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This study aims to analyze the influence of financial literacy, digital payment, and interest in using e-commerce on the income of MSMEs in the trade sector in Surakarta City. Financial literacy reflects the ability of business owners to manage finances effectively, while digital payment and e-commerce play a crucial role in supporting transactions and digital marketing. Data were collected through questionnaires distributed to 115 respondents selected using purposive sampling. The results of multiple linear regression analysis indicate that financial literacy, digital payment, and interest in using e-commerce have a significant positive effect on MSME income. These findings highlight the importance of improving financial literacy and adopting digital technology as strategies to enhance MSME performance and income. 

This study aims to examine the effect of the implementation of the Quick Response Code Indonesian Standard (QRIS) in increasing business income, especially for Micro, Small and Medium Enterprises (MSMEs) using the Technology Acceptance Model (TAM) approach. The method used in this study is a descriptive quantitative approach, which aims to provide an overview of the QR Code implementation. The population in this study involved MSME owners, with a sample taken from 100 respondents through non-probability sampling techniques. Data collection was done through questionnaires. Data analysis includes testing research instruments to assess data quality (validity and reliability), classical assumption test (normality), as well as multiple linear regression analysis and hypothesis testing (t test and F test). The results show that QRIS implementation and user satisfaction have a significant influence on increasing MSME income, which supports TAM theory regarding the importance of perceived usefulness and perceived ease of use in technology acceptance. However, other variables, such as QRIS usage literacy, convenience of use, and QRIS service price, did not show a significant influence on MSME income. Simultaneously, these factors still have an effect on MSME income, although with different variations in influence.

The aim of this study is to analyze the simultaneous effects of financial inclusion, financial literacy, MSME investment, and unemployment on MSME income and the unemployment rate in Indonesia. We used a simultaneous equation method with the observed variables being financial literacy, financial inclusion, the number of MSMEs, MSME labor, MSME investment, MSME income, and unemployment. The data used is secondary data covering the period from 2011 to 2022. The results show that the variables of financial inclusion, financial literacy, MSME investment, and unemployment have a significant partial and simultaneous effect on MSME income. From the equation, financial inclusion, financial literacy, and MSME investment have a positive effect on MSME income, while unemployment has a negative effect on MSME income. Furthermore, the variables of the number of MSMEs, MSME labor, and MSME income have a significant partial and simultaneous effect on unemployment. From the equation, the number of MSMEs, MSME labor, and MSME income have a negative effect on unemployment.