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December 10, 2023
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March 20, 2024
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This study explores the importance of developing Micro, Small and Medium Enterprises (SMEs) and the creative economy, as well as their position as the main drivers of economic growth. Focusing on North Kayong District, West Kalimantan, Indonesia, this research highlights the resilience and innovation demonstrated by SMEs in overcoming challenges. Government initiatives target the mitigation of barriers, with an emphasis on developing local superior products to increase regional competitiveness. The main objective is to utilize local potential to create sustainable opportunities for economic expansion and poverty alleviation. Qualitative research methods, through observation, focus group discussions (FGD), and questionnaires, as well as data analysis techniques including difference tests and SWOT analysis. The research results show that there are significant differences between government policies and the expectations of SMEs, while the results of the SWOT analysis show that SMEs have strengths to be developed such as the availability of local raw materials and market uptake, but have challenges such as limited access to funding, infrastructure, training and promotion. product. The position of SMEs is in quadrant two, the most appropriate diversification strategy, including product, market and place diversification. Government mitigation to support the development of SMEs, through policies developing road and transportation infrastructure to facilitate access to products and markets, providing markets for sales of superior products, training facilities for SMEs. The impact on local communities is as a provider of raw materials, developing SMEs and the creative economy, as well as increasing the economy and regional competitiveness.
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Copyright (c) 2024 Sartono Sartono, M. Zalviwan, Dina Octaviani, Angga Hendharsa, Ali Afif, Sigit Sugiardi
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How to Cite
DEVELOPMENT POLICIES OF THE MICRO, SMALL, AND MEDIUM ENTERPRISES (SMEs) FOR IMPROVING REGIONAL COMPETITIVENESS. (2024). Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian Dan Agribisnis, 23(01), 111–128. https://doi.org/10.31186/jagrisep.23.01.111-128
References
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Adejoh, M. O. (2021). Commercial Bank Credit To Micro, Small, And Medium Enterprises (SMES) And Economic Growth In Nigeria. Journal Of Economics And Allied Research. 6(4), 24-34. Retrieved from https://jearecons.com/index.php/jearecons/article/download/123/125
Amelia, M. N., Prasetyo, Y. E., & Maharani, I. (2017). E-UMKM: Aplikasi Pemasaran Produk UMKM Berbasis Android Sebagai Strategi Meningkatkan Perekonomian Indonesia. Prosiding SNATIF. Retrieved from http://jurnal.umk.ac.id/index.php/SNA/article/view/1238
Amri, F. (2017). Permasalahan UMKM: Strategi Dan Kebijakan. Lecturer Repository. Retrieved from https://repository.stkipjb.ac.id/index.php/lecturer/article/view/94
Arjang, A., Sutrisno, S., Permana, R. M., Kusumastuti, R., & Ausat, A. M. A. (2023). Strategies For Improving The Competitiveness Of SMEs Through The Utilisation Of Information And Communication Technology. Al-Buhuts, 19(1), 462-478. doi: 10.30603/ab.v19i1.3405
Ayuba, B., & Zubairu, M. (2015). Impact Of Banking Sector Credit On The Growth Of Small And Medium Enterprises (SME’s) In Nigeria. Journal Of Resources Development And Management, 15(1), 1–9. Retrieved from https://iiste.org/Journals/index.php/JRDM/article/view/27706
