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Digital marketing is becoming an important component for the success of MSMEs in facing competition in the digital era. However, many MSMEs in Yogyakarta still face challenges in adopting digital marketing strategies because of low digital literacy and human resource readiness (Human Capital e-Readiness). The study aimed to analyze the influence of digital literacy on MSME performance through the role of digital literacy as a mediating variable. Also, the study aimed to examine the relationship between Human Capital E-Readiness and MSME performance through digital literacy. This study used a quantitative explanatory approach. Its focus was on coffee MSMEs that actively use digital marketing. The sample consisted of 100 respondents who were selected using purposive sampling from the coffee MSMEs that use digital marketing. Data were collected through a questionnaire with a Likert scale to measure respondents' attitudes and perceptions of the phenomenon being studied. The data were analyzed using Smart PLS 3.0 using a path analysis model. The study indicates that Human Capital EReadiness has a positive and significant effect on Digital Literacy with a path coefficient of 0.599, t-Statistics of 7.787, and P-Value of 0.00, which supports the first hypothesis. Furthermore, Human Capital E-Readiness has a positive and significant effect on Performance with a path coefficient of 0.366, t-Statistics of 4.731, and P-Value of 0.00, which supports the second hypothesis. However, the effect of Digital Literacy on Performance is insignificant (t- Statistics of 1.932 and P-value of 0.054), so the third hypothesis is rejected. Finally, although Human Capital E-Readiness has a positive effect on Performance through Digital Literacy, this effect is not significant (t-Statistics of 1.798 and P-Value of 0.073) and the fourth hypothesis is rejected. The study confirms that Human Capital E-Readiness plays an important role in improving Digital Literacy, which affects the Performance of coffee MSMEs in Yogyakarta. [ABSTRACT FROM AUTHOR]

Micro, Small, and Medium Enterprises (MSMEs) have increasingly become a popular choice for young entrepreneurs, especially in light of limited job opportunities. However, many MSMEs face difficulties in optimizing their production due to limited resource, witch hiders their growth. Kedai Jus Legarsi, a juice business run by Mr.Arie, is one such example, relying heavily on daily customer orders without a strategic production plan. This study aims to analze the challeges feced ny kedai jus Legarsari and proposes solutions through the application of linear programming, to optimize juice production and maximize profits. By examining 12 different juice variants, this research develops an optimization model to help increase productivity and profitability while managing limited raw materials and financial resources. The results offer actionable insights for MSMEs looking to streamline operations and achieve sustainable growth. [ABSTRACT FROM AUTHOR]

The increasing flow of information and competition in the era of information technology requires businesses, especially Micro, Small, and Medium Enterprises (MSMEs), to implement effective marketing communication strategies. Askha Jaya, an MSME producing Lampung's signature banana chips, faces the challenge of sustaining competitiveness in the souvenir market. This study aims to analyze the marketing communication strategy of Askha Jaya's banana chips using the AIDA (Attention, Interest, Desire, Action) model. A qualitative descriptive approach was applied, utilizing observation, in-depth interviews, and documentation to explore the effectiveness of marketing activities. The results reveal that Askha Jaya's strategy effectively integrates elements of visual branding, social media campaigns, and customer engagement to attract attention and generate interest. The company builds desire through premium quality positioning and influencer endorsements, while easy purchasing access and clear calls-to-action drive customer actions. These efforts not only enhance competitiveness but also establish strong consumer trust and loyalty. Recommendations are provided to further refine marketing strategies, particularly through enhanced digital promotion and customer relationship management. [ABSTRACT FROM AUTHOR]

In the increasingly advanced digital era, online visibility is a key element in the marketing strategies of various types of businesses, including Micro, Small, and Medium Enterprises (MSMEs). This research aims to investigate and analyze how Search Engine Optimization (SEO) approaches can be used to increase the visibility of digital promotional media, such as websites, blogs, and online stores. Good online visibility is essential for MSMEs to compete in an increasingly connected business environment. Therefore, an effective SEO approach is crucial to increase their digital exposure. This research will be conducted through a review of relevant literature to understand the concept of SEO, practical implementation strategies, and its impact on online visibility. In addition, primary data will be collected through observations and interviews with MSME owners. Qualitative analysis methods will be used to identify patterns, trends, and keyword findings from the data collected. This study is expected to provide a deeper understanding of the importance of SEO in improving online visibility for MSMEs. The results of this study are also expected to provide practical guidance for MSMEs to optimize the use of SEO to increase online exposure and achieve success in an increasingly digitally connected business environment. This research is expected to make a significant contribution to the understanding and implementation of SEO strategies by MSMEs. By optimizing online visibility through SEO techniques, MSMEs can improve their competitiveness, attract more customers, and ultimately achieve sustainable growth. In addition, the results of this study are expected to be a reference for MSME owners in formulating a more effective digital marketing strategy in the ever-evolving digital era. [ABSTRACT FROM AUTHOR]

