This research aims to evaluate the impact of the MSME mini festival activities on the development of an entrepreneurial spirit in Datar Village, Warungpring District, Pemalang Regency. This mini festival is designed to promote local Micro, Small and Medium Enterprises (MSME) products and provide a platform for MSME players to interact with visitors and participants. By involving various activities, such as product exhibitions, entrepreneurial workshops, and art performances, this festival is expected to encourage the entrepreneurial spirit, improve business skills, and expand the market for MSME products. The research methodology includes qualitative and quantitative approaches with data collection through surveys, interviews and observations. The survey was conducted to measure changes in motivation and entrepreneurial skills of MSME actors before and after the festival. Interviews were conducted with MSME actors, visitors and festival committee members to gain insight into the impact of the festival. Observations were carried out during the festival to assess the interactions and activities that took place. The research results show that the mini festival has a significant positive impact on the development of an entrepreneurial spirit among MSME players. This festival succeeded in increasing the motivation of MSME players to innovate and develop their products, with an average increase in motivation. Apart from that, the business skills of MSME players also experienced improvements, especially in terms of marketing and financial management. The mini festival also succeeded in expanding the market for MSME products and increasing the visibility of local products.

The impact of the Covid-19 pandemic has affected many various fields, including the people's economy. The affected economic sectors include Micro, Small and Medium Enterprises (MSMEs), both culinary and handicraft businesses and. Their income is declining. This is due to the decline in people's purchasing power. Various efforts were made to deal with the possible business risks faced. However, MSME actors are still faced with various problems, both technical and nontechnical. This condition is a challenge in order to prepare for capital expenditures and the flow of the impact of the pandemic. Various strategies are carried out in order to keep the business running. If the Covid-19 pandemic continues, it is not impossible that some business actors will be able to go out of business to close their businesses. This prediction certainly threatens the Indonesian national economy. This study aims to find out what factors affect the income of MSMEs during the Covid-19 pandemic. The population in this study was 30 members of the Club MSME actors in Banjaratma Village. This research. The results of the factor analysis stated that in this study, 10 factors were found that influenced the decline in MSME income during the Covid-19 pandemic in Banjartma Village. These factors are: social distancing factors, PSBB factors, raw material factors, sales factors, technology factors, fund assistance factors, influencer factors, banking factors, consumption factors, and structural policy factors

The purpose of this study is to determine the effect of interest rates and timeframes on bad debts. This research was conducted at the Sharia Cooperative of the Kertasinduyasa Society, Brebes with a population of 50 respondents. The data collection method in this study was carried out by distributing questionnaires to respondents who had bad debts in the cooperative. The data analysis used is an instrument test which includes validity test and reliability test, classical assumption test which includes normality test, multicollinearity test, and heteroskedasticity test, hypothesis test which includes t test and f test and determination test. From the results of the test conducted, it was concluded that there was a significant influence of the interest rate variable on the bad loan variable with a significance value of 0.007 < 0.05, while the time period variable had no significant effect on the bad credit variable with a significance value of 0.872 > 0.05.