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Study This aiming For analyze influence access financing , system recording finance , and cash management towards sustainability of Micro , Small and Medium Enterprises (MSMEs) stalls meatballs in Regency Bojonegoro . Research sample consists of of 30 UMKM stall players selected meatballs​ by purposive sampling. Data were analyzed using validity , reliability and t-test tests . Research result show that system recording finance own influence significant to sustainability of UMKM stalls meatballs in Bojonegoro . Increasingly Good system recording applied finance , the more tall possibility business For persist . On the contrary , access financing No show influence significant to sustainability business . Findings This indicates that UMKM in Bojonegoro need more notice repair system recording finance they . This is can done through training , mentoring , or use technology information . In addition , research this also highlights importance internal factors such as quality products , marketing strategies , and capabilities management in determine sustainability business .

This community service program aims to empower Micro, Small, and Medium Enterprises (MSMEs) through business development based on the sharia economy. MSMEs have a strategic role in the economy, but still face various challenges, especially in the application of sharia economic principles that can increase competitiveness and the desire to do business. This program is designed to improve Islamic financial literacy, introduce business contracts in accordance with sharia, and provide halal digital marketing training. The method of implementing the activity includes a participatory approach with various stages, ranging from problem identification, training, mentoring, to success evaluation. The target of the program is MSME actors in certain regions who have great potential to adopt the concept of sharia economics in their businesses. The results of this activity showed an increase in participants' understanding of the concept of sharia economics, followed by changes in business practices that are more in line with Islamic principles. Some participants began to implement sharia contracts in their transactions, access sharia financing, and take advantage of halal branding-based digital marketing. This program also found several obstacles, such as low initial understanding of the sharia economy, limited access to Islamic financial institutions, and resistance to changes in the business system. However, through intensive strategy education and support from various parties, most of these challenges can be overcome. The conclusion of this activity is that business development based on the sharia economy can be a solution for MSMEs in increasing their competitiveness in the wider market. The next program recommendations include strengthening digital-based education, increasing access to sharia capital, and establishing a sharia-based MSME community as a forum for collaboration and sustainable business development.

This research examines the perceptions of MSME actors regarding the implementation of MSME tax policies in Indonesia, The aim of the research is to explore in depth the perceptions of MSME actors towards tax policy and identify the factors that influence it. The research method used is qualitative phenomenology, with data collection through in-depth interviews with MSME actors. The research results show a diversity of perceptions, ranging from positive views which see policies as supporting business formalization and opening access to financing facilities, to negative views which see them as an additional burden, especially for businesses with thin margins. Factors that influence perceptions include the level of tax knowledge, business experience, characteristics of the business sector, access to information, and the ability to utilize technology. The research conclusions emphasize the need for a more nuanced and adaptive approach in the formulation and implementation of MSME tax policy. The government needs to consider the diverse characteristics and needs of the MSME sector, increase tax education and outreach, and improve the accessibility of tax information and services. Continuous dialogue between policy makers and MSME actors is needed to develop an effective tax system in increasing state revenues and supporting the growth of the MSME sector.

Business legality is something that MSMEs must have. Business legality is a business identity and a form of protection provided by the government for perpetrators MSMEs. Another benefit of legal business ownership is to expand access to MSME financing provided by the government and access to financing from banks. Problems that occur is that many MSME players do not understand how important it is to have business legality the. Apart from that, there is an opinion that managing complicated business legalities is one of them the reason why MSMEs are reluctant to take care of their legality. This service activity has the aim of:educate regarding the urgency of business legality for MSMEs. This activity was carried out in Sengon Village, Bendungan subdistrict. The results of this activity can be seen from the enthusiasm of the participants in participating technical guidance activities on the legality of MSMEs and increasing their knowledge.