This study aims to analyze the opportunities and challenges faced by Micro, Small, and Medium Enterprises (MSMEs) in utilizing the Gojek and Grabfood applications in Jekan Raya District, Palangka Raya City. The method used is a mixed approach with surveys and in-depth interviews with MSME owners. The results show that this application provides significant opportunities, such as wider market access and reduced marketing costs. However, challenges in the form of fierce competition, high commission costs, and technological limitations are also faced by MSME actors. This study recommends technology training and community collaboration as strategic steps to maximize the potential of MSMEs. [ABSTRACT FROM AUTHOR]

The core success of digital transformation among small and medium enterprises (SMEs) still needs to be clarified and comprehensively discussed. Meanwhile, SMEs cannot exploit digital advantages due to their limited strategic empirical and practical knowledge. This study aims to (1) describe the research pattern in the SME's digitalization area; (2) identify the core success factors of SMEs' digital transformation to gain business success; (3) search for relevant business aspects that are necessary for SME digital transformation; and (4) develop further research agenda in the field of SMEs' digital transformation. This study uses a systematic literature review and thematic analysis to determine core success factors suggested by primary studies. The literature review suggests that (1) SMEs should consider their baseline, limitation, and idiosyncratic to develop an aligned digitalization strategy; (2) SMEs should consider starting with incremental and gradually improving digitalization; and (3) SMEs should commit to investing in education and continuous learning. [ABSTRACT FROM AUTHOR]

Purpose: This study investigates the factors influencing the intention to use Islamic Debt Financing (IDF) among owners-managers of Micro, Small, and Medium Enterprises (MSMEs) in Morocco. Design/methodology/approach: We developed and validated a comprehensive model that examines the key behavioral elements affecting attitude towards IDF, entrepreneurial achievement motivation, and IDF usage intention. Entrepreneurial achievement motivation was assessed as a mediator in the relationship between attitude towards IDF and usage intention. Gender and Islamic religiosity were examined as moderators through Multi-Group analysis. Utilizing data from 266 Moroccan MSMEs, we applied structural equation modeling for empirical evaluation. Findings: Results revealed direct relationships with financial literacy, risk perception, and cost perception negatively affecting attitude toward IDF. Financial suitability is inversely related to attitude toward IDF. Entrepreneurial self-efficacy and subjective norms positively influenced entrepreneurial achievement motivation. Attitude toward IDF positively impacted entrepreneurial achievement motivation, and both attitude toward IDF and entrepreneurial achievement motivation were linked to the intention to use IDF. Empirical findings indicated that entrepreneurial achievement motivation partially mediates the relationship between attitude towards IDF and usage intention. Multi-group analysis revealed a significant moderating effect of Islamic religiosity on three out of nine structural relationships. Research limitations/implications: This study is primarily limited by the absence of a longitudinal examination tracking real usage behavior. Moreover, data collection focused on analyzing the behavioral intention to use Islamic debt-based financing products, excluding equity-based financing instruments. Finally, our proposed model concentrates on establishing usage intention solely based on demand-side factors without explicitly integrating supply-side consideration. Practical implications: Our findings contribute to a deeper understanding of IDF adoption behavior and have the potential to support the development of more effective public policies, targeted promotional campaigns, and impactful financial education programs for MSMEs in similar markets. Originality/value: This paper represents the first attempt to address MSMEs' apprehensions regarding Islamic debt-based financing products in the MENA region. [ABSTRACT FROM AUTHOR]

In this study, we examine the direct relationship between business digitalisation and improvements in economic sustainability, as well as the potential mediating role of environmental sustainability. We also examine the potential role of company size as a moderating variable in these relationships. We gathered data from micro, small and medium‐sized enterprises (MSMEs) in Finland. Contrary to initial expectations, our findings reveal that there is no direct and significant relationship between business digitalisation and the economic sustainability of enterprises; this relationship is only possible through the mediating role of environmental sustainability. We also found that, although high levels of environmental sustainability may result in improved economic outcomes, the strength of this relationship is much weaker for microenterprises than for their larger counterparts. Altogether, these results underscore the complex interplay between digitalisation and sustainability outcomes within the context of small businesses. [ABSTRACT FROM AUTHOR]

This study explores the interplay between tax incentives, creative compliance, and innovation in enhancing business resilience and sustainability among micro, small, and medium enterprises (MSMEs) in Indonesia, addressing gaps in the existing literature regarding their interrelationships during crises. A cross-sectional survey of 360 MSMEs was conducted, utilizing the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach to analyze complex relationships among variables. The findings reveal that creative compliance, including tax planning and avoidance, does not directly impact resilience or sustainability. While tax incentives did not significantly enhance resilience during crises, they contributed to long-term sustainability. Innovation emerged as a critical factor linking creative compliance to business success and fully mediating the effects of tax incentives on resilience. This study emphasizes the necessity for MSMEs to prioritize innovation in their strategies, particularly in conjunction with effective tax practices, and highlights the need for government support through simplified regulatory frameworks to foster an innovative business environment. Limitations include the challenges of incorporating control variables in SEM and the need for further research into the long-term effects of these factors on sustainable performance. [ABSTRACT FROM AUTHOR]

