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This research aims to analyze the application of the Altman Z-Score method and the Springate method to predict financial distress at PT Kediri Tani Sejahtera and aims to analyze the comparison of financial distress from the Altman Z-Score and Springate methods before and during the Covid-19 pandemic for the 2018-2022 period. The type of this research is quantitative descriptive research, using the Altman Z-Score and Springate methods. The results of the research show that the Springate model is a reliable model for anticipating possible financial difficulties in businesses based on the two models that have been studied, while the Altman Z-Score model shows that corporations are in a gray state or experienced some minor financial difficulties during 2018-2022.

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.

Micro, small and medium enterprises (MSMEs) are productive business units that can stand alone and are carried out by individuals or business entities in all economic sectors that have been able to survive amid the economic crisis that has hit since 1997 and have even become a lifeline for the country's economic recovery. In the city of Pekalongan, cooperatives can play an important role in community businesses, such as MSMEs. This is an effort to overcome poverty in society. This research uses a descriptive qualitative approach. The data used in this research is primary and secondary data. Primary data was obtained from interviews with MSMEs in Pekalongan City and secondary data was obtained from various sources, namely from the Central Statistics Agency (BPS), the Financial Services Authority (OJK), journals and articles relevant to research. Sharia cooperatives have products and mechanisms that are based on the Koran and the hadith of the Prophet. In its implementation, the cooperative system is able to provide loans that are far from the interest element which is clearly prohibited by the Shari'a. Cooperatives have various contracts that can guarantee the smooth transaction process for MSMEs that need funds or MSMEs who want to save their funds. From these interviews, the role of cooperatives in terms of MSME capital has great potential. Cooperatives can be a driving force in the growth of the real sector, especially MSMEs. With the presence of cooperatives, it helps the community, especially MSMEs, in realizing and developing their business. Apart from that, cooperative activities do not contain elements of usury, gharar and maysir.    

Community Service is a lecturer's obligation which must be carried out as an implementation and recognition of the Tridharma of Higher Education, and is a lecturer's concern for environmental sustainability and the existence of community life. One form of concern from researchers which focuses on the community economic sector is still being carried out in order to play a role in the development of the nation's economy. The methodological approach used by researchers is to provide counseling and assistance to micro, small and medium business actors in managing their businesses with marketing strategies to increase profitability in their businesses. Micro, Small and Medium Enterprises (MSMEs) are one of the economic implementers that give color to Indonesia. The number of MSMEs is increasing every year and has absorbed a lot of workers. The existence of MSMEs is part of human life activities to meet their daily needs as well as their existence in the era of economic globalization and the ability to survive in the face of the economic crisis and during the Covid-19 pandemic. Marketing also requires a strategy that will later be able to win a battle. Because he considers that there are many opponents in the market field who have similarities in their business and should not be turned off. As in the Pancasila economic system, fellow market players should have a sense of mutual care from large entrepreneurs towards smaller entrepreneurs. Therefore, it is necessary to have a Grand Strategy and a Core Strategy or what is called a Core Strategy. (Buchari, 2018) Almost every month MSMEs in the Jember Lor area continue to increase, more people choose business as a way to gain financial income for the family. However, MSME business is still carried out conventionally without any thought for the development of the business. As explained above, assistance is needed for MSME business actors who are willing to become respondents to gain knowledge about marketing strategies in order to increase profits and ensure that their business can survive and develop.

Community Service carried out in this activity is a special form of community service activity that prioritizes three principles, namely education or teaching, research and community service. Implementation of Incidental Service Activities in 2023 with the theme "Innovation and Digitalization of MSMEs Towards an Independent Society in Accordance with Legal Aspects of Business" implementation of activities in Sukaratu Village for 1 day, namely 10 September 2023. In accordance with legal functions (social control and social engineering), there are various problems in discussions that need to be given a legal umbrella. The primary function of law is to protect people from dangers and actions that can harm and suffer the lives of other people. By looking at the problems regarding MSMEs in Sukaratu Village, we provide solutions to overcome these problems so that MSMEs can develop their businesses more advanced and more modern. The solution offered was to provide information related to business aspects for MSME actors in Sukaratu village, and this solution was also very enthusiastically accepted by MSME actors in this service activity.

