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Tini Hayatul Huri; Rini Elvira

JURNAL MANAJEMEN DAN BISNIS EKONOMI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

Bank Perekonomian Rakyat Syariah (BPRS) is a financial institution that operates according to sharia principles, focusing on providing financial services to the community, especially micro and medium-sized businesses. The main problem in this thesis is that out of  a total of 1.200 mcro-enterprneurs, only 485 have received financing from BPRS Taeh Baruah. This is because they do not yet have a business licence, so mcro-enterpreneurs prefer to borrow from non-formal financing institutions such as the PNM Mekaar program or farmer groups. This study aims to analyze the role of Bank Perekonomian Rakyat Syariah (BPRS) Taeh Baruah in micro-enterprise development. The research method used is a qualitative method with a descriptive approach. Data collection techniques used are through interviews and literature studies. Informants in this study consisted of 11 BPRS financing staff and 49 micro-enterprise customers at BPRS Taeh Baruah. The research results show that BPRS Taeh Baruah plays a significant role in supporting the development of micro-enterprises through sharia-based financing, particularly by using the murabahah contract, which is the most widely used by customers. Furthermore, BPRS Taeh Baruah also plays a role in increasing sharia financial inclusion by providing savings and financing services, conducting regular literacy and education related to sharia finance, and implementing flexible service strategies such as savings and financing pickup services, the use of mobile banking service. The Taeh Baruah BPRS also play a role in improving community welfare through financing programs provided to micro-enterpreneurs for working capital, enabling their business to grow. The additional capital provided by the BPRS ensures the availability of materials and eqipment for their businesses, thus contibuting to economic stability.

Fikri Nabila; Juwita Raditya Ningsih

Jurnal ilmu Kesehatan Umum 2026 Asosiasi Riset Ilmu Kesehatan Indonesia

Background: Class II restoration according to the classification of Greene Vardiman Black is one of the procedures in dental conservation that often presents a challenge for operators or dentists during treatment. Class II restorations have their own level of difficulty, particularly during the placement of restorative materials into the cavity. One of the possible failures in Class II restorative treatment is marginal leakage, which can lead to microleakage at the restoration margins. Purpose: To report the success of class II restoration with composite resin using tofflmire matrix. Case report: A 23-year-old female patient came with a complaint of cavities, the complaint was felt since 1 year ago in the lower left back tooth, there was no pain and had never been treated. In the case, preparation and restoration were carried out using composite resin with isolation using tofflmire matrix, applied using an Incremental technique. Discussion: Class II posterior tooth restorations have challenges such as leakage due to the techniques and materials used. Composite resin is chosen because of its good adaptation, esthetics, and wear resistance. Incremental techniques are preferred because they reduce polymerization stress and provide optimal curing results. Tofflemire matrix is ​​used for stability and soft tissue protection.Conclusion: The selection of composite resin with an Incremental technique and the use of a Tofflemire matrix provides more optimal, aesthetic, and minimal risk of failure results for class II posterior tooth restorations.

Aida Fitri Harahap

Inovasi Kesehatan Global 2026 Lembaga Pengembangan Kinerja Dosen

Chronic Coronary Syndrome (CCS) is a contemporary term that replaces stable coronary artery disease (CAD) and describes a spectrum of clinical conditions resulting from chronic abnormalities of the coronary arteries. This condition is characterized by a mismatch between myocardial oxygen supply and demand that is transient and reversible, commonly presenting as stable angina pectoris. CCS contributes significantly to global cardiovascular morbidity and mortality, including in Indonesia. The underlying pathophysiology primarily involves atherosclerosis and microvascular dysfunction leading to myocardial ischemia. Diagnosis is established through comprehensive history taking, physical examination, and both invasive and non-invasive investigations such as electrocardiography, stress testing, and cardiac imaging. Risk stratification using pre-test probability plays a crucial role in guiding further diagnostic evaluation. The management of CCS aims to relieve symptoms and prevent adverse cardiovascular events through pharmacological and non-pharmacological approaches, as well as revascularization when indicated. Pharmacological therapy includes antianginal agents, antiplatelet drugs, and lipid-lowering agents, while lifestyle modifications such as smoking cessation, healthy diet, and regular physical activity are essential in preventing disease progression. With accurate diagnosis and comprehensive management, the morbidity and mortality associated with CCS can be reduced.

