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All Journal INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Munawir Makmur
Halu Oleo University, Southeast Sulawesi, Indonesia
Economics, Econometrics & Finance

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STRENGTHENING THE MSME FINANCING ECOSYSTEM THROUGH SUSTAINABLE FUNDING ACCESS STRATEGIES IN SOUTH KONAWE REGENCY Akbar Wahbi; Munawir Makmur; Agus Zul Bay
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128404

Abstract

This study aims to analyze strategies for strengthening the financing ecosystem of Micro, Small, and Medium Enterprises (MSMEs) through sustainable financing access in Konawe Selatan Regency. The primary issue addressed is the limited accessibility of formal financing faced by rural entrepreneurs amid the demands of Indonesia's national green economic transition. This research employed a qualitative approach using a case study method. Data were collected through semi-structured interviews with 20 key informants, including MSME actors, regulators, and banking representatives, supported by participatory field observations and policy document analysis. The findings reveal four major themes: business legality constraints as the primary structural barrier, low financial literacy related to Environmental, Social, and Governance (ESG) principles, the strategic role of Village-Owned Enterprises (BUMDes) as local financial intermediary institutions, and challenges in adapting financial technology in areas with limited infrastructure. These findings contribute to the development of a community-based financial ecosystem model. The study concludes that strengthening the financing ecosystem requires policy synergy to facilitate MSME formalization and the development of inclusive green microfinance products. Practical implications include the need to enhance the managerial capacity of BUMDes and simplify licensing bureaucracy at the regional level. Future studies are recommended to quantitatively examine the effectiveness of this partnership model across broader regional contexts.
ANALYSIS OF BUSINESS OPPORTUNITIES IN AN EFFORTS TO INCREASE COMMUNITY INCOME IN THE MARINA TOGO MOWONDU TOURISM AREA, WANGI-WANGI DISTRICT, WAKATOBI REGENCY Munawir Makmur; Wa Ode Harliyanti Unga; Akbar Wahbi
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128466

Abstract

This study aims to analyze business opportunities in an effort to enhance community income in the Marina Togo Mowondu tourism area, Wangi-Wangi District, Wakatobi Regency. This research employs a qualitative descriptive approach, using data collection techniques such as in- depth interviews, observations, and document analysis. The participants involved in this study included local business operators, tourists, and relevant stakeholders. Data analysis was conducted using the Miles and Huberman interactive model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that the Marina Togo Mowondu tourism area possesses significant business potential in the culinary sector, souvenirs trade, transportation services, and tourism-based creative industries. The availability of natural tourism attractions, the increasing number of tourist visits, and active community participation serve as supporting factors for the development of these business opportunities. However, several constraints were identified, including infrastructure limitations, inadequate business management skills, and a lack of promotional strategies. Therefore, community capacity building, infrastructure improvement, and the optimization of digital marketing are required to foster business growth and ensure a sustainable increase in community income.
Co-Authors Agus Zul Bay Akbar Wahbi Wa Ode Harliyanti Unga