Digital Payment System (DPS) growth plays a crucial role in supporting the country's digital economic growth. As a country representing the global south, Indonesia has an important responsibility to manage the dynamics of DPS growth, which is influenced significantly by actors from the government and private sectors. Initially, DPS was designed to provide more efficient and accessible payment services, but over time, the scope of such digital services has expanded. Nevertheless, challenges must be addressed in distributing DPS evenly, especially among MSMEs. Through the approach promoted by the Economic Asian Committee (EAC), this study aims to assess the impact of DPS growth on the digital services ecosystem in Indonesia and the dynamics of interaction between related stakeholders. Qualitative methods are used to summarize information from various sources, including journal literature and data from websites, which provide an in-depth understanding of the complexity of this phenomenon and Indonesia's efforts to improve its overall digital competitiveness. The findings in this study indicate that the Digital Payment System (DPS) offers numerous benefits for the financial system, enhancing efficiency and effectiveness for industrial growth. However, challenges in ensuring equitable usage across all regions of Indonesia remain significant across various sectors. [ABSTRACT FROM AUTHOR]

The development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia has been continually increasing, contributing to as much as 60.51 percent of the GDP in 2019. This underscores the vital and strategic role of MSMEs in the national economy. Given the substantial potential of MSME tax revenue and the suboptimal level of tax compliance, the Government implemented a presumptive tax in 2013. Moreover, the Government has taken measures to reduce the final income tax rate for MSMEs from 1 percent to 0.5 percent, with the aim of facilitating the growth of MSMEs and increasing their participation in tax payments. Tax cut is one of the instruments in the supply-side tax policy that frequently used by the Government to stimulate productivity. Hence, it is not surprising that the government encourages the development of MSMEs by reducing the final income tax rate to 0.5 percent. This article aims to describe the effect of reducing the tax rate from 1 percent (based on PP 46/2013) to 0.5 percent (based on PP 23/2018) on state revenues and MSME taxpayer payment compliance. Using national monthly data from 2015-2021, a non-parametric statistical descriptive analysis was conducted with the Wilcoxon Signed Rank test. The study found that the tax rate adjustment - in this case, the reduction of the final income tax rate for MSMEs to 0.5 percent as per Government Regulation No. 23 of 2018 - has had a significant impact on state revenue and tax compliance. [ABSTRACT FROM AUTHOR]

Based on the human capital and social capital theories, this study aims to explore how micro, small and medium enterprises utilize strategic resources to drive growth and competitiveness. Data were collected from 309 micro, small, and medium restaurant owners and managers and two-stage structural equation modelling was conducted to test the hypothesized relationships. The research findings show that the entrepreneur's/manager's age and years of work experience are related to firm growth while the entrepreneur's age is related to firm competitiveness. Accordingly, social capital is directly related to firm growth and competitiveness. Moreover, social capital plays a mediating role in the effect of human capital on firm growth and competitiveness. The study contributes to extant knowledge by extending human capital and social capital theory as well as firm growth and competitiveness literature in the field. [ABSTRACT FROM AUTHOR]

Micro Small and Medium Enterprises (MSMEs) play a crucial role in economic development. Despite their restricted access to resources, MSMEs are rapidly developing new products and innovations in emerging economies. This study examines the underlying mechanism through which entrepreneurial bricolage (EB) affects micro-business performance (MBP). We propose a moderated mediation model of innovation capability (IC) and digital marketing capabilities (DMC). Using structured questionnaire data were collected from 508 women entrepreneurs in Malaysia, and partial equation modeling was used to examine the hypothesis. The findings present that IC mediates the relationship between EB and MBP. Moreover, DMC moderates the connection between IC and MBP. We conclude that MBP may be accomplished more successfully through the process of EB, IC, and DMC. This study contributes by building a theory-based moderated mediation model to interpret the linkage between EB and MBP. Additionally, several significant insights were generated for many parties involved in MSMEs. [ABSTRACT FROM AUTHOR]

