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This study aims to analyze the understanding of Micro, Small, and Medium Enterprises (MSMEs) in Harjosari II Village regarding Islamic financial inclusion and its contribution to expanding access to business capital financing. Although the national financial inclusion index continues to increase, the implementation of Islamic financial inclusion still faces challenges at the grassroots level. This research used a descriptive qualitative method with data collection techniques consisting of observation, documentation, and in-depth interviews with MSME owners in Harjosari II Village and staff from KSPPS & BMT Syariah Sejahtera (SS) Medan. The findings show that MSME owners’ understanding of Islamic financial inclusion is influenced by religiosity and the perception of justice through the profit-sharing system. Islamic financial inclusion is implemented through a kinship approach and simplified administrative procedures for the informal sector. However, the main obstacles to expanding financing access include limited Islamic financial literacy, restricted financing ceilings, and entrepreneurs’ lack of confidence in formal banking procedures. Islamic financing contributes to increasing production capacity and providing spiritual peace of mind by offering capital alternatives free from usury (riba). This study recommends strengthening direct technical socialization and implementing more flexible financing ceiling policies to support MSME growth in suburban areas.

The increasing poverty rate in West Bandung Regency has encouraged BAZNAS to introduce the Z-Mart programme, which provides business capital assistance as an effort to improve community income. The effectiveness of the programme is assessed based on its ability to achieve predetermined targets and comply with organisational regulations. This study adopts a quantitative approach, involving 151 mustahik as the population, with 61 mustahik selected as the sample to complete the questionnaire. The objective of this study is to evaluate the effectiveness of zakat fund distribution on mustahik income in the Z-Mart programme implemented by BAZNAS of West Bandung Regency. Data analysis using SPSS version 25.0 indicates that the independent variable (X) contributes 59.8 per cent, and that the effectiveness of zakat distribution has a significant effect on mustahik income (R-square = 0.357). Regression analysis reveals that a one-point increase in distribution effectiveness contributes to a positive increase of 0.814 points in mustahik income. The t-test results show that the calculated t-value (5.725) exceeds the critical t-value (1.671), indicating acceptance of the alternative hypothesis and rejection of the null hypothesis. Therefore, this study concludes that the distribution of zakat funds through the Z-Mart programme is effective in improving the income level of mustahik in BAZNAS of West Bandung Regency.

Poverty in the Special Region of Yogyakarta (DIY) remains a significant issue despite a decline in poverty rates in recent years. This study aims to identify the factors influencing poverty in DIY from social, economic, and structural perspectives, as well as to evaluate policies that can address this issue. The method used in this research is a literature review through a Systematic Literature Review (SLR), examining various relevant sources on poverty in DIY and the poverty alleviation policies implemented in the region. The results of the study indicate that poverty in DIY is caused by several main factors, such as income inequality, low-quality education, low skill levels among the population, and limited access to business capital and productive resources. One policy that has proven effective in reducing poverty is the provision of access to capital and productive resources through microcredit schemes and agrarian reform. These programs not only provide capital but also enhance the ability of the poor to manage their businesses. These findings offer important insights into understanding poverty in DIY and suggest that policies supporting the empowerment of the poor through education, skills, and economic access can be an effective solution to reduce poverty in the long term..

This research investigates the strategic role of the National Amil Zakat Agency (BAZNAS) of Cirebon City in fostering economic independence among mustahik (zakat recipients) through productive zakat programs that incorporate digital technology. The focus of this study is to explore how BAZNAS' empowerment initiatives go beyond simply providing capital by integrating structured business mentoring and facilitating digital transformation to stimulate entrepreneurial progress. By employing a qualitative approach with a case study framework, the research examines the real impact of BAZNAS' programs on the livelihoods of mustahik. Data for the study were gathered through semi-structured interviews with 12 mustahik participants, program coordinators from BAZNAS, and local field facilitators. Additionally, observations during entrepreneurship workshops and analysis of official documentation provided supplementary data to strengthen the research findings. The study reveals three key outcomes: increased access to business capital for productive ventures, a growing adoption of digital tools in the operations of micro-enterprises, and enhanced financial independence achieved through business development. The findings show that BAZNAS Cirebon City has effectively contributed to improving mustahik's business management skills, expanding their access to digital markets, and supporting sustainable entrepreneurship. These efforts align with the broader goal of zakat-based empowerment, especially in the context of digitalization. The study emphasizes that the integration of digital tools is vital to empower mustahik and increase their productivity, as it enhances their ability to reach broader markets and manage their businesses more efficiently. Furthermore, the research offers practical recommendations aimed at expanding digital literacy among mustahik, promoting technology-based entrepreneurship, and improving the delivery of digital financial services within zakat distribution programs. These recommendations seek to enhance the overall effectiveness of zakat-based empowerment initiatives in the digital age.

