In 1997-1998, the resilience of small and medium enterprises (SMEs) was tested when the monetary recession paralysed Indonesia. At that time, only SMEs were detected as shining and the most prominent from other sectors. This study is oriented to investigate the effect of the quality of human resources (HR), capital, and business length on turnover, labor cost, market share, and profit. The study design is offline survey, where primary data is collected from a sample that invites 285 respondents in three zones of Indonesia. Sources of information focused on and addressed to three SME scales covering the fields of trade, industry, and services. Then, the data is processed, filtered, and set using the structural equation model (SEM). The findings confirm that the HR quality and capital drives an increase in turnover, labor cost, market share, and profit. At one point, the business length actually only stimulated turnover, labor cost, and market share, but did not generate significant profits. But, significant of labor cost, market share, and profit followed the increase in turnover. Similarly, between labor cost to market share and profit, where the results are significant. The market share affects profit. It is important for a country to realize that disruptions in financial access, HR capabilities, and experience attributes trigger the inhibition of domestic market performance. These three alternatives give birth to strong SMEs.

Indonesia’s economy is experiencing a contemporary phase marked by decades of financial turmoil. Fluctuations in money demand are inseparable from the responsibilities of Bank Indonesia, which is the holder of rules and regulations and has full control of tracking the effects of financial flows. In reality, the imbalance between the demand for money and the supply of money with limited stock and capacity has an impact on macroeconomic turmoil. The orientation of this study follows up on the causality between gross domestic product (GDP), deposit interest rates and the rupiah exchange rate against the demand for money in Indonesia. The quantitative research approach supports the objective. Time series data from 2006–2020 was obtained from the Central Statistics Agency of Indonesia and Bank Indonesia. The data was analyzed using the error correction model (ECM) through EViews 9.0. The indications are that in the short and long terms, GDP and the rupiah exchange rate have a positive effect and increase the demand for money. An increase in deposit rates has a negative effect on the demand for money. Holistic recommendations concentrate on parallel and collaborative monetary instruments between executive parties, including banking. Also, it is necessary to control and visualize policies that are more comprehensive and consider holistic issues related to the aggressiveness of money circulation, which has the potential to disrupt the macroeconomy.

Covid-19 menyedot perhatian dan menganggu jalannya perekonomian dan ini dialami diseluruh Negara-negara di dunia, termasuk untuk Indonesia. Porak-porandanya ekonomi, khususnya bagi usaha mikro, kecil, dan menengah (UMKM) pengrajin ketupat juga mengalami efek kemerosotan pandemi. Perubahan ini tentu menjadi krisis tersendiri di dalam keberlangsungan UMKM tersebut. Bersamaan dengan ancaman kesejahteraan, pemerintah sebenarnya telah mengeluarkan kebijakan, alternatif, dan gagasan sebagai upaya membantu pelaku UMKM untuk bangkit ditengah degradasi ekonomi. Faktanya, tampak belum cukup, dimana kendala di lapangan memunculkan ketidakpastian. Selain sokongan finansial, mereka juga memerlukan pemahaman dan wawasan secara konkrit dari berbagai mitra (semisal akademisi). Dari pengabdian kepada masyarakat (PKM) ini, kami konsen untuk menawarkan sebuah strategi yang merangsang UMKM pengrajin Ketupat untuk bisa beradaptasi dan mandiri, sehingga dapat menyesuaikan diri terhadap dunia marketing. Solusi praktis adalah menerapkan modernisasi penjualan produk secara online, aktualisasi promosi, dan mengemas sitematika dalam kecanggihan sistem tanpa mengesampingkan protokol kesehatan walaupun sekarang ini tengah beranjak ke era new normal. Pendampingan dan evaluasi berkala menentukan arah, prospek, dan eksistensi bisnis mendatang.