Affan, Mohamad Setia Maulana Affandi; Andriani, Andriani

Jurnal Riset Rumpun Ilmu Ekonomi 2026 Lembaga Pengembangan Kinerja Dosen

Work discipline is a crucial element in improving employee performance, particularly in the Micro, Small, and Medium Enterprises (MSME) sector such as automotive workshops, which often face managerial and structural challenges. This study aims to explore the understanding, implementation, and influence of work discipline on employee performance at Gandi Jaya Motor Workshop, Jombang, within a local context characterized by religious values and informal work culture. The research employs a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews, observation, and documentation, and were analyzed thematically. The findings reveal that work discipline is perceived as a form of personal responsibility driven by leadership example and religious values, rather than by formal systems alone. External factors such as limited infrastructure and the absence of a structured HR evaluation system also affect performance effectiveness. These findings expand the scope of Work Discipline and Employee Performance theories by incorporating social and cultural dimensions as determinants of work behavior. The study concludes by emphasizing the need for a humanistic approach to HR management in MSMEs and recommends further exploration with broader participant coverage and more diverse methodological approaches.

Reva Agustia; Al Yesi Fitri Rahayu; Uswatun Hasanah

DHARMA EKONOMI 2026 sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

This study explores the development strategies of sweet pastry Micro, Small, and Medium Enterprises (MSMEs) based on Islamic economic principles in improving the local economy in Betungan, Bengkulu City. MSMEs play a crucial role in supporting economic growth and creating employment opportunities, particularly in the culinary sector, which has experienced significant expansion in recent years. In Betungan, sweet pastry businesses have shown promising potential; however, their development is still hindered by several challenges, including limited capital, low product innovation, and less effective marketing practices. This research employs a qualitative approach with a case study method. Data were collected through observation, interviews, and documentation at Jl. Ar-Rahman, Sepakat 7, Betungan, Selebar District, Bengkulu City. The study also considers the application of Islamic business values, emphasizing ethical conduct such as honesty, fairness, accountability, and the avoidance of riba and uncertainty in transactions. The findings indicate that the sustainability and competitiveness of sweet pastry MSMEs can be enhanced through several key strategies, including continuous product innovation, improving product quality, optimizing digital marketing, and strengthening business networks. In addition, integrating Islamic principles into business operations helps build consumer trust and ensures ethical business practices. Overall, these strategies not only improve business performance but also contribute to strengthening the local economy and community welfare.

Agustinus Fermaldo; Yoseph Adsandro Abang

Jurnal Pengabdian Masyarakat Nian Tana 2026 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Micro, Small, and Medium Enterprises (msmes) play an important role in supporting regional economic growth. However, business sustainability often faces various risks that may hinder the achievement of business objectives. This study aims to analyze the implementation of risk management at Valerie Bag's Boutique in Maumere, Sikka Regency. The research employed a qualitative descriptive method, with data collected through observation, interviews, and documentation. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing. The findings indicate that Valerie Bag's Boutique faces four main categories of risk: supply risk, operational risk, market risk, and financial risk. Market risk and financial risk are the most dominant due to intense business competition, rapidly changing fashion trends, inventory accumulation, and delayed customer payments. Risk control strategies implemented by the boutique include enhancing digital marketing efforts, conducting regular inventory management, improving service quality, strengthening operational supervision, and maintaining better financial records. The study concludes that effective risk management implementation can contribute significantly to improving business sustainability and enhancing the competitiveness of msmes in the fashion sector

Margaretha Yulianti; Elisabeth Elsa; Fransiska Sulistia; Yusni Nona Wohen; Tresia Winata Dua Dori