This research is motivated by the lack of UMKM Development Strategy by the Office of Small and Medium Enterprises Cooperatives and Trade in Tambaksari Village, Ciamis Regency. The purpose of this study was to determine how the umkm development strategy by the cooperative office of small and medium enterprises and trade in Tambaksari village, Ciamis Regency. The research method used is qualitative research with descriptive analysis.  The results showed that the umkm development strategy by the Office of Small and Medium Enterprises Cooperatives and Trade was not optimal, because there were obstacles, namely the lack of purchasing power of the community, the relatively small income of traders, and there was nothing from the Office of Small and Medium Enterprises Cooperatives and Trade related to business capital for business actors. This research can make umkm develop more widely and sustainably and can provide benefits and understanding of umkm development strategies by the Office of Cooperatives, Small and Medium Enterprises and Trade.

This study is a research in the field of Public Administration that aims to describe the conception of community empowerment in improving economic income through the development of local coffee products in Winduaji Village. The approach used is descriptive qualitative with a case study design. Research informants were selected using purposive sampling technique, with data sources including primary and secondary data. The focus of this research encompasses empowerment aspects that are oriented toward community needs, based on local potential, encouraging independence, environmentally oriented, and structurally based. The data analysis technique uses an interactive model. The research results show that the concept of community empowerment through local coffee development in Winduaji Village, Paguyangan District, Brebes Regency has been running quite well. This program has successfully increased community capacity in coffee processing and opened business opportunities through strengthening the identity of local coffee products with the branding "Kopi Kebon Winduaji". Nevertheless, there are still challenges such as limited technical knowledge in cultivation, lack of business capital, and suboptimal market access. Overall, this empowerment program has a positive impact on improving the community's economy, although it still requires continuous assistance to achieve more optimal results.

This study aims to find out how Program Keluarga Harapan (PKH) in reducing poverty in Molibagu Village, Bolaang Uki District, South Bolaang Mongondow Regency and analyze what factors affect the effectiveness of Program Keluarga Harapan (PKH) in reducing poverty in Molibagu Village, Bolaang Uki District, South Bolaang Mongondow Regency. By using a qualitative method, a descriptive approach with an ethnographic research design. Data collection techniques through interviews, observations and documentation. Data analysis is carried out by means of data reduction, data presentation, and conclusion drawn. The results of the study show that Program Keluarga Harapan (PKH) in Molibagu Village, Bolaang Uki District, South Bolaang Mongondow Regency aims to reduce poverty by providing cash assistance to very poor families, especially those who have vulnerable members such as toddlers, pregnant women, school-age children, the elderly, and people with disabilities. Through this assistance, Program Keluarga Harapan (PKH) focuses on increasing family access to education, health, and welfare, so that it can reduce the economic burden they face. The factors that affect the effectiveness of Program Keluarga Harapan (PKH) in Molibagu Village, Bolaang Uki District are internal and external factors. Internal factors ensure the effectiveness of Program Keluarga Harapan (PKH) by ensuring the accuracy of aid receipts, smooth administration, recipient satisfaction, and officer performance in data collection, distribution, and mentoring. External factors focus on improving family welfare through access to quality education, as well as the social and economic impacts that can be obtained from employment opportunities, business capital, and market support that support family economic development.

This study aims to analyze the factors that influence the income of coffee shop businesses in Kintamani District, Bangli Regency, by integrating both traditional and digital factors. Specifically, the research examines the effects of capital, operating hours, selling price, number of customers, and the use of e-money on coffee shop income. Using a quantitative approach, the study applies multiple regression analysis to investigate the relationships between these variables. The findings reveal that both traditional factors such as business capital and operating hours, as well as modern factors like e-money usage, have a significant impact on the income of coffee shop businesses in Kintamani. This research not only fills a gap in the existing literature but also offers practical insights for business actors in the coffee shop industry, particularly in high-tourism areas like Kintamani.  

