Micro, Small And Medium Enterprises Actors Research Articles

The Role Of Innovation In Mediating The Influence Of Entrepreneurial Characteristics And Orientation On Performance

Micro, Small and Medium Enterprises (MSMEs) are strategically important in the Indonesian economic system. Entrepreneurs play an important role in managing business operations to achieve high performance. Performance is influenced by entrepreneurial characteristics and orientation mediated by innovation to achieve business success. This study aims to provide empirical evidence on the influence of entrepreneurial characteristics and orientation towards performance mediated by innovation at coffee shops in Malang City. This research is quantitative research using a questionnaire instrument conducted on a research sample of 145 members of the Malang Coffee Lovers Community. Data analysis was performed using PLS-SEM SmartPLS 3.2.9. The results showed that characteristics and entrepreneurial orientation have a significant positive effect on performance, and the innovation plays a role as mediator between characteristics and entrepreneurial orientation towards performance. The high performance in the coffee field could be achieved if MSME actors as entrepreneurs pay attention to their daily attitude characteristics, especially in terms of experience in quality coffee business management and its production, and also have an entrepreneurial orientation, especially by paying attention to the commitment to innovate so that they can produce coffee product innovations which then also have an impact on improving performance in the form of increasing optimal operating profits

Pengaruh Modal, Tingkat Pendidikan Dan Penggunaan Teknologi Pada Pendapatan UMKM Sektor Perdagangan Di Denpasar Barat

This research aims to obtain empirical evidence on the effect of capital, education level, and the use of technology on the income of Micro, Small and Medium Enterprises (MSMEs) in the trade sector in West Denpasar. The population of this study is all MSMEs in the trade sector in West Denpasar District with a sample of 99 MSMEs based on the slovin formula. Data collection techniques in the study were carried out by distributing questionnaires with a Likert scale of 1-5. The data analysis technique used in this study is multiple linear regression. The results of the study can prove that the variables of capital, level of education, and use of technology have a positive and significant effect on the income of MSMEs in the trading sector in West Denpasar. The implications of this research are expected to be taken into consideration and input by other MSME actors in increasing income by taking into account capital, education level, and the use of technology.
 Keyword: MSMEs, capital, education, technology and income

DYNAMICS OF SHARIA BANKING IN IMPROVING COMMUNITY EMPOWERMENT OF MICRO SMALL AND MEDIUM ENTERPRISES (UMKM) IN PASURUAN DISTRICT (Case Study at KCP Pandaan Sharia Bank)

This study discusses Islamic banking in increasing community empowerment of Micro, Small and Medium Enterprises (MSMEs) in Pasuruan Regency, to find out the role of Islamic banking in increasing MSMEs in Pasuruan Regency and to find out MSMEs actors in utilizing Islamic banking to increase their business. The authors used a qualitative descriptive research type, namely field research conducted at the Indonesian Sharia Bank KCP Pandaan. There are two sources of data used in this study, namely primary data sources and secondary data sources. Primary data sources are data obtained directly from customers Bank Syariah Indonesia KCP Pandaan. This data source comes from data obtained through interviews with informants and secondary data in research in the form of documentation. Based on the results of the research conducted, it can be concluded that the existence of Bank Syariah Indonesia KCP Pandaan provides results and impacts on MSMEs actors in Pasuruan Regency. This can be concluded because MSME actors are getting better and developing after financing at KCP Pandaan Sharia Bank. So the efforts made by Bank Syariah Indonesia KCP Pandaan in increasing MSMEs are increasing products and marketing strategies through the Community Empowerment program. 

Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending

<span lang="EN-AU">The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports</span><span lang="EN-US">.</span>

Exploration of challenges and readiness MSMEs coffee business in the age of global trade based on carbon footprint (Ecolabel)

Indonesia’s export-oriented products and industries face technological barriers, especially agriculture, and plantations, to declare eco-label products in world trade competition. In fact, exports from this sector are one of the contributing factors to Indonesia’s GDP. The third rank of Indonesia’s mainstay agricultural and plantation sector export commodities is coffee. This study aims to comprehensively determine the challenges and readiness of coffee micro, small and medium enterprises (MSMEs) in Java in the global trade era based on carbon footprint. This study uses in-depth interviews with 7 coffee MSME actors in West and East Java. We use SWOT analysis to explore strengths, weaknesses, opportunities, and threats. The results showed that only 4 out of 7 coffee MSME actors knew about carbon footprint. This is due to limited knowledge of carbon reduction, carbon tax, and the advantage of the certification. Carbon footprint certification is considered an investment. Even though the certification process will be costly, meticulous, and lengthy, it can be an opportunity for the domestic products to be competitive with global products. The government must really know which business sectors will be subject to carbon tax so that they are right on target. They must consolidate with all related parties such as business owners, farmers, academics, and associations.

PENDAMPINGAN PENCATATAN DAN PEMBUKUAN SEDERHANA BAGI KELOMPOK UMKM DI KELURAHAN MELAYU KOTA PIRING

One of the most important business sectors for economic development is Micro, Small and Medium Enterprises (MSMEs). However, MSME actors are still not aware of the development of the financial aspect. This is due to the lack of motivation and ability of MSME actors in managing their business finances. The purpose of this community service activity is to provide assistance to MSME actors regarding simple recording and bookkeeping so that in the future MSME actors master the basics and procedures for recording and simple bookkeeping so that they can make good financial reports. The method used is by way of mentoring. The results obtained from this activity are that MSME actors have new insights and abilities in carrying out this simple recording and bookkeeping

Sosialisasi Cara Membuat Desain Kemasan Produk Mockups dan Smartmockups pada Canva bagi Pelaku UMKM Desa Cikancung

This activity aims to provide guidance to Micro, Small and Medium Enterprises (MSMEs) in Cikancung Village on how to make product packaging designs (packaging) mockups and smartmockups using the Canva platform. The method used in this activity is the Participatory Action Research (PAR) method. In this context, PAR will involve MSME actors in Cikancung Village in the entire research process. The results of the activity show that MSME players in Cikancung Village can make product packaging designs mockups and smartmockups in Canva, including improving the quality of packaging design, improving product image and branding, facilitating promotion and marketing, attracting more consumers, increasing product competitiveness, saving production costs, increasing sales and profits.

Business Incubator Centers and Their Role in Empowering Micro, Small, and Medium Enterprises in Sidoarjo

Kebonagung Village, a Sukodono District area, is home to a growing number of Micro, Small, and Medium Enterprises (MSMEs) but lacks effective product marketing management. The lack of a Business Incubator Center (BIC) hinders MSMEs from developing their marketing strategies. This study aims to map MSMEs' existing potential and development needs in Kebonagung Village through various BIC networks. The research methodology combines Participatory Rural Appraisal (PRA) and Asset-Based Community Development (ABCD), with the active involvement of MSME actors. The program stages involve field observations, preparation, implementation, and socialization activities. The results show that the existing potential of MSMEs falls into the "micro" category, with a weighted score of 76.23%. The BIC network provides effective support with a "good" rating of 64.21%. The MSME development program has yielded outcomes such as the formation of the "Forum Asosiasi UMKM Bonagung" and opportunities for further collaboration with BIC.

Resilience of MSME Actors in Bantaeng Regency during the Covid-19 Pandemic

The Covid-19 pandemic has hit Indonesia, affecting various sectors including Micro, Small and Medium Enterprises (MSMEs). MSMEs as a pillar of national economic growth have been significantly affected. The government provides various policies and support, but the challenges faced by MSMEs are still enormous. This research focuses on the resilience of hamlet-based MSME actors in Bantaeng Regency identified through Social Support (I Have), Personal Strength (I Am), and Ability to Do (I Can). Data were obtained through observation, interviews, and documentation. The results of this research show the resilience of hamlet-based MSME actors in Bantaeng Regency. Government support through programs and policies, the courage of MSME actors in taking action, and interpersonal skills determine resilience. Specific government support and special training are needed for MSME actors, especially in the use of e-commerce. The utilization of e-commerce is expected to make MSME actors more resilient.