Purpose: The study investigates the linkage between personality traits and firm performance. It examines the role of the pursuit of excellence, perseverance, a proactive mindset and formal education in determining the entrepreneurial success of MSMEs. Design/methodology/approach: Data were collected from 432 MSME entrepreneurs using a structured questionnaire from India's two major industrial towns to analyze the impact of personality traits on firm performance. Structural equation modeling (SEM) was employed to assess the direct and indirect relationships with the help of mediation analysis. Findings: The findings assert that personality traits improve firm performance and determine the success of MSMEs. The results reveal that the need for achievement, a proactive mindset and the pursuit of excellence are crucial to firm performance. In addition, formal education mediates between perseverance and the pursuit of excellence personality attributes on the one side and firm performance on the other. Research limitations/implications: The research has various theoretical and practical implications for entrepreneurs, financial institutions and policymakers. The results could be productively used to nurture the entrepreneurial ecosystem in India. Originality/value: Although research on personality traits as a driver of firm performance is growing, the pursuit of excellence, perseverance and proactive mindset attributes as enablers of firm performance have not garnered much attention. The study presents a precise conceptual model by integrating the aforementioned dimensions in the backdrop of an emerging market. [ABSTRACT FROM AUTHOR]

BACKGROUND AND OBJECTIVES: The management of human resources focusing on workplace happiness is gaining significant attention in the study of organizational behavior, particularly in organizations hiring Gen Z. This generation perceives workplace happiness differently, making the factor crucial in understanding work behavior. Therefore, this study aimed to explore the role of workplace happiness as a mediator between motivation and performance among employees in Micro, Small, and Medium Enterprises in developing countries.METHODS: The study adopted a survey design, obtaining data from 186 young workers across 23 MSMEs in developing countries. Path analysis was also used to test the proposed model.FINDINGS: The first results in this study showed that motivation significantly affected happiness at work with a p-value of 0.000 below the specified significance level of ≤0.005 (5%). The second result also showed that motivation significantly influenced performance with a similar p-value of 0.000. The third result suggested that happiness at work exhibited a significant effect on performance with a p-value threshold. Finally, the study found that happiness at work mediated the relationship between motivation and performance as evidenced by a p-value of 0.000.CONCLUSION: The study suggested that motivation positively affected happiness at work and further enhanced performance. Additionally, job satisfaction could serve as a mediator between motivation and performance. Cultivating a work environment that prioritizes teamwork, and mutual respect, as well as discourages self-serving behavior could further improve employee happiness, job satisfaction, and overall performance. This improvement would also benefit MSMEs by enhancing work quality and productivity.

This research explores the significance of financial inclusion for the performance of micro, small, and medium enterprises (MSMEs). Employing a mixed-method approach comprising qualitative and quantitative analyses, including descriptive and structural equation modeling analyses, the study gathers primary data through distributed questionnaires to MSMEs. The validity of the data is assessed through validity, reliability, and goodness-of-fit tests. Findings from previous research indicate a significant positive impact of financial inclusion on the performance of MSMEs, suggesting a strong relationship between financial inclusion and MSME performance. This correlation implies that increased financial inclusion enhances MSME performance, underscoring the crucial role of financial inclusion in fostering the growth and success of micro and small enterprises. The research informs government efforts to boost financial inclusion, enhancing MSME performance. Improved access to financial institutions in Indonesia for MSMEs is expected to lead to enhanced sales growth, customer expansion, and increased profitability, ultimately benefiting the broader economy.

Influencer engagement through Instagram social media is becoming increasingly popular as a marketing strategy by MSMEs.This study aims to analyze the relationship between influencer engagement in improving marketing performance, with Instagram social media as a mediating variable. Influencer engagement has become an effective marketing strategy for many companies, especially in the context of MSMEs. This study uses a quantitative survey method involving respondents consisting of 125 MSME actors. Data processing was carried out using Structural Equation Modeling (SEM) based on Partial Least Square (PLS) to test the hypothesis regarding the effect of influencer engagement on marketing performance through interactions on Instagram social media. The results showed that influencer engagement significantly affects marketing performance, directly and indirectly through Instagram social media as a mediating variable. This finding emphasizes the importance of collaboration with influencers and optimizing the use of Instagram social media to increase brand awareness, engagement, and ultimately, sales.

This research was conducted to provide an overview of the benefits felt by MSMEs in the food sector in the form of increased turnover, customers, and assets in implementing QRIS (Quick Response Indonesian Standard) as an alternative digital-based payment media. A qualitative approach with the case study method was used in this research. The object of this research is QRIS itself, then MSME actors operating in the culinary sector are the subjects of this research. The focus of this research lies in MSMEs in the Mandalika SEZ area because this area is now one of the tourist areas that is currently busy with visitors. This research uses data collection methods in the form of structured and in-depth interviews, documentation, and also observation. Interviews were conducted with MSME actors in the area around the Mandalika SEZ. The selection of resource persons is based on businesses that have permanent buildings, have implemented or are currently implementing QRIS, have employees, and are preferably owned by the local community. After the data is collected, the researcher analyzes the data and then presents it so that the research results are obtained, then a conclusion is drawn. The results of this research show that the existence of a QRIS-based digital payment system can provide benefits for MSME players in terms of increasing turnover and customers but has not yet caused an increase in assets.

