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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.

PT Unilever Indonesia’s strategic application is examined through the Balanced Scorecard framework, focusing on four key perspectives: financial, customer, internal business processes, and learning and growth. The analysis reveals that while the company demonstrates strong financial performance, such as high ROI and ROE, challenges like declining annual profits and increasing liabilities signal the need for improved cost management and risk mitigation. Unilever's strategy emphasizes innovation and customer relationships, leveraging Total Quality Management (TQM) and continuous product enhancements. However, internal issues such as employee work culture, inadequate facilities, and employee satisfaction remain significant obstacles to organizational performance. The findings suggest a need for stronger employee engagement and workplace improvements, alongside enhanced financial sustainability strategies. Future research could explore how external factors, such as shifting market trends and government regulations, influence Unilever’s strategic decisions and overall success.

Correspondence administration activities play an important role in supporting the smooth operation of the school. At UPT SMP Negeri 27 Medan, manual management of correspondence previously caused various obstacles such as delays in letter distribution and difficulties in tracking archives. Therefore, a more effective and efficient correspondence management system is needed. This study aims to describe the implementation of a correspondence management system in improving administrative performance at UPT SMP Negeri 27 Medan. This study uses a qualitative descriptive approach with observation, interview, and documentation techniques. The results of the study indicate that the process of receiving and recording incoming letters has been running according to procedures and facilitates information management. The disposition of letters is carried out systematically and on target by the school leadership. The preparation and recording of outgoing letters is carried out by paying attention to good administrative rules. In addition, archiving, maintenance, and destruction of archives have begun to be carried out digitally, thereby increasing the efficiency and speed of administrative services.

This study aims to analyze the implementation of leadership supervision in efforts to improve the performance quality of Civil Servants (PNS) in the Economic Affairs Section at the Regional Secretariat of Langkat Regency. The research findings indicate that the effectiveness of supervision greatly depends on clear objectives, performance indicators, periodic evaluations, and open communication between leaders and staff. Although there are challenges such as ineffective communication and imbalanced workloads, proposed solutions include improving communication and utilizing technology to enhance supervision and employee performance. Optimal supervision has been shown to play a key role in improving PNS performance, with an emphasis on monitoring, evaluation, and skill development. Despite challenges like limited resources and ineffective communication, solutions such as training, open communication, and technology can improve supervision efficiency. Most PNS show a positive attitude towards management and supervision, although there is still room for improvement in communication and skill development. Going forward, it is expected that supervision will become more structured, technology-based, and communicative to support the achievement of organizational goals more efficiently and enhance public service quality.

Competition in the business world is indeed very tight in Indonesia, as in many other countries. Indonesia’s economic growth has created new business opportunities, attracting many MSMEs who were born to compete in pursuing a growing market share. The purpose of this study is to determine the implementation strategy of change management in an effort to improve business performance in fishery MSMEs in Karawang Regency. This study observes and analyzes using a descriptive quantitative approach. This study has an “ex-post de facto” nature. The implementation strategy of change management can make a significant contribution to improving business performance. Implementation strategies help organizations to be more responsive to changes in the market environment. This allows businesses to adapt more quickly to new trends and demands, maintaining competitiveness. Focusing on change drives a culture of innovation within the organization. Employees who feel encouraged to provide ideas and try new things can create innovative solutions to improve performance

PT PLN (Persero) UP3 Binjai is one of the PLN units that supply electricity to the community. Digital services launched by PLN in the form of PLN Mobile continue to be developed to meet customer needs and satisfaction as well as ease of access. The purpose of this study was to determine the development of efficient customer service through the use of PLN Mobile in UP3 Binjai. The literature review method is used to collect research data by using literature studies to collect materials from books and scientific journals regarding the use of PLN Mobile. From the results of the study, the PLN Mobile application provides benefits for the UP3 Binjai community to find solutions to customer electricity problems, ranging from applying for new electricity installations, checking bills, switching power, responding to complaints and power outages, to purchasing electricity tokens. However, there is a weakness, namely when customers check their bills, customers cannot see information on how much Rupiah is charged, only the month billed. This PLN Mobile application will also have a positive impact on customers and PLN employees because it is more efficient and saves time and energy for customers and employees in resolving customer complaints.

