Small and medium enterprises (SMEs) throughout the world are facing a very complicated crisis due to COVID-19 pandemic and other structural challenges. This study is aimed at demonstrating the challenges faced by SMEs, particularly the struggles that women entrepreneurs of SMEs in Indonesia experienced to survive against these structural issues: COVID-19, digital presence and the male-dominated business sector in the country. Focusing on female-owned businesses in Yogyakarta, Indonesia, this paper carefully considers how social media platforms helped these businesses to continue. Using a descriptive quantitative approach, we collected data from 130 respondents and found that the COVID-19 pandemic has severely affected women entrepreneurs—especially those operating small and medium enterprises. They have experienced reduced income due to decreased sales, disrupted supply chains, difficulty paying credit instalments, and lack of access to government assistances. This study further sheds light on social media’s important role in sustaining women-owned businesses. Facebook, WhatsApp, and Instagram have become the new tools through which women promote their products and reach new audiences. To overcome this issue, we advise a stronger government intervention to women-owned SMEs in the post-pandemic. Aside from managing social media for selling, we recommend women-owned small companies to internally intensify digital engagement, promotions, coupled by innovative products and attractive offers such as discounts.

This study explores the efforts of Indonesian women entrepreneurs to sustain their businesses during the COVID-19 crisis of 2020–2021. Focusing on female-owned businesses in Yogyakarta, this research places particular emphasis on how social media contributes to their survival. Using a quantitative approach to analyze data collected from 130 respondents, the researchers found that the pandemic has severely affected women entrepreneurs—especially those operating SMEs. Most significantly, women have experienced reduced income due to decreased sales, disrupted supply chains, and difficulty paying credit instalments. Although women entrepreneurs are particularly vulnerable to economic shocks, most lack access to assistance from government and private programmes. This study also sheds light on social media's Important role in saving women's businesses. Facebook, WhatsApp, and Instagram have become the main instruments through which women market their businesses and reach new audiences. Aggressive promotions, accompanied by attractive offers such as discounts and additional services, have helped women entrepreneurs reduce their losses. Overall, we conclude that women entrepreneurs found innovative ways to survive their businesses during a time of crisis.

Pembuatan tepung porang sebagai upaya peningkatan penjualan umbi porang di masa pandemi covid19

Micro, IBM's partner program (science and technology to the Community) are SMEs Heroine Boyong I (stick milk) and Heroine Boyong II (milk candy). Both are micro-scale industry based on fresh dairy product businesses.IBM program on SME partners focused on the aspects of production and management. All activities in the production aspect functioned to improve the capacity and quality of production and increase dairy product variants. While aspects of management consists of: marketing, financial administration and human resource capacity building functioned as a partner in running the business well.Outputs from the aspects of production activities are: lay out production in accordance with the concept of lean manufacturing, the addition of production capacity, increased efficiency of production of milk candy, increasing dairy product variants can be produced, the product is equipped with a production label and expiration date. In terms of management: managed to get a halal certificate from MUI, promotion of relevant equipment, attractive product design, wider marketing network, the use of social media for marketing, simple financial statements, bill of sale authorized, improved business mentality, and the ability of Partners in processing of fresh dairy products bertamba increased. Keywords: SMEs, science and technology transfer, production and management

This paper is derived from the findings of community service programs aimed at improving women's access to Islamic microfinance Institutions, thereby empowering them and increasing their financial inclusion. The method to achieve the objective was through three educational sessions. The first session introduced participants to Islamic microfinance institutions, mainly focusing on BMT. The second session concentrated on women's empowerment, while the final session highlighted the importance of financial inclusion for women. The outcomes of these activities were increased knowledge, awareness, and skills among women regarding BMT, women's empowerment, and financial inclusion. In the future, additional training programs are necessary to further enhance women's empowerment, primarily related to financial and digital literacy, as these skills still need to be developed among the participants.

The study investigated the determinants of Generation Z's intention to adopt green banking using four variables: financial literacy, sustainability literacy, green banking intention, with trust serving as a mediating variable. Generation Z was selected as the target group due to their high awareness of environmental issues and advanced digital skills, which may make them more receptive to eco-friendly efforts such as green banking. A digital survey in 2024 focused on the youth of Yogyakarta, Indonesia. Of the distributed questionnaires, 417 valid responses were collected, resulting in a response rate of 40%. The data was analyzed using PLS-SEM. The results demonstrate that financial literacy substantially affects both sustainability literacy (β = 21.255, p = 0.000) and trust (β = 11.261, p = 0.000), which consequently influence green banking intention. Additionally, financial literacy directly encourages green banking adoption (β = 4.006, p = 0.000), while trust primarily acts as a determinant in bridging financial literacy and intention to act (β = 11.262, p = 0.000). The findings can assist policymakers and SDG adopters in engaging post-millennials as key actors for promoting the UN sustainable development framework and spreading eco-literacy within their communities at various levels.