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The purpose of this research is to formulate a model for the Strategy to Enhance Competitiveness and Sustainability of SMEs in Supporting Independence in East Java. The research method is descriptive qualitative. Data collection techniques include observation, interviews, and documentation. Data analysis techniques use 1) Data reduction, 2) Data display, 3) Data triangulation, 4) Data verification. The informant determination technique uses indepth interviews with key informants such as SME actors, relevant agency officials, representatives from East Java's SME Banks, and academics. The results of data analysis and literature review indicate that the Strategy to Enhance Competitiveness of SMEs in East Java focuses on the adoption of digital marketing (utilization of social media, marketplaces, and e-commerce), product and process innovation (development of unique and quality products, production efficiency), as well as strengthening partnerships and collaborations with various parties (government, financial institutions, large companies) to expand market access and resources. The strategy for enhancing the sustainability of MSMEs in East Java heavily relies on prudent financial management practices (cash flow management, access to affordable financing such as Prokesra and Dagulir), compliance with legal and certification requirements (PIRT, halal, BPOM), as well as the potential implementation of circular economy concepts for resource efficiency and waste reduction. The strategy supporting the independence of MSMEs in East Java focuses on a comprehensive empowerment program, including entrepreneurship training and intensive mentoring for capacity building, ease of access to capital, and facilitation of business matching and exhibitions/bazaars for network and market expansion. The active role of the government and supporting institutions is crucial in creating a conducive ecosystem. The relationship between competitiveness, sustainability, and independence of SMEs is synergistic and mutually reinforcing. Increasing competitiveness directly contributes to economic sustainability. Sustainability creates stability that allows SMEs to continue innovating and enhancing their competitiveness. Meanwhile, independence empowers SMEs to be proactive in achieving competitiveness and sustainability, with the ability to make strategic decisions and adapt to changes. Overall, SMEs in East Java have great potential to continue growing and contributing to the economy. However, sustained support through appropriate policies, relevant empowerment programs, and facilitation of access to essential resources will be key to realizing SMEs that are not only competitive and sustainable but also fully independent.

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role as the backbone of Indonesia’s economy through their significant contribution to employment creation and Gross Domestic Product (GDP). However, many MSMEs continue to face structural challenges, including limited managerial capacity, low levels of innovation, and weak adaptation to digital transformation. In response to these challenges, entrepreneurship education has emerged as a strategic instrument for strengthening MSME competitiveness and sustainability. This study aims to analyze the role of entrepreneurship education as a development strategy for MSMEs in supporting Indonesia’s economic growth. Employing a descriptive qualitative approach with a case study design, this research examines several MSMEs that have participated in entrepreneurship education and training programs organized by government and educational institutions. The findings reveal that entrepreneurship education contributes to strengthening entrepreneurial mindset, improving managerial and financial skills, encouraging business innovation, and enhancing digital technology adoption among MSME actors. Moreover, entrepreneurship education supports business resilience and market expansion, enabling MSMEs to adapt to dynamic economic conditions. These findings indicate that entrepreneurship education is not merely a capacity-building tool, but a strategic policy instrument for developing competitive and sustainable MSMEs. Therefore, the institutionalization of integrated and continuous entrepreneurship education is essential to optimize the role of MSMEs in fostering inclusive and sustainable economic growth in Indonesia.

The main issue faced by MSME actors is limited capital, which hinders business development and their well-being. This study aims to evaluate the impact of the micro-financing program on improving the well-being of MSME actors, with a case study at the "Maju Makmur" Women’s Cooperative in Minggirsari Village. Using a qualitative approach, the study found that the provision of capital to MSME actors in the cooperative has been well-implemented and has had a positive impact, particularly in increasing income, economic activities, and the ability to meet daily needs. Supporting factors for the success of this program include government funding support, good cooperative management, clear implementation and technical guidelines, and community support. On the other hand, hindering factors include the presence of other financial institutions in the village, causing cooperative members to have savings in other places, as well as bad loans and a lack of socialization regarding the micro-financing program. Overall, the micro-financing program at the "Maju Makmur" Women's Cooperative has significantly benefited the improvement of MSME actors' well-being in Minggirsari Village.

