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This qualitative research aims to explore the role of Strategic Financial Fluency (SFF) as a catalyst for growth in Micro, Small, and Medium Enterprises (MSMEs). The study employs a multi-method approach integrating literature review, case studies, and expert interviews to construct a comprehensive understanding of SFF and its impact on MSMEs' growth trajectories. Sampling techniques involve purposive sampling of MSMEs representing diverse industries and geographical locations to ensure comprehensive data collection. Data analysis employs thematic analysis, focusing on identifying patterns and themes related to SFF adoption, utilization, and its influence on business growth. The findings reveal that MSMEs equipped with Strategic Financial Fluency demonstrate higher adaptability, resilience, and growth potential. Moreover, SFF facilitates informed decision-making, efficient resource allocation, and strategic planning, thus fostering sustainable growth in MSMEs. This research contributes to the existing literature by highlighting the pivotal role of financial literacy and strategic financial management in enhancing the competitiveness and growth prospects of MSMEs in a dynamic business environment.

The main objective of this research is to determine the direct influence of career adaptability and perceived organizational support on employee performance. The population and sample in this study were 120 permanent employees of the Royal Prima Medan Hospital. This type of research is quantitative. Data was obtained from distributing questionnaires. Data analysis uses Smart Pls, where it is hoped that the results of this research will be able to predict employee performance. The research results show that career adaptability and perceived organizational support directly affect employee performance. Then, perceived organizational support is assessed as the most dominant variable in influencing employee performance.

In the ever-evolving digital era, disruption challenges face Micro, Small, and Medium Enterprises (MSMEs), including STIE Ganesha students who are preparing to enter the business world. This research explores management strategies that can help MSMEs face disruption in the digital era. Using a qualitative approach, this research aims to identify disruption trends, challenges faced, and effective management strategies. The research was conducted over six months, involving in-depth interviews with MSME owners who have experienced digital disruption. Data analysis used a qualitative approach by formulating patterns of findings that emerged from the interviews. The results showed that the strategy of STIE Ganesha students in facing disruption is the adoption of MSME digital technology, understanding of data and analytics, continuous innovation, focus on customer experience, collaboration and partnerships, increasing cyber security, increasing human resource capacity, flexibility and adaptability of creative marketing understanding of business legal aspects. The implication of this research is to provide practical guidance for STIE Ganesha students who will later run or support MSMEs. Research limitations include limitations in the number of samples and focus on local cases.

The discovery of various efficient technologies has become a benchmark in development in all sectors. Artificial Intelligence (AI) and the Internet of Things (IoT) are growing rapidly. This study aims to determine the analysis of the technological adaptability of countries in the world and its comparison to readiness in Indonesia. This is because the ability to adapt technology has a close relationship to the economy in a country, both in terms of economic contribution and the labor market sector. This research uses data with parameters such as Gross Market Value (GMV), Global Connectivity Index (GCI), and GDP. As well as data on industry development in Indonesia. This research was conducted with a descriptive analysis method that uses content analysis steps to interpret the results of existing statistical exposure. The results of the research analysis show that a very significant government policy today is an investment in technology and communication infrastructure. Then to boost the economy, financing is the most needed factor today. Readiness to meet the demographic bonus can be done by developing the digital skills of the workforce in all sectors. Therefore, infrastructure, financing, and scientific integration of technology are the most crucial policies today.