Islamic Business Ethics Research Articles

Analisis Persaingan Harga Di Pasar Tradisional Dalam Etika Bisnis Islam

Business is an activity of the economy, where business activities take place in the market. Where the market is a meeting place for traders and buyers. One of them is the Muara Sabak Ulu Traditional Market with traders who are predominantly Muslim. Competition is an organization or individual vying to get what they want. This study uses a type of qualitative research and the object of this research is the traditional market traders of Muara Sabak Ulu. Sources of data used are primary data and secondary data, the techniques used in collecting data are observation, interviews and documentation. The determination of the pricing mechanism at the Muara Sabak Ulu Traditional Market is found in the selling price and the interest of the buyer where the trader will raise the price of the goods above the price given by the distributor. The factor for the occurrence of violations of business ethics in the Muara Sabak Ulu Traditional Market is because the opportunity to cheat will encourage people to do so. The intention to cheat will increase if the trader is under pressure to achieve a goal that he feels is very important. There are traders in the Muara Sabak Ulu Traditional Market who comply with the ethics of trading and the principles of Islamic business ethics and there are also those who are not in accordance with the principles of Islamic business ethics.

Reflection of Al-Ghazali’s business ethics for tax consultants

Purpose - The purpose of this study was to explore the application of the values of Al-Ghazali Islamic business ethics to tax consultants in Indonesia and to compare them with the Indonesian Tax Consultant Professional Code of Ethics.Method - This research approach uses phenomenology. There were 3 informants interviewed in the study consisting of tax consultants who are Muslim in Indonesia, fiscal authorities who are Muslim in Indonesia, and experts in the Islamic religion.Result - This research gives the result that the principle of integrity can be expanded in terms of its definition and meaning with the mujahadah component in Al-Mizan, so that the integrity referred to here is trying to keep away bad traits that are prohibited in Islam. Moreover, on the concept of al ihya', tax consultants have a main orientation to profit and the motivation to help taxpayers is still limited to improving the image of their consulting services business.Implication - The concept of Islamic Business Ethics by Al-Ghazali is a broader and deeper ethic so it is very appropriate if it is adapted to the Indonesian Tax Consultant Code of Ethics, especially regarding responsibility and motivation as servants of God.Originality - This research is the first study that used a phenomenological approach in uncovering the reflection of the concept of Islamic business ethics by Al-Ghazali on the implementation of a tax consultant's code of ethics.

Pengaruh Penerapan Etika Bisnis Islam Terhadap Loyalitas Pelanggan dengan Kepuasansebagai Variabel Intervening Pada Pedagang di Pasar Tradisional Kelurahan Sengeti

Islamic business ethics in trading activities is very important so as not to take actions that deviate from Islamic teachings. In the business world, competition among fellow traders to maintain customer satisfaction and loyalty is a natural thing, if you look positively at business competitors not as a threat but as a motivation to move forward. The objectives of this study are 1) to determine the direct effect of the application of Islamic business ethics on customer loyalty, 2) to determine the direct effect of the application of Islamic business ethics on customer satisfaction, 3) to determine the direct effect of satisfaction on customer loyalty, 4) to determine indirectly the application of Islamic business ethics on customer loyalty through satisfaction.The method used in this research is a quantitative method using path analysis with a sample respondent of 97 respondents. This analysis is used to see the direct and indirect effects between variables, the results of this study indicate that 1) directly Islamic business ethics has a positive and significant effect on customer loyalty, 2) directly Islamic business ethics has a positive and significant effect on customer satisfaction, 3) directly customer satisfaction has a positive and significant effect on customer loyalty, 4) indirectly Islamic business ethics has no positive and significant effect on customer loyalty through satisfaction. As for after the application of Islamic business ethics by traders, there is a separate satisfaction in customers that creates customer loyalty, namely by deciding to buy from traders, customers make repeat purchases and recommend to others, although there is still one customer who has not recommended to others. so it can be concluded that Islamic business ethics applied by traders have been able to maintain customer satisfaction and loyalty in Sengeti Market.