Credit is an important component in developing micro, small, and medium enterprises (MSMEs), as it can boost a country’s economy, help boost the production capacity of MSMEs, create jobs, and reduce poverty. This study aims to examine the characteristics of banks in Indonesia that influence lending to micro, small, and medium enterprises by adopting agency theory that explains the relationship between lenders (banks) and borrowers (MSMEs) as agents and principals. Data were taken from quarterly financial reports of banks in Indonesia. There are 42 sample banks from 2010 to 2022, so the data used are 2,182 observations. Data analysis uses a fixed effect model with robust standard errors. The results show that operating costs do not influence credit access for MSMEs or medium-sized enterprises. Bank stability has an impact on increasing MSME credit access. High bank capital also increases MSME credit access. Robustness tests were also conducted using the general method of moments. The results were consistent with the main model. The implication is that cost management theory and credit decision-making need to consider differences in business scale. The results also further strengthen the argument that bank stability is an important factor that can improve access to credit for small and medium enterprises. AcknowledgmentsAppreciation is given to the Doctoral program Universitas Sebelas Maret Surakarta Indonesia and the Institute of Research and Community Services (LPPM) Unisnu Jepara Indonesia, which has supported this research.

Community service through the Bestee program assistance aims to increase the competitiveness of customers who are Micro, Small, and Medium Enterprises (MSMEs) MMS Rambipuji. Through various forms of structured and sustainable mentoring, this program focuses on providing the necessary knowledge, skills, and human resource training for MSME actors in optimizing and developing their business activities. So that it can improve the standard of living and economy of MSME customers. The method of implementing this service uses socialization of Bestee programs, training, and mentoring. The evaluation instrument of this activity uses a questionnaire and is analyzed descriptively. The results of this service show that the mentoring of this Bestee program has a significant impact on changing the thinking and strategies of MSME actors. This mentoring includes improving marketing strategies, business identity, and good management, including financial management, human resources, and business operations. Focusing on improving understanding of proper management and strategies as well as modern marketing can help MSME actors reach a wider range of consumers and increase sales.

In this era, technological advances benefit many aspects of work, including Human Resources Management (HRM). Implementing E-HRM helps organizations improve efficiency, reduce paper waste, and support sustainability principles. The study aims to examine the impact of E-HRM on Sustainability Performance, mediated by Labour Productivity and moderated by Organizational Agility. The research was conducted on MSMEs in Batam City, using a purposive sampling technique to obtain primary data from 200 respondents by distributing G-From questionnaires. The quantitative analysis method used is SmartPLS software. The research results of the hypothesis that shows a direct and significant positive effect on Sustainability Performance is Labor Productivity. Meanwhile, E-HRM implementation has a positive, not significant, effect on Sustainability Performance but has a positive, significant impact on Labour Productivity. The proven indirect research hypothesis is the relationship between E-HRM implementation and Sustainability Performance mediated by Labor Productivity. The theory that E-HRM implementation significantly positively affects Labour Productivity through moderation of organizational agility has yet to be proven. This research is expected to cover a broader range of research and can be used as a reference for other studies.

MSMEs are one of the economic icons that have the biggest impact on Indonesia's economic growth, especially when a crisis occurs. MSMEs are able to get through monetary crises such as in 1998 and during the Covid-19 pandemic. MSMEs are independent and have great potential to improve community welfare. This research aims to examine the influence of the variable’s financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital on the financial performance of MSMEs in the Bangka Belitung Islands Province. This research is quantitative research with an associative method using a quantitative approach from primary data through distributing questionnaires. The sampling method was nonprobability sampling with a purposive sampling technique so that 102 MSME actors were obtained. The data analysis technique uses SPSS version 26 software. The research results prove that partial financial inclusion (X2), financial technology (X4), credit granting (X5), and intellectual capital (X6) have a positive and significant effect on the financial performance of MSMEs, while financial literacy (X1) and financial self-efficacy (X3) do not have a positive and significant effect on the financial performance of MSMEs. Simultaneously, the variables financial literacy, financial inclusion, financial self-efficacy, financial technology, credit granting, and intellectual capital have a positive and significant effect on the financial performance of MSMEs in the Bangka Belitung Islands. The R Square value in this research is 0.885, so it is concluded that 88.5% of the variation in the dependent variable can be explained by the independent variable and the remaining 11.5% is influenced by other variables not examined in this research. It is hoped that the research results can become reference material and motivation for MSMEs in improving the financial performance of their businesses.

