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In today's modern era, humans have a life with all activities that can never be separated from technological developments. One of the technological developments that is currently popular in Indonesia is Financial Technology. Financial Technology (FINTECH) is the latest innovation in the financial service system which is touched by modern technology which can make it easier for Small and Medium Enterprises).to run their businesses with the help of Fintech. The aim of this research is to determine the application of Fintech to Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua and to determine the advantages and disadvantages of implementing Fintech in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua. This research uses a qualitative research method, which is a research method carried out by means of in-depth interviews in the field, using a phenomenological approach. The data source in this research is primary data obtained directly from Small and Medium Enterprises actors in Sabu Raijua, while secondary data is in the form of interviews, observations and documentation. The research results show that the application of Financial Technology (Fintech) in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua is experiencing positive developments in line with technological advances and changes in user behavior, ease of access, and transaction security are getting better. However, in its implementation there are several obstacles, namely weak internet connections, elderly Small and Medium Enterprises players find it difficult to understand how to use Financial Technology.

This research aims to analyze the application of Income Tax (PPh) on E-Commerce business transactions in Kupang City. This research is a descriptive qualitative research with qualitative research type. The type of data used in this research is qualitative data, while the data sources come from primary data and secondary data. Data analysis was conducted using data analysis techniques based on Miles and Huberman. The results of the research show that the implementation of income tax (PPh) on E-Commerce businesses in the city of Kupang has not gone well because, up to now there is no separation or grouping of E-Commerce taxes and the majority of E-Commerce business actors have not registered their businesses online

This research was conducted at the Smart House of the Fajar Sejahtera Indonesia Foundation (YAFSI) in Amplas Village. The study aimed to determine the efforts of volunteers in developing cultural literacy programs at the Smart House of the Fajar Sejahtera Indonesia Foundation (YAFSI) in Amplas Village, to identify the factors causing the low implementation of the Smart House's work program in developing cultural literacy for elementary school children at the Fajar Sejahtera Indonesia Foundation (YAFSI) in Amplas Village, and to assess the impact and benefits of the Smart House program on children and the community. In conducting this research, the researcher chose qualitative research with a descriptive approach. To obtain data, the researcher used interview, observation, and documentation techniques. Triangulation of sources technique was employed to test the validity of the data. The results of this study showed that: 1). The efforts of volunteers in developing cultural literacy work programs have been well-implemented, such as providing understanding and strengthening of cultural literacy, the availability of adequate literacy facilities, and collaboration with other organizational institutions. 2). There are several factors that cause the low implementation of the work program, including the lack of awareness or concern among children about information development related to cultural literacy, limited facilities such as reading materials, mutual understanding, and low interest and motivation among children. Therefore, the presence of the Smart House program aims to direct children to continue developing various literacy activities, especially cultural literacy. Given this, the YAFSI Smart House volunteers have introduced various positive and creative work programs to advance cultural literacy development, such as traditional dance activities, storytelling, singing, reading, and more. 3). The impact and benefits provided by the YAFSI Smart House program include children becoming character-based peer educators, having high literacy attitudes, and implementing various activities reflecting cultural literacy development. The impact and benefits for the community include the ability to transform the community to advance in building businesses and entrepreneurship based on local potential.

This research aims to determine the use of credit by micro business actors in Atambua City who use loan funds from BNI46 Bank, as well as to find out the reasons why business actors take credit from BNI46 Bank. The data used in this research is primary and secondary data, which is then analyzed using qualitative descriptive methods. The data collection techniques used in this research are: interviews, observations and documents. The object of this research is the use of credit by micro and small businesses in Atambua City, located around the center of Atambua city. These utilization interests are divided into two interests, namely for production and consumption purposes. First, for the purposes of fulfilling and expanding business capital for trading, a means to make business activities smoother and business performance better than before, expanding business and work opportunities. Second, for consumption needs, which includes personal consumption needs such as paying children's school fees, house rental costs, as well as house maintenance costs and daily living costs.      