Business legality is something that MSMEs must have. Business legality is a business identity and a form of protection provided by the government for perpetrators MSMEs. Another benefit of legal business ownership is to expand access to MSME financing provided by the government and access to financing from banks. Problems that occur is that many MSME players do not understand how important it is to have business legality the. Apart from that, there is an opinion that managing complicated business legalities is one of them the reason why MSMEs are reluctant to take care of their legality. This service activity has the aim of:educate regarding the urgency of business legality for MSMEs. This activity was carried out in Sengon Village, Bendungan subdistrict. The results of this activity can be seen from the enthusiasm of the participants in participating technical guidance activities on the legality of MSMEs and increasing their knowledge.

In recent years, demand for these products has increased along with awareness of the beauty and durability of bengkirai wood. Although SMEs contribute significantly to the Indonesian economy, they face challenges, including access to financing and production efficiency. This study aims to understand how Rumah Parquet accounts for costs related to maintaining environmental quality in its production process. The methodology used included interviews and regression data analysis to calculate Cost of Goods Manufactured (COGS), Operating Expenses (BOP), and profit and loss statements. The results show that Rumah Parquet has not fully integrated environmental quality costs in the COGS calculation, which has an impact on profitability and business sustainability. The findings provide insights for industry players on the importance of better cost management to improve product competitiveness. This research also contributes to the literature by highlighting environmental aspects in cost calculation in the SME sector.  

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

There are various types of financing in Islamic banking or financial institutions, one of which is mudharabah financing. This financing is a cooperation agreement between the capital owner (shohibul mal) and the fund manager (mudharib) for a business, where the profit is shared according to the agreed percentage based on the profit obtained. Mudharabah financing is closely related to UMKM, where UMKM owners, especially housewives, play an important role in managing family finances. This study aims to examine what are the challenges for UMKM in using the mudharabah contract and what are the advantages of using the mudharabah contract. The method used in this study is qualitative research with a descriptive approach, as well as descriptive data analysis through literature studies from scientific journals and books. The results of this study indicate that mudharabah financing can help the community in improving UMKM.

Micro, small and medium enterprises (MSMEs) are facing huge challenges in adapting and surviving after the Covid-19 pandemic. The role of government is key in providing support and appropriate policies to help MSMEs. This study examines the role of the Yogyakarta government in facilitating the post-pandemic adjustment of MSMEs and analyzes various factors that affect MSME survival. These factors include the decline in MSME income and how the government's role can help increase it, limited resources and access to financing, innovation in business, and community and government support. Through literature studies and interviews with MSME actors, this research concludes that with the right support, MSMEs can overcome post-pandemic challenges and grow sustainably.

This research aims to analyze the role of sharia economics in the management of social media-based Micro, Small and Medium Enterprises (UMKM). The development of information technology, especially social media, has opened up new opportunities for MSMEs to access wider markets. However, amidst the dynamics of the digital market, the application of sharia economic principles in managing social media-based MSMEs is very important to maintain business sustainability and ensure fair and transparent transactions.. By implementing business models such as mudharabah and musyarakah, social media-based UMKM can optimize financing potential without dependence on interest, as well as strengthen relationships with customers through ethical transactions. The research results show that the application of sharia economics in managing social media-based MSMEs not only improves business performance, but also has a positive impact on brand strengthening, customer loyalty and social empowerment. However, the main challenge in implementing sharia economics in social media-based MSMEs lies in the limited education and understanding among business actors.      

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.

Digitalization has become a crucial factor in enhancing the competitiveness and growth of Micro, Small, and Medium Enterprises (MSMEs) in developing countries, particularly within the ASEAN region. This study aims to explore the impact of digitalization on MSME growth in Indonesia, the Philippines, and Vietnam through a Systematic Literature Review (SLR) approach. These three countries were selected due to their substantial economic potential and evolving levels of technology adoption, yet each faces unique challenges in digital transformation. The study analyzes literature on the role of digitalization in improving market access, operational efficiency, and MSME financing, identifying key drivers and barriers specific to each country. Findings reveal that digitalization significantly contributes to enhancing productivity and sustainability for MSMEs, though challenges related to infrastructure, digital literacy, and regulatory frameworks present notable obstacles. This review aims to provide insights for policymakers and MSME stakeholders in optimizing digitalization strategies to foster economic growth in ASEAN.