The Relevance and Contribution of Al Ghazali's Thought in Islamic Business Ethics: An Overview

Ethics in business, can be interpreted by learning about the difference between good and right with bad and wrong in the business environment based on moral values added to halal rules and then haram, then Islam interprets business ethics as a collection of ethical attitudes and behaviors of business that are based on religious teachings by prioritizing halal and haram first. General provisions in thinking, especially business ethics according to Islam which is a science contained in the Qur'an and Al Hadith, which needs to be used as the main reference by all Islamic business actors so that in carrying out activities not only oriented to get world prosperity but also obtain prosperity hereafter. Al Ghazali has conveyed the basic principles in an effort to obtain worldly wealth as well as the Hereafter, namely with the instructions he gave on how to behave in business, basically adapted to the guidance of Islamic teachings both the Qur'an and As Sunnah or Al Hadith.

Penerapan Etika Bisnis Islam Dalam kegiatan Entrepeunership (Study kasus AHASS Putra Merdeka 01499 Surabaya)

This study aims to analyze the application of Islamic Business Ethics in the management of the workshop Ahass Putra Merdeka 01499 Surabaya. The study used a qualitative approach by conducting indept interviews. Further analyzed using descriptive analysis methods. 
 The results of this study concluded that the management of ahass putra merdeka 01499 Surabaya workshop in accordance with the basic values of Islamic Business Ethics. The first is the value of Tawheed to carry out buying and selling activities without a usury system and to sell certain goods, namely motor spare parts and providing services and understanding all ownership belongs to Allah so that the workshop owner performs zakat every year as an obligation and performs shodaqoh every day to help fellow human beings , both intellectual values and responsibilities, the third value of worship workshop owner requires for a matter of 5 times for employees so as not to leave the obligations of a muslim and perform prayers before doing activities to seek the pleasure and blessings of Allah, the fourth value tazkiyah owner apply the principles of honesty, justice, openness, the fifth value ihsan kindness to others, and togetherness. 
 The results of the study stated that the basic values in Islamic business ethics have been fully applied in the management of Ahaas Putra Mederka 01499 Surabaya workshop. To support these values, it is necessary to upgrade several things both technically and facilities.

Phenomenological Study of the Application of Islamic Business Ethics in Fashion Sale and Purchase Trasactions

The paper explores the impact of business growth on human life and emphasizes the neglect of ethics by some profit-driven entrepreneurs. It advocates for the integration of Islamic principles to guide business conduct, promoting a holistic approach and ethical boundaries based on the Qur'an and Hadith. Drawing parallels between Kant's deontology theory and Al-Ghazali's insights, the paper underscores the importance of grounding business actions in religious principles for a morally sound approach in the evolving economic landscape. This study aims to analyze the application of Islamic business ethics in buying and selling transactions based on the principles of unity, equilibrium, free will, responsibility, and benevolence at Althaf Moslem Store in Bogor, Indonesia. The research employs a qualitative method with a case study approach. Informant selection is determined using a purposive method, and observation serves as the primary data collection technique. The results indicate that Althaf Moslem Store has successfully implemented the principles of Islamic business ethics.

STRATEGI PENGUSAHA WARUNG KOPI FIFA 99, DALAM MEMPERTAHANKAN KONSUMEN PERSPEKTIF ETIKA BISNIS ISLAM DI PERUMAHAN MENGANTI SATELIT INDAH (Studi Kasus Warung Kopi FiFa 99, di Perumahan MSI)

Keywords: Strategy, Coffee Shop, Islamic Business Ethics The research in this thesis is motivated by the increasing number of unemployed in Gresik due to the difficulty of finding work in the formal sector. Seeing the habits of the people, especially men in Gresik Regency, who like to consume coffee drinks, this situation has become an opportunity to set up a coffee shop business. In Gresik you can find many coffee shop businesses, but many of these coffee shops are still classified as micro businesses that have been established for years but have not been able to develop. In this case, the researcher tested what factors influence the success of the coffee shop business in Menganti Satellite Indah Housing, so that the results of this research can be used as input and used as motivation so that entrepreneurs want to improve and develop their business in order to achieve the target, namely success in entrepreneurship. So that later it can be used as a choice for people in entrepreneurship to create jobs and reduce unemployment. This research focuses on what factors influence the success of the Fifa 99 coffee shop business in Menganti Satellite Indah Gresik Housing, whether there is an influence between factor 1 (capital, planning and location) on the success of the Fifa 99 coffee shop business in Menganti Satellite Housing. Beautiful Gresik. This research uses a qualitative approach with an ex post facto type of research. The data collection technique in this research uses a questionnaire method. The type of data used in this research is primary data obtained from the results of a questionnaire that was filled out by the owner of a coffee shop business in the Menganti Satelit Indah Menganti Housing Complex, Gresik, which was used as the sample in this research. The data analysis method uses validity and reliability tests, factor analysis then assumption tests and simple linear regression. Based on the results of the analysis, it can be concluded that of the seven variables, namely entrepreneurial characteristics, capital, opportunities, planning, location, marketing and experience studied, there is one factor that influences the success of the coffee shop business in Menganti Satellite Indah Gresik Housing. namely factor 1 capital, planning and strategic location.

