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This qualitative research aims to explore the role of Strategic Financial Fluency (SFF) as a catalyst for growth in Micro, Small, and Medium Enterprises (MSMEs). The study employs a multi-method approach integrating literature review, case studies, and expert interviews to construct a comprehensive understanding of SFF and its impact on MSMEs' growth trajectories. Sampling techniques involve purposive sampling of MSMEs representing diverse industries and geographical locations to ensure comprehensive data collection. Data analysis employs thematic analysis, focusing on identifying patterns and themes related to SFF adoption, utilization, and its influence on business growth. The findings reveal that MSMEs equipped with Strategic Financial Fluency demonstrate higher adaptability, resilience, and growth potential. Moreover, SFF facilitates informed decision-making, efficient resource allocation, and strategic planning, thus fostering sustainable growth in MSMEs. This research contributes to the existing literature by highlighting the pivotal role of financial literacy and strategic financial management in enhancing the competitiveness and growth prospects of MSMEs in a dynamic business environment.

This study aims to investigate the significance of financial literacy in empowering Micro, Small, and Medium Enterprises (MSMEs). The research model adopts a qualitative approach to explore the nuanced factors affecting financial literacy among MSME owners and its impact on their businesses. A purposive sampling technique is employed to select participants from diverse MSME sectors. Data is collected through in-depth interviews and focus group discussions. The analysis utilizes thematic coding to identify patterns and themes within the qualitative data. The findings highlight the crucial role of financial literacy in enhancing the resilience and sustainability of MSMEs. Moreover, the study underscores the need for tailored financial education programs targeted at MSME owners to improve their financial management practices and foster business growth in a dynamic economic landscape.

This training plays a crucial role in providing training to 37 participants in Nagari Bukit Batabuah, Agam Regency. It focuses on micro, small, and medium-sized enterprises (MSMEs) in the region. Pre-training needs analysis helped the community service team understand the challenges faced by the partners and identify their primary needs. Survey data indicates that the majority of participants have been actively involved in various business sectors, with many already owning their businesses. Income analysis suggests income variation, with most participants falling into the middle and upper-middle-income categories. In the context of digital marketing, Shopee emerges as the primary platform chosen by participants, while diversification through WhatsApp Business, Facebook, and Instagram is also evident. This training provides a deep understanding and practical skills to MSME entrepreneurs, assisting them in developing effective marketing strategies and leveraging the full potential of online media for business growth

Micro, Small and Medium Enterprises (MSMEs) play an important role in economic growth in Indonesia. Positioning Branding or brand identity is very necessary for every business, but in reality, few MSME players pay attention to brand positioning or brand identity themselves. Therefore, the purpose of this article is to provide information regarding the benefits obtained by paying attention to branding positioning for MSME players. By paying attention to brand positioning, MSME players can understand the benefits of their own brand positioning and hopefully be able to compete. We hope that this article can help solve the problems of MSME players in terms of their own brand positioning.

Micro, Small and Medium Enterprises have a very important role in the national economy. One of the drivers of MSMEs is women who contribute 64% of Indonesian MSMEs. Finance has a very important role in starting a business. Based on the information we got, it can be concluded that Dharma Wanita mothers are still confused about how to start a business from their husband's limited income, therefore we help Dharma Wanita mothers how to manage their income so that they can set aside part of their income which will be used as capital in starting a business. The method of implementing this service is carried out by means of presentations and interactive discussions. The result of this service was that the women of the Dharma Wanita Association of the National Park Hall were very enthusiastic about the event. This could be seen from the many questions asked related to family financial management

This webinar discusses the importance of technological innovation in accounting information systems to enhance the efficiency and effectiveness of financial management among Micro, Small, and Medium Enterprises (MSMEs). By leveraging technologies such as cloud computing and integrated accounting information systems, MSMEs can improve transparency, accuracy, and speed in financial reporting, ultimately supporting better strategic planning and decision-making. The findings from this webinar reveal that many MSMEs still rely on traditional methods to assess financial health, which are inadequate to face the current economic challenges. The speakers emphasized the importance of good risk management and effective branding strategies to achieve sustainable business growth. By adopting new technologies and implementing prudent financial management, MSMEs can maintain their competitiveness in the dynamic global market.