The growing economy is accompanied by increased business competition among business actors, including Micro, Small, and Medium Enterprises (MSMEs). Trademark infringement is a risk inherent in such business competition. Therefore, it is crucial to mitigate disputes and trademark infringement by other business actors through trademark registration. However, the number of MSMEs registering trademarks remains very low, accounting for only 0.06% of the total. The results of this study highlight the urgency of a legal approach to MSME trademark registration. This urgency is underscored by the history of trademark regulation in Indonesia and international influences, the need for MSMEs to register trademarks to obtain protection, encourage innovation and creativity, and enhance their value and financing. Despite these benefits, the number of MSMEs that register their trademarks remains low due to a lack of awareness about the benefits of trademark registration and unfamil Therefore, it is necessary to improve trademark registration policies. This can be achieved by the Regency/City Government allocating a proportional and planned budget for socialization and assistance activities for MSMEs registering trademarks in their area. Additionally, the Government can encourage the private sector and financial institutions to contribute to the financing of MSME trademark registrations. Such measures are expected to increase the rate of trademark registration among MSMEs with government policies aimed at promoting such registration.

This study analyzes the problem factors affecting Micro, Small, and Medium Enterprises (MSMEs) performance with social capital variables. The problems are related to developing MSMEs’ financial and non-financial performance and are considered inseparable from various internal and external influences. This research is a quantitative-qualitative research with primary data. The utilization of questionnaires and interviews as methods for data collection. The data analysis technique used was a statistical analysis based on partial least squares (PLS). The study’s results found that internal and external factors had a significant positive effect on the financial performance of MSMEs. The E-commerce factors and social capital significantly positively affected the financial performance of MSMEs. However, the colonial capital did not strengthen the relationship between internal variables, external, and E-commerce on the financial performance of MSMEs.

Background Indonesia currently could not make it to the top ten global halal due to some external and internal factors, although it is the largest Muslim country. In the external sector, the competition map is getting tougher, while internally, there are handicaps in the form of weak public awareness of competition. As a country with the largest Muslim population in the world, Indonesia can become one of the largest markets in the world. As indicated in the Global Islamic Economic Report (GIER), Indonesia is one of the top ten countries that control the Islamic economic market, yet it fails to dominate its Islamic market. Accordingly, the government needs to play a stronger role through regulatory policies to encourage the development of the Islamic economic ecosystem in Indonesia (halal value chain). The purpose of this study is to find out and analyse the existence of Micro, small, and medium enterprises (MSMEs) in Indonesia in the world’s market for Halal products and Services. Methods The researchers have conducted a form of normative juridical research with the analytical descriptive method, namely by collecting, describing, analysing, and presenting what is ( das sein) and what ought to be ( das sollen). Results Support from the government and stakeholders has not been optimal in improving welfare - capital access, management, and halal certification, so the existence of the global halal ecosystem has not yet impacted MSMEs’ ability to compete competitively. Conclusions The conclusion of this study shows that the quadruple helix innovation system is capable of guaranteeing the development of MSMEs in a manner to achieves a high level of competitiveness - efficiency, and effectiveness of the products and services produced.

This study aims to examine the correlation between intellectual capital, innovation, and corporate performance in micro, small, and medium enterprises (MSMEs) located in East Java, Indonesia. The proxy for each variable uses a Likert scale measurement by distributing questionnaires to MSME actors. The research sample consisted of 125 MSME actors who completed a returned questionnaire, whereas the study population consisted of 500 MSME company players. The PLS 3 software program is used in the quantitative descriptive data analysis technique. The findings demonstrated that innovation has a major impact on business success and that intellectual capital has a considerable impact on both. Additionally, innovation mediates the relationship between intellectual capital and business performance. Increased innovation will eventually lead to improved company performance if the intellectual capital developed by MSME business actors is more focused on innovation. Specifically the speed and quality of innovation, such as creating new and high-quality products, high-quality services, and problem-solving strategies that are also more accurate than those of other companies. This research contributes to the implications of intellectual capital in the business world which can be carried out early on, in the sense that even though companies are on a micro scale, MSME business actors can manage intellectual capital well in creating company performance. [ABSTRACT FROM AUTHOR]

Banyuwangi is one of the regions in Indonesia which is experiencing massive tourism growth. This also encourages growth in related sectors, one of which is the food industry. MSMEs in the food industry continue to grow in Banyuwangi, and the level of concern for halal-certified products continues to increase. This research aims to help optimize digitally certified halal MSMEs with the ease of submitting halal certification online. It is expected to increase the interest of MSME actors to take care of halal certification. This study uses SWOT analysis to determine the strengths, weaknesses, opportunities, and challenges for halal food products in Banyuwangi. Respondents in this study are certified Halal Companions, MSMEs in the food sector, and the Cooperative Office. Results show that the lack of information related to halal certification among business owners is one of the problems that are widely encountered. Massive dissemination of information related to halal certification to businesses through various media is suggested. In addition, meeting business owners directly is expected to minimize this gap. [ABSTRACT FROM AUTHOR]