Analisis Penerapan Etika Bisnis Islam Dalam Keberhasilan Usaha

This thesis is entitled Analysis of the Application of Islamic Business Ethics in Business Success (Study on Ilham's rempeyek business in Jambi City). This study aims to determine the application of Islamic business ethics in accordance with the principles of Islamic business ethics according to Faisal Badroen and the indicators of business success are capital, income, sales volume, production output and labor. The method used in this research is descriptive qualitative, where in collecting data the researcher uses observation, interview and documentation methods. The results showed that Ilham's peanut brittle business had implemented Islamic business ethics well in running his business and had a positive impact on the success of his business. Obstacles in applying Islamic business ethics to Ilham's peanut brittle business in Jambi city are keeping promises caused by a lack of manpower in the production sector causing delays in product delivery to consumers and inaccuracy in delivering products to consumers. The solution in applying Islamic business ethics to Ilham's peanut brittle business in the city of Jambi is to recruit workers, especially in the production sector so that production results can meet consumer demands and be more careful and thorough when delivering products to consumers.

Analysis of the Digital Marketing Mix on the Mikhayla_Shop Account Reviewed from the Perspective of Islamic Business Ethics

This study aims to analyze the form of the digital marketing mix through social media on the Instagram account mikhayla_shop in terms of Islamic Business Ethics. The formulation of the problem in the study is how the digital marketing mix through social media studies on the Instagram account mikhayla_shop is viewed from an Islamic perspective?;. This study uses qualitative research methods with a descriptive approach. Primary data sources come from interviews, observations, and document studies with owners and employees of the Mikhayla shop. At the same time, the secondary data sources come from books, information sources, archives, and official personal documents. Structured interviews and indirect observation are the techniques of data collection. The results showed that Mikayla shop's digital marketing mix through social media is based on Islamic Business Ethics.

VIEWS OF ISLAMIC ECONOMICS ON BUYING AND SELLING INTERESTS THROUGH THE SHOPEE KAJEN ONLINE SYSTEM

Buying and selling is an activity that is carried out by exchanging property or something desired based on a mutually binding agreement between the seller as the owner of the goods and the buyer as the party paying for the goods sold. The online shopee trading system is one of the buying and selling systems which is still trending today. This study aims to describe the description of the shopee application, describe the advantages and disadvantages of using the shopee application according to Islamic economics, describe buying and selling in online shopee marketplaces according to a review of Islamic business ethics, describing the impact of Islamic business ethics caused by online shopping at the Kajen shoppee. used qualitative approach method. Which of these research methods produces a descriptive description of the shopee application, the advantages and disadvantages of using the shopee application according to Islamic economics, buying and selling in online shopee marketplaces according to a review of Islamic business ethics the impact of Islamic business ethics caused by online shopping at the Kajen shoppee. The results of this study prove that by using the online shopee application it is easy and fast. By getting benefits, the marketing is expanding to the province and can also go abroad. Buy Online shopee However, sometimes time is constrained if you get a lot of orders (a lot) on buying and selling online keywords: Islamic economics, buying and selling, online shopee

Implementasi CSR dalam Perspektif Etika Bisnis Islam (Studi Kasus Di PT Pisma Putra Textile Kabupaten Pekalongan)

