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Mergers and acquisitions have served as a primary strategy for global banking consolidation over the past three decades, including in Indonesia, which is currently undergoing one of its most massive consolidation waves—one notable example being the emergence of Bank Syariah Indonesia. This article aims to provide a narrative review of the literature on the operational impacts of mergers on bank performance, with a particular focus on implications for the Indonesian context. Based on a systematic search of the Scopus database, 52 peer-reviewed articles published between 2000 and 2025 were analyzed using a narrative thematic synthesis approach. Five main themes were identified: cost efficiency, service quality, risk management, human resource and cultural integration, and information systems and technology integration. The key findings indicate that although 73.1% of studies report post-merger improvements in cost efficiency, these benefits are highly contingent upon the quality of post-merger integration especially in the areas of human resources, organizational culture, and information technology with IT integration failure rates reaching as high as 75%. Domestic mergers consistently achieve efficiency gains more rapidly than cross-border mergers, whereas risk implications depend heavily on the type of merger and the quality of integration. Policy implications include the need for the Financial Services Authority (Otoritas Jasa Keuangan) to monitor post-merger integration quality, provide integration guidelines for smaller banks, take into account the specific characteristics of Islamic banks, and ensure a streamlined, non-burdensome licensing process. Further research particularly empirical studies on banking mergers in Indonesia—is urgently needed to test the generalizability of global findings to the local context.

The development of Artificial Intelligence (AI) technology has significantly changed strategy and decision making in marketing management. However, the massive use of AI raises new challenges regarding ethics, transparency and governance. This research aims to analyze the impact of using AI, especially recommender systems and large language models (LLMs), on the effectiveness of marketing decisions, as well as the role of AI governance in controlling emerging ethical issues. The research method uses a quantitative approach with Structural Equation Modeling (SEM) analysis of data collected from 250 marketing professionals in Indonesia. The research results show that the use of AI has a significant positive effect on the effectiveness of marketing decisions (β=0.62, p<0.001), but also raises ethical issues (β=0.48, p<0.01). Ethical issues were proven to reduce the effectiveness of marketing decisions (β=-0.31, p<0.05), while good AI governance was able to moderate the negative impact of ethical issues (β=0.27, p<0.05). These findings underscore the importance of AI governance in building effective and ethical marketing systems.

This research examines the impact of hybrid work systems, reward systems, and work productivity on employee performance in state-owned companies. Using the systematic literature review (SLR) method, this research analyzed 45 journals published on various academic platforms such as Google Scholar and Publish or Perish. With a qualitative approach and descriptive analysis, this study investigates how the implementation of a hybrid work system that combines work from home and work from office affects employee performance. The research also explores the role of reward systems as a form of reward and motivation, as well as the impact of work productivity in the context of BUMN. The research results show that these three variables have a significant influence on the performance of BUMN employees, with the hybrid work system providing flexibility which has an impact on work balance, the reward system increasing work motivation, and productivity acting as a benchmark for the success of company performance.

In an era of increasingly intense business competition, the quality of human resources (HR) plays an important role in determining the success of the company. This research explores the impact of HR training and development on improving employee productivity as a strategic step to create a competitive advantage. Training is designed to strengthen employees' technical capabilities, while development aims to increase their intellectual and emotional capacity to face future challenges. The research findings show that well-designed training and development programs not only improve skills, but also increase employee motivation, satisfaction and loyalty. This in turn has a positive impact on work productivity and company competitiveness. This research uses a literature study approach by reviewing various literatures to understand the relationship between training, development and productivity. The results are expected to be a reference for companies in designing sustainable HR management strategies.  

The development of the freight forwarding industry is increasing rapidly due to the culture of society that wants everything to be practical. Developing technology has had a major impact in bringing changes to various areas of people's lives over time. Research objects include quality, price perception, and consumer purchasing decisions, Population is not just the number of objects or subjects studied, samples are part of the population that is expected to represent the entire population, To obtain respondents' perceptions related to Service Quality, Price Perception, and Purchasing Decisions, researchers distributed questionnaires online The service quality indicator table shows that the points that must be set are mainly facilities and consumer needs to continue to increase consumer desires. The price perception indicator table shows that the points that must be set by sellers to determine a suitable price so that consumers can enjoy price affordability where the relationship with price affordability is the quality of the product whether it is appropriate The development of the freight forwarding industry is increasing in the era of globalization due to the practical demands of society. Service Quality and Price Perception determine the consumer's desire to buy the product being sold, the points determined by the consumer are usually: 1. Consumer facilities and needs 2. Price affordability 3. Product quality   Keywords: Consumer, Quality, Product, Technology   Abstrak. Perkembangan industri jasa pengiriman barang meningkat dengan semakin pesat disebabkan oleh budaya masyarakat yang menginginkan serba praktis. Teknologi yang berkembang sudah memberikan dampak besar dalam membawa perubahan pada berbagai macam bidang kehidupan masyarakat seiring berjalannya waktu. Objek Penelitian meliputi kualitas, persepsi harga, dan keputusan pembelian konsumen, Populasi bukan sekedar jumlah yang ada pada obyek atau subyek yang dipelajari, sampel adalah bagian dari populasi yang diharapkan dapat mewakili keseluruhan populasi, Untuk mendapatkan persepsi responden berkaitan dengan Kaulitas Layanan, Persepsi Harga, dan Keputusan Pembelian, peneliti menyebarkan kuesioner by onlinePada tabel indicator kualitas pelayanan menunjukan bahwa point yang harus ditetapkan terutama fasilitas dan kebutuhan konsumen untuk terus meningkatkan keinginan konsumen. Pada tabel indicator persepsi harga menunjukan bahwa point yang harus ditetapkan penjual untuk menentukan harga yang cocok agar dapat dinikmati konsumen keterjangkauan harga dimana yang ada hubungan dengan keterjangkauan harga yaitu kualitas produk apakah sesuaiPerkembangan industri jasa pengiriman barang meningkat dalam era globalisasi karena tuntutan praktis masyarakat. Kualitas Layanan dan Persepsi Harga menentukan keinginan konsumen untuk membeli produk yang dijual, point yang ditentukan oleh konsumen biasanya : 1. Fasilitas dan Kebutuhan konsumen 2. Keterjangkauan harga 3. Kualitas Produk    