Marketing strategy is a very important thing for a company to do to develop and improve the quality of its products. This strategy can be carried out by any business, be it a large business, medium business, small business or micro business. In this research the author gave the title 'Analysis of Marketing Strategies Carried Out by Small Businesses'. The purpose of this research is to provide information to readers or entrepreneurs regarding the marketing strategies carried out by the Dgilangemil business. From the research, readers and entrepreneurs can take examples of what the Dgilangemil small business did in developing their business which they started from zero until their business began to be known by many people using the marketing strategy of SWOT Analysis and Marketing Mix. In this research the author used a qualitative descriptive research method. Qualitative research is a research process carried out by observing and investigating a phenomenon that occurs and producing descriptive data. In this research, the author conducted observations, interviews and documentation with the owner of this business, namely Dea Puspita, which was carried out on December 11 2023 at the production site in the city of Langkat.

The activity partner is the Arrahmah women's group, a coastal community of Pinggir Papas who processes mangroves into cookies. This processed mangrove product has relatively low marketing where it is only produced when there is an order for an important exhibition or event. Generally, mangrove cookies are sold in bulk or without packaging. Where the packaging used is plastic packaging without labels or product information. One effort that can support the development of the mangrove cookies business is by providing attractive and informative packaging technology so that it can increase product purchasing power. Partners themselves do not yet have the skills to design attractive packaging that can increase product purchasing power. As is the problem with micro businesses, the skills possessed by partners in entrepreneurship and creating product attractiveness are still low. One effort to improve product marketing is by designing attractive packaging and providing entrepreneurial training to partners. The output of this activity is partner empowerment in the form of increasing entrepreneurial skills and increasing product attractiveness through attractive and informative packaging designs. Other outputs from service activities are online mass media publications and article publications in the national journal ISNN.]

This research aims to discuss the opportunities and challenges of the world of work in the era of globalization in Mojowatesrejo village as a driving force for the development of Micro, Small and Medium Enterprises (MSMEs). The research results show that globalization means the process of bringing information, thoughts, lifestyles and technology into the world scope. In the era of globalization, business people have to compete with competitors all over the world. Globalization has expanded markets and reduced geographic boundaries, but it has also increased intense competition. In facing challenges and taking advantage of opportunities, collaboration, innovation and focus on customer needs will be the keys to success. Article 28D paragraph (1) Every person has the right to recognition, guarantees, protection and fair legal certainty as well as equal treatment before the law.

Most of the residents of RW 01 Gunung Anyar Tambak Village, Gunung Anyar District, Surabaya, make a living as fishermen. Shrimp paste is the main product for micro, small, and medium enterprises (MSMEs) in the area, made from fish and shrimp. The sale of shrimp paste MSMEs in the area is limited to promotion through WhatsApp or simply word of mouth, so there is a need to develop MSMEs to improve the local economy. In the activity of the SDG’s KKNT Work Program for Group 1 of Gunung Anyar Tambak Village, MSMEs are developed by obtaining NIB (Business Identification Number) and PIRT (Food and Beverage Production Permit). By obtaining NIB, the business will be legally guaranteed to meet the requirements for Business and Commercial or Operational Permits. The function of PIRT itself is to increase customer confidence, as product safety and quality are ensured.

The national economy in Indonesia is currently increasing, especially in the Small, Micro and Medium Enterprises (MSME) sector. In the business process, obtaining a permit is considered very important. For micro business actors, having legality is a necessity and a necessity for the continuity of their business. There are approximately 10 MSMEs in Bulu Village, but these actors do not yet have an NIB (Business Identification Number). Apart from that, there are many business actors who have not branded their products with name labels. The implementation of service activities is divided into 4 stages, firstly conducting observations, secondly providing counseling about the importance of NIB and product rebranding, thirdly implementing activities, and finally evaluation. NIB's mentoring services and product rebranding for micro-entrepreneurs in Bulu Village provide positive benefits. Initially they thought that arranging a business permit was complicated, long and expensive, but after receiving assistance they understood that the procedure for obtaining an NIB permit is very easy through OSS and there are many benefits for business actors who have labeled their products so that they are more widely known by relevant consumers. quality, composition, brand, production code and legality

