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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.

The cooperative must manage the amount of working capital in accordance with the requitments of its operations, taking into account the source and use of funds in the working capital. This study aims to determine and analyze the seources and uses of working capital relation with profitability at KSU Lorosae Makassar. This type of research is quantitative descriptive research that describes how the application of the management of the sources and uses of working capital KSU Lorosae Makassar. The focus of this study is to report the financial KSU Lorosae Makassar consisting of the balance sheet and the income statement during the period 2018-2020. Data analysis used is the analysis of the sources and uses of working capital and ratio analysis profitability. The results showed that the management of the sources and uses of working capital KSU Lorosae Makassar for 3 years has increased and is quite effective in generating profits.

This study aims to determine how the financial performance of the Lorosae Makassar Business Cooperative in terms of ratio analysis. Data analysis method used ratio analysis. The data collection methods use are library research, observation, interview and documentation.. The results of this study indicate the analysis of the overall liquidity, solvency and profitability ratios based on processed data shows that the financial performance of the Multipurpose Business Cooperative Lorosae Makassar for the period 2016, 2017 and 2018 has not been optimal or is not well assessed yet based on regulatory standards. The State Minister for Cooperatives.

This research aims to analyze the influence of price, product quality and service quality on purchasing decisions. The population in this study was 400 people. The sample in this study was 80 using the Slovin formula. The sampling method used in this research was accidental sampling. The analysis method used is multiple linear. Hypothesis testing uses a 5% degree of freedom. The results of the reliability and validity tests show that all question items are reliable and the constructs are valid, besides that the regression meets the model fit. Hypothesis testing showed that price (X1) had a significant positive effect on purchasing decisions(Y), so hypothesis 1 was accepted. Product quality(X2) has a significant positive effect on purchasing decisions(Y), so hypothesis 2 is accepted. Service quality(X3) has a significant positive effect on purchasing decisions(Y), so hypothesis 3 is accepted.

Bidang pembangunan infrastruktur kontemporer berada pada titik balik dalam sejarahnya, terjebak di antara tuntutan akan metode pembangunan yang ramah lingkungan dan pencarian inovasi yang tiada henti. Integrasi Geofoam Expanded Polystyrene (EPS) merupakan terobosan struktural yang menjanjikan perubahan revolusioner dalam berbagai aplikasi teknik terkait konstruksi infrastruktur modern. Tujuan dari penelitian ini adalah untuk mengetahui pemanfaatan Geofoam Expanded Polystyrene (EPS) dalam pembangunan infrastruktur modern. Penelitian ini menggunakan metode penelitian kualitatif. Jurnal ilmiah, makalah, buku, laporan penelitian, dan publikasi teknis terkait yang diterbitkan oleh instansi pemerintah, dunia usaha, dan lembaga penelitian merupakan sumber data sekunder yang digunakan dalam penelitian ini. Hasil penelitian menunjukkan bahwa Expanded Polystyrene (EPS) Geofoam merupakan bahan bangunan yang memiliki kualitas berbeda-beda sehingga menjadi pilihan tepat untuk pembangunan infrastruktur masa kini. Bobotnya yang rendah, kekuatan tekan yang tinggi, kualitas isolasi termal yang kuat, stabilitas dimensi yang konstan, ketahanan terhadap kerusakan kimia, beragam penggunaan, kelestarian lingkungan, dan keterjangkauan adalah beberapa atribut utamanya. Penggunaan EPS Geofoam pada berbagai proyek bangunan, seperti dinding penahan tanah, bandara, jalan tol, jembatan dan infrastruktur lainnya telah terbukti memberikan keuntungan besar dalam hal efektivitas biaya, kinerja struktural dan kelestarian lingkungan.

Micro, Small and Medium Enterprises (MSMEs) are an important sector that supports the community's economy. The COVID-19 pandemic has had a negative impact in the form of a significant decrease in income due to restrictions on product marketing. The new normal situation will make people's lifestyles very dependent on the use of information technology. The aim of this community service is to provide assistance and training in improving marketing. The method in this community service is quantitative descriptive by means of mentoring and training. Marketing digitalization support activities will be carried out in three stages: education, mentoring and sustainability assessment. Training will be provided to increase partners' knowledge and understanding of various digital marketing platforms. The results of this activity are expected to expand partners' knowledge and understanding in the field of marketing digitalization. Mentoring activities are carried out to ensure partners are able to apply the technology and training provided. In the end, the outcome that partners as MSME actors want to achieve is an increase in the economic scale of MSMEs

The purpose of this research is to analyze the partial significance of the influence of work motivation, work discipline, organizational commitment, and competence on employee performance in DPKUKM Cilacap Regency. The sample in this study includes the entire population, consisting of 38 employees. The sampling technique used is proportional random sampling. Data analysis is conducted using multiple linear regression. The results of this research is work motivation, organizational commitment, and competence have a significant positive effect on the performance of DPKUKM employees in Cilacap Regency. However, work discipline does not have a significant effect on the performance of DPKUKM employees in Cilacap Regency. The implications of this research suggest that DPKUKM Cilacap Regency needs to enhance employee performance by: 1) increasing work motivation by improving employee compliance with applicable regulations; 2) enhancing organizational commitment by strengthening the sense of family among employees; 3) improving competence by training employees in precision at work. Although work discipline does not significantly influence employee performance, DPKUKM Cilacap can improve punctuality in working hours through stricter monitoring of office entry, break, and departure times.  