Azizah, S., & Astuti, M. (2022). Analisis Strategi Pemasaran Usaha Mikro Kecil Dan Menengah (Umkm) Salon Aura Depok Dalam Menghadapi Era New Normal Pandemi Covid-19. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3 (2), 654-652. doi: 10.38035/jmpis.v3i2.1127
Azzahra, C. I., Suyanto, S., & Darmayanti, E. F. (2021). Pengaruh Kreativitas, Modal Usaha, Diversifikasi Produk Dan Kebijakan Pemerintah Terhadap Keberlanjutan Bisnis UMKM (Studi Pada UMKM Bidang Perdagangan Di Kelurahan Iringmulyo Kota Metro). Jurnal Akuntansi AKTIVA, 2(1), 104-112. doi: 10.24127/akuntansi.v2i1.903
Babajide, A. A., et al. (2020). Financial Technology, Financial Inclusion And SMEs Financing In The South-West Of Nigeria. Academy Of Entrepreneurship Journal, 26(3), 1-17. Retrieved from http://www.academia.edu/107782172/Financial_technology_financial_inclusion_and_SMEs_financing_in_the_south_west_of_Nigeria?f_ri=30855
Fariana, R., Purwanto, T., & Adi, B. (2020). Pelatihan Pembukuan Sederhana Untuk Meningkatkan Kinerja Keuangan Pelaku Usaha Di Desa Kebontunggul Kecamatan Gondang Kabupaten Mojokerto. Ekobis Abdimas, 1(1), 37–44. Retrieved from https://jurnal.unipasby.ac.id/index.php/ekobisabdimas/article/view/2339/2018
Harahap, J., Sriyoto, S., & Yuliarti, E. (2018). Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Petani Salak Dalam Memilih Saluran Pemasaran. Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis, 17(1), 95–106. doi: 10.31186/jagrisep.17.1.95-106
Hunger, J. D., & Wheelen, T. L. (2003). Manajemen Strategis (2nd ed). Yogyakarta: Andi Offset. Retrieved from http://scholar.google.co.id/scholar?q=Hunger,+J.+D.,+%26+Wheelen,+T.+L.+(2003).+Manajemen+strategis&hl=id&as_sdt=0&as_vis=1&oi=scholart
Jatmiko, B., et al. (2021). Strategies For SMEs To Achieve Sustainable Competitive Advantage: The SWOT Analysis Method. The Journal Of Asian Finance, Economics And Business, 8(3), 505-515. doi: 10.13106/jafeb.2021.vol8.no3.0505
Jaya, B. P. M., Fasyehhudin, M., & Naddifah, W. (2022). Kebijakan Pemerintah Tentang Merek Dalam Memberikan Perlindungan Hukum Terhadap UMKM. Jurnal Ilmiah Advokasi, 10(2), 98-105. Retrieved from http://jurnal.ulb.ac.id/index.php/advokasi/article/view/2333
Manurung, R. (2021). Pendampingan Pembuatan Laporan Keuangan Untuk Meningkatkan Pendapatan Pelaku UMKM Di Desa Kramat Kecamatan Kembaran. IJCOSIN: Indonesian Journal Of Community Service And Innovation, 1(1), 1–7. doi: 10.20895/ijcosin.v1i1.268
Manurung, R., & Rahardjo, A. K. (2019). Faktor Pendukung Keputusan Umkm Dalam Mengambil Modal Usaha Dengan Model Peer-To-Peer (P2P) Lending. EDUSAINTEK, 3(1),650-659. Retrieved from http://prosiding.unimus.ac.id/index.php/edusaintek/article/view/290
Murwadji, T., Asmara, T. T. P., & Kusuma, S. (2020). People’s Business Credit: Omnibus Law And Business Reengineering Community Financial Institutions. Transnational Business Law Journal, 1(1), 21–36. Retrieved http:/jurnal.fh.unpad.ac.id/index.php/transbuslj/article/view/281
Natasya, V., & Hardiningsih, P. (2021). Kebijakan Pemerintah Sebagai Solusi Meningkatkan Pengembangan UMKM Di Masa Pandemi. Journal Of Economics And Business, 5(1), 141-148. doi: 10.33087/ekonomis.v5i1.317
Palit, S. M. L. (2021). Perlindungan Hukum Melalui Kebijakan Terhadap Umkm Pada Masa Pandemi Covid 19 Di Kota Jayapura. Jurnal Hukum Ius Publicum, 1(2), 147-163. doi: 10.55551/jip.v2i2.14
