MSME Owners Research Articles

Sosialisasi Keuangan Digital Peer-To-Peer Lending (P2P) Terhadap Pelaku UMKM Di Desa Padangsambian Klod

Introduction: The success of MSMEs depends on financial literacy and problem-solving skills. However, many MSME owners in Desa Padangsambian Klod lack knowledge of financial management and Fintech P2P Lending, making them vulnerable to illegal online loans with high interest rates and unethical collection practices. Objective: This engagement intends to increase knowledge of the digital financial services available to MSMEs in Desa Padangsambian Klod by teaching them the nuances of what is involved in Fintech P2P Lending. The community seeks assistance from external sources in enabling them to increase their capital while decreasing the chances of becoming a victim of illegal online lending. Method: Socialization of the program was done on a face-to-face basis by going from one MSME owner to another. This method provided an opportunity for every MSME to receive focused education that addressed their individual challenges. Result: Knowledge was acquired by the participants concerning the distinctions between legal and illegal P2P Lending platforms, the dangers that stemmed from illegal lending practices, and how to choose a safe and licensed platform. Conclusion: There is a great need for financial literacy for MSMEs which would enable them to sober up to unscrupulous financial dealings. More initiatives have to be put into place in order to assist MSMEs to cope up with the changing environment in financing that is dominated by the digital world.

Analysis of The Impact of Using QRIS Merchant on Efficiency and Safety at UMKM in Manahan Shelter

All social activities, including payment systems, are experiencing rapid changes due to digitalization and technological advances. Bank Indonesia and the Indonesian Payment System Association (ASPI) launched an innovation, QRIS, as a QR Code-based non-cash payment standard. QRIS provides many benefits, especially for MSME players, who play a crucial role in maintaining the stability of the Indonesian economy. This study aimed to determine the effect of convenience, safety, and user attitudes on decisions to use QRIS. The population in this study was 210 shelters located in Manahan. This study uses a purposive technique with a sample size of 20% of the counters using QRIS as a payment method. This research uses a descriptive qualitative approach, for the primary data was obtained directly by distributing questionnaires and interviews to MSME owners in Manahan shelters. After that, the data obtained is processed using the interactive data analysis method by testing data reduction analysis, data display, and conclusion. The results of this study indicate that using the QRIS payment method makes it easier for consumers and MSME owners in Manahan shelters. Using QRIS as a means of payment does not guarantee safety even though it is equipped with an international standard safety system. However, technical disturbances often occur, which cause transfer failures. The solution so that technical disturbances do not occur when using QRIS is to check the internet network first.

The Influence of Financial Literacy, Financial Inclusion, and Fintech Usage on MSME Financial Performance: Study on MSME Actors of the Batik Handicraft Industry Center in Solo Raya

MSMEs are the main pillar of the Indonesian economy, playing a major role in employment, increasing GDP, and exporting local products. The government targets 90% financial inclusion by 2024, but low financial literacy is a challenge. MSMEs' performance could be improved by using fintech, however optimizing economic impact and guaranteeing business sustainability require a strong grasp of finance. With an emphasis on the connection between these factors and MSME performance, this study attempts to investigate how financial inclusion, financial literacy, and financial technology use affect MSMEs' financial success. The research involved 160 MSME owners from the Solo Besar Batik Craft Center, all of whom have adopted fintech-based payment systems. A straightforward random sampling procedure was used to choose the sample. Using a Likert scale, a questionnaire was used to gather primary data. Data analysis was conducted using SmartPLS 3 software, applying the probability sampling method (simple random sampling). The findings revealed that financial literacy, financial inclusion, and the use of financial technology significantly and positively influence the financial performance of MSMEs. Financial literacy aids in better management and increased profitability, financial inclusion broadens access to financial services, and financial technology enhances access to capital and improves transaction management. This research confirms the importance of these three factors for the growth and sustainability of MSMEs.