Jurnal Pengabdian Masyarakat Nian Tana 2026 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Risk management is a crucial aspect of business sustainability, especially for Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector which face various business environment uncertainties. This study aims to analyze the implementation of operational risk management at Warung Ecco Roso Kediri, covering the processes of risk identification, analysis, evaluation, control, and monitoring applied by the business owner. This research employed a qualitative descriptive method with a case study approach, using in-depth interviews and field observation for data collection. The results showed that the implementation of operational risk management at Warung Ecco Roso Kediri has been carried out across all process stages, yet it remains simple, informal, and based on the owner’s experience without systematic documentation. The main identified risks include raw material risks, market demand risks, business competition risks, as well as service and hygiene risks. The control strategies implemented focus on maintaining product quality, operational efficiency, and price adjustment. Although the applied system is not formally structured, these risk management practices are considered effective in maintaining business stability and continuity. This study recommends the development of Standard Operating Procedures (SOPs), risk documentation, and the use of a risk matrix to improve risk management effectiveness in the future.

Alda Julianti; Yosy Arisandy; Miko Polindi

JURNAL MANAJEMEN DAN BISNIS EKONOMI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This study aims to analyze the success factors of sharia micro-enterprises, understand the perspectives of MSMEs on sharia-based empowerment, and assess the feasibility of sharia micro-enterprises among night culinary MSMEs in Betungan, Bengkulu City. The method used is descriptive qualitative, with data collection techniques conducted through observation, in-depth interviews, and documentation to ensure data validity and richness. The informant selection technique in this study used purposive sampling, which is a method of selecting samples based on specific considerations aligned with the research objectives and relevance to the study context. The results show that business success is influenced by several factors, including the length of business operation, level of income, strategic location, and the consistent application of sharia values in business practices. Furthermore, sharia micro-enterprises are considered quite feasible to run because they have fulfilled halal principles and demonstrated the ability to generate sustainable profits, although challenges remain, particularly in terms of legal compliance and the limited scope of empowerment support programs available.

Nabilah Qurrotul ‘Aini; Maria Yovita R. Pandin

Jurnal Riset Rumpun Ilmu Ekonomi 2026 Lembaga Pengembangan Kinerja Dosen

The increasingly tight competition in the textile and garment industry has led to the optimal management of capital structure and microfinance to increase the value of the company. This study aims to analyze the influence of microfinance and capital structure on the value of the company with profitability as an intervening variable. The method used is a quantitative method with secondary data obtained from the financial reports of textile and garment companies registered in the Indonesian Financial Services Authority for the period 2020–2024. Data analysis was conducted using Structural Equivalence Modeling-Partial Least Square (SEM-PLS). The results of the study indicate that microfinance has a positive and significant effect on profitability and firm value. Meanwhile, capital structure has a positive but insignificant effect on profitability and a negative and insignificant effect on firm value. Profitability is proven to have a positive and significant effect on firm value, but is unable to mediate the influence of microfinance and capital structure on firm value. Thus, the findings of this study confirm that profitability fails to be an integrating variable.

Rilly Salwa Nuryamin; Elizabeth Elizabeth

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The matcha cafe industry in Indonesia is experiencing rapid growth in line with increasing matcha consumption and the growth of matcha-based cafe brands. This growth has led to increasingly competitive competition in the beverage business sector. Feel Matcha, as the first matcha cafe in Indonesia, faces competitive pressure from various new brands such as Uki Matcha and Matchaboy. This study aims to determine the partial and simultaneous effects of Product Quality, User Generated Content, and Brand Image on the Purchase Intention of Feel Matcha consumers in DKI Jakarta. This is a quantitative study. The technique used to determine the population is non-probability sampling. The population in this study is all Feel Matcha consumers, the exact number of which is unknown. The sample used in this study consisted of 97 respondents, with accidental sampling and using the Lemeshow formula. In this study, the data were analyzed using SPSS version 26 and Microsoft Excel 2021. The results of this study indicate that Product Quality, User Generated Content, and Brand Image partially influence Purchase Intention.