The basic knowledge and strategies of microenterprise actors are important to help them manage and develop their businesses more effectively. The following section presents basic knowledge and strategies that may be useful for microentrepreneurs. Knowledge of the concepts, characteristics and challenges facing microenterprises, including resource constraints, access to capital and scale of operations. Understanding the local market, competitors, consumer trends and purchasing behavior can help determine the right marketing strategy. Basic issues of financial management, Hopefully, SWOT analysis can help business stakeholders reassess the internal and external factors of the business.

Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.

The development of the potential of MSMEs in Indonesia cannot be separated from banking support in distributing financing to MSME players. The role of BPR in developing community businesses, especially MSMEs, is to participate in providing financing to the community to develop their businesses. The aim of this research is to determine the effect of providing micro credit on the development of MSME customers of BPR TLM Kas Naikoten and to determine the difference in customer income before and after receiving credit. The research methodology used is a quantitative approach. The sample used was BPR TLM Kas Naikoten Micro Credit Customers from 2021 to 2022, totaling 79 respondents. The data analysis used in this research is simple linear regression analysis and comparison tests, with the help of SPSS version 24. The results of the research conducted show that the provision of microcredit has a significant effect on the development of MSME customers of PT. BPR TLM Cash Naikoten. The development of the Customer's business occurs in increasing business capital, increasing sales turnover, increasing income, expanding the business and increasing the workforce. And there is a significant difference in the income level of PT customers. BPR TLM Kas Naikoten before and after receiving microcredit. The average income of customers after receiving BPR TLM Kas Naikoten micro credit has increased, where the average income before receiving micro credit is IDR 2,912,063.29 and after receiving micro credit is IDR 3,589,506.33.    

Monopolistic competition is a profound issue in civil law and has the potential to threaten the business ecosystem and consumer rights. This journal aims to investigate efforts to control monopolistic competition through a civil law perspective, with an emphasis on the protection of consumers and small entrepreneurs. The study utilizes an analytical and comparative law approach to identify the applicable legal framework in various jurisdictions, focusing on recent cases involving monopolistic competition. The findings of this study show that civil law has a significant role to play in the control of monopolistic competition by protecting consumer rights and regulating business practices that may hinder competition. The research also highlights the challenges faced in applying civil law in monopolistic competition cases and striking the right balance between consumer protection, small entrepreneurs, and economic sustainability. Legislative and judicial efforts undertaken by various countries are also analyzed to assess the effectiveness of monopoly competition control in supporting a fair and competitive economy. The results of this study provide a deeper understanding of the role of civil law in the control of monopolistic competition and its implications for the protection of consumers and small businesses. The practical implication of this research is the importance of strict supervision of monopolistic practices, strong consumer protection policies, and cooperation between various related parties to maintain a healthy business ecosystem.

Micro, Small and Medium Enterprises (MSMEs) are productive businesses owned by individuals or business entities that meet the criteria for being a micro enterprise. In doing business, the goods sold must have consistency and quality that is in accordance with what is advertised. Assuming that his character is good, buyers will make repeat purchases more often at Minas Syukur Kambang. The quality of the products at Minas Syukur Kambang is good but the quality of service is still lacking because there are still many miscommunications. The menu variations are also good with various variations with different flavors, but sales results fluctuate even though if all the product indicators had been implemented, it could have encouraged consumer interest in buying the product, thereby increasing sales results. The research aims to determine the influence of product quality, service quality, menu variations on consumer satisfaction in the Minas Syukur Kambang UMKM. The research method uses a quantitative descriptive sample taken as many as 95 respondents using a simple random sampling technique, namely a random sampling technique, namely a sampling technique where all individuals in the population, either individually or together, are given the same opportunity to be selected as sample members. The results of this research state that product quality has a positive effect and service quality does not have a positive effect on consumer satisfaction. Meanwhile, menu variations have a positive effect on consumer satisfaction. Based on data analysis in this research, these variables are valid and reliable. In testing the classical assumptions, this research has a normal distribution, heteroscedasticity and multicollinearity do not occur.