ANALISIS PENCATATAN LAPORAN KEUANGAN UMKM BERDASARKAN STANDAR AKUNTANSI KEUANGAN EMKM PADA ANJAS AKSESORIS

This activity aims to determaine whether the Financial Accounting Standards for Entities, Micro, Small and Medium Enterprises SAK EMKM and the obstacles faced by Anjas Accessories MSMEs. For this reason, an analysis was carried out. This activity uses qualitative activity. The data used in this activity are data primary data obtained directly from the MSMEs such as data from interviews with MSMEs as well as data from information from daily cash in and cash out records. Meanwhile, secondary data is obtained through literature studies of activity that has been carried out in accordance with the topic made in supporting this activity. according to the topic made in supporting this activity. MSMEs Anjas Accessories have not implemented SAK EMKM, due to the lack of understanding of MSME owners in making financial reports according to standardized MSMEs in making financial reports in accordance with accounting standards. This is can be seen in the financial data that has been made that the records made are only related to daily cash inflow and cash outflow records

Financial Training, Knowledge Management On Financial Competence To Improve Self Awareness In MSMEs At Sepande Village

This research aims to determine the effect of Financial Training, Knowledge Management on financial competence to increase Self Awareness in MSMEs in Sepande Village, Sidoarjo The population and sample for this research are the owners and operators of MSMEs in Sepande Village The research uses descriptive quantitative techniques A questionnaire is used as a data collecting instrument, and the Partial Least Square (PLS) analytic tool is used to process the data. The findings of the study demonstrate that financial training has a positive and significant impact on self-awareness, as does knowledge management. Financial training also has a positive and significant impact on financial competence, and knowledge management has a positive and significant impact on financial competence. Additionally, self-awareness plays a role in mediating the relationship between financial competence and financial training, as well as the relationship between knowledge management and financial competence of MSME actors and owners in Sepande Village. Based on the study's findings, it can be said that Self Awareness, an intervening variable, influences both Knowledge Management and Financial Competence of MSME actors and owners in Sepande Village as well as Financial Competence and Financial Training.

Pengenalan Digital Pemasaran Terhadap UMKM Lesehan GBK dan Angkringan ganza

In the modern era, digital marketing has become the main tactic to make MSMEs more competitive. With a focus on social media, Google My Business (GMB), digital promotions, and collaboration with food delivery platforms, this outreach activity is about the use of digital marketing in Lesehan GBK and Angkringan Ganza MSMEs. These findings indicate important improvements in sales, brand image and market reach. Strategies such as using Instagram for visual content, registering on GMB, special discount promotions, and collaborating with GrabFood and GoFood provide positive contributions. This research emphasizes the importance of digital training for MSME owners to optimize digital platforms. With an integrated approach, MSMEs can develop more competitively in the digital era.

Perancangan Aplikasi Inventory Barang Berbasis Web Pada UMKM XYZ

In today's digital era, technology has become a primary need in various activities and jobs. The use of the right application can produce the information needed effectively and efficiently, in this ever-evolving era, MSMEs must be able to adapt quickly to technological changes and changing consumer needs. In facing this challenge, efficient stock management is essential for the survival of MSMEs. Well-managed stock is not just a collection of goods stored in a warehouse, but a strategic element in the MSME supply chain. With the existence of a Web-based application, it is hoped that MSMEs in stock management can be better able to avoid excess and lack of stock. MSMEs are also able to respond quickly to changes in demand and internal needs. The design of this application will be made with the PHP, HTML programming languages, and using mySql as its database. The method used in making this application uses the prototyping method. The results of this study are in the form of a web system design that can help MSME owners in managing the Warehouse. The Prototype method is an approach to software development that focuses on creating fast and gradual designs, allowing immediate evaluation of the advantages and disadvantages of prototypes made by prospective users or clients. Developers and clients can engage in continuous interaction during the prototyping process.

