The acceleration of the digital economy occurs after Covid-19. The demand for different digital transactions experiences sharpens, encompassing demand for services, financial technology (fintech), e-commerce, and digital payment application before and when the Covid-19 pandemic existed. This study aims to identify the accessibility of the digital economy for the MSMEs sector. It gives guidelines for MSMEs and their relationship to strengthening their power competitiveness before and after Covid-19. This research was analyzed using primary data with a survey technique (questionnaire) from 150 samples of MSMEs in the Gowa district. Accelerating the digital economy in this study includes (1) knowing the concept, (2) having an application, and (3) being able to use application-related demand on services, financial technology, and e-commerce, as well as digital payments. Then the competitiveness in this study uses a proxy of MSMEs earnings before and after Covid-19 exists. The results show that respondents in the wellliterate and literate categories understand the concept of demand on service by 75.33%, 91.34% for fintech, and 63.3% for e-commerce. Conversely, the MSMEs having the application shows a downward trend, especially fintech (47.33%) and e-commerce (46.67%). Meanwhile, at the user level, e-commerce also has the lowest percentage (26%) and demand for service (72%). The results also show that 22 units of MSMEs experienced increased turnover after the Covid-19 shock. Seven units of MSMEs are less literate, twelve are literate, and three are in the well-literate category.

Banking sector mediation is related to efficiency in economic performance. As a financial institution, banks need to maintain their performance in order to operate optimally, one factor that must be considered is efficiency in performance. This research aimed to analyze the efficiency of Islamic Banks and Conventional Commercial Bank in Indonesia. Using a purposive sample technique for two Islamic banks and two commercial banks. Fixed assets, deposits, and other operating expenses as input variablesused, while credit as output variable.  Using Data Envelopment Analysis to calculate the efficiency of banking. The results show that all Sharia Commercial Bank samples reached efficiency level 1 was efficient. Besides, the sample of conventional commercial banks used in this study is not all efficient. This is due to one of the sample banks having an efficiency level below one, which is 0.644. It means that conventional bank groups are inefficient.

Poverty is a classic problem faced by developing countries including Indonesia. An increase in poverty will reduce the welfare of the Indonesian people. This study aims to determine the effect of unemployment and inflation on poverty in Indonesia. The results of the ECM analysis show that unemployment has a significant effect on poverty in the short term and long term in Indonesia while inflation has an insignificant effect on poverty in the short term and long term in Indonesia.

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