This research aims to find out and analyze how Corporate Social Responsibility is implemented at PT Pisma Putra Textile, Pekalongan Regency, as well as analyzing the perspective of Islamic business ethics in implementing CSR. In this research, researchers used qualitative research. The type of research used in this research uses a qualitative descriptive approach. Using primary data and secondary data. Primary data was obtained through interviews, observation and documentation. Meanwhile, secondary data was obtained through books related to research. By using a data validity test method which is then analyzed using triangulation techniques to find research conclusions. The results of this research conclude that the implementation of Corporate Social Responsibility carried out by PT Pisma Putra Textile Pekalongan Regency is generally more directed towards social assistance such as the distribution of basic necessities and sarongs every Eid al-Fitr holiday, compensation for orphans every month of Ramadhan, distribution of meat or sacrificial animals every day Eid al-Adha, blood donation, and other incidental social assistance such as assistance for flood victims and other natural disasters. In general, the implementation of PT Pisma Putra Textile's CSR is in accordance with the values ​​of Islamic business ethics, but its implementation is still relatively small and cannot be said to bring prosperity to society.

Analisis Penerapan Etika Bisnis Islam Pada Pedagang Di Pasar Tradisional Merlung

Islamic business ethics plays an important role for business people to guide their behavior so that they do not deviate from moral and spiritual elements in earning a living through buying and selling. Islamic business ethics has a function, namely that Islamic business ethics tries to find ways to reconcile and harmonize different interests in the business world. Islamic business ethics also play a role in society's ever-changing business awareness. One of the interesting markets to examine is the Merlung traditional market which has many traders selling at the market such as: meat traders, vegetable traders, fruit traders, household equipment traders, etc. This research aims to determine the business ethics of traders in the Merlung traditional market from the perspective of Islamic business ethics. This research is included in the type of qualitative research, data collection techniques were carried out using interview, observation and documentation methods. The results of the research show that the majority of traders in the Merlung traditional market apply Islamic business ethics in conducting business, although there are several aspects which traders in the Merlung traditional market do not pay attention to and apply them with certain goals and with several obstacles.

The Significance of Corporate Social Responsibility in Sustainable Development: An Analysis from an Islamic Law Perspective

Objective: This research aims to investigate the role of Islamic values in shaping Corporate Social Responsibility (CSR) practices and their impact on achieving sustainable development goals. Theoretical Framework: The study addresses the increasing significance of CSR and its integration with sustainable development, particularly from the perspective of Islamic business ethics. It explores how Islamic values influence CSR initiatives, aligning them with principles that foster environmental responsibility and social equity. Method: A systematic literature review method was employed to analyze a broad range of scholarly articles and reports. This analysis focused on examining the compatibility of CSR practices with Islamic principles. Result and Conclusion: The findings of this study demonstrate that CSR practices rooted in Islamic values have a positive impact on sustainable development. Such practices promote environmental responsibility and contribute to social equity. This research emphasizes the potential of Islamic business ethics to guide CSR strategies toward more inclusive and sustainable outcomes. Originality/Value: This research contributes to the field of CSR by highlighting the importance of incorporating Islamic principles into CSR frameworks. It underscores how such integration can advance sustainable development on a global scale.

International Strategies of Islamic Financial Institutions: Current Challenges and Future Trends

In an era of growing pressures towards financial ethics, social responsibility and sustainable development, Islamic Financial Institutions (IFIs) have emerged as new actors on the global financial stage. With their unique characteristics, IFIs offer a different approach to finance. This study presents a comprehensive analysis of the international strategies adopted by Islamic Financial Institutions (IFIs) in their pursuit of global expansion. The current global financial landscape presents unique challenges and opportunities for IFIs in their cross-border operations. In this paper, the drivers, obstacles, and outcomes of IFIs' international strategies are evaluated. IFIs’ approaches to localization, standardization, partnerships, and technological innovations are examined. The article highlights how IFIs, guided by Sharia principles, navigate the complexities of global finance while remaining loyal to Islamic ethical practices. The significance of IFIs' international strategies in facilitating financial inclusion, stability and economic development particularly in Muslim emerging economies is also discussed. Subsequently, the factors that drive IFIs towards international expansion are explored. Increased demand for Sharia-compliant financial services, regulatory reforms, and the advantages of diversification in both product offerings and markets are among important motivators of international expansion for IFIs. How these drivers require IFIs to balance ethical considerations, regulatory compliance and financial performance is highlighted in detail. The challenges and obstacles faced by IFIs in their internationalization phase are analyzed in-depth. Cross-cultural differences, regulatory complexities and the need to achieve Sharia compliance across different contexts come to the fore as important challenges. The study is centered around the variety of international strategies IFIs implement to navigate the global markets. It explains local adaptation strategies that customize products and services to meet the unique preferences of diverse markets. The article also delves into standardization strategies that necessitate common operational principles to achieve economies of scale and ensure Sharia compliance. Furthermore, the article investigates how IFIs enlist technological innovations to improve customer experiences and establish a strong international presence. In this regard, digital platforms, AI-driven solutions and blockchain technology are main facilitators of IFIs in overcoming geographical barriers and providing user-friendly services. The role of strategic partnerships and alliances as a critical component of IFIs' international strategies is explored. Collaborations with local stakeholders enable expertise sharing, resource pooling and market penetration. The article concludes by discussing future trends and prospects for IFIs' international strategies. It pinpoints potential large-scale changes that will have a considerable impact on how IFIs engage in international expansion. The article emphasizes that, amidst all these turbulent conditions, a commitment to Islamic business ethics and social responsibility principles will continue to guide IFIs' strategic decisions as the most important anchors. In summary, this article offers a comprehensive examination of the international strategies pursued by Islamic financial institutions. By delving into the drivers, obstacles, and outcomes of IFIs' global expansion efforts, it provides valuable insights for practitioners, researchers, and policymakers. The article underscores how IFIs, driven by ethical considerations and guided by Sharia principles, can play a pivotal role in shaping the future of international finance while maintaining their commitment to social responsibility and financial inclusion.