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.

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 study aims to explore the perceptions of students, micro, small, and medium enterprises (MSMEs), and the general public regarding the role of the Merah Putih Cooperative in supporting and strengthening economic development. Cooperatives are recognized as important economic institutions that promote collective welfare, particularly for small-scale entrepreneurs. This research adopts a descriptive survey method, with data collected through questionnaires distributed to 30 respondents representing students, MSME actors, and community members. The data were analyzed using descriptive techniques to capture respondents’ views on the cooperative’s contribution to economic activities. The findings indicate that the majority of respondents perceive the Merah Putih Cooperative as playing a significant and strategic role in supporting the growth of micro-enterprises. The cooperative is considered effective in expanding business networks, facilitating cooperation among members, and contributing to improvements in members’ economic welfare. In addition, respondents believe that the cooperative helps strengthen local economic resilience by encouraging mutual support and shared economic interests. However, the study also reveals several challenges that need to be addressed. Respondents highlighted the need for improvements in service efficiency, organizational management, and access to capital to ensure that the cooperative’s benefits are distributed more evenly. Strengthening institutional capacity, enhancing transparency, and increasing financial accessibility are essential steps to optimize the role of the Merah Putih Cooperative in sustainable economic development.

Micro, Small, and Medium Enterprises (MSMEs) are one of the sectors that have an important role in supporting Indonesia's national economy. Its contribution is enormous to the Gross Domestic Product (GDP), job creation, and increased innovation, especially in the face of global economic challenges and social inequality. This research aims to examine in depth the role of MSMEs in encouraging Indonesia's economic growth and identify various challenges faced by this sector. The method used in this study is library research, by analyzing various sources of scientific literature, policy reports, and relevant empirical data related to the role of MSMEs. The results of the study show that MSMEs not only contribute to increasing national GDP, but also become the main driving force in providing jobs for the community, especially in rural and suburban areas. In addition, MSMEs are also an important means in the development of local innovation, especially in the use of simple technology that is in accordance with community conditions. However, MSMEs also face a number of serious challenges that can hinder their contribution to economic growth. These challenges include limited access to digital payment systems, low quality of human resources (HR), weak marketing networks, and limited capital and technology. Thus, to increase the role of MSMEs in national economic development, synergy is needed between the government, the private sector, and financial institutions in providing comprehensive and sustainable support. The support includes training on human resource capacity building, access to capital, digital transformation, and strengthening the business ecosystem. This research is expected to contribute to the development of policies that favor the empowerment of MSMEs in Indonesia.

Islamic economics emerged as an alternative system based on Islamic principles to overcome inequality and social injustice in the conventional economic system. This article aims to examine the role of Islamic economics in achieving social justice through four main pillars: digitization of Islamic finance, empowerment of Sharia-based MSMEs, strengthening Islamic microfinance institutions, and optimizing ZISWAF (zakat, infaq, sadaqah, and waqf). This study uses a qualitative method with a literature review approach using national and international journals published since 2021. The results of the study show that Islamic economics has great potential in building a fair, inclusive, and sustainable economic system if supported by technological innovation, integrative policies, and improving public literacy. This research emphasizes the need for synergy between the government, Islamic financial institutions, business actors, and the community to strengthen the role of the Islamic economy in national development. In addition, it is necessary to strengthen regulations and cross-sector collaboration so that the implementation of the Islamic economy can run optimally in various lines of life. With sustained support, Islamic economics is believed to be able to be a solution to complex modern economic challenges.

The development of Micro, Small and Medium Enterprises (MSMEs) is very important in supporting economic growth in the city of Medan. In the context of sharia economics, MSMEs act as the backbone of the economy, creating jobs, diversifying products, and empowering communities. However, they are faced with challenges such as limited access to capital, education, and regulations. This research analyzes the role of MSMEs from a sharia perspective, identifies challenges, and provides policy recommendations. The results show that MSMEs play an important role in overcoming poverty, creating diverse local products, and supporting an inclusive economy. Therefore, solutions are needed to financial, educational, marketing and regulatory challenges. Support from the government, financial institutions and universities together with sharia economic development can optimize the contribution of MSMEs in supporting sustainable economic growth in Medan City. In this way, MSMEs can become a driving force for economic growth which will have a positive impact on the people of Medan City.