Micro, Small, and Medium Enterprises (MSMEs) are a crucial sector in economic growth. However, they often face challenges in financial management, including accurate and reliable financial reporting. Based on a research activity, it was found that a significant portion of MSMEs do not regularly manage and present financial information. This is attributed to several issues encountered by MSMEs. The main identified problem is the limitation of competent human resources. Most MSMEs lack adequate financial experts. Additionally, some MSMEs face issues such as a lack of understanding of proper financial recording for informed business decision-making. Constraints in time and knowledge of financial management also hinder effective financial information management. This research was conducted on MSMEs located in Bandar Lampung. The sampling technique employed was purposive sampling, in which the researcher specified certain criteria to filter an appropriate sample size deemed relevant to the research objectives. A questionnaire was utilized as a research tool, employing the Structural Equation Model (SEM) for data analysis, including outer model and inner model testing. The research findings indicate that the quality of financial information positively influences the performance of MSMEs in  Bandar Lampung.

Refers to the Government of the Republic of Indonesia Regulation No. 7 of 2021 on the facilitation, protection, and empowerment of cooperatives and micro, small, and medium-sized enterprises. With this we from the team of lecturers of the Information Systems study program to implement from the government regulation of the Republic of Indonesia No.7 of 2021, for the preparation of business development strategies of SMEs in the utilization of technology. Utilizing digital technology to introduce its products and services to the public at large, especially among people with disabilities (Diskraf). This can be done either through online chat applications (Whatsapp, LINE, telegram, etc.), social media (Facebook, Instagram, Twitter, etc.), online stores on various e-commerce platforms (Bukalapak, Tokopedia, Blibli, etc.), own websites, to the use of various applications or other business support software. ESQ Business School (STIMIK ESQ), with the University's tri dharma program namely Community Service, ESQ College of Management Science and Computer Science, the Information Systems study program provides coaching, strategy workshops, and information technology for the management of a business/business. This strategy direction can be used in the future by MSME managers/participants in carrying out their business or business processes. Therefore, if a business process performs the strategy and mastery of the Information System well, then the business will be successful in carrying out their business or business in the future.

This study aims to analyze the role of Islamic microfinance institutions in developing micro and small businesses in Indonesia through the distribution of funds based on sharia principles. The method used is a literature review to identify how Islamic financing schemes, such as mudharabah and musyarakah, contribute to increasing access to capital for small business actors. The results of the study show that Islamic microfinance institutions provide more inclusive and fair financing and business assistance and management of social funds such as zakat, infaq, and sedekah. This supports the growth of micro and small businesses and improves the community's economic welfare. However, several challenges remain, such as low Islamic financial literacy and limited capital. Therefore, this study recommends the need for innovation in Islamic financial technology and increased public education to expand the reach and effectiveness of Islamic financial services for micro and small businesses.

The development of the business world has increased rapidly in the modern era like today. This causes intense competition between business actors in developing their products in the face of developments in the business world. Micro, small and medium enterprises or MSMEs now play a very important role in the growth of the economy in Indonesia. Mrs. Maubah's porridge business is one of the MSMEs in Cilegon City, Banten which operates in the food sector. This business can provide jobs for the local community. My mother's porridge business itself is a type of food business which sells various variations of porridge and various other fried foods. This research aims to find out what marketing strategies are implemented by Ibu Majadi's porridge business to increase sales. Carrying out a SWOT (Strength, Weakness, Opportunity, and Threat) analysis in determining the marketing strategy. This research is included in qualitative descriptive research, because it aims to describe the situation of phenomena in the field. Researchers used data collection methods in research, namely observation and interviews. To find out how the strategy is used, the Swot Analysis Method (Strength, Weakness, Opportunity and Threat). From the results of the SWOT analysis, it was concluded that the results of the IFAS (Internal Factor Analysis Summary), for the strength and weakness variables, each obtained a strength value of 1.89, while a value of 1.00 was obtained for weaknesses. This means that the strengths of Mrs. Matahu's porridge business are greater than the weaknesses. Meanwhile, the value obtained for the EFAS (External Factor Analysis Strategy) Matrix was 1.47 for opportunities, while the value for threats was 0.64. This means that for Mrs. Matahu's porridge business, the opportunity value is greater than the threat value. From the results of the SWOT analysis, it was found that Ibu Ma's porridge business has strengths and opportunities so that it will be able to take advantage of existing opportunities. The strategy that must be implemented in this condition is to support the policy of growing aggression.