Mohamad Sodikin; Fadjar Setiyo Anggraeni; Endang Sarwiningsih Setyawulan; Windi Novia Ratri Wardhani; Ratih Pratiwi +3 more

Journal of Economic Empowerment and Community Service 2026 STIE Cendekia Karya Utama

This community service program aimed to improve household welfare, nutritional literacy, and stunting prevention awareness through halal seafood processing training for housewives in North Semarang District, Semarang City, Indonesia. The program involved 42 participants and was implemented using a participatory approach combined with experiential learning methods, integrating theoretical sessions, practical food processing training, nutrition counseling, and basic entrepreneurial education. Program effectiveness was evaluated through participant observation and post-activity semi-structured interviews. Success indicators were determined based on participant responses, with the target that at least 80% of participants reported increased knowledge and understanding of balanced nutrition, seafood utilization, and halal-thayyib food processing principles. Findings indicated that more than 80% of participants acknowledged improved understanding of B2SA nutrition concepts, seafood-based food processing techniques, and opportunities for small-scale household entrepreneurship. Participants also demonstrated high engagement during practical sessions and expressed interest in developing value-added seafood microenterprises. This program contributes an integrated community empowerment model combining nutrition education, women’s economic empowerment, Islamic dietary values, and local resource utilization, which may serve as a replicable strategy for urban communities facing nutritional and economic vulnerabilities

Cicilia Ayu Wulandari Nuwa; Carol Fabianus; Stefrian Claudio; Albertus Karles; Yeremias Gewar

Jurnal Pengabdian Masyarakat Nian Tana 2026 Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Micro and small businesses such as grocery kiosks face various operational risks that can threaten business sustainability; however, most business owners have not yet implemented systematic risk management practices. This study aims to analyze the risk management process at Kios Pelita Harapan, a small business established in September 2023 in Maumere, using a qualitative approach through direct interviews with the business owner. The findings reveal that the risk management process at this kiosk encompasses four stages: risk identification, risk analysis and assessment, risk evaluation and prioritization, and implementation and monitoring. The primary risks identified include stockouts of fast-moving goods, product damage due to short expiry periods, fire hazards, power outages, and theft. The owner addresses these risks through daily stock checking, inventory recording, monitoring customer purchasing patterns, and coordinating with suppliers during emergencies. The application of a simple yet structured risk management approach has been proven effective in stabilizing revenue and maintaining customer trust. This study provides practical implications for kiosk business owners in implementing effective risk management despite limited resources.

Shinta Palupi

Mikroba : Jurnal Ilmu Tanaman, Sains Dan Teknologi Pertanian 2026 Asosiasi Riset Ilmu Tanaman Dan Hewani Indonesia

Nitrogen is an essential element for soybean growth, particularly in the formation of vegetative organs and seed protein. The nitrogen requirement of soybean plants varies according to their growth stages. This study aimed to quantify nitrogen levels in soil and plant tissues of Anjasmoro soybean variety over a 13-week cultivation period. Observations were conducted weekly by collecting soil and plant samples from three randomly selected polybags. Nitrogen analysis was performed using a colorimetric Kjeldahl method. The results showed that nitrogen supply was obtained not only from soil media and fertilizers, but also from biological nitrogen fixation facilitated by symbiotic microbes forming root nodules as well as non-symbiotic soil microbes. The lowest total soil nitrogen content was recorded at 0 weeks after planting (WAP) at 0.20%, while the highest was observed at 7 WAP at 0.82%. The lowest total nitrogen content in plant tissue occurred at 8 WAP at 1.80%, whereas the highest was recorded at 4 WAP at 8.07%. Soybean plants experienced etiolation due to suboptimal light intensity, resulting in a vegetative phase that was prolonged by two weeks. Nitrogen uptake during this extended vegetative period reached 4.6%. The average total nitrogen absorbed by the plants during cultivation was 2.881 g per plant, while total nitrogen accumulation in the system increased by 26.285 g per plant.

Andi Riski Firnanda; Hildawati Hildawati

JURNAL EKONOMI BISNIS DAN MANAJEMEN (JISE) 2026 CV. ALIM'SPUBLISHING

The development of Micro, Small, and Medium Enterprises (MSMEs) in the traditional culinary sector in Dumai City has shown significant growth, particularly in bolu kembojo products. Increasing competition requires business actors not only to focus on product quality but also to implement business ethics in their operations. This study aims to analyze the role of business ethics in enhancing customer loyalty toward bolu kembojo MSME products in Dumai City. This research employs a qualitative approach using a case study method, with informants consisting of MSME owners and consumers selected purposively. Data collection techniques include interviews, observations, and documentation, while data analysis is conducted using an interactive model involving data reduction, data display, and conclusion drawing. The findings indicate that the implementation of business ethics, such as honesty, responsibility, and good service, can enhance customer trust and satisfaction. These factors subsequently encourage repeat purchases and positive word-of-mouth recommendations. The implication of this study suggests that the application of business ethics is a crucial strategy for MSMEs in strengthening customer loyalty and sustaining business continuity.