The study addresses the issue of accounting disclosure in MSMEs in the telecommunications sector in Guayaquil, a significant challenge that affects the accuracy of financial reporting and compliance with International Financial Reporting Standards (IFRS) and Ecuadorian tax legislation. The objective of the study was to develop strategies to adjust and correct prior years' financial information in these companies. An exploratory and descriptive research was conducted with a mixed approach combining qualitative and quantitative methods. Primary data collection methods included interviews with financial managers of MSMEs and experts in accounting and tax legislation, as well as a systematic review of financial statements. In addition, literature reviews on IFRS and tax legislation were conducted. The data were analyzed using statistical techniques to identify significant accounting discrepancies. The sample consisted of 12 randomly selected MSMEs stratified by size, subsector and location. The results indicated the presence of significant accounting errors and a lack of alignment with regulations, which led to the development of specific strategies such as the implementation of accounting software and staff training. These strategies were evaluated by a panel of experts to ensure their effectiveness and feasibility, resulting in a robust plan to improve the accuracy and reliability of MSME financial reporting. [ABSTRACT FROM AUTHOR]

Brand image has an important role in delivering the company to its goals or targets. Currently, the competition in the iced tea cold drink market is very tight and mushrooming everywhere so that this is the cause of Iced Teh Solo 1987 experiencing a consistent decline in sales in recent months. These problems should be solved through strengthening the brand image so that customer trust can be built. This study aims to analyze the marketing communication strategies carried out by Es Teh Solo 1987 Warakas branch in building a brand image. This research was completed using a descriptive qualitative method with data collection techniques through observation and interviews. The data analysis techniques used in this study are in the form of the reduction stage and the presentation stage. The results of this study show that Es Teh Solo 1987 uses five ways to maintain its brand image as a cheap and affordable brand. The five ways are through personal sales, events and experiences, public relations, sales promotion, and corporate branding. [ABSTRACT FROM AUTHOR]

This article discusses the digital marketing strategy used by Riskirich, an MSME operating in the Muslim fashion industry, especially robes and hijabs. The main focus of this research is the use of TikTok Shop as the main marketing and sales platform. This study aims to analyze the effectiveness of TikTok Shop in increasing brand recognition and product sales, as well as identifying the challenges and opportunities faced by Riskirich's newest hijab gamis in developing its digital marketing strategy. MSMEs in Indonesia face many challenges in marketing the products they sell, due to the COVID pandemic – 19 which occurred in 2019 to 2021 changed everything to become completely digital, so that all MSMEs in Indonesia inevitably had to market their products online. This research uses a qualitative approach with a case study method and data collection through interviews, observation and social media analysis. The research results show that using TikTok Shop significantly increases product visibility and interaction with customers, but there are challenges in terms of content management and adaptation to the platform's algorithms. [ABSTRACT FROM AUTHOR]

This study aims to develop a model for improving business performance through the co-creation of value in hijab fashion MSMEs in West Java. Co-creation, which involves active collaboration between businesses and customers, has been recognized as a key factor in driving innovation and competitive advantage. By examining the role of co-creation in the context of micro, small, and medium enterprises (MSMEs), particularly within the hijab fashion industry, this research seeks to identify the main drivers that enhance business performance. Data were collected through surveys and interviews with hijab fashion MSME owners and customers in West Java. Using statistical analysis, the study found that co-creation activities such as customer engagement, collaborative design, and shared experiences significantly contribute to improved customer satisfaction, product innovation, and overall business performance. The findings suggest that implementing co-creation strategies can help hijab fashion MSMEs achieve sustainable growth and maintain a competitive edge in the fashion market. This research contributes to the growing body of literature on co-creation value and MSME business performance improvement. [ABSTRACT FROM AUTHOR]

The significance of branding for MSMEs lies in its ability to help businesses stand out in a competitive market. By applying effective branding strategies--such as selecting the right social media platforms, maintaining consistent brand visuals, creating high-quality content, utilizing paid advertisements, and collaborating with influencers--MSMEs can significantly boost their sales. Building brand awareness for products and services is key to achieving success on social media, allowing MSMEs to grow and maintain sustainability. This study aims to explore how MSMEs can optimize social media for branding, analyze its effects on product visibility and sales, and identify the factors that contribute to successful social media branding. The research employs a descriptive method with a qualitative approach, using secondary data from the Ministry of Cooperatives and SMEs, the Indonesian Internet Service Providers Association (APJII), and relevant research studies. [ABSTRACT FROM AUTHOR]

The rapid digitalization of financial transactions has led to the widespread adoption of technology-based payment systems among Micro, Small, and Medium Enterprises (MSMEs). One significant innovation in Indonesia is the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia in 2019 to streamline digital payments through a unified QR code. This study explores the impact of user convenience, trust, and risk perception on QRIS user satisfaction, and further examines how these factors influence the overall use of QRIS among MSMEs in Palopo City. Using a quantitative approach, data were collected from 52 MSME actors and analyzed with SPSS V.25 to assess the relationships between variables. The results indicate that user convenience and risk perception have a significant impact on user satisfaction, while trust did not show a direct effect. Furthermore, risk perception was found to have a direct significant influence on the use of QRIS, whereas user satisfaction did not mediate the relationship between user convenience, trust, and QRIS use. The findings highlight the importance of addressing risk concerns and enhancing user satisfaction to promote broader QRIS adoption. The study contributes to the growing body of knowledge on digital payment adoption and offers practical insights for improving the user experience, particularly in regions with varying digital literacy and technological infrastructure. [ABSTRACT FROM AUTHOR]