Promotion of Aceh MSMes Products in Malaysia: Looking for Export Opportunities

The Promotion of Aceh MSME Products in Malaysia initiative by the Faculty of Economics and Business, Syiah Kuala University, aims to explore export opportunities for products of Micro, Small, and Medium Enterprises (MSMEs) students fostered by lecturers. The community service method for increasing MSME product exports is carried out by providing training and promotion of student MSME actors and the products produced. That is following various other community service activities, namely conducting training on human resource management, especially actors and employees, and promoting MSMEs products. Post-training results on MSME products and student actors showed significant improvement in MSME management and product quality. The results of this service focused on the introduction and exhibition of MSME products at international events at Universiti Kebangsaan Malaysia.

The Impact of Innovation and Government Intervention on the Performance of Micro, Small and Medium Enterprises

During the COVID-19 pandemic, Micro, Small and Medium Enterprises (MSMEs) experienced a decline in performance due to low product demand. Therefore, various efforts need to be undertaken to enhance MSMEs' performance in Indonesia. Addressing this issue, this research aims to examine the influence of innovation and government intervention in improving the performance of SMEs in Indonesia. The study employs a quantitative approach with a population of MSME actors in Central Kalimantan, a province of Indonesia. Through proportional random sampling, 356 SME operators were identified as respondents for this study. Data were collected using a survey method and analyzed using simple and multiple linear regression. The results indicate that innovation and government intervention have a positive and significant impact on improving MSMEs' performance both partially and simultaneously. Therefore, this research implies that the more MSMEs engage in innovation and with government involvement in efforts to support MSME development, the greater the opportunity to enhance MSME performance in Indonesia.

Online Single Submission Risk Based Approach Policy (OSS RBA) for Micro Small Business Development Intermediate

Regional developments in global competition have demanded efforts to increase competitiveness through avoiding the occurrence of a high cost economy that has been complained about so far, due to the slow government bureaucracy which always demands greater costs than the service bureaucracy itself, for example through licensing facilities, to create efficiency for optimal resource utilization, in the context of building the birth of a perfect market mechanism. Market failure can be avoided by formulating licensing norms. Increasing regional competitiveness and absorption of regional income in the investment sector through the implementation of the Online Single Submission Risk Based Approach (OSS RBA) System Policy for Micro, Small and Medium Enterprises (MSMEs), for this reason, every business activity has a direct impact on modifying the policy format model, including institutional structure, and related to business service platforms, for the Central and Regional Governments. At the level of local policies, this is not an easy problem, in an effort to accommodate these interests, in the era of global competition. The effectiveness of the implementation of the RBA OSS System Policy by Regional Governments, as well as how to overcome obstacles to the policy are very interesting to analyze, regarding MSME Actors who experience limited conditions, in terms of capital, mastery of technology and market share. The method used to analyze is doctrinal (normative juridical), on the approach of the concept of law as written law in the form of statutory texts, which are built by local government regulations. The research findings state that the Regional Government, that Micro, Small and Medium Enterprises still need assistance to register permits, in terms of the RBA OSS System Policy in the mission of optimizing the policy, massive socialization must be carried out to the community, especially MSME actors, to increase information on the importance of this policy. In the end, the business actors in question no longer make mistakes in relation to determining the choice of categorization of Micro Small and Non-Small Micro Enterprises. This policy model is directly very influential in efforts to improve the efficiency of public services, and avoid the high cost economy that occurs.

