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This community service activity was carried out with the primary objective of improving the financial literacy of Micro, Small, and Medium Enterprises (MSMEs) in Pesawaran Regency. Financial literacy is considered a fundamental aspect in maintaining business continuity, as it is directly related to the ability of business actors to manage income, record transactions regularly, develop short-term and long-term financial plans, and utilize digital technology as a supporting tool. Low financial literacy is often an obstacle to the development of MSMEs, so interventions in the form of structured training and mentoring are essential. The activity method includes several stages, namely a pre-test to measure initial conditions, interactive delivery of training materials, direct practice using digital financial applications, and a post-test to disseminate learning outcomes. The evaluation results showed a significant increase in all measured indicators. Basic financial literacy increased by 10.16 points, financial recording skills increased by 14.47 points, the ability to prepare financial plans increased by 12.43 points, while financial digitalization experienced the highest performance with an increase of 18.12 points. These findings confirm that financial literacy training programs not only improve conceptual knowledge but also develop the practical skills essential for MSMEs to face the challenges of the modern economic era. This increased understanding and skills are expected to make Pesawaran MSMEs more independent, adaptable to digital technology developments, and more competitive.

This community service program aims to strengthen the competence of automotive workshop MSMEs in mastering microcontroller-based starter system technology, enabling them to adapt to the era of vehicle digitalization. The program was carried out through several stages: identification of training needs, delivery of basic theory on microcontrollers and starter systems, practical sessions in module assembly and programming, followed by mentoring and evaluation. The results of the evaluation showed an 85% increase in participants’ understanding of the digital starter system concept, an 80% improvement in module assembly and programming skills, and a 75% increase in readiness to apply innovative starter systems in workshop services. The novelty of this activity lies in the development of a more applicable digital starter system model tailored to the needs of small-scale workshops. The implementation emphasized a participatory, practice-based approach using learning by doing. Participants, mainly workshop owners and technicians, were guided step by step from component recognition, software operation with Arduino IDE, to the prototyping of functional microcontroller-based starter systems. To ensure sustainability, the program also provided training modules, video tutorials, and online mentoring, allowing participants to continue practicing independently after the training. Beyond improving technical competence, this activity also fostered an innovative mindset among participants, making them more confident to provide modern, technology-oriented services. In the long term, the program is expected to enhance the competitiveness of automotive MSMEs, strengthen customer trust, and build collaborative networks between higher education institutions and local workshops in supporting vocational education and digital transformation.

Small and Medium Enterprises (SMEs) play a crucial role in driving economic growth at both local and regional levels, including in Malang Regency. Their presence not only creates new job opportunities but also stimulates the economic activities of local communities. Nevertheless, SME actors still face a number of significant challenges. These include limited capital, incomplete business legality, low managerial capacity, and restricted access to wider markets. Such conditions often hinder SMEs from optimizing their competitiveness. This research aims to examine the implementation of SME empowerment programs carried out by the Cooperative and Micro Business Office in Kepanjen, as well as to identify supporting and inhibiting factors. The study employed a descriptive qualitative approach, with data collected through in-depth interviews and documentation studies. The findings reveal that SME empowerment was implemented through various programs, such as training to enhance skills, continuous business mentoring, facilitation of access to financing through financial institutions, and product promotion via exhibitions and digital platforms. These programs have provided positive impacts by strengthening the capacity and visibility of SMEs in the region. The success of these programs is supported by the strong commitment of the local government, synergy among institutions, and active participation of SME actors. On the other hand, several obstacles remain, such as low digital literacy among entrepreneurs, difficulties in obtaining financing due to legal constraints, and complex bureaucratic processes. The results of this research emphasize that SME empowerment requires adaptive strategies, continuous mentoring, and proper program mapping in accordance with local conditions.