The capital market becomes a place for investors to invest capital and share company for to obtain flow of funds as additional business capital. Capital market conditions are influenced by factors macro that are social, economic, and political. Political factors are very influential in trading stocks in 2024​​ that is election general (election). Research objectives This is for know whether There is difference before and after announcement results presidential election 2024 to the capital market sector energy, technology, infrastructure. Research This use approach event study and is study quantitative. Taking samples in research This use purposive sampling. The data used consists of on ten-day price closing stocks and trading volume share sector energy, infrastructure, and technology listed on the Indonesia Stock Exchange. The data analysis method used in study is a t-test difference analysis model. The results of the study This show No existence difference abnormal returns and trading volume activity before and after announcement results election president 2024 in the sector energy, technology, and infrastructure.

This study aims to determine the role of the government in moderating the influence of economic needs, accessibility, business capital on the existence of street vendors in Bekasi City. This research is a quantitative research. The subjects in this study were street vendors in Bekasi City. The population in this study was 15,402 street vendors, based on data from  the Bekasi City Cooperative and Small Business Office. The results   of the validity test of the person correlation  are that all variables count > rtabel, a(0.05) and the reliability test of all these  variables are above 0.600. The number of samples in this study was 390 street vendors. The sampling technique uses cluster sampling. |The data analysis technique used was multiple linear regression analysis and moderating regression analysis (MRA) using the help of IBM SPSS Statistics version 26 for windows.The aims of this research are as follows: (1) Economic needs affect the existence of street vendors in Bekasi City with a parameter coefficient value of 0.179 with a significant level of 0.000<0.05 (2) Accessibility has an effect on the existence of street vendors in Bekasi City with a parameter coefficient value of 0.211 with a significant level of 0.000 < 0.05 (3) Business capital has an effect on the existence of street vendors in Bekasi City with a parameter coefficient value of 0.184 with a significant level of 0.000 < 0.05 (4) The role of the government as a moderating variable (economic needs *existence of street vendors) is able to moderate the effect of economic needs on the existence of street vendors in Bekasi City with a parameter coefficient value of 0.129 with a significant level of 0.034 < 0.05 (5) The role of the government as a moderating variable (accessibility*existence of street vendors) is able to moderate the effect of accessibility on the existence of street vendors with a parameter coefficient value of 0.183 with a parameter coefficient value of 0.183 with a significant level of 0.005 < 0.05 (6) The role of the government as a moderating variable (capital*existence of street vendors) is able to moderate the effect on the existence of street vendors with a parameter coefficient value of 0.222  with a significant level of 0.019 < 0.05

Kendari City''s micro-enterprises struggle with limited capital and low product innovation, with 60% facing difficulties accessing capital. This study aims to examine the relationship between business capital and micro-enterprises'' performance, with product innovation strengthening this relationship. Policy support is crucial for improving competitiveness and sustainability. This study investigates the effect of business capital on business performance in micro enterprises in Kendari City, focusing on product innovation as a moderating variable. Data was collected from 50 respondents using the Slovin formula and Structural Equation Modeling (SEM) method. The study validated and tested the data for reliability and validity, providing an overview of the relationship between business capital and performance. Business capital significantly influences business performance, product innovation, and overall performance. Its Path Coefficient is 0.011, with a T-Statistic value of 9.875, above the threshold of Z α 0.05. Product innovation also positively influences business performance, with a Path Coefficient of 0.004 and a T-Statistic value of 2.855. Business capital''s influence on product innovation is fairly large, exceeding the threshold. Business capital significantly impacts the performance of Micro, Small, and Medium Enterprises (MSMEs) in Kendari City, enhancing product innovation, competitiveness, and market competitiveness. A synergistic strategy utilizing sufficient capital fosters innovative capabilities, resulting in improved performance.

Since 2017, the Ministry of Agrarian Affairs and Spatial Planning/Head of the National Land Agency has been tasked by President Joko Widodo to complete land registration across Indonesia by 2025 through the Complete Systematic Land Registration Program (PTSL). Based on Ministerial Regulation ATR/BPN Number 12 of 2017, updated with Number 6 of 2018, this program aims to provide legal certainty and protection of land rights for the community. However, many people, especially in North Gorontalo Regency, still do not understand how to obtain land certificates due to a lack of information and education about PTSL. This research aims to explore government policies that provide land ownership certificates as legal protection for the community. Better coordination is needed between local governments and the Ministry of ATR/BPN to raise public awareness of the importance of land certificates, which not only guarantee ownership but can also be utilized as business capital. The PTSL program is expected to improve community welfare and reduce land disputes. Research findings indicate that public understanding in North Gorontalo Regency remains low, with obstacles such as a lack of information, complicated procedures, and limited access. Government policies need to include regulatory simplification and increased transparency as well as public services.

