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Economic development has slowed dramatically in several countries during the COVID-19 pandemic, like in Indonesia. Bali Province was one of the regions that was severely affected. Due to its reliance on the tourism industry, Bali had the most significant negative growth. It is time for Bali and other regions to develop the potential of a locally-based, sustainable, and resilient economy to enhance the people's welfare. Improving the community's welfare can be done with the synergy of various entities--the synergy created by integrating programs in Banjar with microfinance to develop microenterprises. The main objective of this research is to ascertain the framework's dimensions and components. Furthermore, the relationships between these dimensions or elements have been determined. Based on the findings, the two primary objectives were completed. This procedure has produced the Smart Banjar framework as a theoretical solution to enhance people's welfare. This research created the information communication technology (ICT) adoption framework that uses the TOE theory as its theoretical basis. The Advisory Board serves as the environmental context for formulating policies. The policy will regulate governance to realize the synergy between microenterprises, microfinance, and Banjar in the organizational context. ICT adoption, including ICT infrastructure, ICT services, and ICT literacy, will support and optimize the synergy. Further investigation is required to ascertain the Advisory Board's specific constituents. Additional studies are needed to implement ICT, obtain empirical evidence, and prove its ability to improve people's welfare. [ABSTRACT FROM AUTHOR]