The Community Service Program (KKN) of Universitas Teuku Umar for the 2025/2026 academic year, conducted in Desa Pasi Janeng, Woyla Timur Subdistrict, West Aceh Regency, focuses on the innovative use of lime (Krut nipeh) as a raw material for the production of environmentally friendly dish soap. This local resource, which has traditionally been used for domestic purposes, has not been fully exploited as a source of economic value. The program follows the POAC methodology (Planning, Organizing, Actuating, Controlling), which encompasses community outreach, soap-making workshops, hands-on production practices, and sustainability evaluations. The outcomes of this initiative include the development of an eco-friendly dish soap product, enhanced technical skills among community members, and active participation from housewives and young mothers. In the medium term, the program has succeeded in raising entrepreneurial awareness within the community, with the expectation that it will foster the establishment of micro, small, and medium enterprises (MSMEs) based on local resources, thus contributing to sustainable development. Furthermore, the program aligns with the achievement of several Sustainable Development Goals (SDGs), particularly Goals 1 (No Poverty), 8 (Decent Work and Economic Growth), and 12 (Responsible Consumption and Production), making a meaningful contribution to community service in accordance with the Tri Dharma of Higher Education.

The Community Service Program (KKN) of Universitas Teuku Umar for the 2025/2026 academic year, conducted in Desa Pasi Janeng, Woyla Timur Subdistrict, West Aceh Regency, focuses on the innovative use of lime (Krut nipeh) as a raw material for the production of environmentally friendly dish soap. This local resource, which has traditionally been used for domestic purposes, has not been fully exploited as a source of economic value. The program follows the POAC methodology (Planning, Organizing, Actuating, Controlling), which encompasses community outreach, soap-making workshops, hands-on production practices, and sustainability evaluations. The outcomes of this initiative include the development of an eco-friendly dish soap product, enhanced technical skills among community members, and active participation from housewives and young mothers. In the medium term, the program has succeeded in raising entrepreneurial awareness within the community, with the expectation that it will foster the establishment of micro, small, and medium enterprises (MSMEs) based on local resources, thus contributing to sustainable development. Furthermore, the program aligns with the achievement of several Sustainable Development Goals (SDGs), particularly Goals 1 (No Poverty), 8 (Decent Work and Economic Growth), and 12 (Responsible Consumption and Production), making a meaningful contribution to community service in accordance with the Tri Dharma of Higher Education.

The development of digital technology provides significant opportunities for Micro, Small, and Medium Enterprises (MSMEs) to improve the quality of their product promotions. However, most MSMEs fostered by Sharia cooperatives still face obstacles in utilizing the latest technology, particularly artificial intelligence (AI), as an effective and efficient promotional tool. Given this situation, this community service activity was carried out with the aim of increasing the capacity of MSME members in utilizing AI technology to create more attractive product promotional content that aligns with digital marketing trends. The activity took place at Kedai Fatiya Sukodono in July 2025, coinciding with the BMT Insan Mandiri Sukodono Branch member gathering. The methods used included counseling on the importance of AI-based digital marketing, technical training on using AI applications for content design, and hands-on practice in creating promotional materials by participants. A total of 40 MSMEs from various sectors, such as culinary, fashion, and services, participated in this activity. The results showed an increase in participants' knowledge and skills in creating more creative, professional, and cost-effective promotional content. In addition, participants also gained a better understanding of digital-based promotional strategies that can increase market reach. Thus, this community service activity provides a real contribution to strengthening the competitiveness of MSMEs in the era of digital transformation, while also supporting the role of sharia cooperatives as partners in empowering the people's economy

This community service program was carried out by students of Universitas Pelita Bangsa in Karangsetia Village, Karang Bahagia District, Bekasi Regency, as a concrete effort to strengthen the capacity of micro, small, and medium enterprises (MSMEs) in facing the challenges of digitalization. MSMEs in this area still encounter various obstacles, such as the absence of formal business legality, limited understanding of branding strategies, and minimal utilization of digital technology for both marketing and payment systems. These conditions have weakened business competitiveness and hindered the growth of local enterprises. The program focused on three interrelated aspects: legal compliance, brand development, and digital adoption. Business legality was facilitated through the issuance of the Business Identification Number (NIB), which provides legal certainty while granting access to government programs and financial institutions. Branding was strengthened by designing logos, banners, and simple promotional media to enhance business identity, professionalism, and consumer appeal. Digitalization was promoted through business registration on Google Maps to improve visibility, and the adoption of the Quick Response Code Indonesian Standard (QRIS) as a cashless payment method that is efficient, secure, and widely accepted. The methods employed included observation, socialization, mentoring, and participatory evaluation with business owners. The results demonstrated significant progress, as most MSMEs successfully obtained legal registration, adopted QRIS in daily transactions, registered their businesses on Google Maps, and developed clearer visual identities. This program had a positive impact by increasing entrepreneurial confidence, expanding market reach, and fostering awareness of the importance of digital transformation. Overall, the community service program contributed to strengthening the competitiveness, sustainability, and independence of MSMEs in Karangsetia Village, while supporting the development of the local economy.