Along with technological developments, buying and selling transactions are also influenced by technological developments. In the past, buying and selling transactions were carried out in markets, shops, stalls, but nowadays sellers and buyers carry out buying and selling transactions online (e-commerce), one of which is the marketplace. The increasingly consumerist life of society in the era of globalization has resulted in reduced public awareness of the packaged food products they consume. There are problems that often arise regarding the inclusion of net weight. For example, business actors do not include net weight information on packaged food products. This problem is certainly detrimental to the public because they do not know the actual net weight of the food product. The main problems in this research are (1) What is the legal protection for marketplace consumers against packaged food products that do not include net weight? (2) What factors cause packaged food product businesses in the marketplace to not include net weight? This research is empirical juridical research, meaning that analyzing problems is carried out by combining legal materials which are secondary data with primary data obtained in the field. The legal sources and materials used are primary and secondary legal materials. The results of this research indicate that legal protection for marketplace consumers for packaged food products that do not include net weight according to Law Number 8 of 1999 has not been implemented which has different (varied) answers from consumers because some consumers say that there are still business actors who have not know about the rules for including net weight and from the Kupang City Industry and Trade Service itself which has never handled cases regarding business actors selling packaged food products that do not include net weight, in other words there have been no complaints.

The research aims to determine the impact of PT. Bintan Karisma Pratama which is located on Telang Island, Mantang District, Bintan Regency in the Riau Islands Province, on community life in Telang Kecil village with economic and social aspects of community life and how this PT contributes to local or local communities after the compensation assistance provided by PT for the Telang Kecil community, this research uses qualitative methods, namely in the form of interview and observation techniques or field studies, as well as literature studies to support the results of this research. The impact of PT Bintan Karisma Pratama on the environment of the people of Telang Kecil does not have a serious impact because the PT has first assessed the location area where it wants to be established and has followed the rules of the decision-making process regarding business and activity organizers or what is known as AMDAL, the marine environment of Telang Kecil is also categorized. Clean, local people are able to take good care of the marine environment. The majority of their livelihoods are fishermen and others work as workers at Pt  Bintan Karisma Pratama, wives work as housewives and there are also those who work as small traders or small food and beverage businesses.

From 2018–2022, this research will look at the IDX30 index companies listed on the Indonesian stock market to investigate how company size, debt policy, and dividend policy relate to one another, with Return On Assets acting as a moderating variable. Using secondary data culled from annual reports, this study applies quantitative research methodologies. Using a purposive selection technique, fifteen IDX30 businesses were selected as part of the research. The data is examined using moderated regression analysis in particular. This research shows that dividend policy is affected by company size and debt policy. Large corporations may see few changes to their dividend policies as a result of a limited return on assets. Also, return on assets can't mitigate how debt policy impacts dividend policy.

UMKM (Micro, Small and Medium Enterprises) in Indonesia are one of the sector factors that dominate business actors. However, currently UMKM are experiencing challenges in facing digitalization competition in the business sector, in order to survive and develop, business actors must be able to keep up with the times and be able to utilize and apply social media. UMKM Digitalization Assistance aims to help develop businesses that are unable to compete due to the lack of knowledge and experience possessed by business actors. From the assistance provided by the author, Warung Ana was able to develop and slowly expand the scope of its market share through the social media that the author produces.

It is expected that UMKM will become a leading economic sector in order to achieve its building goals. This is due to the fact that UMKM is one of the few businesses that can thrive in challenging economic conditions. Due to this, in order for UMKM to be able to continue, UMKM has to have sound financial management practices. The first is having accurate financial knowledge and the ability to create financial reports that are needed to formulate business strategies that will eventually emerge. The financial performance of East Sudimara Culinary MSME in Ciledug, Tangerang does not reflect a sound financial performance. Training and mentorship outcomes, such as basic accounting and financial report writing, raise MSME actors' knowledge of the value of the information collected.