MSMEs are trading businesses managed by business entities or individuals which refer to productive economic businesses in accordance with the criteria stipulated by Law Number 20 of 2008. One of the MSMEs in the Kalumpang Village area is the Rice Chips MSME which is located at Kp Kedung Bulus, Kalumpang Village Padarincang District, Serang Regency, which is a community business in the village. So far, the marketing process for this product is still carried out traditionally, so that sales results are not optimal and the reach of promotion is limited because promotion is still carried out by word of mouth. Therefore, we as students with this community service activity contribute to designing applications and utilizing e-commerce through creating applications or websites as promotional and sales media for Rice Chips products so that we can increase sales and expand market share.

The development of the business world is currently experiencing quite high development, not only in the manufacturing industry but many are entering the world of service markets, by presenting similar or even the same service products, thus making service businesses compete to provide service quality and satisfaction in order to gain customer loyalty. . This study aims to analyze the effect of service quality on customer loyalty through customer satisfaction as a mediating variable. Samples were taken using a non-probability sampling technique with a purposive sampling technique with the criteria of consumers who had ordered more than 3 times which resulted in a sample of 90 people, the method of data collection was through distributing google form questionnaires with a Likert scale of 1-5 as a measuring tool. Data analysis techniques in this study used simple linear analysis and partial regression test (t test). Data processing was carried out using the SPSS 25 program. The results of this study indicated that service quality had a significant effect on customer loyalty, service quality had a significant effect on customer satisfaction, customer satisfaction had a significant effect on customer loyalty, and customer satisfaction was proven to mediate the effect of service quality on consumer loyalty.

The banking industry is one of the businesses that relies on trust which is the main foundation of banking activities, namely confidence from the public as a Islamic banking service user, grows well for an Islamic banking can be seen from the financial performance itself. Today’s liquidity is very important for Islamic banks in carrying out activities, whether to overcome urgent needs, meet customer demand to financing, providing flexibility in achieving interesting and profitable investment opportunities so as not to inhibit sharia banking itself. In this study aims to determine the Effect of Third Party Fund (Dpk), Return On Asset (Roa), And Capital Adequacy Ratio (Car) On Liquidity (Fdr) At the Sharia Bank of General Sharia Year 2017-2022. This study used the type of Quantitative Research using secondary data acquired from the official www.ojk.go.id This study was carried out using a multiple linear regression analysis method that has the results of the study that Third Party Fund negatively affects Financing Deposit Ratio which is evidenced with -thitung> ttabel (-2,605> 1.720). The Return On Asset did not significantly affect Financing Deposit Ratio which was evidenced by thitung <ttabel (1.487 <1.720). Capital Adequacy Ratio has no significant effect to Financing Deposit Ratio which is evidenced by -thitung <ttabel (-1,315 <1.720). As well as Third Party Funds, Return On Asset, Capital Adequacy Ratio Has a simultaneous effect on Financing Deposit Ratio which is evidenced by Fstatistik <0.05 (0.000 <0.05) and Fhitung Ftabel (16.647> 39). With an effect of 0.714 or 71% on FDR at Bank Syariah Public and the remaining 29% are influenced by other variables not included in this study.

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.