Penerapan Etika Bisnis Islam Pada Café Dedy Di Trans Pir Unit 3 Dalam Perspektif Ekonomi Islam

Based on the results of the research conducted that (1) the application of business ethics from an Islamic economic perspective, namely maintaining Muslim entrepreneurial behavior such as the ethics carried out by the Prophet Muhammad in business, namely the characteristics of shiddiq, amanah, fathanah, tabligh, because in Islam there are also ethical rules that must be followed by business people and businesses. Alone. (2) The application of business ethics at Café Dedy is largely in accordance with Islamic business ethics. Islamic ethics includes the nature of shiddiq, which is demonstrated by not doubling the price of goods, being honest in measurements, and ensuring that the products sold do not include items prohibited in Islam. The characteristics Tabligh Café Dedy implements include communicating in a friendly manner, having a vision and mission that does not conflict with Islamic law, and establishing friendship with consumers. Trustworthiness also means keeping promises and providing reports to the owner regarding the money received and expenses made, which is a characteristic of hard working people. The nature of fathanah reflects the spiritual state of owners and employees who do not forget to worship Allah. Some of Dedy's cafes are not yet in accordance with Islamic business ethics, namely in terms of keeping promises; keeping promises to consumers in terms of ordering time, which is promised to be a maximum of 25 minutes, but sometimes it can be longer due to various factors such as kitchen factors and employees who work slowly and also employees' less careful attitude in checking delivery orders so that orders can be made wrong.

Implementasi Etika Bisnis Islam Dalam Meningkatkan Kinerja Karyawan di Percetakan CV. Citra Medan

The research aims to analyze the impact of implementing Islamic Business Ethics on enchancing employee perfomance at CV. Citra Medan Printing. The researcj methodology employed is descriptive qualitative research. Data ware gathered through the researcher’s field observations during an internship at the company and through interviews with the owner of CV. Citra Medan. The result of this studi demonstrate that the implementation of Islamic Business Ethics at CV. Citra Medan Printing has a positive impact on employee perfomance. Employees engaged in business practices aligned with islamic values tend to be more motivated, exhibit higher commitment levels and show improvements is productivity. This study provides recommendations for similar companies to consider implementing Islamic Business Ethics aas a strategy to boost employee perfomance and fortify the company’s image. Furthermore, this research contributes to a deeper understanding of how Islamic Business Ethics can be applied in the context of modern business.

