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The research was conducted at one of the existing Islamic bank in Sumenep district located on Jl. Trunojoyo No.137 Sumenep. Technological developments can be utilized to develop potential in all fields, one of which is financial technology in the field of Islamic banking. This financial technology has its own opportunities and challenges in achieving a goal both in terms of banks, customers and the government. This research aims to find out how the opportunities and challenges of implementing financial technology (fintech) in the BPRS Bhakti Sumekar Bank are related to improving financial inclusion in Sumenep. The sampling technique in this research uses purposive sampling and using data collection techniques, including observation, interviews, and documentation. The results of this research indicate that by utilizing technological developments especially financial technology can improve bank services for customers and reach the wider community. This convenience, it can attract the public to take advantage of services offered so that financial inclusion can increase.

Globalization is a phenomenon that cannot be separated from human life, where all international structures and orders change. Easy access to information, technology and the exchange of goods, services and ideology make globalization a very important part. Changing the structure and economic, political and social order at this time requires existing countries to adapt to all changes brought about by globalization. The birth of non-state actors in globalization then brought about its own changes, especially in the economic field. This study aims to explain how the impact of the Greek economic crisis on the European economic community. The method used in this research is a qualitative method with a descriptive approach. The results of this study indicate that the economic interdependence between European countries which has led to the birth of the European Economic Community (EEC) is very influential on one another. This can be seen from how the Greek crisis was able to change the economic policy order of member countries of the European Economic Community (EEC).

The problem studied in this thesis is about the sales strategy of stacked tofu in increasing tofu production at the tofu factory in Lalangon Village, Manding District. With the aim of knowing the sales strategy of Tofu at the Tofu Factory, Lalangon Village, Manding District, Sumenep Regency. In determining the strategy, the researcher uses a SWOT analysis by knowing the internal environment (strengths and weaknesses) and the external environment (opportunities and threats). The type of research in this study is to use a qualitative research type with the informants of the Lalangon Village Tofu factory owner, the Production section, Traders, and consumers. The research instrument was carried out by observation, interviews and documentation. The data analysis used is SWOT analysis. The results showed that the analysis of the internal environment had the strength of its own capital, business experience in the field of tofu, good relations between entrepreneurs, short distribution lines, good quality of tofu, guaranteed production continuity. Meanwhile, the weaknesses are limited working capital, low education level, no product diversity, limited promotion, less hygienic management of tofu, not evaluating and monitoring properly, waste management is not optimal. In external conditions, the opportunities that are owned are the attention from the government, there is trust from consumers, the continuity of raw materials is guaranteed, traders help expand marketing. Meanwhile, the threats are a complicated process to get capital from the cooperative service, competition in the quality and quantity of tofu between tofu factories, fluctuations in raw materials, etc. Strategies that can be applied are maintaining product quality by utilizing technological developments to maintain consumer confidence, improving the quality of human resources through programs from the government, establishing partnerships to improve marketing efficiency and using simple SOPs for effectiveness and efficiency. ; Masalah yang diteliti dalam ...