The Indonesian economy is largely driven by Micro, Small, and Medium Enterprises (MSMEs), which play a vital role in economic growth. MSMEs have proven resilient during economic crises. This study analyzes the impact of Information Technology, Creativity, and Business Capital on MSME sustainability using quantitative methods. Data from 115 MSMEs were gathered through structured questionnaires. The t-test results reveal that Creativity significantly influences MSME sustainability. Similarly, Information Technology and Business Capital have significant positive impacts, aligning with existing literature. The coefficient of determination (R²) of 43.7% shows that these three variables explain variations in MSME sustainability. To enhance Information Technology utilization, MSMEs should improve data systems and provide training for managers. Creativity can be strengthened by fostering innovation and organizing brainstorming sessions. For Business Capital, MSMEs need investment strategies focused on long-term growth. Additionally, increasing market value through product innovation and collaboration is crucial. These efforts are expected to support the sustainability of MSMEs in Bandar Lampung’s fashion sector.

This study aims to determine the marketing strategy of sangkuriang catfish seeds (Clarias gariepinu var) in Tawamelewe Village, Uepai District, Konawe Regency using SWOT analysis. The respondents in this study were the owner of a catfish hatchery, Mr. Nengah Sama. The results of the analysis of the sangkuriang catfish hatchery business began in 2013 with a pond area of ​​20 ares, until now in 2024 with a pond area of ​​2 ha. The business capital is IDR 3,000,000-5,000,000. up to the current capital of IDR 30,000,000.-50,000,000. The monthly income of UPR Nengah Surya mina reaches IDR 6,000,000.- IDR 8,000,000. if demand is high, the monthly income reaches IDR 8,000,000.- IDR 10,000,000. The results of internal and external factors, the strength factor of the Sangkuriang Catfish Seedling Business in Tawamelewe Village, Uepai District is superior compared to its weaknesses. The opportunity factor in the current condition is quite large compared to its threats. The Sangkuriang Catfish Seedling Business in Tawamelewe Village, Uepai District is currently in Quadrant I, a company that is in quadrant I is a very profitable situation. The company has opportunities and strengths so that it can take advantage of existing opportunities. The strategy that can be done is by supporting aggressive business growth.

Economic development carried out at the Village level is the duty and obligation of the Village Government starting with identifying potential, grouping resources, empowering groups or individuals so that they are able to independently develop their potential. The aim to be achieved is to describe the development of creative industry-based community businesses in Saguling Village, Baregbeg District, Ciamis Regency. The research method used by the author is descriptive qualitative research, so that data collection was carried out by carrying out literature studies and field studies (with interviews and observations) and analysis was carried out using data triangulation. This research was carried out in Saguling Village, Baregbeg District, Ciamis Regency. Based on the results of interviews and the author's observations, creative industry-based community business development in Saguling Village, Baregbeg District, Ciamis Regency has not been implemented optimally. This is due to the discovery of problems, including the limitations of business actors in competing with the same competitors, making them unable to survive, then also not wanting to switch to digitizing business products, making business development difficult, and also limited levels of productivity due to limited business capital. business actors are unable to develop.

The fishermen face two seasons, namely the fish harvest season and the famine season, where these two seasons greatly affect the income earned by fishermen. In the fish harvest season, fishermen earn relatively large incomes, while in the lean season, fishermen earn relatively little income so that fishermen need to have a strategy in carrying out family financial planning. The purpose of this study was to analyze the financial planning strategies of fishermen's families during the lean season and the fish harvest season. This study uses descriptive qualitative research methods with the number of research respondents of 10 fishermen in sibolga and data collection techniques through in-depth interviews. The results showed that during the fish harvest season, the family's financial planning strategy was to save and serve as business capital. Meanwhile, during the family season, the family's financial planning strategy is a coping strategy by reducing daily expenses and increasing income.

