This study aims to analyze the influence of financial literacy, financial technology, and financial management on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Gresik Regency. The background of this study is based on the importance of strengthening the financial aspects of MSMEs as a foundation in facing the challenges of competition and economic uncertainty. The method used is a quantitative approach by distributing structured questionnaires to 96 MSMEs selected through a purposive sampling technique. The collected data were then analyzed using SPSS version 26 software to examine the relationships and influences between variables. The results show that financial literacy has a positive and significant influence on the financial performance of MSMEs. This means that the higher the level of understanding of MSMEs regarding financial management, the better the financial performance achieved. Similarly, the use of financial technology has also been shown to have a significant positive effect. The use of digital financial services such as mobile banking, e-wallets, and digital bookkeeping applications can help MSMEs simplify transactions, financial recording, and access to financing, which ultimately improves efficiency and business results. Meanwhile, the financial management variable shows a moderate influence on financial performance. This indicates that financial planning, recording, and control practices in some MSMEs are still suboptimal and need to be improved to contribute more significantly to business performance. Overall, these findings underscore the importance of improving financial literacy and adopting financial technology as key strategies for strengthening MSME performance. This research provides practical recommendations for MSMEs and stakeholders to enhance their financial management capacity to encourage sustainable business growth in the digital era.

Transformasi digital yang pesat telah mengakselerasi adaptasi pelaku usaha terhadap model pemasaran kontemporer, termasuk pemanfaatan marketplace digital seperti Shopee. Evolusi perilaku konsumen, yang kini semakin mengandalkan teknologi dan layanan berbasis internet, telah memicu dinamika anyar dalam strategi pemasaran produk. Di tengah persaingan yang kian intensif, implementasi fitur interaktif semacam siaran langsung (live streaming) dan reviu pelanggan daring (online customer review) tampil sebagai instrumen krusial dan strategis dalam mempengaruhi kecenderungan serta resolusi pembelian konsumen. Penelitian ini berfokus pada pengujian intensitas pengaruh kedua variabel tersebut terhadap keputusan pembelian konsumen di marketplace Shopee, khususnya di wilayah Kecamatan Kota Pamekasan. Pendekatan kuantitatif diaplikasikan dalam studi ini, dengan metode pengumpulan data menggunakan kuesioner daring yang disebarkan kepada 60 responden, yang dipilih melalui teknik purposive sampling. Analisis data dilakukan dengan metode regresi linier berganda guna mengevaluasi relasi dan dampak antarvariabel. Hasil penelitian mengindikasikan bahwa baik secara simultan maupun parsial, variabel live streaming dan reviu pelanggan daring mempunyai pengaruh signifikan terhadap keputusan pembelian. Lebih lanjut, analisis pengaruh dominan mengungkap bahwa review pelanggan daring memiliki pengaruh yang lebih kuat dibandingkan dengan siaran langsung. Implikasi dari temuan ini menegaskan betapa esensialnya konten berbasis pengalaman konsumen dan interaktivitas real-time dalam mendorong keputusan pembelian di ekosistem perdagangan digital. Secara praktis, riset ini menawarkan implikasi bagi pemasar digital untuk merancang strategi komunikasi pemasaran yang lebih adaptif dan berorientasi konsumen (consumer-centric) agar dapat berkembang di era ekonomi digital.

Improving the village economy is an important global issue in village economic development in Indonesia. The village economy is a forum for converting opportunities into economic value by carrying out management and operational activities. Operational activities are related to managing input into output by providing added value. Sustainable economic development in villages is important in supporting national economic development. The aim of this activity is that village communities can process marine products in the village so that they have a higher selling value. Apart from that, using marine products can improve the economy so that it can increase people's income. Based on the results of service in Pagagan village, the village economy has improved, and village people can process marine products in Pagagan village so that they have a higher selling value. Apart from that, the use of marine products can improve the economy so that it can increase people's income. Supported by government, non-governmental organizations, and local community initiatives, the village economy can develop significantly, contributing to more equitable national development. Improving the village economy aims to improve community welfare through the natural resources available in the village. Apart from that, economic development in Pagagan village can open up new job opportunities so that the people in the sea will become economically prosperous.

Examining the potential relationship between audit quality and factors like independence, competence, and time pressure is the primary goal of this study. Auditors from Surabaya-area Public Accounting Firms (KAP) make up the sample population used in this study. There were a total of 51 respondents selected using a purposive selection technique. Descriptive statistics, validity, and reliability tests were performed on the data before analysis. Following this, do the traditional set of tests for assumptions, which includes the tests for normality, multicollinearity, and heteroskedasticity. Multiple linear regression analysis is used in this study. Coefficient of determination (R2), partial test (t test), and simultaneous test (F test) are the outcomes of hypothesis testing. This study's hypothesis testing findings reveal that while time pressure does not affect audit quality, independence and competence do. Limitations of this study include the fact that the questionnaire was only distributed in the Surabaya region.