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This study investigates the role of Baitul Maal wa Tamwil (BMT) in empowering Micro, Small, and Medium Enterprises (MSMEs) through the integration of Maqashid Sharia principles and financial inclusion strategies. Despite the strategic importance of MSMEs in economic growth and poverty reduction, many face challenges in accessing formal financial services. BMT, with its dual function of social (maal) and commercial (tamwil) activities, offers a unique platform to bridge this gap. Using a qualitative systematic literature review guided by PRISMA, this study analyzes 30 relevant articles to examine BMT operational models, implementation of Maqashid Sharia objectives, financial inclusion practices, and their impact on MSME performance. Findings indicate that BMT effectively supports MSMEs in capital access, income generation, and business resilience, but inconsistencies in balancing social and commercial objectives limit. holistic empowerment. Integrating Maqashid Sharia principles enhances ethical and sustainable outcomes, while financial inclusion expands outreach to underserved entrepreneurs. Optimization strategies, including strengthening institutional capacity, combining financial and non-financial support, and context-specific interventions, are essential for maximizing BMT effectiveness. This study contributes a comprehensive framework linking ethical, financial, and empowerment dimensions, offering practical guidance for policymakers and BMT managers in promoting inclusive and sustainable MSME development.

This study explores the urgency of halal certification for food and beverage Micro, Small, and Medium Enterprises (UMKM) in Indonesia following the implementation of Law Number 33 of 2014. Despite the enactment of regulations, various obstacles such as low halal literacy and bureaucratic complexity remain major challenges. This study aims to analyze the strategic role of Islamic religious instructors as agents of empowerment and da'wah (Islamic outreach) in assisting UMKM in their halal certification process. Using qualitative methods with a library research approach, data was collected through a search of relevant literature and regulations, then analyzed using content analysis techniques. The study results indicate that Islamic religious instructors perform four crucial functions: literacy educators, access facilitators, motivators of Islamic economics, and policy mediators. Optimizing these roles can be achieved through capacity building, digitalization of mentoring, and integration of community networks. The study concludes that strengthening the role of instructors is essential to accelerate the implementation of mandatory halal certification and strengthen the Islamic economic ecosystem in Indonesia.

This study aims to analyze the implementation of assistance for issuing Business Identification Numbers (NIB) for Micro, Small, and Medium Enterprises (MSMEs) in Sukodadi District, Lamongan Regency. This assistance program is a government effort to support MSMEs in obtaining business legality regulated through the Online Single Submission (OSS) system. The method used in this study is a descriptive qualitative approach with data collection techniques through in-depth interviews, field observations, and document studies related to program implementation. The results show that NIB assistance has a positive impact on MSMEs' understanding and awareness of the importance of business legality, which was previously neglected. However, there are several obstacles in its implementation, including limited digital literacy among MSMEs and limited internet access in some areas, which hinder the NIB registration process through the OSS system. Furthermore, although assistance has been provided by local governments and related agencies, it is necessary to increase the frequency and quality of assistance to make the NIB registration process easier and more efficient for MSMEs. Therefore, a more intensive mentoring policy based on technology empowerment is urgently needed to support the sustainability of business legality among MSMEs in Sukodadi District.

Micro, Small, and Medium Enterprises (MSMEs) serve as a key pillar of Indonesia’s national economy, contributing significantly to the Gross Domestic Product (GDP) and employment absorption. Nevertheless, MSME actors continue to face various challenges, including limited access to capital, low digital literacy, and bureaucratic hurdles in business licensing. Law Number 11 of 2020 on Job Creation (UU Cipta Kerja) was introduced as a regulatory breakthrough to address these obstacles by simplifying bureaucracy, offering business incentives, and easing access to digital markets. This study focuses on the implementation of this policy in Kampung Batik Turi, Blitar City, a hub of local wisdom-based MSMEs. The research aims to analyze the local-level application of the Job Creation Law, identify supporting and inhibiting factors, and assess its impact on the growth and independence of batik MSME actors. The findings are expected to offer practical recommendations to strengthen the alignment between national regulation and the actual needs of regional MSMEs, fostering more inclusive and sustainable MSME empowerment.