In the era of free markets, Micro, Small, and Medium-Sized Enterprises (MSMEs) must fulfill specific conditions in order to compete. In order to help business actors—particularly craftspeople and MSME actors—better expand their enterprises, community service activities are necessary because many of them still lack business legitimacy. The purpose of this activity is to introduce the company Identification Number (NIB), which may be obtained online, and to raise awareness of the need of maintaining company licenses. The Indonesian government wants to make business actor registration easier by using the Online Single Submission (OSS) to submit NIBs. The provision of business legality theory and practice is part of this support. The purpose of this study is to arm business actors with information and expertise about creating NIB so they may grow their enterprises. The findings demonstrated that the community's comprehension of creating NIB, which each and every business actor must own, had improved. Because the NIB has granted legal status to the firm, it has made doing business simpler. MSME participants in Seberang Sanglar Village also benefit from protection from the government, easy access to financing, government empowerment, and support for their business growth.

MSMEs play a crucial role in the economy. However, the performance of MSMEs is often not optimal due to various challenges, such as limited access to financing, lack of financial literacy, and high dependence on government policies. This study aims to analyze the effect of financial literacy and government policies on the performance of MSMEs in Depok City. A quantitative research design was applied in this study. Primary data were obtained from the results of a questionnaire distributed to 100 selected MSME actors using the accidental sampling method. Data collection was carried out in August - September 2024. Data analysis used the Smart Partial Last Square (PLS) 4 program which includes measuring the outer model and inner model. In testing the outer model, convergent validity, discriminant validity, and composite reliability tests were carried out. In testing the inner model, an evaluation was carried out on multicollinearity, R-squared, goodness of fit, F Square, and path coefficients. The results of the study showed that both financial literacy and government policies had a positive effect on MSME performance, but were not statistically significant. The results of this study imply that financial literacy and government policies need to be improved in terms of implementation and relevance to provide a more tangible impact on MSME performance. Financial literacy programs and policies need to be more tailored to the specific needs of MSMEs and supported by ongoing support to have a significant impact.

This community service aims to improve the financial literacy of MSMEs in Krikilan Village, Kalijambe District, Sragen Regency through training in the use of the SIAPIK application from Bank Indonesia. SIAPIK, or the Financial Information Recording Application System, is designed to make it easier for MSMEs to record financial transactions and prepare financial reports in accordance with MSME Financial Accounting Standards. Participants in this activity were MSMEs from Krikilan Village, Kalijambe District, Sragen Regency, totaling 20 people. This activity involved socialization and training using lecture, dialogical, and direct practice methods. The implementation of the training on July 18, 2024 showed positive results, with MSME participants now having a better understanding of the use of the SIAPIK application. This program is expected to improve the technical skills of MSMEs, facilitate access to financing, and improve the quality of their financial reports.

The development of information technology that is currently developing serves to facilitate, accelerate, benefit and provide other alternatives for people who have businesses and have a big influence in the future. One of the things that is very influential is the sale of MSMEs. MSMEs are productive businesses owned by individuals or business entities that have met the criteria as micro businesses that have an important role in the economy because they provide employment, encourage local economic growth, and create innovation. MSMEs still face challenges such as limited access to financing, digital readiness, and marketing access that hinder the development of MSMEs. Therefore, it is necessary to take action to predict MSME sales in Binjai City using the backpropagation method so that later it can create new innovations and encourage community economic growth. Based on the process carried out using the backpropagation method, it can be seen that the value obtained has reached more than the predetermined target with a target value (t) of 0.26, learningrate 0.2, maximum epoch 10000 target error 0.01.

