how Human Resources affect business sustainability. This study uses a quantitative approach with the population of this study is all Batik Micro, Small and Medium Enterprises (MSMEs) in the Krebet Tourism Village Area, Bantul Regency. Simplified sampling techniques. This technique is carried out by selecting samples freely according to the ease and access to data. The results of the study showed that the increase in knowledge did not have a significant effect on the business sustainability variable. Meanwhile, other variables such as HR Skills and Abilities have a significant impact on the business sustainability variable. the Adjusted R Square value is 0.764 or 76.4%. This shows that the improvement of knowledge, skills and abilities of human resources towards business sustainability is 76.4% while the remaining 23.6% is explained by other variables outside the model.

The Community Service (PKM) carried out by the author aims to train the community's abilities (especially MSEs) in making presto tilapia, increase innovation and diversification of presto processed foods and increase MSEs' income through diversity of production results. The method used is to provide education and practice to Uyung Sehati MSEs and Antakusuma University students. Education provided about Presto Tilapia Making as an Alternative to Increase the Selling Price of Quality Grade B Fish at Uyung Sehati UMK. Meanwhile, practice is making Nila Presto directly. This activity will be held on September 7 2023 starting at 08.00 WIB until finished. Location of activities at Micro and Small Enterprises (UMK) Uyung Sehati Jl. Swadaya RT.001 Sungai Kapitan Village, Kumai District, West Kotawaringin Regency. The results of the PKM show that the community and/or micro business actors have been able to make presto tilapia but still need assistance. Apart from that, the results of presto tilapia fish can be diversified into various flavors such as savory taste, white flesh color, soft texture with all parts edible, and a distinctive fish smell.

This study aims to examine the impact of digitalization on technological innovation in Micro, Small, and Medium Enterprises (MSMEs) through a qualitative literature review approach. In the era of digital transformation, MSMEs face various opportunities and challenges. Digitalization has the potential to enhance MSMEs' competitiveness by accelerating product, service, and business process innovation, but it also requires them to overcome limitations such as limited technological skills and financial constraints. By analyzing previous studies using the bivariate probit model, this study finds that digital technology adoption is positively correlated with increased innovation in MSMEs. Digitalization has been shown to expand market access, improve operational efficiency, and strengthen MSMEs' adaptability to changes in the business environment. However, internal and external barriers, such as low digital literacy and limited funding access, remain significant obstacles. This study emphasizes the importance of support from the government and related institutions in providing training and funding access so that MSMEs can fully leverage digitalization for sustainable innovation.

SMES (Micro, Small and Medium Enterprises) often face significant challenges, especially related to financial and workforce risk management. This research aims to analyze Lela Florist's financial risk management. In this research, a descriptive qualitative approach with interviews was used to collect data from business owners and female employees. The analysis is carried out with a focus on financial risk management strategies, such as product and service diversification, creative promotions, cash flow management, separation of company assets and access to capital. Lela Florist has implemented various strategies to manage financial risks effectively. Diversification of products and services, creative promotions, and utilization of online delivery and ordering services help reduce financial risks and maintain revenue stability. Meanwhile, efficient management of employee costs, employee development and effective performance management increases productivity and maintains service quality. This research shows that Lela Florist's financial risk management has effectively played an important role in the operational success of SMES.  

This research aims to examine the management of micro business assistance at the national zakat institution (LAZNAS) Dārut Tauhīd, Jambi province, and what inhibiting and supporting factors are faced by mentors and micro business beneficiaries, as well as what efforts have been carried out by the Darut Amil Zakat institution Monotheism in mentoring. The use of this research is to provide an evaluation of the program that has been carried out so far by the national amil zakat institution (LAZNAS) Dārut Tauhīd caring for Jambi as well as as input and suggestions so that the implementation of assistance in the future will be even better. This research is qualitative research with a method using a descriptive approach, where data is collected using interview, observation and documentation techniques