Ramdhani, A., & Ramdhani, M. A. (2017). Konsep Umum Pelaksanaan Kebijakan Publik. Jurnal Ilmiah Bidang Ilmu Administrasi Negara, 11(1), 1-12. Retrieved from https://journal.uniga.ac.id/index.php/JPB/article/view/1
Retnaningdiah, D., & Muafi, M. (2022). Production And Institutional Contribution To The Competitiveness Of SMEs: The Mediation Role Of SMEs Performance Based On Green Economy. International Conference on Business and Technology (pp. 278-288). Cham: Springer International Publishing. doi: 10.1007/978-3-031-26953-0_27
Romdhon, M. M., Sukiyono, K., & Wibowo, H. E. (2023). Penguatan Kompetensi Pelaku Usaha Dalam Penyusunan Laporan Keuangan Sederhana Pada UMKM Kare-Kare Ubi Di Kabupaten Rejang Lebong. Jurnal Pengabdian Pasca Unisti (JURDIANPASTI), 1(2), 105-112. doi: 10.48093/jurdianpasti.v1i2.156
Sitorus, S. A., Liana, T. M. M., & Samosir, A. T. (2023). Literasi Investasi Bagi UMKM di Kelurahan Sempakata Kecamatan Medan Selayang Kota Medan. Journal of Social Science and Technology for Community Service (JSSTCS), 4(1), 124–128. doi: 10.33365/jsstcs.v4i1.2660
Suhaili, M., & Sugiharsono, S. (2019). Role of SMEs In Absorbing Labor And Contribution to GDP. Economics Development Analysis Journal, 8(3), 301-315. doi: 10.15294/edaj.v8i3.35229
Taiwo, O. S., Hakan, A. C. E. T., & Savaş, Ç. (2022). Modeling The Impacts Of Smes’ Contributions To GDP And Their Constraints On Unemployment: The Case Of African’s Most Populous Country. Studies In Business And Economics, 17(1), 154-170. doi: 10.2478/sbe-2022-0011
Tarigan, Z. N. A. B., Dewi, F. N., & Pribadi, Y. (2022). Keberlangsungan Usaha Mikro, Kecil, Dan Menengah Di Masa Pandemi: Dukungan Kebijakan Pemerintah. Jurnal BPPK: Badan Pendidikan Dan Pelatihan Keuangan, 15(1), 12-23. doi: 10.48108/jurnalbppk.v15i1.666
Tekola, H., et al. (2019). Contributions Of Micro, Small And Medium Enterprises (SMEs) To Income Generation, Employment And GDP: Case Study Ethiopia. Journal Of Sustainable Development, 12(3), 46-81. doi: 10.5539/jsd.v12n3p46
Vinatra, S. (2023). Peran Usaha Mikro, Kecil, Dan Menengah (UMKM) Dalam Kesejahteraan Perekonomian Negara dan Masyarakat. Jurnal Akuntan Publik, 1(3), 01-08. doi: 10.59581/jap-widyakarya.v1i3.832
Widjajanti, K., et al. (2023). Strategic Choice Development Using SWOT Analysis: Diversification Strategy of Batik Creative Industry in Blora, Indonesia. JEE, 12(1), 198–212. doi: 10.15294/JEEC.V12I1.76455
Yanti, V., Sofyanty, D., & Ong, D. (2021). Competency Development Strategy For Smes Actors In The Use Of Icts In Rural And Urban Areas In An Effort To Support Business Sustainability (Case Study Of SMEs In The Regency And City Of Bandung). Journal of Industrial Engineering & Management Research, 2(1), 90-94. doi: 10.7777/jiemar.v2i1.116
References
Adejoh, M. O. (2021). Commercial Bank Credit To Micro, Small, And Medium Enterprises (SMES) And Economic Growth In Nigeria. Journal Of Economics And Allied Research. 6(4), 24-34. Retrieved from https://jearecons.com/index.php/jearecons/article/download/123/125
Amelia, M. N., Prasetyo, Y. E., & Maharani, I. (2017). E-UMKM: Aplikasi Pemasaran Produk UMKM Berbasis Android Sebagai Strategi Meningkatkan Perekonomian Indonesia. Prosiding SNATIF. Retrieved from http://jurnal.umk.ac.id/index.php/SNA/article/view/1238
Amri, F. (2017). Permasalahan UMKM: Strategi Dan Kebijakan. Lecturer Repository. Retrieved from https://repository.stkipjb.ac.id/index.php/lecturer/article/view/94
Arjang, A., Sutrisno, S., Permana, R. M., Kusumastuti, R., & Ausat, A. M. A. (2023). Strategies For Improving The Competitiveness Of SMEs Through The Utilisation Of Information And Communication Technology. Al-Buhuts, 19(1), 462-478. doi: 10.30603/ab.v19i1.3405