Business legality is the main thing that business people need to do when starting a business. With business legality, the business being run can be said to be feasible to operate where legality is a license to run a business given by the authorities. Penjaringansari Culinary Tourism Center is one of the gathering places for business actors engaged in the culinary field who are experiencing problems related to the lack of awareness of the importance of legality in a business. This activity was carried out at the Penjaringansari Culinary Tourism Center which aims to provide education related to making a Business Identification Number and providing assistance in making a Business Identification Number. The method of implementing this activity is divided into three stages, including: the observation and interview stage, the stage of providing education, and the implementation stage. The target of this activity is business actors who do not yet have a Business Identification Number at the Penjaringansari Culinary Tourism Center, namely 13 business actors. The result of this activity is that the desire and awareness in developing the business being run is increasing because it already has a business license that is protected by applicable law.

The rapid development of the tourism sector and the business sector in North Sumatra, one of which is Samosir, is a factor in the increasing demand and needs of local and foreign tourists. This research aims to analyse the business feasibility of Silimalombu Village Ecovillage. This research uses SWOT analysis to analyze the development strategy. Technical data analysis used in this research is by means of interviews, observation and documentation. The method used in this research is descriptive quantitative analysis. To analyse the financial aspects, the Net Present Value, IRR and Gross B/C Ratio methods were used. While to assess other aspects, factors that are considered important in the assessment are used. The result of this research is that Silimalombu Village Ecovillage is feasible to run and develop. After being analysed using investment criteria, the results found are Gross B / C Ratio 1.69> 1, Net Benefit Cost Ratio 2.63> 1 Probitability Ratio> 1, Net Present Value, 1,682.7> IRR 34%, meaning that the Go project is feasible.

The purpose of this study was to analyze the role of extension workers in increasing the production of rice farming in Lalosabila Village, Wawotobi District, Konawe Regency, Southeast Sulawesi. Informants consisted of key informants and supporting informants. Key informants are the main source of information related to the problem being studied. The total number of respondents in this study was 16 people who would be used as samples. The role of agricultural extension workers in increasing the production of rice farming in Lalosabila Village, Wawotobi District, Konawe Regency can be described as follows: The role of extension workers as educators was obtained with an average score of 2.27 (moderate), The role of extension workers as organizers and dynamists obtained an average score of 2.40 (high), The role of extension workers as motivators obtained an average score of 2.81 (high), The role of extension workers as facilitators obtained an average score of 2.65 (high).

This research aims to analyze what factors influence lowland rice production in Boronubaen Village, North Biboki District, North Central Timor Regency and to analyze the efficiency value of lowland rice production in Boronubaen Village, North Biboki District, North Central Timor Regency. The research and sampling method in this research is purposive sampling. This research will be carried out in Boronubaen Village, North Biboki District, North Central Timor Regency from June until the end of 2022. The number of samples taken in this research is 73 farmers in farmer groups. The research results show that the factors that influence lowland rice production are seeds, Klensec, Ben Subur and Urea, while land area, NPK, labor have no effect on lowland rice production in Boronobaen Village, North Biboki District, TTU Regency and that the efficiency value in the research This is 0.95, meaning that technically rice farming in Boronobaen Village is efficient

This research aimed to analyze the competitive advantage strategy applied by Mrs. Mersi as a sewing business actor and the strategies carried out based on the SWOT analysis approach in Mrs. Mersi’s home tailoring business in Habi Village. This research data was obtained from interviews, observations, distributing questionnaires, and documentation. The findings of this research indicated that the Competitive Advantage Strategy applied by Mrs. Mersi consisted of low sewing rates, diverse products produced, and the ability to meet customer needs following the budget. Meanwhile, based on the SWOT analysis, the value (X,Y) = (0,3, -0,4). So Mrs. Mersi’s sewing business was included in quadrant II (Positive, Negative) which included a Diversification Strategy. Thus the strategy that needs to be pursued by Mrs. Mersi is to expand the sewing room or make a special room for sewing, improve more modern / sophisticated equipment, and do promotions.

As the years progress in Indonesia, the price and production of chilies tends to fluctuate. This is due to an increase in input costs or production facilities which increase every year, causing price factors for farmers and consumers to tend to change. This literature review analysis aims to determine: (1) factors that significantly influence chili price fluctuations; (2) the influence of production efficiency on the productivity of chili farmers; (3) the influence of marketing channels involved in red chili farming on price fluctuations. The method used is descriptive analysis method with literature study. The results of the literature show that factors that significantly influence price fluctuations are production costs, production facilities, selling price factors, weather factors, use of technology, length of the supply chain where the longer the marketing channel, the higher the price received by final consumers while prices at the farmer level do not experience increase, as well as the availability of red chilies on the market, where if the availability of red chilies is abundant on the market it will cause a decrease in prices at the farmer and consumer level. The results of literature observations show that these three topics are mutually sustainable. So there is an opportunity for further research related to the three subjects for more accurate measurements based on findings in the field.