Strategy For Strengthening MSMEs Capabilities : Implementation Of Digital Marketing As A Means Of Promotion And Commercialization Of Business Products In The Kencana Village Of Bogor City

Kencana Village has a lot of potential from the products produced by its people. Micro, Small and Medium Enterprises (MSMEs) in this area still market their products conventionally and have not marketed them through digital marketing. Even though digital marketing can really help MSMEs in the progress of their business. The large number of users of social media, e-commerce, Google and websites can be used as an opportunity for entrepreneurs to market the products they want. Activity objectives: increase the understanding and ability of the Kencana Village community regarding digitalization of MSMEs products, provide training regarding the use of digital media as a means of product promotion and commercialization, create an MSMEs website portal, and provide solutions related to problems experienced by local business actors in conducting sales and business promotions through digital media. The methods used are training and mentoring, media content creation practices, then data processing methods are also used through cobweb analysis and the Customer Satisfaction Index (CSI). The results of the spider analysis show that each competency parameter produces an average value of 4.76, indicating that all of them fall into the strongly agree category, as well as having a significant impact in increasing the knowledge and understanding of the participants. Meanwhile, research results regarding the level of satisfaction using the CSI method were found to be 89%, which shows that the public is satisfied with the training services provided. Results achieved: a) Increased understanding regarding digital marketing concepts and media that can be used to market MSME products, b) Increased skills related to creating product promotional content for social media and e-commerce, c) Creation of an MSME website which will be managed by the local MSME actors as a means of product promotion and commercialization, d) Motivation to implement digital marketing in Kencana Village, Bogor City.

ANALISIS PENGARUH TINGKAT LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU UMKM DI GUNUNGSARI

This study aims to determine the effect of financial literacy level on financial management in MSME actors in Gunungsari District. The type of research used in this study is associative with a quantitative approach. The sample set in this study is 35 units of Micro, Small and Medium Enterprises (MSMEs) made from wood, bamboo and rattan with a total of 70 respondents in Gunungsari District. The data collection technique in this study was a questionnaire. The results showed that financial literacy has a positive and significant effect on financial management. So this indicates that the higher the level of financial literacy owned, the better the financial behavior.

Transforming Mebeler MSME Marketing in Ngempit Village Kraton Pasuruan through Digital Marketing Strategies

The Covid-19 pandemic that occurred in Indonesia caused many problems, one of which was in the economic sector. Part of the economic sector that also feels the impact is the Micro, Small and Medium Enterprises (MSMEs) sector. Ngempit Village, Kraton District, Pasuruan Regency is one of the villages with residents whose community economic activities are partly as MSME actors. The COVID-19 pandemic has caused demand and income to decrease. This mentoring uses a service-learning approach with three main stages, namely preparation, service and evaluation. The results of the assistance through digital marketing literacy for UMKM Mebel with a service-learning approach have proven to be effective in increasing income, demand, and expanding the business reach of UMKM Mebel, thus making a positive contribution to the local economy. This mentoring initiative has also been successful in unraveling the challenges faced by UMKM Mebel entrepreneurs who struggle in finding customers.

PELATIHAN PENYUSUNAN LAPORAN KEUANGAN SEDERHANA PADA PELAKU UMKM MIE AYAM DAN CENDOL DAWET

Micro, small and medium enterprises (MSMEs) have an important role as stabilizers and dynamizers in economic growth in a country, especially developing countries such as Indonesia. However, the problem that is often faced by MSMEs is the lack of knowledge about financial reports, this causes financial performance to not be clearly known. The purpose of this training is to provide understanding and knowledge in making financial reports correctly and designing reports simply for MSME actors. The method used in this training starts with the pre-survey preparation stage, program implementation, discussion, and evaluation. This training has been achieved and is evidenced by the success indicators as measured by assessing the understanding and knowledge of the participants through several questions that have been given, the value obtained is 20% before the training. then after the training the number increases to 80%. Based on the data obtained, with this training activity it can be said that the understanding and knowledge of the participants has increased significantly.