Ayuba, B., & Zubairu, M. (2015). Impact Of Banking Sector Credit On The Growth Of Small And Medium Enterprises (SME’s) In Nigeria. Journal Of Resources Development And Management, 15(1), 1–9. Retrieved from https://iiste.org/Journals/index.php/JRDM/article/view/27706
Azizah, S., & Astuti, M. (2022). Analisis Strategi Pemasaran Usaha Mikro Kecil Dan Menengah (Umkm) Salon Aura Depok Dalam Menghadapi Era New Normal Pandemi Covid-19. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3 (2), 654-652. doi: 10.38035/jmpis.v3i2.1127
Azzahra, C. I., Suyanto, S., & Darmayanti, E. F. (2021). Pengaruh Kreativitas, Modal Usaha, Diversifikasi Produk Dan Kebijakan Pemerintah Terhadap Keberlanjutan Bisnis UMKM (Studi Pada UMKM Bidang Perdagangan Di Kelurahan Iringmulyo Kota Metro). Jurnal Akuntansi AKTIVA, 2(1), 104-112. doi: 10.24127/akuntansi.v2i1.903
Babajide, A. A., et al. (2020). Financial Technology, Financial Inclusion And SMEs Financing In The South-West Of Nigeria. Academy Of Entrepreneurship Journal, 26(3), 1-17. Retrieved from http://www.academia.edu/107782172/Financial_technology_financial_inclusion_and_SMEs_financing_in_the_south_west_of_Nigeria?f_ri=30855
Fariana, R., Purwanto, T., & Adi, B. (2020). Pelatihan Pembukuan Sederhana Untuk Meningkatkan Kinerja Keuangan Pelaku Usaha Di Desa Kebontunggul Kecamatan Gondang Kabupaten Mojokerto. Ekobis Abdimas, 1(1), 37–44. Retrieved from https://jurnal.unipasby.ac.id/index.php/ekobisabdimas/article/view/2339/2018
Harahap, J., Sriyoto, S., & Yuliarti, E. (2018). Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Petani Salak Dalam Memilih Saluran Pemasaran. Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis, 17(1), 95–106. doi: 10.31186/jagrisep.17.1.95-106
Hunger, J. D., & Wheelen, T. L. (2003). Manajemen Strategis (2nd ed). Yogyakarta: Andi Offset. Retrieved from http://scholar.google.co.id/scholar?q=Hunger,+J.+D.,+%26+Wheelen,+T.+L.+(2003).+Manajemen+strategis&hl=id&as_sdt=0&as_vis=1&oi=scholart
Jatmiko, B., et al. (2021). Strategies For SMEs To Achieve Sustainable Competitive Advantage: The SWOT Analysis Method. The Journal Of Asian Finance, Economics And Business, 8(3), 505-515. doi: 10.13106/jafeb.2021.vol8.no3.0505
Jaya, B. P. M., Fasyehhudin, M., & Naddifah, W. (2022). Kebijakan Pemerintah Tentang Merek Dalam Memberikan Perlindungan Hukum Terhadap UMKM. Jurnal Ilmiah Advokasi, 10(2), 98-105. Retrieved from http://jurnal.ulb.ac.id/index.php/advokasi/article/view/2333
Manurung, R. (2021). Pendampingan Pembuatan Laporan Keuangan Untuk Meningkatkan Pendapatan Pelaku UMKM Di Desa Kramat Kecamatan Kembaran. IJCOSIN: Indonesian Journal Of Community Service And Innovation, 1(1), 1–7. doi: 10.20895/ijcosin.v1i1.268
Manurung, R., & Rahardjo, A. K. (2019). Faktor Pendukung Keputusan Umkm Dalam Mengambil Modal Usaha Dengan Model Peer-To-Peer (P2P) Lending. EDUSAINTEK, 3(1),650-659. Retrieved from http://prosiding.unimus.ac.id/index.php/edusaintek/article/view/290
Murwadji, T., Asmara, T. T. P., & Kusuma, S. (2020). People’s Business Credit: Omnibus Law And Business Reengineering Community Financial Institutions. Transnational Business Law Journal, 1(1), 21–36. Retrieved http:/jurnal.fh.unpad.ac.id/index.php/transbuslj/article/view/281
Natasya, V., & Hardiningsih, P. (2021). Kebijakan Pemerintah Sebagai Solusi Meningkatkan Pengembangan UMKM Di Masa Pandemi. Journal Of Economics And Business, 5(1), 141-148. doi: 10.33087/ekonomis.v5i1.317
Palit, S. M. L. (2021). Perlindungan Hukum Melalui Kebijakan Terhadap Umkm Pada Masa Pandemi Covid 19 Di Kota Jayapura. Jurnal Hukum Ius Publicum, 1(2), 147-163. doi: 10.55551/jip.v2i2.14