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.

Apotek merupakan salah satu fasilitas kesehatan yang bertanggungjawab atas pemenuhan kebutuhan obat-obatan di masyarakat. Pasca pandemi covid-19 penurunan layanan dirasakan oleh seluruh apotek, sehingga banyak unit usaha apotek yang saat ini tidak hanya memberikan pelayanan di bidang obat-obatan. Beberapa apotek kini menyediakan perlengkapan kesehatan, produk kecantikan, dan praktik dokter spesialis. Salah satunya adalah apotek Sugih Waras yang berlokasi di Kabupaten Mojokerto, Jawa Timur. Namun masalah utama yang dihadapi oleh apotek Sugih Waras saat ini menitik beratkan pada penggunaan teknologi yang masih kurang untuk pengelolaan di berbagai lini aktivitasnya. Penelitian ini akan membahas tentang ruang kosong yang dapat dimanfaatkan oleh apotek Sugih Waras dan mengisinya dengan teknologi e-commerce untuk memperkuat posisi di pasar. Metode yang digunakan adalah kualitatif dengan pendekatan studi kasus. Alat yang digunakan yakni analisis SWOT dengan penilaian Internal Factor Analysis Strategic (IFAS) dan Eksternal Factor Analysis Strategic (EFAS). Hasil dari penelitian ini menunjukkan bahwa ruang yang paling tepat dalam penggunaan e-commerce adalah dalam kegiatan promosi dan pengelolaan manajemen apotek

It is necessary to know the strategy for developing the copra agroindustry in Mamala Village. Sampling was carried out using the purposive sampling method. The analysis tool us is the SWOT matrix. The results of the research show that the strategy used is to locate the copra industry close to the farmers' location so that there is cooperation between the industry and local farmers and it makes it easier for farmers to sell coconuts to the industry because the distance is quite close. The copra quality is good so it creates demand. there is always copra on the market, the availability of capital to buy coconut raw materials so that there is always coconut raw material to be produced into copra, the industry has a skilled workforce so that the potential for long-term copra products is quite good, even though the equipment technology for processing copra is still simple does not affect the long-term potential of copra products, having a small number of workers does not hinder the copra production process so that there is always a demand for copra in the market, the influence of uncertain market prices does not affect the good quality of copra, the existence of climate change on copra production is minimized because the availability of skilled workers in processing copra, having a small number of workers does not affect market access in selling copra products.

Business Innovation and Digital Marketing Literacy is important knowledge to improve business development and how to utilize digital marketing among society now and in the future. Good literacy knowledge of business innovation and digital marketing makes people who want to or have even entered the business world able to plan, manage and develop their business. Entrepreneurship is one way that can be done by various groups of people to gain social status in society, improve the community's economy and for investment in the future. The aim of this service is to improve the mindset of good, organized, innovative business development and more contemporary marketing, especially for MSMEs in the Cilacap Regency area. As a result of this activity, it is hoped that the public will gain knowledge regarding how to innovate business development and attractive digital marketing.

This research aims to determine the level of financial health of Rural Credit Business Entities (BUKP) in Sleman Regency. As well as to find out what obstacles and barriers exist in Rural Credit Business Entities (BUKP) in Sleman Regency. This research applies descriptive qualitative research methods, where the source of research data comes from the Regional Secretariat of Sleman Regency. Data sources used in this research include primary data and secondary data. Research data includes the results of interviews, observations and document reviews, as well as information from previous researchers which is used as a theoretical reference. The results of this research show efforts to increase the health level of BUKP in 17 sub-districts in Sleman Regency. Through calculations carried out on the aspects of NPL, LDR, RTA, RTE, NIM, BOPO and CAR, results can be found on the level of financial health of Rural Credit Enterprises (BUKP) in 17 sub-districts in Sleman Regency. In particular, for academics who study the criteria for assessing the level of financial health of BUKP, it is hoped that this research can serve as a comparison and at the same time a reference in exploring this problem. The agencies that host research may vary, but the basis and framework of this research can help researchers who wish to conduct similar research to explore various issues related to the criteria for assessing the level of financial health of BUKP.

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

The success of small and medium-sized enterprises (SMEs) in facing increasingly fierce market competition is highly dependent on product innovation. This study aims to find the types of product innovation applied and used by SMEs, analyze how product innovation affects the success of SMEs, and find factors that support and hinder the implementation of product innovation. This research method uses qualitative with data collection techniques through observation and interviews. The results showed that product innovation includes creating new products, improving product quality, product diversification and several factors through the 4Ps support innovation such as product, price, place, and promotion.