This study aims to analyze the challenges and development strategies of micro, small, and medium enterprises (MSMEs) located in low-income areas in Indonesia. MSMEs play an important role in the Indonesian economy, but in areas with low income levels, MSMEs face various constraints, such as difficulties in accessing adequate capital, technology, and management skills. To conduct this study, the researchers used a qualitative approach by collecting data from various sources of relevant scientific literature. The results showed that MSMEs in low-income settings face several key constraints, including difficulty accessing formal sources of financing, limited use of information technology, and low implementation of good business management practices, such as in marketing and financial record-keeping. To be able to develop MSMEs in low-income environments, comprehensive efforts are needed, such as facilitating MSME access to official funding sources, providing training and assistance in the use of information technology, and improving MSME skills in implementing good business management practices. In addition, the availability of skilled human resources, as well as innovation and creativity are also important factors in supporting the growth of MSMEs in low-income areas. By paying attention to these various aspects, it is expected that the development of MSMEs in low-income environments can run effectively and provide optimal benefits to the regional and national economy, through collaboration and synergy between MSMEs, government, financial institutions, and other stakeholders.    

The current global phenomenon shows a rapid increase in the adoption of digital technology, which has changed various aspects of life, including the micro, small and medium enterprises (MSMEs) sector. This study aims to examine effective digital marketing strategies to improve MSME performance in supporting the Sustainable Development Goals (SDGs) Program. The novelty of this research lies in a holistic approach that integrates various aspects of digital marketing, in the context of SDGs implementation. The urgency of this research is driven by the urgent need for MSMEs to remain competitive and relevant in the digital era, as well as the crucial role in the national economy and the achievement of SDGs goals. The method used in this study is Systematic Literature Review (SLR) by collecting relevant previous research through publish or perish Then analyze the article and crucify related to keywords. The results show that the use of appropriate digital marketing can help MSMEs contribute more effectively to the achievement of SDGs, especially in terms of poverty alleviation, job creation, and inclusive economic growth. The implications of this research emphasize the importance of policy support and continuous training for MSMEs in utilizing digital technology, as well as collaboration between the public and private sectors to accelerate the digital transformation of MSMEs.

This study explores the implementation of the process of obtaining the Business Identification Number (NIB) and halal certification for the Micro, Small, and Medium Enterprises (MSMEs) of Rujak Kikil Ibu Sulfaillah, serving as a case study in the culinary sector. The process of obtaining NIB and halal certification is crucial in ensuring compliance with prevailing regulations and standards, as well as unlocking opportunities for business development in an increasingly competitive market. Through a qualitative approach using direct observation and interviews, this study uncovers the challenges, obstacles, and impacts of the licensing and halal certification process on these MSMEs. Findings reveal that the slow licensing process can hinder business expansion, reduce competitiveness in the market, and limit access to certain market segments. Implications of these findings are discussed to identify necessary strategies to address these negative impacts and ensure the growth and sustainability of the business of Rujak Kikil Ibu Sulfaillah MSMEs.

Digital transformation has become an important paradigm shift in the management of office documents and information in the modern era. This article discusses the application of the latest technology in the management of office documents and information, specifically in the company PT Victory Prima Abadi. Through this case study, we will see how the company explores the potential of digital technology to improve efficiency and productivity in their operations. By integrating various technology solutions such as financial program applications, a digital attendance system, and the use of Microsoft Excel for document management, the company has made strides towards more efficient document management. However, challenges remain, especially in dealing with the aspect of archive storage that still relies on manual methods. This article aims to explore the company's efforts in utilizing analytics and artificial intelligence technologies to improve efficiency in the archive shrinkage process and identification of documents that require long-term storage. The results show that the utilization of digital technology in document and office information management has had a significant positive impact and has become a key element in the company's strategy to achieve future operational success. By continuing to develop and implement appropriate technology solutions, companies can further optimize document and information management and prepare for the challenges and opportunities of an increasingly connected and rapidly changing business world.