Increasing Awareness of Tax Obligations for MSME Actors

This community service activity aims to provide education and assistance to Micro, Small and Medium Enterprises (MSMEs) by providing an understanding of the basic concepts of taxation, tax rights, and obligations for MSMEs. The method of implementing community service activities is carried out in several stages. The first stage is the planning stage through observation and preliminary interviews on the subject of community service. The second stage is the implementation of activities in the form of training, which is carried out through the presentation of materials, calculation practice, reporting, and tax payment procedures, as well as discussions. The third stage is monitoring, which aims to address the problems faced by MSMEs in fulfilling their tax obligations independently. MSME owners need to be equipped with adequate tax knowledge to increase their awareness of MSME tax compliance. Moreover, limited knowledge is one of the obstacles to the development of MSMEs. Through continuous participation in tax socialization activities such as tax advice and seminars, MSME taxpayers using e-commerce will increase their awareness and compliance. Based on the activities carried out, MSME owners (actors) in Pare Kediri as MSME business operations managers gain a significant understanding of MSME tax rights and obligations. The community service activities still need follow-up activities to ensure that the MSME actors have correctly calculated their tax obligations and have fulfilled their tax obligations by the applicable regulations. Therefore, the community service activities can be continued in the following year's activities.

Tax Knowledge and Gender: The Impact in Improving Tax Compliance of MSME Actors

The objective of the Directorate General of Taxes, a governmental entity operating within the Ministry of Finance, is to enhance tax revenue by implementing tax reforms that streamline the tax system. These reforms encompass modifications to tax rates, non-taxable income thresholds, and tax collection procedures. Despite serving as a fundamental pillar of the nation's economy, a significant number of Micro, Small, and Medium Enterprises (MSMEs) exhibit non-compliance concerning their tax obligations. A research investigation was undertaken to ascertain the influence of tax knowledge, gender, and individual characteristics on the tax compliance of Micro, Small, and Medium Enterprises (MSMEs) in the tax office of KPP Pratama Kota Tegal. The employed metadata analysis methodology involved utilizinutilizationar regression analysis. The intended outcome of this research endeavor is the endeavor of the findings in reputable journals that are accredited with a SINTA rating of 3 or 4. The primary objective of this research is to enhance tax compliance among Micro, Small, and Medium Enterprises (MSMEs), hence leading to an increase in regional revenues. Additionally, this study seeks to contribute to overall development efforts.

The Role of Government Policy on the Influence of Digital Marketing Through Social Media on the Performance of Micro, Small and Medium Enterprises (MSMEs) in Indonesia

The research objective ware to examine the role of government policy on the influence of digital marketing through social media on MSMEs in Indonesia. This type of research is quantitative, with an explanatory approach. The research ware conducted on 500 MSME actors or owners in Indonesia who used digital marketing through social media channels (Instagram, Facebook and Twitter) as their marketing tools. Data collection through a questionnaire in the form of a google form which is distributed online. The questionnaire was processed and transformed into an interval scale using the Method of Successive (MSI), then analyzed using the SEM (Structural Equation Modeling) model through the AMOS software. The results showed that perceived ease of use had a positive effect on attitudes towards using social media. Perceived usefulness of using social media has a positive effect on attitudes towards using social media. The attitude of using social media has a positive effect on the use of social media. The use of social media has a positive effect on the performance of MSMEs. That is, the higher the use of social media, the higher the performance of MSMEs. Government policies have a positive effect on the performance of MSMEs. That is, the higher the government policy, the higher the performance of MSMEs. Government policies moderate the influence of social media use and MSME performance. That is, government policies strengthen the influence of social media use and the performance of MSMEs.

Factors Affecting MSME Actors' Interest In Becoming Customers For Islamic Bank Financing

This research aims to analyze the influence of Islamic financial literacy, capital requirements, ratios, and convenience on the interest of micro, small, and medium enterprises (MSMEs) to become Islamic bank financing customers. This research uses a descriptive quantitative approach with an analytical method such as multiple linear regression. The population of this research is all MSME actors in East Java. The research sample was obtained from 63 MSMEs in East Java using the Roscoe approach. The data source uses primary data as a questionnaire and is analyzed using multiple linear regression. The research results show that Islamic financial literacy, capital requirements, nisba, and convenience significantly influence the interest of MSMEs to become Islamic bank financing customers. Partially, only the nisba positively and significantly affects the interest of MSMEs to become Islamic bank financing customers. Islamic financial literacy, capital requirements, and convenience do not influence the interest of MSMEs to become Islamic bank financing customers. This research can be used as a complement to existing theories. It can be used as a reference for Islamic banks and the government in developing strategies to attract MSMEs to become Islamic bank financing customers.