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This study analyzes the opportunities and challenges in implementing digital payment systems to enhance the productivity of Micro, Small, and Medium Enterprises (MSMEs). In the era of growing digital transformation, the adoption of cashless transactions has become a crucial innovation to improve efficiency and competitiveness among MSME players. The findings indicate that the use of digital payment platforms such as QRIS, bank transfers, e-wallets, and card-based e-money offers several advantages, including faster payment processing, reduced risk of calculation errors, and the minimization of counterfeit money usage, which remains an issue in some regions. However, the implementation of digital payments still faces various obstacles on the ground. Certain sectors of MSMEs continue to rely heavily on cash transactions, especially in remote areas where internet connectivity is limited. Furthermore, many business owners still prefer conventional payment methods due to concerns over trust, security, and deeply rooted habits. Demographic factors also influence the level of digital payment adoption. Younger generations tend to be more adaptive to digital technologies, whereas older business owners are generally less familiar and comfortable with using digital devices. These findings suggest that in order to fully leverage the benefits of payment digitalization among MSMEs, strategic efforts are needed. These should include the improvement of digital infrastructure, widespread education and awareness programs, and the development of applications tailored to the specific needs and characteristics of each business sector. Collaboration between the government, financial institutions, and digital service providers is essential in creating an inclusive and user-friendly digital payment ecosystem. By addressing technical barriers and bridging digital literacy gaps, the implementation of digital payments holds significant potential to drive operational efficiency and sustainably boost the productivity of MSMEs.

Language development is one of the main pillars in early childhood growth. Strong language skills are not just about being able to speak, but also include the ability to listen, understand, and use language to think and interact. This ability becomes an important foundation for children's future success, both in formal education and social life. In the early childhood stage, the role of teachers in kindergartens (TK) is very crucial. Teachers are the child's first social environment outside the home, and the interactions they have every day will greatly influence the child's language development. This research will thoroughly explore the various strategic roles played by teachers in stimulating children's language development, and how these roles can be effectively applied in the classroom environment.

Job analysis serves as a strategic instrument in human resource management (HRM), forming the basis for organizational structure design, job descriptions and specifications, and supporting employee evaluation and development processes. This study employs a literature review approach involving 50 articles, narrowed down to 5 core sources to explore the critical role of job analysis. Findings indicate that job analysis not only enhances employee performance and job satisfaction, but also supports optimal placement based on competencies and personality profiles such as the DISC approach. Job analysis has proven effective in the education sector and holds broader potential for implementation across various industries.

Human resource development (HRD) is a fundamental pillar in the management of Islamic education, especially in the era of globalization and the industrial revolution 4.0. Islamic educational institutions are required to produce graduates who are not only religious but also competent, ethical, and adaptive. This study aims to identify effective HRD strategies to improve the quality of Islamic educational institutions. The research employs a qualitative approach with data collected through interviews, observations, and documentation in several Islamic educational institutions. The findings reveal that strategies such as training, internships, scholarships, mentorship, collaboration, performance evaluation, spiritual development, technology implementation, and innovation play vital roles. The integration of Islamic values in recruitment, training, and career development is also crucial. However, challenges such as limited funding, lack of competent human resources, and insufficient leadership attention remain obstacles. This study emphasizes the need for innovation in HRD to overcome these barriers. It is expected that the findings provide practical solutions for Islamic educational institutions to achieve educational goals, produce quality graduates, enhance competitiveness, and contribute positively to society.

Leadership in the context of education plays a crucial role in determining the direction and quality of decision-making in the school environment. This study aims to describe the concepts of educational leadership and authority, and analyse the dynamics of power in school decision-making. Using a literature review approach, this research identifies various factors that influence decision-making by school leaders, such as sources of authority and power dynamics. The results show that effective leadership in education depends not only on formal authority, but also on the ability to manage power wisely. The implications of this study provide recommendations for school leaders in improving the quality of leadership and decision-making and offer important insights for the development of better education policies in the future.

In the era of globalisation and rapid technological advancement, education faces increasingly complex challenges, especially in terms of innovative learning development. This study aims to provide human resource management strategies in creating an innovative learning environment amidst the rapid development of education. The method used in this study is a literature study and qualitative analysis of various relevant sources, including journals and scientific articles. The findings show that there are three strategies: developing continuous professionals, integrating technology in the learning process, encouraging collaboration and creativity. This research is expected to provide insights for educational institutions in designing more effective development programme.

The development of digital technologies has changed the educational landscape, requiring educators to upgrade their skills to remain relevant and effective. Competency-based training is important in this context because of its focus on developing practical skills that can be directly applied in teaching. This paper discusses the role of competency-based training in improving educators’ productivity in the digital era. The method used is a literature study, which includes analysing various studies and articles related to this topic. The findings show that competency-based training acts as: 1) Skills Development; 2) Teaching Quality Improvement; and 3) Evaluation of Teaching Effectiveness. The purpose of this study is to provide insights into the importance of competency-based training in improving the productivity and teaching quality of educators in the digital era, and to encourage wider and more sustainable implementation of training.

This article aims to provide an in-depth insight into appropriate training objectives, so as to improve the effectiveness of education and training programs and achieve the desired results. In the context of organizational strategy and training program design, training objectives play an important role. Clear and purposeful training objectives can help improve the effectiveness of training programs, motivate trainees, and provide indicators of success that can be evaluated. This study used a qualitative descriptive approach. The data collection methods used were observation, interview, and documentation. The results showed that clear and well-defined training objectives are essential in designing an effective training program. The research also emphasizes the importance of training objectives in the context of organizational strategy, where appropriate training objectives can help the organization achieve its goals and respond to existing needs. This article contributes to the understanding of the importance of training objectives in improving the effectiveness of education and training programs. The results of this study can serve as a basis for organizations, especially the Central Kalimantan Province Human Resources Development Agency, in designing more effective training programs and ensuring the achievement of organizational goals through human resource development.    