Analisis Modal Kredit Usaha Rakyat dalam Meningkatkan Perkembangan UMKM dI Kota Tengah: Studi Kasus UMKM Dwi Laundry dan Toko Olfan

This study aims to determine the ideal working capital for MSMEs in the Central City District. The research used a quantitative approach with descriptive methods. The sample in this study was two MSMEs where data collection used observation, interviews and documentation. The data analysis technique uses debt ratio analysis, maximum loan analysis and calculation analysis of business capital sources from loans. The results showed that People’s Business Credit capital has a positive impact on improving the income and operations of MSMEs. Dwi Laundry and Toko Olfan recorded increased revenues thanks to the use of People's Business Credit capital, which allowed for increased operational capacity and improved financial performance from year to year. However, the research also found that MSME owners tend to use business income for personal purposes, which leads to confusion between personal and business finances and hinders strategic decision-making.

The Influence of Technology-Based Leadership Training for Women MSME Owners

MSMEs can strengthen Indonesia's prosperity, by creating added value and strengthening strategic economic sectors. Training for women business owners' skills needs to be supported by external factors that also significantly contribute to the development of business strategies. Business leaders, especially women leaders, play an essential role in bringing their businesses towards the desired goals. However, Women entrepreneurs are considered inferior in leading businesses because of their low abilities compared to men. Women entrepreneurs do not have access to leadership training, use current technology, and are uncertain about making MSME business decisions. The purpose of the study was to determine the relationship between the independent variable (leadership training), the dependent variable (business performance, digital competence, and business decision-making), and the moderating variable (business model innovation). This study involved 45 women entrepreneurs in East Java. Sampling showed a diverse demographic distribution in several districts and cities. The limited number of respondents is because the number of women entrepreneurs in Indonesia is only around 40%.This study uses Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis to determine the relationship between those variables. The study's results showed that leadership training positively and significantly affected business performance, digital competence, and business decision-making. The moderating variable, business model innovation, has an impact on the variables that have been raised previously. This study impacts Women leadership development through training so that Women entrepreneurs can improve sustainable business performance and strategies

Analysis of the Impact of E-Commerce Utilization, Digital Entrepreneurship, and Product Branding on MSME Customer Loyalty in West Java

This study examines the impact of Digital Entrepreneurship, E-Commerce Utilization, and Product Branding on MSME Customer Loyalty in West Java. A quantitative approach was employed with a sample of 200 MSME owners and customers, using a Likert scale (1-5) for data collection and Structural Equation Modeling - Partial Least Squares (SEM-PLS) for analysis. The results reveal that all three factors significantly influence customer loyalty, with E-Commerce Utilization having the strongest effect followed by Digital Entrepreneurship and Product Branding. These findings suggest that MSMEs that leverage digital platforms, adopt innovative business models, and establish strong brands are more likely to enhance customer satisfaction and loyalty. The study underscores the importance of integrating digital tools, e-commerce strategies, and branding in MSME operations to foster long-term customer relationships and competitiveness in the market.

The Impact Of Tourism On Micro Small And Medium Enterprises In Bukit Lawang Perkebunan Village

Tourism has a huge impact on economic growth, one of which is in reducing unemployment and increasing the productivity of a region, not only that the tourism sector also has a considerable impact on local MSMEs in the area. Bukit Lawang Plantation Village is one of the tourist areas whose local MSMEs depend on the tourism sector and rely on tourists as their main income. This study aims to analyse the impact of tourism on local MSMEs in Bukit Lawang Plantation Village using the PEST analysis framework which includes four main factors, namely political factors, economic factors, social factors and technological factors. The method used in this research is qualitative research method, this research uses interview techniques in collecting data, the informants interviewed are the owners of local MSMEs in Bukit Lawang Plantation Village. From the results of the research conducted, the factor that gets the biggest impact of tourism is the economic factor because tourism has a big influence in becoming the main income of local MSME owners.