Leniman Zalukhu; Nelpina Hutagalung; Ika Widiya Pratiwi; Jasepto Roy Nainggolan; Adiwima Zebua

Jurnal Riset Rumpun Ilmu Ekonomi 2026 Lembaga Pengembangan Kinerja Dosen

The development of information technology has transformed the way micro,small,and medium enterprises (MSMES) market their products and interact with consumers.social media now plays a crucial role as a primary tool in digital marketing strategies due to its ability to reach consumers widely, quickly, and interactively. This study aims to analyze how digital marketing strategies through social media can enhance consumer loyalityamong MSMES. This research employs a qualitative descriptive approach, collecting data through in-depth interviews, observation of social media activities, and documentation of several MSMEs in medan. The findings reveal that consistent implementation of digital marketing strategies through social media significantly improves consumer loyalty. The main factors influencing this improvement include engaging content quality, active interaction between sellers and customers, and the effective use of social media features such as paid advertisements and collaborations with local influencers. The study concludes that digital marketing strategies through social media not only boost sales but also strengthen long-term relationships between MSMEs and their customers. Therefore, optimizing social media utilization becomes a strategic step for MSMEs to remain competitive in the digital era.

Ratu Sofyatus Solehah; Uu Mutafakkiroh; Egi Abdul Aziz; Muhamad Raefi; Surya Alam

JURNAL EKONOMI BISNIS DAN MANAJEMEN (JISE) 2026 CV. ALIM'SPUBLISHING

Baros District has the potential for creative economy-based Micro, Small, and Medium Enterprises (MSMEs) products that need to be strengthened, including products from the agricultural, livestock, crafts, food, and various other types of trade sectors. This study aims to analyze and assess the steps for developing creative economy-based MSMEs in Baros District, located in Serang Regency, Banten. The method applied is a qualitative approach through observation, interviews, document collection, and using a SWOT Matrix analysis to identify the strengths, weaknesses, opportunities, and challenges faced in developing creative economy-based MSMEs in Baros District, Serang Regency, Banten. Data sources used include the Head of Baros District, local village heads, academics, MSME actors, employees from the Serang Regency MSME Office, and MSME observers. This study lasted for one year. The appropriate strategy for developing MSMEs in Baros District is the SO (Growth) strategy, which utilizes existing strengths to increase competitiveness. The research revealed that MSMEs operating in the creative economy sector in Baros District still face various challenges in developing their businesses, such as limited capital, the use of simple production equipment, suboptimal marketing, a shortage of skilled labor, and limited use of technology and copyright registration for their products.

Umayrha Putri Madila; Thaira Khairani; Dhini Melviansyah; Rigo Winandri; Novita Efendi

ARDHI : Jurnal Pengabdian Dalam Negri 2026 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This community service activity was carried out through the Kuliah Kerja Nyata (KKN) program at SDN 30 V Koto Kampung Dalam, Padang Pariaman Regency, West Sumatra. The activity aimed to restore the psychological condition and learning spirit of students who experienced trauma following a fire disaster. Five educational games were implemented, namely sendok tepung (spoon and flour), pipet aqua (straw transfer), naga balon (balloon dragon), biskuit Roma (biscuit game), and joget balon (balloon dance). These games were selected to stimulate physical, social, emotional, and mental aspects of students. The instruction was delivered directly using a microphone and speaker system, with a storytelling approach that sparked imagination rather than evoking pity. The impact was measured through behavioral observation, with positive indicators including students transitioning from drooping posture to upright, laughter replacing silence, and passive children beginning to vocalize and cheer. Results indicated that educational game-based socialization is effective as a non-therapeutic initial psychosocial recovery strategy for disaster-affected children. This activity demonstrates that simple and participatory methods can significantly contribute to restoring children's learning motivation and psychological resilience post-disaster.