Ramdhani, A., & Ramdhani, M. A. (2017). Konsep Umum Pelaksanaan Kebijakan Publik. Jurnal Ilmiah Bidang Ilmu Administrasi Negara, 11(1), 1-12. Retrieved from https://journal.uniga.ac.id/index.php/JPB/article/view/1
Retnaningdiah, D., & Muafi, M. (2022). Production And Institutional Contribution To The Competitiveness Of SMEs: The Mediation Role Of SMEs Performance Based On Green Economy. International Conference on Business and Technology (pp. 278-288). Cham: Springer International Publishing. doi: 10.1007/978-3-031-26953-0_27
Romdhon, M. M., Sukiyono, K., & Wibowo, H. E. (2023). Penguatan Kompetensi Pelaku Usaha Dalam Penyusunan Laporan Keuangan Sederhana Pada UMKM Kare-Kare Ubi Di Kabupaten Rejang Lebong. Jurnal Pengabdian Pasca Unisti (JURDIANPASTI), 1(2), 105-112. doi: 10.48093/jurdianpasti.v1i2.156
Sitorus, S. A., Liana, T. M. M., & Samosir, A. T. (2023). Literasi Investasi Bagi UMKM di Kelurahan Sempakata Kecamatan Medan Selayang Kota Medan. Journal of Social Science and Technology for Community Service (JSSTCS), 4(1), 124–128. doi: 10.33365/jsstcs.v4i1.2660
Suhaili, M., & Sugiharsono, S. (2019). Role of SMEs In Absorbing Labor And Contribution to GDP. Economics Development Analysis Journal, 8(3), 301-315. doi: 10.15294/edaj.v8i3.35229
Taiwo, O. S., Hakan, A. C. E. T., & Savaş, Ç. (2022). Modeling The Impacts Of Smes’ Contributions To GDP And Their Constraints On Unemployment: The Case Of African’s Most Populous Country. Studies In Business And Economics, 17(1), 154-170. doi: 10.2478/sbe-2022-0011
Tarigan, Z. N. A. B., Dewi, F. N., & Pribadi, Y. (2022). Keberlangsungan Usaha Mikro, Kecil, Dan Menengah Di Masa Pandemi: Dukungan Kebijakan Pemerintah. Jurnal BPPK: Badan Pendidikan Dan Pelatihan Keuangan, 15(1), 12-23. doi: 10.48108/jurnalbppk.v15i1.666
Tekola, H., et al. (2019). Contributions Of Micro, Small And Medium Enterprises (SMEs) To Income Generation, Employment And GDP: Case Study Ethiopia. Journal Of Sustainable Development, 12(3), 46-81. doi: 10.5539/jsd.v12n3p46
Vinatra, S. (2023). Peran Usaha Mikro, Kecil, Dan Menengah (UMKM) Dalam Kesejahteraan Perekonomian Negara dan Masyarakat. Jurnal Akuntan Publik, 1(3), 01-08. doi: 10.59581/jap-widyakarya.v1i3.832
Widjajanti, K., et al. (2023). Strategic Choice Development Using SWOT Analysis: Diversification Strategy of Batik Creative Industry in Blora, Indonesia. JEE, 12(1), 198–212. doi: 10.15294/JEEC.V12I1.76455
Yanti, V., Sofyanty, D., & Ong, D. (2021). Competency Development Strategy For Smes Actors In The Use Of Icts In Rural And Urban Areas In An Effort To Support Business Sustainability (Case Study Of SMEs In The Regency And City Of Bandung). Journal of Industrial Engineering & Management Research, 2(1), 90-94. doi: 10.7777/jiemar.v2i1.116
Amelia, M. N., Prasetyo, Y. E., & Maharani, I. (2017). E-UMKM: Aplikasi Pemasaran Produk UMKM Berbasis Android Sebagai Strategi Meningkatkan Perekonomian Indonesia. Prosiding SNATIF. Retrieved from http://jurnal.umk.ac.id/index.php/SNA/article/view/1238
Amri, F. (2017). Permasalahan UMKM: Strategi Dan Kebijakan. Lecturer Repository. Retrieved from https://repository.stkipjb.ac.id/index.php/lecturer/article/view/94
Arjang, A., Sutrisno, S., Permana, R. M., Kusumastuti, R., & Ausat, A. M. A. (2023). Strategies For Improving The Competitiveness Of SMEs Through The Utilisation Of Information And Communication Technology. Al-Buhuts, 19(1), 462-478. doi: 10.30603/ab.v19i1.3405