This research is about the design and development of interactive multimedia to introduce types of businesses and economic activities. This research is motivated by the problem of learning media which at the moment is still fixated on teachers and books. Another problem is the lack of knowledge and ability of teachers in introducing types of businesses and economic activities and the condition of students who have a great interest in using digital technology-based learning media. Thus, this research aims to create an Interactive Multimedia as a facilitator for students in learning the material of business types and economic activities.  This research uses the Design and Development (D&D) research model, with Analyze, Design, Development, Implementation, and Evaluation (ADDIE) research procedures. This research involved experts and users. The results of the assessment from the expert's point of view for the feasibility of interactive multimedia is very feasible to be implemented in learning.

Efforts to improve the community's economy through screen-printed t-shirt businesses. Problem: Implementation of activities still uses manual methods. Literature review and observation of implementation of activities in the field. Result: Screen printing t-shirt business activities need to be changed from the manual method to the modern method (screen printing machine) to increase the income of screenprinting t-shirt entrepreneurs, and there is a need for assistance from the government.

This study aims to examine the effect of changes in tax rates, income levels and understanding of taxation on MSME taxpayer compliance. The population in this study are individual taxpayers who have businesses in Gresik Regency. The approach in this research is a quantitative approach. The sampling technique in the research was carried out by the methodpurposive sampling obtained a sample of 58 respondents. The data used is primary data by distributing questionnaires to individual taxpayers who have businesses. Testing data analysis using application assistance SmartPLS Version 3.2.9. The results showed that changes in tax rates had a significant positive effect on MSME taxpayer compliance, income levels had a positive and significant effect on MSME taxpayer compliance and understanding of taxation had a significant positive effect on taxpayer compliance.

The purpose of this Partnership Program for People is to provide Appropriate Technology for Small Businesses engaged in flower plant nursery. The target of this partnership program for the community is business owners in the field of flower plant nursery. The problem faced by flower plant nursery SMEs is the absence of appropriate equipment or technology in supporting flower plant nursery activities, besides that business management practices have not been touched in doing business, for example simple financial painting and promotion through social media. The proposer of the partnership program in the community agreed with partners to procure appropriate technology in the form of water reservoirs in the implementation of flower plant nurseries, in addition to providing training and assistance in business management and promotion. The operation of the water reservoir will facilitate watering of flower plant seedlings, so that productivity increases. The provision of business management training and assistance has also increased its sales turnover, so that the welfare of flower plant nursery SMEs can be better.

Micro, small enterprises (MSME) are businesses or industries that are supported by individual skills, creativity and abilities. Industry or business creates an item or product by utilizing a creativity and the talents of each individual. This study aims to determine the influence of Knowledge, Skills on business performance through entrepreneurial competence. This type of research is Quantitative research. The population in this study is the owner of MSME of Pasuruan Regency's superior products, the sample of this study is 1 16 Respondents The source of data   in this study is the primary data source. Data collection techniques using questionnaires. The data analysis tool used is multiple linear regression analysis with the help of SPPS 22 Software. The results of this study show (1). Knowledge has a significant effect on business performance. (2). Knowledge has a significant effect on entrepreneurial competence (3). Skills have a significant effect on business performance. (4). Skills have a significant effecton entrepreneurial competence. (5). Entrepreneurial competence has a significant effect on performance. (6). Knowledge has a significant effect on business performance through the competence of the entrepreneur. (7). Skills have a significant effect on performance through entrepreneurial competence.

Islamic financial institutions provide facilities that can be used by the community in the business sector to open up opportunities to build UMKM. UMKM are the main productive and competitive actors in the national economy. For this reason, the development of micro, small and medium enterprises needs to be the main priority of national economic development. This study aims to describe the role of Islamic financial institutions for UMKM in realizing economic development. This type of research is a literature review research with data sources obtained through a search on google schoolar with a number of predetermined variable keys. The results of this study include the role of financial institutions in the economy including the transfer of assets, transactions, liquidity and efficiency. Islamic financial institutions were established with the aim of promoting and developing the application of Islamic principles, sharia and their traditions into financial and banking transactions and related businesses.