Rinawati, Liya; Eddy Yunus; Slamet Riyadi

JURNAL RISET AKUNTANSI 2026 Institut Teknologi dan Bisnis (ITB) Semarang

This study is motivated by the significant role of Micro, Small, and Medium Enterprises (MSMEs) in the national economy, particularly in generating employment and supporting economic growth, while still facing challenges related to product quality and competitiveness. In this context, product curation emerges as a strategic mechanism to enhance quality standards and market readiness, making the role of curators increasingly important. This study aims to analyze the influence of curator competence, digital curation technology, work environment, work motivation, work targets, teamwork, and personality traits on job satisfaction and curator performance in MSMEs, as well as to examine the role of job satisfaction as a mediating variable and commitment as a moderating variable. The research employs a quantitative approach with an explanatory design, using primary data collected through questionnaires distributed to 251 curators affiliated with the East Java Curation House. Data analysis was conducted using multiple linear regression, along with mediation and moderation testing. The findings indicate that curator competence, digital curation technology, work targets, teamwork, and job satisfaction have a significant effect on curator performance, while job satisfaction also mediates several relationships among variables. However, curator commitment does not act as a moderating variable. The implications of this study highlight the importance of strengthening curator competence, enhancing the utilization of digital technology, and developing structured and collaborative work systems to improve curator performance and the sustainable competitiveness of MSMEs.

Intan Dwi Anggreini

Jurnal Pengabdian dan Keberlanjutan Masyarakat 2026 Lembaga Pengembangan Kinerja Dosen

The development of digital technology has encouraged micro, small, and medium enterprises (MSMEs), particularly in the culinary sector, to adapt by utilizing online applications as a strategy to increase competitiveness. This community service activity aims to improve the understanding and capabilities of business owners at Kedai Jajanan Zahira in Surabaya in utilizing online applications as a marketing and sales tool. The method used in this study is Participatory Action Research (PAR), an approach that actively involves business actors in every stage of the process. These stages include problem identification, planning, implementation, and evaluation. Data collection techniques were carried out through interviews and direct observation to obtain a realistic picture of business conditions. The results of the activity showed an increase in business owners' understanding of the importance of digitalization, improved skills in using food delivery applications and social media, and increased market reach and interaction with consumers. In addition, the use of online applications also contributed to increased operational efficiency, such as more systematic order management and transaction recording. Overall, mentoring in the use of online applications has proven effective in increasing the competitiveness of culinary businesses. This activity has a positive impact not only on increasing sales, but also on business sustainability through increased digital literacy and the ability to adapt to technological developments. Therefore, ongoing mentoring is needed so that business actors can consistently optimize the use of digital technology in developing their businesses.

Imeldawaty Gultom; Wibisono Wibisono; Sigit Wibisono; Aji Nurohman; Irlon Irlon

Hydrogen-based hybrid microgrid systems have emerged as a promising solution to enhance renewable energy integration and improve energy supply reliability. By combining renewable sources such as solar and wind with hydrogen production and storage technologies, these systems address the intermittency of renewable power while ensuring continuous energy availability. This study evaluates the techno-economic feasibility, environmental impact, and scalability of hydrogen-based hybrid microgrids, with a focus on cost-effectiveness and system performance under varying operating conditions. Simulation tools, including HOMER Pro and MATLAB Simulink, are used to model the system and conduct sensitivity analyses on hydrogen production costs and demand fluctuations. Key performance indicators such as Levelized Cost of Energy (LCOE), Net Present Value (NPV), and CO₂ emissions reduction are assessed. The results show that although the system requires a high initial investment, it becomes economically viable over time due to reduced operational costs and improved efficiency. Additionally, the system demonstrates significant environmental benefits, outperforming conventional fossil fuel-based systems in terms of emissions reduction. Sensitivity analysis further indicates that advancements in hydrogen production technologies could substantially enhance economic feasibility. Overall, hydrogen-based hybrid microgrids offer a reliable and low-carbon energy solution, supporting sustainable energy transitions and reducing dependence on fossil fuels.