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Keywords Anggaran, Realisasi Anggaran, Biaya Tenaga Kerja Business Ethics, Contracts, Buying and Selling, Sharia Principles Customer Loyalty Financial Ratios, Covid-19 Pandemic, Liquidity Ratios, Solvency Ratios, Profitability Ratios. Gerakan Tanpa Riba, Pengusaha Muslim Government Intervention Interest, Religiosity, Learning Achievement, Work Readiness Islamic Economics Frame Keputusan Menjadi Nasabah. Kinerja usaha, Akses permodalan Market Mechanisms Mobile Banking, Persepsi Nasabah, Strategi Pemasaran. Pengetahuan Perilaku, Kepuasan, Konsumen, Penyebelihan Halal, Konsumsi Persepsi Religiusitas, Lingkungan, Pola Konsumsi, Keputusan Pembelian Return Perception, Risk Perception, Investation Decision Strategi, Sumber Daya Insani, Indonesia Strategi, UMKM, Mempertahankan Usaha, UMKM Kota BKL. Work, Islamic Economics, Thematic Hadith strategi pemasaran