This study discusses the impact of remote work on employee engagement and productivity in the post-pandemic era, focusing on public relations management and public service. The aim of the research is to analyze how the implementation of remote work affects employee performance and to identify managerial strategies that can enhance their engagement. The method used is literature research, collecting data from various relevant sources. The findings indicate that while remote work can enhance productivity, challenges such as burnout and communication difficulties persist. The implications of this research provide guidance for organizations to develop more effective remote work models that support employee well-being and encourage the adoption of appropriate technologies to enhance engagement in the workplace.

Dalam menghadapi persaingan bisnis ritel yang semakin ketat, sangat penting untuk mengembangkan strategi yang dapat menarik lebih banyak perhatian pembeli terhadap produk. Penelitian ini bertujuan untuk menilai dampak promosi penjualan dan tampilan toko terhadap pembelian impulsif. Sampel yang digunakan terdiri dari 97 konsumen yang berbelanja di Matahari Departement Store Solo Grand Mall. Variabel yang diteliti mencakup promosi penjualan, tampilan toko, dan pembelian impulsif. Data primer dikumpulkan melalui kuesioner dan dianalisis dengan menggunakan metode Structural Equation Modeling-Partial Least Square (SEM PLS) serta SmartPLS 4.0. Hasil penelitian mengungkapkan bahwa promosi penjualan dan tampilan toko memiliki pengaruh positif dan signifikan terhadap pembelian impulsif.

  Abstract. This study aims to analyze the effect of Market Volatility, Fundamental Factors, and Investor Sentiment on Stock Investment Decisions of Management Study Program Students, Faculty of Economics, Slamet Riyadi University, Surakarta. The research sample was taken using the Slovin technique, which resulted in a sample size of 78 students. The data collection technique was carried out through a questionnaire distributed to students who met the criteria. The research instrument test used validity and reliability tests. The classical assumption test used multicollinearity test, autocorrelation test, heteroscedasticity test, and normality test. The data analysis technique used descriptive analysis, multiple linear regression analysis, t-test, F-test and coefficient of determination (R²). The conclusion obtained from this study is that Market Volatility, Fundamental Factors, and Investor Sentiment have a significant influence on students' Stock Investment Decisions. These findings indicate that a deep understanding of the capital market and the factors that influence it is very important in making the right investment decisions. The results show that the coefficient of determination (adjusted r2) for this model is 0.700, meaning that the contribution of the independent influence of market volatility, fundamental factors and investor sentiment to stock investment decisions is 70%. The rest (100% - 70%) = 30% is explained by other variables outside the model such as gender, age, overconfidence, market awareness, income, etc.

This research is motivated by initial observations that show that the Implementation of Law Number 28 of 2009 concerning Regional Taxes and Regional Levies has not been optimal, as seen from the large number of tax arrears that must be fulfilled by the Ciamis Regency DPPKAD. PBBP2 (Rural and Urban Land and Building Tax) revenue has not reached the predetermined target. The increase in Regional Original Revenue (PAD) is carried out by following the right tax principles, including the application of sanctions for violations. This study uses a quantitative descriptive method with a population of 33 people, and a total sampling technique, so that the sample also totals 33 people. Data was collected using questionnaires. The results of the study show that the implementation policy of Law Number 28 of 2009 concerning Regional Taxes and Regional Levies received a total score of 2262, which is included in the high category according to the benchmarks used. PBBP2 admissions at the Ciamis Regency DPPKAD received a total score of 2289, also in the high category. Based on hypothesis proof, the policy of implementing Law Number 28 of 2009 has an effect of 77.3% on the receipt of PBBP2 in the Ciamis Regency DPPKAD, while 22.7% is influenced by other factors that are not studied.

Garbage or household waste is waste that comes from people's daily activities, especially the result of leftover food, food wrappers that are no longer needed, this waste will have an impact on the environment if it is not managed properly or may even become a problem in that environment. The aim of this research is to find out the impact that will occur from the disposal of rubbish or household waste that is dumped on the side of the road in Pakuwon Village, Jati Village, Saguling District, West Bandung Regency. The research method used is a descriptive qualitative research method, where the data produced is a description of the results of observations at the location and the results of interviews with the surrounding community who are the objects as sources. From the results of observations made, the impacts caused by the disposal of household waste include polluting the environment, causing unpleasant odors from the waste and reducing the comfort level of people who pass through the road and even the residents themselves are uncomfortable because of the smell. very stinging especially when it rains.

This study investigates the relationship between employee performance, training, and human resource development at PT. Perkebunan Nusantara XIV in Makassar City. The study reveals findings with major significance for organizational improvement through meticulous data analysis and statistical evaluation. The research conclusively shows a link between employee performance and training. Statistics highlight the crucial influence that training plays in improving employee skills and work effectiveness. These findings support the constancy of this correlation by being in line with earlier studies. It advances our knowledge of organizational behavior and performance dynamics by clarifying the relationship between training and employee performance. The study's findings are insightful for businesses looking to maximize staff productivity through strategic training and human resource development programs. It acts as a manual for businesses hoping to use training to boost productivity and encourage staff development.