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This study explores the effectiveness of developing SMEs with role of Islamic Banking in Indonesia. The study also want to prove the role of Islamic banking to help SMEs in Indonesia based on data and research. Data analysis and methods that used in this study is descriptive statistical methods. Descriptive statistics will elaborate with some explanation data and can be figured by frequency distribution and center of distribution data. The result shows that development of SMEs regarding both the number of business units, employment, and financing from Islamic banking indicates a positive direction or increased significantly. In addition, the interaction between SMEs and Islamic banking is quite close relatively but need to be upgraded. The study only gives general overview and description about positive impact from Islamic banking mechanism to stimulate SMEs in Indonesia. The data and result provided still need to be discussed with more comprehensive literature and fact study on the ground.DOI:10.15408/etk.v16i2.5355

Village Fund Allocation (ADD) is one of the most important aspects of a village to carry out government programs, including programs for the welfare of community. The purpose of this study is to determine the ADD management towards the welfare improvement of the local community and as a reference and guideline in making decisions taken for the ADD program[1]. This is a field research which uses Miles model analysis and Huberman with deductive thinking method. In the end, the management of ADD has been going well. The promoting factor for improving the welfare of the community in this study is community participation in planning, policy support from the government, the quality of human resources. While the inhibiting factors are low synchronization between planning at the Village and District levels, the limited amount of Village Fund Allocation (ADD) and the lack intensity of socialization to the community, and the low level of education of village officers which can slow down the Village Fund Allocation management (ADD)[2]. The role of legal assistance for ADD recipients is more as facilitator and legal advisor for ADD recipients and village officers, also minimizes the cheating level for ADD recipients and implementers.