This study aims to analyze the influence of business capital on the development of Micro, Small, and Medium Enterprises (MSMEs) at CV Kakarak Food located at Jl. Gunung Batu No. 117T, Sukaraja, Cicendo, Bandung, West Java. This study uses a quantitative method with an associative descriptive approach. Primary data were obtained through distributing questionnaires to 30 respondents who are employees at CV Kakarak Food, while secondary data were obtained from company documentation and relevant literature. The data analysis technique used was simple linear regression to test the partial effect of the independent variables on the dependent variable. The results of this study indicate that venture capital has a positive and significant influence on the development of MSMEs. The availability of venture capital helps streamline operational activities, strengthen production capacity, improve product quality, and support business expansion efforts to a wider market. Furthermore, venture capital also contributes to increasing company competitiveness in facing the dynamics of the food industry. Therefore, it can be concluded that increasing venture capital is a crucial aspect that must be considered in encouraging the growth and sustainability of MSMEs, particularly CV Kakarak Food and similar MSMEs in the food sector. This research is expected to provide input for business owners, the government, and related parties in designing MSME development strategies oriented towards capital strengthening, thus creating more stable, independent, and highly competitive businesses in the future. Furthermore, the results of this study can also serve as an academic reference for further research and as evaluation material for MSMEs in determining managerial policy priorities.

The development of tourism villages is an effective strategy to improve community welfare and support the realization of sustainable development at the local level. This study aims to analyze strategies for developing a tourism village through the Community Service Program (Kuliah Kerja Nyata/KKN), with a particular focus on creating a healthy, clean, and educational village in Ambarawa, Pringsewu Regency. The research employed a descriptive qualitative approach, with data collected through field observations, in-depth interviews with village officials, community leaders, and local entrepreneurs, as well as documentation of program activities. The findings reveal that the implementation of the KKN program involved three main strategies. First, environmental hygiene and health education were carried out through socialization, mentoring, and community-based clean-up initiatives. Second, digital-based tourism promotion was developed using social media and online platforms, which increased destination visibility and enhanced tourist appeal. Third, local economic empowerment was strengthened by providing training and mentoring for Micro, Small, and Medium Enterprises (MSMEs), along with the introduction of non-cash transactions using QRIS to facilitate modern and efficient payments. These efforts successfully fostered community participation, raised environmental awareness, and stimulated innovative approaches to tourism promotion. Nevertheless, several challenges were identified, such as limited program duration, low levels of digital literacy among some residents, and the absence of comprehensive regulations governing tourism management. Recommendations include establishing a formal tourism management institution (Pokdarwis), enhancing capacity through digital literacy training, and fostering sustainable collaboration among government, academia, and the community to ensure that tourism village development can progress consistently, innovatively, and sustainably.

Panglipuran Traditional Village in Bali has gained international recognition as one of the cleanest tourist villages in the world and serves as a model for culture-based sustainable tourism. The economic foundation of the village relies heavily on the development of Micro, Small, and Medium Enterprises (MSMEs) rooted in local wisdom, which simultaneously function as drivers of economic growth and instruments of cultural preservation. This study seeks to examine the management practices, marketing strategies, and challenges faced by MSMEs in Panglipuran Village. The research applied qualitative methods, including field observation, in-depth interviews with key stakeholders, documentation review, and descriptive analysis. The findings reveal a strong synergy between customary values and economic activities, reflected in flagship products such as bamboo handicrafts, traditional cuisine, and signature beverages. Success factors include an effective organizational structure, the support of customary institutions, and the ability to adopt adaptive marketing approaches. Nonetheless, several challenges were identified, including limited utilization of digital marketing platforms, constraints in production capacity, and insufficient product innovation to meet the demands of broader markets. Recommendations highlight the importance of strengthening online marketing, diversifying product variations, and expanding cooperative networks both within and beyond the village. Overall, the study underscores the significant potential of culture-based MSMEs to enhance community welfare, increase competitiveness, and ensure the sustainability of local traditions within the dynamics of modern tourism.

