Indonesia's economic growth had shown a positive trend in the span of 2015-2020. On the other hand, Indonesia's economic growth affected the inequality in a negative way. Ideally, the economic growth must be followed by social development actions. Researcher designed a digital platform which was formed as a combination of marketplace and crowdfunding model. This research aimed (1) to analyze consumer interests and problems in shopping and donating online (2) to formulate appropriate features and services to answer consumer interests and problems in shopping and donating online, (3) to develop verified business models and to design Embrace Indonesia prototypes according to consumer preferences. This research was conducted based on the stages of customer discovery in the customer development method to identify problems and generate business models to be a solution to the problem of shopping and donating online. The results of the research identifed 10 problems and their solutions in shopping and donating online by providing 6 features on the prototype, as well as a verified business model for Embrace Indonesia. The results of found that Embrace Indonesia's features as a digital platform can be a solution for customers in shopping and donating online.

Kawista is a fruit that belongs to oranges, it has round shape with thick and hard skin and special aroma. The purpose of this research is to identify customer needs for non-coffee beverage and produce The Blankon. The method used was customer development that is focused on customer discovery by using canvas model. The study conducted in coffee shops in Bogor City from February to March 2020. The results showed that The Blankon answered the customers' wants. The sweet levels classified as adequate (not too sweet) and not leaving traces of sweetness in the mouth. The Blankon has distinctive aroma, and refreshing as drinks. Based on the result, about 92% of respondents were potential to choose The Blankon as their beverages.

The existence of MSMEs plays an important role because they are proven to have contributed significantly to the economic stability of a country and were able to survive, especially after the economic crisis. On the other hand, MSMEs also face many problems, one of which is that there is no separation of business finances with personal finances, so that recording financial reports remains a problem for MSMEs players. This study aims to identify the condition of financial records and create an appropriate financial recording system, as well as to analyze changes in financial records and their impact on the Abon Ayam 'Amanah' micro business in increasing competitiveness. Data analysis uses accounting recording systems for manufacturing companies and trading companies. The results showed that the Abon Ayam 'Amanah' micro business had not recorded business finances based on accounting principles so that it could not know the costs in detail. Therefore, financial records are prepared based on evidence of transactions and adjusted to business conditions. After applying a simple accounting-based financial recording system, business owners can identify changes in capital value, added value of assets, cost of goods manufactured, and net income during the observation period. The strategy so that the Abon Ayam 'Amanah' micro business can increase competitiveness is to record more informative financial reports, better business planning, control in managing capital, and business development. ABSTRAKKeberadaan UMKM memegang peranan penting karena terbukti memberi kontribusi yang cukup signifikan terhadap stabilitas ekonomi suatu negara dan mampu bertahan terutama pasca krisis ekonomi. Disisi lain UMKM juga menghadapi banyak masalah, salah satunya yaitu tidak adanya pemisahan keuangan usaha dengan keuangan pribadi, sehingga pencatatan laporan keuangan tetap menjadi masalah bagi pelaku UMKM. Penelitian ini bertujuan untuk mengidentifikasi kondisi pencatatan keuangan dan membuat sistem pencatatan keuangan yang tepat, serta menganalisis perubahan pencatatan keuangan dan dampaknya pada usaha mikro Abon Ayam ‘Amanah’ dalam meningkatkan daya saing. Analisis data menggunakan sistem pencatatan akuntansi untuk perusahaan manufaktur dan perusahaan dagang. Hasil penelitian menunjukkan bahwa usaha mikro Abon Ayam ‘Amanah’ belum mencatat keuangan usaha berdasarkan kaidah akuntansi sehingga tidak dapat mengetahui biaya-biaya secara rinci. Oleh karena itu, disusunlah pencatatan keuangan berdasarkan bukti transaksi dan disesuaikan dengan kondisi usaha. Setelah diterapkannya sistem pencatatan keuangan sederhana berbasis akuntansi, pelaku usaha dapat mengidentifikasi perubahan nilai modal, pertambahan nilai aset, harga pokok produksi, dan laba bersih selama periode pengamatan. Strategi agar usaha mikro Abon Ayam ‘Amanah’ dapat meningkatkan daya saing adalah dengan melakukan pencatatan laporan keuangan yang lebih informatif, perencanaan usaha yang lebih baik, pengendalian dalam mengelola modal, dan pengembangan usaha.

The creativity and innovation of domestic telecommunications operators is still very slow and lagging behind the creativity and innovation developed abroad. This has an impact on profitability measured by ROA on five telecommunications companies listed in the IDX. Often companies need additional funds in expanding their business units. Therefore, one of the ways in which companies fulfill their funding needs is to use operating leverage and financial leverage. In this case the company must also pay attention to company liquidity, which is the company's ability to pay all short-term financial obligations at maturity. The purpose of this study is to analyze the effect of operating leverage (DOL), financial leverage (DFL) and liquidity (CR) on profitability (ROA) in the telecommunications industry listed in the IDX. The research method used is descriptive verification analysis with explanatory survey approach and hypothesis testing using multiple regression analysis with panel data. The sampling technique uses purposive sampling to obtain five companies of research samples. Research period for 2012-2018. The results of this study are operating leverage and financial leverage not significant positive effect on profitability, liquidity has a significant negative effect on profitability, and simultaneously operating leverage, financial leverage, and liquidity have an effect on profitability. Suggestions that can be given in accordance with the results of the study are for Telecommunications Companies need to perform liquidity risk management which means maintaining sufficient cash balances in the effort to fulfill financial liabilities.

The MSMEs assistance program is a model of MSMEs development that focuses on efforts to improve the institutional system (capacity building) and managerial aspects of MSMEs, which are carried out intensively and continuously, by actively involving professional MSMEs consultants. This consultant is tasked with providing consultation and coaching, specifically relating to the daily operations of MSMEs. The purpose of this paper are to 1) explain what problems are being faced as obstacles to the development of MSMEs; 2) understand the assistance requirements for MSMEs; 3) design an integrated assistance model as a solution for the development of MSMEs in Cibaduyut. This research uses a qualitative methodology. The data used consisted of primary data and secondary data. Primary data were obtained from direct field observations, in-depth interviews with UPT IKM Cibaduyut and several shoe craftsmen in Cibaduyut. Secondary data was obtained from previous research reports, journals, internet sites, and sourcebooks. The results prove that implementing the integrated assistance model are expected to improve the ability of MSMEs to analyze the results of business simulations, compile financial models so as to be able to utilize capital well, and make conclusions on the performance of companies or organizations with a high degree of accuracy and clarity. This study concludes that a asisstance program is needed to develop an independent and optimally developing MSMEs. The steps in the assistance program include planning, implementation, evaluation and development.