Impact of Resilience Strategies and Developmental Policies on the Business Performance of Msmes in Krishnagiri District

Objectives: The study aims to identify and validate the components of resilience strategies employed by MSMEs in Krishnagiri district. Additionally, it seeks to measure the impact of these strategies and developmental policies on the business performance of MSMEs. Methods: Primary data were collected from MSME owners and employees across 10 zones in Krishnagiri district. A total of 250 usable responses were gathered using a convenience sampling method, with 25 responses collected per zone. The data were analyzed using structural equation modeling to evaluate the significance and effectiveness of resilience strategies. Results: The analysis revealed that resilience strategies are crucial for the recovery and sustained growth of MSMEs in the district. These strategies not only support business continuity but also contribute to the overall growth and development of MSMEs, ensuring long-term prudential benefits. Conclusion: The study concludes that resilience strategies play an essential role in enabling MSMEs to navigate challenges posed by pandemics and natural disasters. By implementing robust resilience strategies, MSMEs can achieve successful business recovery and contribute significantly to economic development at both state and national levels.

The Adaptation of Marketing Communication Strategies of MSMEs in Indonesia

Marketing communication strategies are an aspect that must adapt to changes or dynam- ics that affect business. This research aimed to determine the adaptation due to the dynamics of the policy regarding the TikTok Shop platform in Indonesia, which is considered to violate the regula- tion of Trade Minister of Indonesia Number 31 of 2023, which started to be effective on September 26, 2023. This research used a qualitative approach with the case study method; data was collected through observation and in-depth interviews. The informants consisted of MSMEs who use TikTok Shop to sell their products and marketing communications experts through purposive sampling as the informant selection technique. Research findings revealed that MSME owners understand and implement message source strategies that result in the ability to adapt to advances in digital marketing. MSME owners also understand the importance of selecting suitable media and clear creative strategies for conveying marketing messages. MSMEs affected by the dynamics of the Tik- Tok Shop policy in Indonesia should diversify their platforms and contents as the key to preventing possible obstacles. At the same time, awareness of change and the ability to adapt are the keys to success in the marketing communications strategy implemented by MSMEs.

COMPETITIVE ADVANTAGE THROUGH MARKET ORIENTATION, CREATIVITY AND PRODUCT INNOVATION

This research focuses on the use of market orientation, creativity, and product innovation as key strategies. This research uses quantitative methods and collects primary data through questionnaires and direct interviews with MSME owners. The sample size consisted of 100 respondents selected using proportional stratified random sampling technique with purposive sampling method. The data were analysed using descriptive verification analysis, validity and reliability tests, multiple linear tests and classical assumption tests. The results showed that creativity, innovation, and market orientation have a positive and significant effect on competitive advantage, both individually and jointly.

Pemberdayaan UMKM melalui Digitalisasi dan E-Commerce

This community service activity aims to develop the promotion and sales of MSMEs in Pringgoboyo village, Maduran sub-district, Lapmongan Regency. This village has various UMKM potentials but has only reached local marketing, namely traditional markets. In the modern era, digital marketing is growing rapidly with various applications that can reach consumers in various regions and many people from teenagers to adults have smartphones, but the use of these smartphones is not optimal, especially for MSME owners. Therefore, the people of Pringgoboyo village can develop the potential of MSMEs with a wider reach in utilizing digital marketing through smartphones. Data collection is carried out using interview techniques to obtain information, the data that has been obtained is then analyzed and described in accordance with the KKN-PAR stage. Due to the rapid development of digital, we have created a digital marketing training that can help the people of Pringgoboyo village. The community realizes the importance of digital marketing as a utilization of MSME product marketing.

Working Capital Management in Efforts to Improve Profitability and Competitiveness of MSMEs

Effective and efficient working capital management is necessary for every MSME so that the company's operational activities can increase profitability and competitiveness. Good working management can enable MSMEs to manage inventory, improve product marketing, and respond quickly to market changes, thereby increasing the competitiveness and profitability of MSMEs. The purpose of this service is to provide counselling on working capital management to Vezara MSMEs in PGC Cililtan East Jakarata. This training aims to make Vezara MSMEs understand working capital management so that cash can be used as efficiently as possible, selling goods as quickly as possible, avoiding liquidity problems and increasing production capacity. MSME owners must really know effective and efficient working capital management because this is the key to successful MSME operational activities in producing profitability and competitiveness. Therefore, the PKM Team needs to provide this training to help Vezara MSMEs make a profit.