Empowerment is the process of increasing the capacity and independence of individuals and groups so they can develop optimally. Empowerment of UMKM is important because of their strategic role in supporting national economic growth. However, UMKM still face various problems such as legality, capital, marketing, and managerial skills. To support this effort, PLUT was established at the initiative of the Batam City Government to encourage UMKM to move up a class. PLUT Batam City plays an important role through strategic services such as consulting, business mentoring, legal facilitation, training, product and packaging development, as well as promotion and marketing. This study uses a qualitative method with interview, observation, and documentation techniques. The theory used is the Van Meter and Van Horn implementation model which includes six variables: policy objectives, resources, communication, implementer characteristics, socio-economic conditions, and implementer attitudes. This study aims to analyze the implementation of the PLUT program in empowering UMKM in Batam City.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy as labor absorbers and drivers of the local economy. However, this sector often faces various challenges such as limited access to financing, infrastructure, and policy support. This study aims to analyze the role of fiscal policy in encouraging the growth of MSMEs in Indonesia. The methods used are literature studies and secondary data analysis from various official sources, including government reports and national statistical data. The results of the study indicate that fiscal policy instruments such as tax incentives, subsidies, and state spending for MSME empowerment programs have a positive impact on increasing MSME productivity and competitiveness. However, the effectiveness of these policies is highly dependent on targeted implementation and synergy between related institutions. Therefore, a more inclusive, transparent, and adaptive fiscal policy formulation is needed to encourage sustainable economic growth

In an effort to improve the community's economy in Petemon Village, Sawahan Subdistrict, Surabaya City, this research analyzes the empowerment of Micro, Small and Medium Enterprises (MSMEs). The results show that although programs to encourage MSMEs exist, their implementation is not optimal. One of the problems found is the lack of coordination between related agencies, the lack of training and capital distributed for MSMEs, and the lack of monitoring the growth of MSMEs. According to this study, although efforts have been made to support the applicable laws, the implementation of the program needs to be improved, especially in terms of fair distribution, effective socialization, and assistance that suits the needs of MSMEs.

This study analyses the transformation of economic policy based on the results of the 8th Ijtima Ulama of the Indonesian Fatwa Commission which aims to achieve national economic independence. This policy focuses on strengthening the use of domestic products, empowering UMKM, protecting the national workforce and strengthening the Sharia Economy. A qualitative approach was used to explore the views of economic experts regarding the implementation of the policy. The results show that the use of domestic products, empowerment of UMKM, and protection of national labour are strategic steps to reduce economic inequality and improve people's welfare. This study underlines the importance of synergy between the government, businesses and the community in creating a fairer and more inclusive economic system, based on sharia principles, to achieve sustainable economic independence. The findings provide concrete recommendations for the development of more effective and equitable economic policies.

The Jeruk Village in Surabaya is one of the areas that have many Micro, Small, and Medium Enterprises (UMKM) with various types of businesses such as culinary, convenience stores, laundry services, and garment shops. In an effort to maintain legal certainty and enhance the capacity of business actors in facing trade competition in the area, the Surabaya City Government officially enacted Regional Regulation Number 1 of 2021 on the Development and Empowerment of Micro Enterprises. Research results show that the local and sub-district governments provide comprehensive services to the community, especially UMKM that have business permits. The socialization conducted by the Lakarsantri Sub-District in Surabaya includes explanations about the Business Identification Number (NIB) to UMKM actors. Moreover, they also provide support in the business permit application process, including issuing business codes as a form of business activity legality. The implementation of UMKM development and empowerment policies in the Jeruk Village, Lakarsantri Sub-District, Surabaya, reflects several indicators in the Policy Implementation Theory by Merilee S. Grindle. The Lakarsantri Sub-District, especially Jeruk Village, has diligently and effectively implemented this policy, as reflected in various activities, ranging from raising awareness to assisting in the business permit application process. The benefits of this policy are directly felt by both the government and the UMKM owners.

Micro, Small, and Medium Enterprises (MSMEs) are one of the economic sectors that play a crucial role in the economic growth of a country. However, they often face challenges in competing in the increasingly advanced digital era. Therefore, the implementation of digital strategies such as social media and e-commerce platforms has become increasingly relevant to strengthen MSMEs and help them achieve success in the digital economy. This journal concludes by providing recommendations to assist MSMEs in overcoming challenges and maximizing the benefits of implementing social media and e-commerce platforms. These recommendations include training and mentoring in the use of digital technology, the development of targeted marketing strategies, and government policy support to encourage MSME growth through the digital economy.