Analisis Sistem Kemitraan Peternakan Ayam Broiler di Nagari Sungai Duo Kabupaten Dharmasraya Menurut Etika Bisnis Islam

This research is motivated by the existence of power inequality in the partnership system that exists between breeders and partner companies, unilateral policy making and a negative impact on breeders. The purpose of this study was to determine the analysis of the broiler farming partnership system in Nagari Sungai Duo according to Islamic business ethics. The type of research used is field research with a descriptive qualitative approach. Sources of data used in this study are primary data and secondary data with research informants livestock owners. Data collection techniques using interviews, observation and documentation. Data analysis techniques used include data reduction, data presentation and drawing conclusions. The results of this study indicate a partnership system between breeders and partner companies using a plasma nucleus pattern. The company acts as the core which has the role of providing production facilities, conducting coaching, controlling, scheduling, control and pricing agreements and marketing. While breeders as plasma provide stables complete with equipment and operational support equipment and focus on maintaining production facilities. The profit sharing system is determined by agreeing on a contract price at the beginning of the period, including sapronak and live chicken prices. The total sales/harvest of chickens based on the agreed contract price minus the total purchases of sapronak from the company, the result is the farmer's income. In a review of Islamic business ethics based on 5 principles including Unity, Equilibrium, Free wil, Responsibility and Benevolance, the partnership system that exists between breeders and partner companies is not fully in accordance with Islamic business ethics. The partnership system is not in accordance with the principles of Unity, Equilibrium, free will and benevolence.Keywords: Breeder, Islamic Business Ethics, Partnership System

Analisis Penerapan Etika Bisnis Islam Dalam Penggunaan Timbangan Di Pasar Tradisional (Studi Pada Pasar Desa Rawa Jaya Kec. Tabir Selatan Kab. Merangin Jambi)

The era of development in economic activities that are increasingly rapid will cause business competition will also be high, business people often forget the existence of business ethics in Islam. The problem that will be caused is the deviation of bell selling transactions, especially in traditional markets, such as reducing the dose in the scale. The use of weighing systems in the market, as a result of the use of weighing systems that are not in accordance with Islamic business ethics, and there are still many traders who continue to use scales that are no longer suitable for use. This research is expected from the officials of Rawa Jaya Village to provide direct education related to the use of weighing systems in the market. Tbalance or dose is a measuring instrument commonly used by sellers / traders in the process of buying and selling transactions. Which can be calculated the scale traded in the form of ounces, kilograms, quintals, and others using scales Presentation of data and problems used, researchers use qualitative types of research. Based on the results of research conducted, the lack of knowledge for traders about understanding the ethics of Islamic business, especially in the use of weighing systems, so that it will be possible for these traders to cause losses for buyers. In the principles of Islamic business ethics strongly prioritize the values of the Qur'an. Because of this, some basic values in Islamic business ethics have principles derived from Islamic teachings.

Pengaruh Etika Bisnis Islam terhadap Keberhasilan Usaha Pedagang Wisata Kuliner di Wanayasa Kuliner Fair

In practice, there are several Wanayasa Culinary Fair traders who do not apply good Islamic business ethics. This can have an impact on the success of the trader's business at the Wanayasa culinary fair. Because with good Islamic business ethics can provide opportunities for greater business success. This study aims to determine the correlational relationship between Islamic business ethics variables and business success variables. This study used a quantitative correlation method with a saturated sampling technique with a total population of 50 traders. The analysis technique used in this research is statistical analysis technique. Based on the results of data analysis, showed the results of a simple linear regression test with a significant value of 0.003. This value interprets that there is a significant relationship between Islamic business ethics variables and business success variables. The direction of influence shown is a positive direction of influence, which means that the higher the Islamic business ethics, the higher the success of the trader's business. The contribution made by Islamic business ethics to business success is 17.3%. This contribution shows that Islamic business ethics has an effect of 17.3% on the success of traders' businesses at the Wanayasa Culinary Fair.

Islamic Business Ethics in The Process of Termination of Employment Amid the Covid-19 Pandemic

This study aims to understand the application of Islamic business ethics in employee layoffs during the Covid-19 pandemic. This research method uses qualitative research methods. The data source is from the agenda of direct and indirect interviews with speakers selected by 10 participants: five entrepreneurs and five victims of layoffs. The finding shows that some business actors in Sukoharjo still need to understand the importance of instilling Islamic business ethics. This situation is proved by the discovery of ethical violations in doing business carried out by entrepreneurs, namely attaching importance to their business in the form of suddenly dismissing their employees, not giving severance pay to employees, being late in providing salaries, not being able to develop the business properly, and not instilling honesty. The violations committed by layoff victims are providing poor service, lack of expertise, and being undisciplined. This research should help future studies apply Islamic business ethics to layoffs. Islamic business principles protect entrepreneurs and layoff victims, allowing them to continue business during the pandemic and grow.