Pengembangan Produk UMKM Tahu Melalui Pemanfaatan Platform Facebook

In this era, many people in Plosokandang Village have not utilized digital technology, even though small businesses play an important role in economic development. One example is Mr. Imin's tofu business. Through a community empowerment program for MSME owners in Plosokandang Village, Tulungagung Regency, entrepreneurs now have more insight into marketing, both offline and through social media such as Facebook. Social media helps them reach a wider range of consumers and meet market demand. The utilization of digital technology allows direct interaction with consumers, obtaining feedback, and adjusting products and marketing strategies. This program is expected to increase the competitiveness of MSMEs in the domestic market while supporting the sustainable strengthening of the community economy. With new skills, MSME owners are expected to be more proactive in facing the challenges of the digital era and support regional economic growth.s

OPTIMIZING DIGITAL MARKETING AND FINANCIAL REPORTS WITH TAMANSISWA TEACHING: NGARTI NGRASA

Community Service "Optimizing Digital Marketing and Financial Reports with Tamansiswa Teachings: Ngarti-Ngrasa" at UMKM Adrem Mawar Merah Mbak Tini in Piring II Village, Murtigading, Sanden, Bantul, focused on improving marketing strategies and financial management. The implementation method involves direct interviews with MSME owners to identify key problems, including a lack of understanding of marketing on online platforms and the complexity of financial reports. Interview results show that Adrem products are little known outside the Bantul area and experience difficulties in managing finances due to a lack of understanding of balance sheets and profit and loss statements. Therefore, the service team provides solutions through digital marketing materials and the preparation of effective financial reports. The aim of this program is to increase the visibility of Adrem products and increase the effectiveness of financial management, so as to improve the economy of these MSMEs.

Counseling on Optimizing Knowledge Sharing at MSMEs Sambal Ijo Bang Juna, Pematangsiantar City

This service activity aims to provide counseling regarding optimizing knowledge sharing at Sambal Ijo Bang Juna MSMEs in Pematangsiantar City. Knowledge sharing is important in developing small and medium businesses, especially in increasing efficiency and productivity. Through this outreach activity, MSME owners and employees can understand how to share knowledge effectively between fellow employees and business partners to create innovation and increase the competitiveness of green chili products. The method used in this activity is a participatory approach through discussion, training, and direct simulation. This counseling focuses on knowledge-sharing strategies, information management, and the application of simple technology that can support the knowledge-sharing process. The results of this activity will likely encourage Sambal Ijo Bang Juna MSMEs to be more adaptive to market changes and utilize their knowledge for product development and improving service quality.

Tantangan Wirausaha Penjual Kuliner Tradisional di Tengah Popularitas Makanan Modern Era Globalisasi Saat Ini

This research aims to analyze how traditional culinary MSMEs in Karang Rejo Village, Langkat Regency, adapt to global and digital competition. The focus is on the production and marketing strategy of sweet potato tape, pulut tape and lemang. This qualitative research uses in-depth interview methods with MSME owners to find the challenges they face, the marketing strategies used, product innovations carried out, and the use of digital technology. The research concluded that MSME entrepreneurs are experiencing various challenges, including reduced demand due to changes in consumer tastes, difficulties in obtaining supplies of raw materials, limited digital marketing strategies, and intense competition with modern culinary types. Even so, the unique taste of traditional dishes is still loved, especially when it comes to special religious celebrations. The strategy includes improving product quality, various interesting innovations, as well as utilizing digital marketing via social media and attending culinary events. The results of this research show that to maintain the sustainability of traditional culinary MSMEs, good cooperation is needed between product innovation, application of technology, and support from the community and government.