This study aims to analyze the performance of human resources in the Directorate of Civil Service Status at the State Civil Service Agency in handling service problems or ASN status cases. Labor productivity is influenced by various factors related to the workforce itself as well as those related to the company environment and government policies as a whole, such as education, skills, discipline, attitude and work ethics. Research methods are classified based on the objectives and level of natural setting of the object, research methods can be classified into basic research objectives, applied research methods and research and development. In this study, the researcher chose the type of Qualitative research to present and describe in detail and in detail the analysis of employee productivity in serving ASN performance problems at the Directorate of Civil Service Status of the BKN. Research Results Overall, the quality of service at the Directorate of Civil Service Status of the State Civil Service Agency (BKN) can be categorized as very good, supported by clarity of information, ease of access through various communication channels, and employee responsiveness in handling complaints. The completeness of the files submitted by the proposing agency greatly affects the speed of the service process. When the files are complete, the process can run quickly and efficiently. However, incomplete files are often the cause of delays in service. and the use of technology, such as the ASN SI application, is very helpful in improving the efficiency and effectiveness of services. Technology allows ASN to access information and services more quickly and easily.

As company organizations develop, the need for training both functionally and technically is very necessary, apart from filling positions but also in order to meet the demands of work and service needs to the community. The problem is, how human resources (employees) are able to meet the expectations that have been set based on the vision and mission of an institution, organization or company, from this problem it seems that there needs to be a balance between company orientation. which will be directed at the performance that must be expressed by employees in realizing optimal organizational development. In this article, the research used is qualitative descriptive research, so it uses phenomena in which there are interview points. The phenomenon used as a reference is development, education and training as well as employee performance skills. This phenomenon is then used as a reference to determine the efforts made by institutions, organizations and companies to improve employee human resource capabilities. Based on the results of interviews that have been conducted, it can be seen that in improving the quality of human resources, the role of education and training is very necessary, especially after trainees have attended training, because to know employee development, continuous evaluation is needed to monitor progress. Education and training are very necessary in order to improve the abilities, professionalism and discipline of employees which are then used as the driving force for achieving the company's vision and mission.

This research uses qualitative research with a case study approach. The research was conducted at the Madrasah Aliyah Negeri 2 Jember Dormitory. The aim of this research is to analyze how the planning, organization, implementation and evaluation of dormitory service management by the dormitory head Mrs. Munadiroh, S.Pd. in managing the dormitory at Madrasah Aliyah Negeri 2 Jember. The results of the research showed that the head of the girls' dormitory at Madrasah Aliyah Negeri 2 Jember, Mrs. Munadiroh, S.Pd. able to carry out dormitory service management activities by supervising or monitoring to see whether dormitory programs, activities and implementation are running in accordance with the curriculum. In the process of planning, organizing, implementing and evaluating the dormitory, namely: 1) the dormitory head is able to carry out well starting from planning and implementing dormitory activities and programs, while planning involves all dormitory personnel; 2) Organizing by determining educational resources and other necessary resources including funds to fulfill the implementation of the dormitory and also facilities and infrastructure to support the learning process or dormitory development; 3) Able to mobilize his subordinates in accordance with Standard Operating Procedures or duties and responsibilities as well as regulations for student needs in accordance with the curriculum; 4) The dormitory head is able to evaluate the implementation of the dormitory program and the duties of each dormitory personnel, student deficiencies and other obstacles in meetings held once a month.

Education plays an important role in the progress of the nation and state. In the development of the country's national education, it certainly requires policies that are able to make education more advanced. The role of policy itself is very crucial because it can help someone make decisions by providing information collected through research and analysis processes, classifying and clarifying problems that reveal discrepancies in goals and efforts, suggesting new possibilities and suggesting how to interpret ideas or ideas into a policy that is easy to implement and implemented. After policy making is carried out, of course it is necessary to apply or implement it to see the results of the policy. The purpose of implementing the policy itself is to set a direction so that the policy objectives can be implemented. The purpose of this study is to analyze the application of policies in the education system itself by reviewing the stages and approaches in implementing educational policies.

This research is a type of qualitative descriptive research, because in this research it will describe the condition of the object and the researcher plays the role of being the key instrument that will process the data. This research was carried out naturally, this research chose to focus on the conditions existing at the Dessy Course and Training Institute (LKP), Bergas District. The data collection technique in this research uses 3 data collection techniques, namely semi-structured interviews, documentation and triagulation. The data sources in this research are subject sources who have the information needed to support this research, namely managers, teachers, employees, members and alumni of LKP Dessy. LKP is a form of non-formal education unit organized for people who need knowledge, skills, life skills and attitudes to develop themselves, develop their profession, work, do independent business and/or continue their education to a higher level. In carrying out the LKP, good management is also required, namely in the selection of management strategies by the management. Strategic management is a series of managerial decisions and actions that determine company performance in the long term. Strategic management includes long-term planning, strategy implementation, evaluation and control. This research aims to qualitatively describe strategic management at LKP Dessy, Bergas District. The results of the analysis show that strategic management at LKP Dessy can be described using one of the stages in company development, namely strategic management whose components include environmental observation, strategy formulation by determining the LKP program plan, LKP program planning, strategy implementation, evaluation and control.