The village of Bungatan in Situbondo Regency, East Java, has significant economic potential through the presence of micro, small, and medium enterprises (MSMEs) spread across various sectors. However, the main issues faced by the MSME community in Bungatan Village include low legal literacy regarding business licensing, weak product identity in terms of design and information, and limited use of effective promotional media. Based on this, the objective of this community service activity is to increase the number of MSMEs with business legality, strengthen product identity to enhance competitiveness in the market, and build relevant visual promotion capabilities aligned with local characteristics. The method employed is the Asset-Based Community Development (ABCD) approach. The ABCD approach aims to raise community awareness of the assets they possess. The results of the SME development program in Bungatan Village demonstrate significant improvements in business legality, product identity, and promotional capacity through the Asset-Based Community Development (ABCD) approach. Overall, the outcomes of this activity indicate that empowerment based on local potential and active community participation can strengthen community economic resilience and open opportunities for sustainable SME development.

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting regional economic growth, job creation, and equitable distribution of community welfare. In Cilegon City, MSMEs are growing rapidly in various sectors, but still face a number of fundamental challenges. The main problems faced include limited access to capital, low utilization of digital technology in business activities, limited managerial capacity, and less than optimal regulatory support oriented towards strengthening MSMEs. These conditions cause the competitiveness of MSMEs to be relatively weak compared to the large business sector, so that their contribution to the Gross Regional Domestic Product (GRDP) of Cilegon City is not optimal. This study aims to analyze policy strategies that can support the development of MSMEs in Cilegon City through a descriptive qualitative approach. The method used is a literature study and policy analysis by examining regulations, local government policies, and relevant previous research results. The analysis results show that there are several strategies that can be implemented, including: strengthening regulations and policies that favor MSMEs, expanding access to financing through collaboration with financial and banking institutions, developing human resource capacity through entrepreneurship and business management training, utilizing digital technology to expand market access, and building synergies between local governments, the private sector, and other supporting institutions. The implementation of these strategies is expected to increase the competitiveness of MSMEs, expand marketing networks, and encourage MSMEs to be more adaptive to technological developments and market needs. Thus, MSMEs in Cilegon City can make a more significant contribution to regional economic growth, create new jobs, and support sustainable economic development.

The village of Bungatan in Situbondo Regency, East Java, has significant economic potential through the presence of micro, small, and medium enterprises (MSMEs) spread across various sectors. However, the main issues faced by the MSME community in Bungatan Village include low legal literacy regarding business licensing, weak product identity in terms of design and information, and limited use of effective promotional media. Based on this, the objective of this community service activity is to increase the number of MSMEs with business legality, strengthen product identity to enhance competitiveness in the market, and build relevant visual promotion capabilities aligned with local characteristics. The method employed is the Asset-Based Community Development (ABCD) approach. The ABCD approach aims to raise community awareness of the assets they possess. The results of the SME development program in Bungatan Village demonstrate significant improvements in business legality, product identity, and promotional capacity through the Asset-Based Community Development (ABCD) approach. Overall, the outcomes of this activity indicate that empowerment based on local potential and active community participation can strengthen community economic resilience and open opportunities for sustainable SME development.