This study analyzes the impact of Corporate Social Responsibility (CSR) initiatives by PT Bank Rakyat Indonesia (Persero) on the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia by 2024. Using a qualitative research approach with in-depth interviews and direct participatory observation of MSME stakeholders who benefit from BRI's CSR programs, the study reveals significant positive results. CSR interventions not only enhance the capacity and competitiveness of MSMEs but also improve their access to financing. Furthermore, the research highlights the broader social and environmental impacts of BRI's CSR, confirming its role in encouraging sustainable business practices among MSMEs. The research findings show strong synergies between BRI's CSR efforts and local government support, which enhances the program's effectiveness and reach across different regions of Indonesia. This research underscores the critical role of CSR in driving inclusive economic development and sustainable growth in Indonesia, advocating for continued support and refinement of CSR strategies as a key driver of economic empowerment and environmental stewardship.

Based on the existence of a sharia pawnshop product called ARRUM BPKB which is specifically intended for UMKM (Usaha Mikro, Kecil dan menengah/Micro, Small and Medium Enterprises) who need additional capital. However, in the pawning process, the customer must pay the maintenance fee for the pawned goods or what is called mu'nah. Because of this additional cost in the process of maintaining the pawn item, there is an opinion that says that the additional maintenance costs contain riba. Therefore, the aims of this study is  to find out how the determination of mu'nah (maintenance costs for pawn items) and the suitability of the determination of mu'nah based on Fiqh Muamalat. This research is Qualitative research with the type of case study. In this research, the analysis of various factors related to this problem was carried out. This research used an approach through observation to Pegadaian Syariah Kramat Raya, Central Jakarta. The primary sources in this study is the data collected by researchers from Sharia pawnshops, such as documents and interviews, while secondary sources in this study is relevant literature. The results of this study indicate, 1) the determination of mu'nah on ARRUM BPKB products in sharia pawnshops is by considering the risk amount of the guarantee itself. 2) Mu'nah determination on BPKB ARRUM products for UMKMs in Sharia Pawnshops is in accordance with Fikih Muamalah and Fatwa Number 92 / DSN-MUI / IV / 2014 regarding accompanied financing (Rahn Al-Tamwil Al-Mautsuq bi Al-Rahn) that mentions mu ' nah (maintenance or guarding services) for marhun, the amount of which must be determined at the time of the contract as referred to as ujrah in the  ijârah contract.

Micro, Small and Medium Enterprises or MSMEs have an important role in the economy in Indonesia. Business legality that is officially recognized by the government, such as a Business Identification Number, is the main prerequisite for gaining consumer trust and access to various other business opportunities, including financing and partnerships. The aim of this activity is to provide assistance to Bu Suwarti Semen Tape MSMEs regarding NIB creation, starting from the registration process to NIB processing so that the business is recognized as legal by the government, and by developing branding for the Bu Suwarti Semen Tape product, it can increase the attractiveness and competitiveness of its products. on the market. The MSME assistance work program is carried out using several methods including surveys, observations, interviews and discussions, as well as mentoring. This assistance is carried out in two stages, namely assistance in creating a Business Identification Number which starts from the registration process to processing the NIB so that the legality of the business is recognized by the government. Next, the second stage is assistance with MSME branding through creating a visual identity which aims to increase the attractiveness and competitiveness of this tape product on the market.

The Covid pandemic has had an impact on the declining performance of MSMEs in Kupang City. Various efforts have been made by the government to save MSMEs and one of them is use of digital marketing. This study aims to determine the impact of the use of digital marketing on the performance of SMEs in Kupang City and identify the obstacles faced by SMEs in the use of digital marketing. The results of this study indicate that using digital marketing in marketing products/services to MSMEs in Kupang City is able to have an impact on sales growth, increasing income, expanding market reach and increasing the number of customers. In addition, there are several obstacles faced by MSMEs in using digital marketing, namely lack of understanding of business via the internet, limited financing, unprepared labor, lack of availability of supporting facilities, unstable internet network, and distrust of business in internet