This study aims to enhance the financial performance of Micro, Small, and Medium Enterprises (MSMEs) by applying sharia economic principles, with a focus on business sustainability and open innovation. MSMEs are vital to the Indonesian economy but often face challenges such as limited capital, restricted market access, and low sharia financial literacy. Using a sharia economic framework rooted in principles of fairness, transparency, and sustainability, the study explores innovative strategies to boost the competitiveness of MSMEs. The open innovation approach promotes collaboration between MSMEs and various stakeholders, including sharia financial institutions, government agencies, and local communities, to create a supportive environment for sustainable development. The findings suggest that integrating sharia economic principles with open innovation can enhance operational efficiency, strengthen financial structures, and positively impact the long-term sustainability of MSMEs. Based on these results, the study recommends that MSMEs incorporate this approach into their financial management practices to navigate global economic challenges and achieve sustainable growth.

Mudharabah financing is a form of cooperation between shahibul mal (capital owner) who provides all the capital to mudharib (the manager). The profit sharing used in mudharabah financing, in this case there are two parties who make a business agreement, then the results of the business carried out by both parties or one of the parties, will be divided according to the portion of each party to the agreement. The purpose of this study is to determine the implementation of the profit-sharing system of mudharabah financing used to develop businesses in today's modern era. The research method used is literature review through literature study to collect data and research information by collecting materials from journals and scientific articles on mudharabah financing with profit sharing system. From the results of this study, the number of business actors in today's modern era, with the high need for small business capital, especially street vendors who at the same time find it difficult to fulfill the procedures for obtaining funding in the banking sector, this is a great opportunity for Sharia Financial Institutions (LKS) such as Baitul Mal wa Tamwil (BMT) to provide a forum for street vendors (mudharib) by issuing Mudharabah financing with the aim of improving the performance and income of a Micro, Small and Medium Enterprises (UMKM). So that mudharabah can play a role in sharia-based economic development and the growth of modern industrial society.

Industry is an economic sector that uses machines and labor to produce goods or services. Manufacturing, mining, construction, energy, and technology are some of the industry subsectors. Each subsector has an important role in economic growth and development of the country. Industry plays an important role in meeting society's needs, creating jobs, increasing national income, and encouraging innovation. Small and Medium Industries (IKM) consist of small and medium enterprises operating in various sectors. SMEs make an important contribution in creating jobs, local economic growth and national industrial development. The government has paid great attention to the development of MSMEs through various programs and policies, as well as support from the private sector and financial institutions.    

Micro, Small and Medium Enterprises (MSMEs) are one of the important sectors in the Indonesian economy. MSMEs contribute 60.7% to Indonesia's GDP, absorb 97% of the workforce, and support 99% of Indonesia's population. Therefore, empowering MSMEs is one of the government's priorities in order to increase economic growth and community welfare. The research in this article uses qualitative research methods. In this research, to obtain information or data on these problems comes from literature (library research). This research uses processing and analysis of secondary data collected through literature study and secondary data analysis. Islamic financial institutions have the potential or significant influence on the growth of micro, small and medium enterprises. Considering that capital is the weak point of MSMEs. With the existence of sharia financial institutions, business actors have access to greater capital and can achieve their goals in business development.

Islamic financial institutions provide facilities that can be used by the community in the business sector to open up opportunities to build UMKM. UMKM are the main productive and competitive actors in the national economy. For this reason, the development of micro, small and medium enterprises needs to be the main priority of national economic development. This study aims to describe the role of Islamic financial institutions for UMKM in realizing economic development. This type of research is a literature review research with data sources obtained through a search on google schoolar with a number of predetermined variable keys. The results of this study include the role of financial institutions in the economy including the transfer of assets, transactions, liquidity and efficiency. Islamic financial institutions were established with the aim of promoting and developing the application of Islamic principles, sharia and their traditions into financial and banking transactions and related businesses.