This community service program aims to enhance the visibility and competitiveness of Micro, Small, and Medium Enterprises (MSMEs) in Nusawungu Village through the creation of business location pins on Google Maps. The background of this initiative lies in the main challenges faced by local entrepreneurs, namely limited access to marketing channels and low digital exposure. Many businesses have been operating for years but remain difficult to find due to the absence of a clear digital identity, particularly on online maps. Therefore, this program focuses on utilizing Google Maps as an effective, low-cost, and accessible promotional medium. The program adopts the Participatory Action Research (PAR) method, emphasizing the active involvement of MSME actors in each implementation stage. The process began with mapping and collecting data on existing businesses, followed by classifying them into categories such as culinary, crafts, services, and trade. The next steps included filling in complete addresses, determining accurate coordinates, and uploading business and product photos. Verification of Google Maps profiles was then carried out to ensure that the businesses became officially accessible to the public. Furthermore, participants received guidance on adding supporting information, including operating hours, contact numbers, and social media links. The results demonstrated that all registered MSMEs successfully created active Google Maps profiles with complete information. The outcomes include increased consumer accessibility in locating businesses, recognizing available products or services, and directly contacting owners. This implementation has proven to make a significant contribution to market reach expansion and the strengthening of digital marketing strategies without requiring additional financial costs. These findings align with previous studies affirming the effectiveness of Google Maps as a promotional tool and a means of empowering MSMEs in rural areas. Moreover, this initiative opens opportunities for further development through integration with other digital platforms.

UMKM Tahu XYZ, a small-scale tofu producer, is currently facing significant challenges in maintaining consistent product quality, primarily due to a high defect rate. Common issues identified include crumbled tofu shapes, overly soft textures, and inconsistent taste, which negatively impact customer satisfaction and business sustainability. This study aims to investigate the root causes of these quality issues and propose practical solutions using the Lean Six Sigma methodology. The research employs a descriptive quantitative approach through the DMAIC framework—Define, Measure, Analyze, Improve, and Control—to ensure systematic problem-solving. Data were collected over a six-month period through direct observation, structured interviews, and review of production records. The analysis identified four dominant types of waste within the production process: unnecessary transportation, product defects, excessive movement, and over-processing. The root causes of these inefficiencies are linked to poor handling of raw materials, variability in soybean quality, and an ineffective production layout that hampers workflow and consistency. To address these problems, the study proposes several targeted interventions, including the redesign of the production layout to optimize flow, the implementation of the 5S (Sort, Set in order, Shine, Standardize, Sustain) workplace organization method, the development of standardized operating procedures (SOPs), and the adoption of improved soybean boiling technology. The implementation of these improvements is projected to significantly reduce product defects, enhance process efficiency, and ultimately increase customer satisfaction. Furthermore, these actions are expected to improve the overall competitiveness of UMKM Tahu XYZ within the highly demanding food industry sector. This research provides actionable insights for other micro, small, and medium enterprises (MSMEs) seeking to apply structured quality control methods to strengthen operational performance and long-term business resilience.

This study analyzes the impact of implementing Indonesia’s Law No. 27 of 2022 on Personal Data Protection (PDP Law) on cybersecurity in the e-business sector. Using a normative qualitative approach through literature analysis, this research examines the regulation’s implications for technical infrastructure, compliance procedures, and human resource capacity development within e-business operations. The findings indicate that although the PDP Law provides a comprehensive legal framework and human-centered principles for personal data protection, its implementation faces technical, operational, and economic challenges, particularly for micro, small, and medium enterprises (MSMEs). These challenges include limited security infrastructure, lack of technical expertise, and high investment costs. Nevertheless, adopting strategies such as multi-layer security architecture, zero-trust security model, privacy by design, and strengthening human resource capacity can enhance consumer trust, industry credibility, and the global competitiveness of Indonesia’s e-business sector. This study contributes to the literature by bridging the gap between personal data protection regulation and cybersecurity practices while offering strategic recommendations for both business actors and regulators.

This study analyzes the application of the compound interest concept in evaluating capital growth among vegetable vendors at the MMTC Traditional Market in Medan, North Sumatra. The research highlights the low level of financial literacy among micro-entrepreneurs in Indonesia, which currently stands at only 38.03%, and its implications for business sustainability. Traditional market traders generally employ basic bookkeeping practices focused solely on daily cash flow, without considering the time value of money or the growth potential from systematic profit reinvestment. Using a mixed-methods approach, this study combines semi-structured interviews to explore existing financial management practices with quantitative modeling based on the discrete compound interest formula to simulate various capital growth scenarios. The analysis reveals that disciplined reinvestment strategies, even when initiated with modest capital and conservative growth rates, can lead to substantial capital accumulation within three to five years. Three primary barriers to capital growth were identified: limited understanding of financial mathematics, lack of long-term planning, and a tendency to prioritize immediate consumption over investment. This research underscores the transformative potential of compound interest principles for micro-enterprise development and recommends practical financial literacy training along with supportive financial ecosystems that encourage sustainable reinvestment practices.