Ayuba, B., & Zubairu, M. (2015). Impact Of Banking Sector Credit On The Growth Of Small And Medium Enterprises (SME’s) In Nigeria. Journal Of Resources Development And Management, 15(1), 1–9. Retrieved from https://iiste.org/Journals/index.php/JRDM/article/view/27706
Azizah, S., & Astuti, M. (2022). Analisis Strategi Pemasaran Usaha Mikro Kecil Dan Menengah (Umkm) Salon Aura Depok Dalam Menghadapi Era New Normal Pandemi Covid-19. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3 (2), 654-652. doi: 10.38035/jmpis.v3i2.1127
Azzahra, C. I., Suyanto, S., & Darmayanti, E. F. (2021). Pengaruh Kreativitas, Modal Usaha, Diversifikasi Produk Dan Kebijakan Pemerintah Terhadap Keberlanjutan Bisnis UMKM (Studi Pada UMKM Bidang Perdagangan Di Kelurahan Iringmulyo Kota Metro). Jurnal Akuntansi AKTIVA, 2(1), 104-112. doi: 10.24127/akuntansi.v2i1.903
Babajide, A. A., et al. (2020). Financial Technology, Financial Inclusion And SMEs Financing In The South-West Of Nigeria. Academy Of Entrepreneurship Journal, 26(3), 1-17. Retrieved from http://www.academia.edu/107782172/Financial_technology_financial_inclusion_and_SMEs_financing_in_the_south_west_of_Nigeria?f_ri=30855
Fariana, R., Purwanto, T., & Adi, B. (2020). Pelatihan Pembukuan Sederhana Untuk Meningkatkan Kinerja Keuangan Pelaku Usaha Di Desa Kebontunggul Kecamatan Gondang Kabupaten Mojokerto. Ekobis Abdimas, 1(1), 37–44. Retrieved from https://jurnal.unipasby.ac.id/index.php/ekobisabdimas/article/view/2339/2018
Harahap, J., Sriyoto, S., & Yuliarti, E. (2018). Faktor-Faktor Yang Mempengaruhi Pengambilan Keputusan Petani Salak Dalam Memilih Saluran Pemasaran. Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis, 17(1), 95–106. doi: 10.31186/jagrisep.17.1.95-106
Hunger, J. D., & Wheelen, T. L. (2003). Manajemen Strategis (2nd ed). Yogyakarta: Andi Offset. Retrieved from http://scholar.google.co.id/scholar?q=Hunger,+J.+D.,+%26+Wheelen,+T.+L.+(2003).+Manajemen+strategis&hl=id&as_sdt=0&as_vis=1&oi=scholart
Jatmiko, B., et al. (2021). Strategies For SMEs To Achieve Sustainable Competitive Advantage: The SWOT Analysis Method. The Journal Of Asian Finance, Economics And Business, 8(3), 505-515. doi: 10.13106/jafeb.2021.vol8.no3.0505
Jaya, B. P. M., Fasyehhudin, M., & Naddifah, W. (2022). Kebijakan Pemerintah Tentang Merek Dalam Memberikan Perlindungan Hukum Terhadap UMKM. Jurnal Ilmiah Advokasi, 10(2), 98-105. Retrieved from http://jurnal.ulb.ac.id/index.php/advokasi/article/view/2333
Manurung, R. (2021). Pendampingan Pembuatan Laporan Keuangan Untuk Meningkatkan Pendapatan Pelaku UMKM Di Desa Kramat Kecamatan Kembaran. IJCOSIN: Indonesian Journal Of Community Service And Innovation, 1(1), 1–7. doi: 10.20895/ijcosin.v1i1.268
Manurung, R., & Rahardjo, A. K. (2019). Faktor Pendukung Keputusan Umkm Dalam Mengambil Modal Usaha Dengan Model Peer-To-Peer (P2P) Lending. EDUSAINTEK, 3(1),650-659. Retrieved from http://prosiding.unimus.ac.id/index.php/edusaintek/article/view/290
Murwadji, T., Asmara, T. T. P., & Kusuma, S. (2020). People’s Business Credit: Omnibus Law And Business Reengineering Community Financial Institutions. Transnational Business Law Journal, 1(1), 21–36. Retrieved http:/jurnal.fh.unpad.ac.id/index.php/transbuslj/article/view/281
Natasya, V., & Hardiningsih, P. (2021). Kebijakan Pemerintah Sebagai Solusi Meningkatkan Pengembangan UMKM Di Masa Pandemi. Journal Of Economics And Business, 5(1), 141-148. doi: 10.33087/ekonomis.v5i1.317
Palit, S. M. L. (2021). Perlindungan Hukum Melalui Kebijakan Terhadap Umkm Pada Masa Pandemi Covid 19 Di Kota Jayapura. Jurnal Hukum Ius Publicum, 1(2), 147-163. doi: 10.55551/jip.v2i2.14
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