This research aims to determine the role of financial inclusion in increasing the income of ikat weaving MSMEs in the sub-district, determine the role of financial inclusion in the development of ikat weaving MSMEs in Nita sub-district and find out what factors hinder the management of economic potential and development of ikat-weaving MSMEs in Nita sub-district. The research used is a case study. The research approach used is descriptive qualitative. The data sources used are primary data and secondary data, where data collection uses observation, interview and documentation study techniques. The data analysis techniques used are data reduction, data display, and conclusions. The results of the research show that the economic potential that can be managed and which is most prominent in Nita sub-district is the tourism potential in the form of ikat weaving. Efforts made by ikat weaving businesses to reduce unemployment are by opening employment opportunities for people who have skills in weaving.

The aim of the results of implementing the data analyst capstone project in increasing visitors to Resort Hotels is to analyze the factors causing the decline in the number of visitors to Resort Hotels. The implementation of the data analyst capstone project to increase visitors at the Resort Hotel includes: identifying the main reasons for the decline in visitors, lack of general attraction or effective promotions, fluctuations in visitors every quarter, and imbalance between various visitor segments. Based on the results of the analysis, recommendations are provided to increase the number of visitors, such as re-evaluating the attractiveness of tourist destinations, adapting facilities and services to visitor needs, collaborating with other local businesses or events, and implementing membership or reward programs. Research methods include understanding business and data, data collection, data cleaning, exploratory data analysis, data visualization and making recommendations based on analysis results. It is hoped that the results of this implementation can help Resort Hotel managers in developing strategies to increase the number of visitors.

The intense competition in the business world creates a need for MSMEs to improve their business in order to compete in the market. For example, globalization has made it easy for goods and services to enter the country, resulting in high competition between domestic and foreign businesses. Therefore, in this era, the role of innovation becomes a determining factor in being able to compete in the market. This activity aims to increase the competitiveness of MSMEs in BSD, South Tangerang City based on innovation and creativity in response to the increasingly intense competition in the F&B world. This activity uses a survey method. Based on the survey results, the existing business actors in BSD, South Tangerang City do not have a good business model, do not have innovative menus that are different from other brands, and still do not have a digital marketing strategy. Therefore, a BMC business model, SWOT analysis, AIDA analysis, promotion strategy design, and new menu design were created for business actors to apply. To achieve this, this service activity uses a method consisting of three stages: analysis, presentation, and action. The results of this activity were able to bring about changes to MSME products in BSD, South Tangerang City in the form of opening new branches.

Information technology is very important for business, including accounting information systems. One way businesses use information technology to increase their competitiveness is e-commerce. Additionally, social media helps in implementing online marketing strategies. The aim of this research is to evaluate and analyze the impact of accounting information systems, e-commerce and social media on decisions made by entrepreneurs. This type of research is quantitative and uses an accidental sampling method to produce 230 respondents. This research collects data by distributing questionnaires on the network using Google Form, and data analysis is carried out using the SmartPLS SEM application for quantitative analysis. The conclusion of the t test shows that accounting information systems, e-commerce, and social media have a positive and significant impact on decisions made by entrepreneurs.

Tegal Regency regional regulation Number 2 of 2018 concerning Village-Owned Enterprises is a regional policy in the context of increasing the potential of village resources. The hope is that this regional policy can be a solution for developing village potential, which in Tegal district has a lot of village development potential. As well as increasing the potential of village business capabilities. With Village-owned Enterprises, it is hoped that the business potential in Tegal Regency, which has a large number of small and medium businesses and a high entrepreneurial culture, will certainly be the main requirement if the regional government can seize this opportunity to improve and empower the business world in Tegal Regency to the maximum. This research is a Normative Juridical Research on issues relating to the Job Creation Law and Village-Owned Enterprises policies. This research aims to determine the implementation of Tegal regent's regulation number 2 of 2018 concerning village-owned enterprises as well as solutions to obstacles in its implementation., in This research uses a qualitative data analysis method, namely normative juridical which is presented descriptively. Regent's Regulation number 2 of 2018 created a main strategy, namely Tegal Regency's commitment to improving the ranking of all indicators in investment policy in a better direction, structural improvements for all indicators, implementing ease of doing business for all communities, especially micro, small and medium enterprises through village-owned enterprises.

Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

The development of technology and information has given rise to more and more startup businesses popping up. This is also accompanied by the existence of intellectual property as a startup business asset which is very important to be protected by law. Intellectual property can be in the form of copyrights, patents, trade secrets and trademarks owned by a startup business. This study aims to find out what legal protection for intellectual property will be in startup businesses, as well as the challenges and obstacles that startup businesses will face to protect their intellectual property. This research is normative with a qualitative approach to several startup business actors and legal policy makers who are involved in the legal protection of intellectual property in startup businesses. The results of the study show that legal protection of intellectual property in startup businesses can be done through registration of copyrights, patents, trademarks, and taking legal action against intellectual property violations. However, startup businesses experience problems in terms of costs and time to register intellectual property rights as well as a lack of legal awareness and knowledge of intellectual property protection. Therefore, there is a need for more intensive outreach and education about intellectual property law protection in startup businesses.

This community service program aims to empower productive economic businesses for poor communities in Mranggen District. Through various activities, this program focuses on identifying problems faced by economically disadvantaged community groups. The approach implemented includes training, guidance and mentoring in order to develop entrepreneurial skills, as well as identifying relevant business opportunities in the region. Apart from that, this program also seeks to improve existing business management so that it is more efficient and has a positive impact on increasing family income. With this approach, this community service program aims to make a real contribution to reducing poverty levels and improving the welfare of the community in Mranggen District, as well as encouraging sustainable economic development in the region.

One of the businesses that is affected by changes in times and technology is purun crafts . Based on observations, it shows that the biggest problem with the existence of this business is the inability to access the market in a sustainable manner. On the other hand, there is a limited amount of raw materials taken directly from nature in swamp areas that have been converted into housing, and a limited number of craftsmen. Other problems are related to the availability of skilled labor, product durability and the involvement of creativity in producing the product.

This research is motivated by the fact that Income and Knowledge are among the factors influencing Investment Interest, yet most traders have a relatively stable income from their trading businesses. The objective of this research is to determine and analyze the simultaneous and partial influence of income and knowledge on investment interest in the sharia capital market among wholesale traders in the Aur Market blocks A, B, and C in the city of Bukittinggi. This study is a field research using a descriptive quantitative method. The population in this study consists of 868 traders, and a sample of 90 traders is drawn to serve as respondents using a sampling method. The selection of traders is done randomly in the wholesale area of Aur Market blocks A, B, and C. Based on the data processing and analysis conducted, the result of the simple linear regression equation Y = 11,750 + 0.026 X1 + 0.449 X2 is obtained. It can be stated that Income (X1) has a positive but not significant influence, while Knowledge (X2) has a positive and significant influence on investment interest (Y) among wholesale traders in Aur Market blocks A, B, and C in the city of Bukittinggi. The result of the income value  0,202 <   , meaning  is accepted and is rejected, the knowledge value  5,241 > , meaning  is rejected and  is accepted. Simultaneously, the result of the income and knowledge  15,885 > , meaning  is rejected and is accepted. The coefficient of determination ( ) result is 0.267 or 26.7%, which means that 26.7% of the investment interest is influenced by income and knowledge, while the remaining 73.3% is influenced by other variables not examined in this study. The theoretical independent variables are lifestyle, personality, and promotion.

This study aims to investigate the influence of macroeconomic factors on the performance of the maritime business in the post-COVID-19 pandemic era. Utilizing a literature review approach, this research analyzes the impact of the COVID-19 pandemic on maritime businesses and its relationship with macroeconomic factors. Prior to the pandemic, the maritime business experienced stable growth, driven by macroeconomic growth and increasing international trade. However, the COVID-19 pandemic has transformed the landscape of the maritime industry by causing a decline in trade volume, increased operational costs, and changes in trade patterns. Macroeconomic factors such as economic growth and market demand dynamics also affect the operational conditions and business strategies of shipping companies. The implications of these findings underscore the need for adaptation and innovation in maritime business practices, including investment in technology and infrastructure, as well as international collaboration to address the challenges faced. Future research can deepen understanding of changes in international trade dynamics and identify more effective adaptation strategies for shipping companies in this post-pandemic era. Thus, this study makes a significant contribution to understanding and addressing the challenges faced by the maritime industry in the future.