This Community Service Program (PKM) aims to improve the competitiveness of Micro, Small, and Medium Enterprises (MSMEs) of poor crackers in Setu Kulon Village, Weru District, Cirebon Regency, through Instagram-based digital promotion strategies. The problems faced by partners include minimal digital literacy, limited promotion, and still relying on conventional marketing. Through training activities, mentoring, and promotional content creation, students play an active role as digital transformation facilitators for business actors. The results of the activities show an increase in the ability of partners to manage social media accounts and the opening of new markets outside the region. This activity proves that the use of social media can be an effective, cheap, and applicable solution in the development of local-based traditional MSMEs

Micro, Small, and Medium Enterprises (MSMEs) are an essential pillar of the Indonesian economy, contributing significantly to employment creation, poverty reduction, and income distribution. However, despite their substantial role, MSMEs continue to face a number of persistent challenges, including limited access to capital, low levels of financial literacy, and inadequate utilization of technology. These barriers hinder their ability to grow, compete, and adapt to rapid economic changes. This study aims to explore and analyze the role of Islamic Financial Institutions (IFIs) in empowering MSMEs within the framework of Sharia principles. Employing a descriptive qualitative approach, this research is based on a comprehensive literature review of scholarly articles, official reports, and other relevant academic sources. The findings reveal that IFIs provide both financial and social contributions to MSMEs. Financially, IFIs channel funds through Sharia-compliant contracts such as mudharabah and murabahah, which allow entrepreneurs to access financing without relying on conventional interest-based systems. Socially, IFIs carry out a redistributive role by managing and disbursing zakat, infaq, sadaqah, and waqf (ZISWAF), while also offering entrepreneurship training, mentoring, and technical assistance. These functions collectively enhance MSMEs’ access to capital, strengthen their managerial and operational capacities, and increase competitiveness in both domestic and global markets. Nevertheless, several challenges remain, including the uneven geographical distribution of IFI services, slow adoption of digital technology, and the need for more supportive regulatory frameworks. Strengthening IFIs’ role through policy integration, technological innovation, and collaboration with government and private sectors is essential for maximizing their impact on MSME empowerment. Thus, IFIs not only act as financial intermediaries but also as socio-economic catalysts that support sustainable and inclusive economic development in Indonesia.

This research aims to formulate a business development strategy for AK Laundry, a micro, small, and medium enterprise (MSME) located in Palembang that operates in the laundry service industry. As competition in this sector continues to intensify, MSMEs are required to adapt quickly through effective strategic planning. The study employed a descriptive qualitative approach, with data collected through interviews, direct observations, documentation, and questionnaires, ensuring a holistic understanding of both internal and external conditions. The analysis was carried out using the SWOT framework, which identifies internal strengths and weaknesses, as well as external opportunities and threats. The findings reveal that AK Laundry possesses several strengths, including good relationships with its loyal customer base, competitive pricing that appeals to a wide range of market segments, and a strategic location that facilitates accessibility. However, weaknesses were also identified, such as limited promotional efforts, particularly in digital channels, and occasional delays in completing customer orders, which may affect satisfaction and trust. From an external perspective, AK Laundry has opportunities to expand its services, particularly through the growing demand for pickup and delivery facilities, as well as changes in consumer lifestyles that increasingly prioritize practicality and efficiency. Nevertheless, the enterprise must also address potential threats, such as intense competition in pricing strategies among similar businesses and the risk of item loss, which could undermine its reputation. Based on the SWOT matrix, AK Laundry is positioned in Quadrant I, indicating that it holds considerable potential for aggressive growth. Therefore, the recommended strategies include strengthening digital marketing initiatives, introducing innovative services to differentiate from competitors, enhancing employee competencies through training programs, and upgrading equipment to improve service quality and speed. These strategies are expected to help AK Laundry leverage its strengths and opportunities effectively, ensuring sustainable development and competitiveness in the MSME laundry service sector.