Sweet potato processing is a vital part of the local economy. In this study, the business costs incurred and feasibility of processing sweet potato product businesses in the Malaysian Small and Medium Enterprises (MSME) Karya Indah in Bandorasa Wetan are analyzed. The research is based on a census technique, namely, the MSME Karyan Wetans, which is used as the population and sample in the research. The business costs are calculated to calculate various costs associated with running a business consisting of fixed costs and variable costs. The acceptance feasibility ratio was found to be 1.455, so it is greater than 1 and is in the feasible and feasible category. This research offers practical guidance for MSMEs in assessing their operational efficiency and helps business owners make informed decisions about investment and expansion. Furthermore, it contributes to the broader understanding of sustainable business practices in the agricultural processing sector, specifically focusing on sweet potato products. Moreover, analyzing the impact of technological improvements or more efficient production methods on reducing costs and increasing productivity could provide valuable insights for enhancing business operations. [ABSTRACT FROM AUTHOR]

Micro-Small and Medium Enterprises (MSMEs) play a key role in economic growth and employment generation. MSMEs are facing challenges related to Green House Gases (GHGs) emissions and compliance with other environmental regulations. Green Lean Six Sigma (GLSS) is a comprehensive approach that reduces negative environmental impacts and improves product quality. However, the current level of adoption of GLSS in MSMEs is limited due to various challenges faced by these organisations. This can be attributed to different barriers in the adoption of sustainable business practices like GLSS adopted by organizations. Therefore, the current research deals with prioritising and investigating GLSS barriers in Indian MSMEs. Thirty-five barriers of GLSS in MSMEs were identified through a systematic literature review and then prioritization of the same was performed using the Technique for Order Preference by Similarity to Ideal Solution (TOPSIS), and validated through grey relational analysis. In this study, the authors used a purposive sampling technique to collect the responses for the analysis of GLSS barriers. The pilot-tested questionnaire was sent to 560 personnel (LSS personnel, academician and industry professionals) out of which 364 responses were received, and 14 responses were further neglected due to the incompleteness of the questionnaire. A final sample of 350 responses was considered for the analysis. The results of this study indicate that 'Lack of top leadership support for GLSS adoption', 'Involvement of inadequate employees that missing to implementing new strategies' and 'Lack of technology action plan for GLSS' are the top-ranked barriers with TOPSIS performance values of 0.8709, 0.869, and 0.8678 respectively. This research work will foster the implementation of GLSS within MSMEs by facilitating a comprehensive understanding of GLSS barriers and prioritization of the same. Further, the findings of this study will be beneficial for MSMEs to cope with their current level of emissions, and further formulate policies to mitigate challenges to pollution and climate change. [ABSTRACT FROM AUTHOR]

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In the current era of globalization, trade is essential for a country to boost its economy, including both micro and macro trade. The development of MSMEs requires MSME actors to be ready to compete with other businesses. This pushes MSME entrepreneurs to continuously innovate by creating unique, superior products; in addition, MSMEs are expected to have sound financial management. This study employs an associative research method with multiple linear regression to examine the relationship between accounting knowledge, accounting information utilization, and financial inclusion on the business development of Bank BRI KCP Pagesangan Unit clients. Based on multiple linear regression analysis results, it is concluded that accounting knowledge, accounting information utilization, and financial inclusion significantly influence business development. Accounting knowledge has been shown to have a positive and significant effect on business development, while accounting information utilization also plays an important role in supporting business development. Additionally, financial inclusion has a significant impact on client business development. Based on these findings, it is recommended that Bank BRI KCP Pagesangan Unit prioritize training and outreach programs on accounting knowledge, accounting information utilization, and the importance of financial inclusion for their clients. By enhancing clients' understanding and skills in accounting, they can more effectively manage their finances and make better business decisions. [ABSTRACT FROM AUTHOR]

Work Family Conflict (WFC) is a pressure or imbalance between roles at work and roles in the family. Entrepreneurial families are very vulnerable to WFC, even more vulnerable than working families. Even though entrepreneurs are known to have flexible working hours, in reality entrepreneurs' working hours are unlimited. This service aims to provide assistance in strengthening the resilience of entrepreneurial families by focusing on managing stress and conflict in entrepreneurial families, building effective communication and balancing the roles of husband/wife of business actors in the family. The service partners are members of the Kaliurang Connection, which is an MSME community in Yogyakarta. The service method is training and counseling from a team of psychologists according to the participants' needs and problems. [ABSTRACT FROM AUTHOR]