It is hoped that the growth and development of entrepreneurship can reduce the number of unemployed and increase prosperity. The entrepreneurial spirit of today's students has begun to decline because most students who have the mindset of wanting to work for a company do not want to create jobs. Entrepreneurship is the ability and willingness to develop, manage and running a business, including taking the risks involved in it to achieve profits, therefore an entrepreneurial spirit is very important for students. There are very few MSMEs (Micro, Small and Medium Enterprises) nowadays due to people's interest in entrepreneurship and their lack of knowledge or insight into entrepreneurship.As for problems with MSMEs in Indonesia, such as weak business management capabilities, limited quality of human resources (HR), and weak access to financial institutions, especially banking. These businesses usually do not have a bookkeeping system, have difficulty expanding the business scale, and still have limited capital. Therefore, this independent entrepreneurship program can foster an entrepreneurial spirit and improve the quality of SMEs. The independent entrepreneurship program activities launched by the Ministry of Education and Culture are intended to study as well as exploring students' abilities to improve their entrepreneurial spirit and urging students to improve their entrepreneurial skills and make a positive impact on society.

The purpose of this research is to find out what records are carried out by Micro, Small and Medium Enterprises in preparing their financial reports and to find out the preparation of financial reports using SAK EMKM for Micro, Small and Medium Enterprises. The method used is a qualitative descriptive method. The results of this research are that MSMEs at Putri Solo Restaurant do not keep records or bookkeeping regarding the entry and exit of financial reports and MSMEs at Putri Solo Restaurant do not record their financial reports in accordance with financial accounting standards for micro, small and medium entities (SAK EMKM). They only rely on memory to measure the amount of expenditure on production activities and these MSMEs also believe that their business does not need to record financial reports according to applicable standards.

This study examines the significance of the taxpayer identification number (NPWP) for micro, small, and medium-sized enterprises (MSMEs) through case studies of two distinct industries: the salon industry and the Timor Sea grilled fish industry. A tax notification known as NPWP is necessary for all taxpayers, even MSMEs. In these two businesses, the lack of an NPWP has several detrimental effects, such as restricted financial access, transaction prohibitions, and legal restrictions. Financial surveillance and possible third-party cooperation are also impacted by this. In order to assist MSMEs in expanding and improving their enterprises, this study examines NPWP. In addition to being a tax requirement, having an NPWP is crucial for the growth of MSME enterprises

Micro, Small and Medium Enterprises or what are usually called MSMEs have an important role in national economic development efforts in Indonesia. From year to year, the number of MSMEs in Indonesia has increased quite rapidly. However, there are still many MSME business actors who have not registered their trademarks due to limited capital and information about the benefits they receive. Trademark registration is considered to increase people's purchasing power towards a product because it can be used as a characteristic or differentiator from other products. Trademark registration can also receive legal protection for a product's trademark. Therefore, the use and legal protection of a trademark is considered very important for MSMEs. This research discusses the use of brands to increase income and legal protection for the Sego Pedes Basman Umkm Brand. The research uses qualitative research with a normative juridical approach method.

MSMEs Ning Saudah is an instant herbal medicine product business located on Jalan Penjaringan Sari, Rungkut District, Surabaya. The owner of the business is named Nur Saudah. This research explores the role of product and packaging innovation in improving branding in Micro, Small and Medium Enterprises (MSMEs) in the instant herbal beverage sector, with a focus on the case study of MSME "Ning Saudah". Instant herbal drinks have great potential in the modern consumer market who is increasingly concerned about a healthy lifestyle. The challenges faced by MSMEs involve price competition, changes in consumer trends, and ambitions to expand market share. This research aims to analyze the influence of product and packaging innovation on increasing the branding of "Ning Saudah" MSMEs. The implementation method involves a two-month Merdeka Entrepreneurship (WMK) internship, with steps such as product analysis, research and development, production, packaging innovation, testing, marketing and evaluation. The research results show that through product and packaging innovation, "Ning Saudah" MSMEs succeeded in strengthening the attractiveness of the product and creating a strong brand image. A well-planned marketing and branding strategy also contributes to increasing product visibility. This internship program not only provides benefits for MSMEs in overcoming challenges, but also provides valuable experience for students.