This research was conducted in PT. Autostar Mandiri Teknotama Medan with the aim of analyzing the influence of business location, business capital and digital marketing partially and simultaneously on business income.The research population is 65 consumers who come and buy four-wheeled vehicle spare parts products from the company. The research sample uses a saturated sample so the total sample is 65 respondents. The type of data used is primary data and the data source uses secondary data. Data collection techniques use questionnaires, observation and documentation. Data analysis techniques are descriptive statistics, data quality testing, classical assumption testing, multiple regression analysis, hypothesis testing and coefficient of determination using the SPSS program. The research results show that business capital and digital marketing partially have a positive and significant effect on business income in the company, while business location does not have a significant effect on business income. Simultaneously, business location, business capital and digital income have a significant effect on business income.There is a very strong correlation between business location, business capital and digital marketing on company business income. Business income in the company can be explained by business location, business capital and digital marketing at 67.4% and the remaining 32.6% can be explained by other variables that were not studied such as distribution, price, service, marketing communications and so on.    

Business management is the science and practice that encompasses planning, organizing, directing, and controlling organizational resources to achieve established goals. It involves coordinating various aspects of business activities to ensure the sustainability, growth, and success of the organization. In the novel titled "Lupus N’Work" by Hilman, Lupus and his friends intend to establish a business that arises from their desire not to depend on others and to increase their allowances. However, as their business progresses, a new and more formidable business competitor emerges due to their seriousness. The aim of this research is to determine the implementation of business management by Lupus in Lupus N’Work and to examine whether it aligns with the Business Management Process according to Sarinah. The research method used is the Qualitative Research method, involving a series of steps, including in-depth data collection, analysis, and interpretation. The results obtained using qualitative research methods indicate that the Management Process is in line with the business management process outlined in the book "Introduction to Management" by Sarinah.

This research will focus on the evaluation of socio-economic development policies in Sape District, Bima Regency, with the aim of understanding the extent to which development efforts have achieved their goals. This study employs a qualitative descriptive method and a Literature Review. The research location includes the Bima Regency Development Planning Agency, the Department of Tourism, the Department of Marine and Fisheries, the Department of Environment, and the Department of Social Affairs of Bima Regency. The research findings indicate that Sape District has significant economic potential in the fisheries and agriculture sectors, but it still faces a considerable level of poverty, especially among coastal households. The economic empowerment of coastal communities needs to be enhanced through skills training programs, financial assistance for business capital, and improved access to business loans. Furthermore, a specific focus on generating employment opportunities, particularly for young people, is essential. Poor infrastructure and limited accessibility pose significant obstacles to economic development. Investments in infrastructure improvement, such as roads and ports, are required to enhance mobility and market access. Sustainable natural resource management is vital for preserving the potential of fisheries and agriculture in the area. Strict law enforcement against illegal fishing practices and educational efforts to promote sustainable fishing practices are necessary. Climate change impacts, including rising sea levels and extreme weather conditions, affect the region. Therefore, strategies for climate change adaptation and mitigation need to be developed. The evaluation of socio-economic development policies indicates that assistance programs have been implemented, but there is a need for improvement in directing policies toward poverty alleviation, economic empowerment, and sustainable natural resource management.

This research aims to describe the application of the precautionary principle in dealing with bad credit and to determine the assessment in providing financing to PT. BSM Kcp Script. This type of research is descriptive qualitative, data collection techniques use interviews and documentation, data analysis uses qualitative data analysis techniques using inductive thinking, and this research data uses primary data sources obtained from supporting sources, namely books, the internet and literature. other. PT. BSM Kcp Aksara has applied the precautionary principle in bad credit using the 5C principle analysis, which includes Character, Capacity, Capital, Condition and Colliteral as well as producers that customers must go through in submitting financing applications, providing financing, paying financing installments and obstacles to bad credit. . The results of this research, PT. BSM Kcp Aksara in implementing the principle of prudence in the financing that has been carried out is not good enough, BSM provides financing by emphasizing the 5C principle which includes Character, Capacity, Capital, Condition and Collateral. The important thing in providing financing to customers is Collateral (Guarantee). Judging from the results of customer data, the 5C principle has not been able to completely prevent bad credit due to the Account Office (AO) being less careful in analyzing financing. However, BSM's consistency in handling problematic financing customers has been carried out according to producers by collecting them periodically and providing warning letters I, II and III in stages.