This research investigates the implementation of Customer Relationship Management (CRM) in the Micro, Small and Medium Enterprises (MSME) and startup sectors. Through a qualitative approach, data was collected from a number of MSMEs and startups to analyze the factors that influence the adoption and success of CRM implementation. The findings show that limited resources, lack of knowledge about the benefits of CRM, and dependence on technological infrastructure are the main challenges in adopting CRM systems. However, CRM has also been found to have great potential in increasing customer retention, developing more suitable products, and expanding into new markets. Practical implications of these findings include recommendations for appropriate resource allocation, employee training, and more effective digital marketing strategies. The contribution of this research lies in a deeper understanding of CRM implementation in the context of MSMEs and startups as well as practical guidance for improving business performance through effective CRM strategies.

The discharge of ballast water by commercial vessels impacted on the development of non-native species and the spread of heavy metal. In this research, descriptive methodology was applied whose research sample was obtained by random sampling method. Questionnaire and interviews were employed as the data collection method. In order to identify the strategy, the data were then analyzed by using SWOT (Strength, Weakness, Opportunity, and Threat). The research was aimed to formulate the model and strategy in the implementation of BWM (Ballast Water Management). BWM had been analyzed and applied to determine an appropriate model for ballast water treatment. In this case, the Harbour Master and Port Authority Office of Tanjung Emas can possibly apply a defensive strategy. This strategy emphasizes on the improvement of Port State Control (PSC) and penalties. In order to maintain the vessel stability, container vessels, passanger vessels, and ro-ro vessels are recommended to apply freshwater within their ballast tanks. Moreover, a ballast water treatment facility has also been provided by the port administrator, Pelindo III, for bulk carrier vessels and tankers to discharge their ballast water.   

Leadership is an important factor that determines the success of an organization in achieving its goals. A leader needs to keep his behavior and ethics in conducting his leadership. By applying good behavior and ethics it can have a positive influence on the performance of employees in achieving the goals of the organization. The aim of this research is to understand that the implementation of ethics and leadership with behavioral approaches is highly influential to the organization. Through this qualitative research, it is expected that research can provide in-depth insight into ethics and leadership with behavioral approaches to organizations.    

Health human resource management is a crucial aspect in efforts to improve the level of public health and improve the quality of services in health facilities. Health resources play a key role in the transformation of health development in Indonesia. Good implementation of health service management in health facilities is needed so that health development in Indonesia can run optimally. This research uses a literature review method with an article search strategy via Google Scholar. Articles were selected based on the inclusion criteria in this study. The research results show that the implementation of health human resource management in health facilities is still not optimal, which causes a shortage and inequality of health human resources in these facilities. The government and related agencies are expected to be able to improve the health resource management system by analyzing health human resource needs. In addition, efforts need to be made to educate and distribute health human resources in health facilities to ensure more equitable and quality health services.

The business understanding is one of the foundations of the work relationship that leads to an understanding or lawful relationship for the gatherings leads to freedoms and commitments. With It is trusted that the presence of a work understanding can understand the execution of the freedoms and commitments of representatives parties decently. Nonetheless, practically speaking it has not been completely understood. For get it going, in addition to other things: With government mediation, this is as per the quality of business regulation in Indonesia is that it is blended, in particular both private and public. Aside from that, the standards contained in the work understanding should be as one with every one of the standards contained in the law arrangements, including: The rule of opportunity of agreement, the standard of consensualism, the guideline of assurance regulation, the rule of honest intentions, the guideline of character, the standard of trust, the standard of lawful fairness, the standard of balance, the rule of lawful assurance, the ethical guideline, the standard of fairness and the standard of security. These standards are interconnected with each other, can't be isolated, are applied at the same time, and utilized as a limiting casing for the items in the work understanding.

Tourism is now a sector that is experiencing rapid growth supported by developments in information and communication technology. One of the potential tourism destinations in Palembang is the "Punti Kayu" City Forest. However, marketing is still less than optimal. This research aims to explore the implementation of digital marketing in increasing tourist visits to the "Punti Kayu" City Forest. Through a qualitative approach, data is collected through observation, interviews and documentation studies. The results show that digital marketing plays an important role in increasing the visibility of the "Punti Kayu" City Forest in the eyes of the public, especially the younger generation. Social media content strategies, promotion through influencers, and search engine optimization (SEO) are implemented to increase brand awareness and visits. Obstacles such as lack of resources and training become obstacles in its implementation. However, with cooperation between stakeholders and the use of appropriate technology, the potential of the "Punti Kayu" City Forest as a leading tourist destination in Palembang can be achieved. The implementation of digital marketing in tourism marketing for the "Punti Kayu" City Forest shows that technological adaptation in the tourism sector is a necessity in the current digital era.

Corporate Social Responsibility (CSR) is a company's commitment to contribute to sustainable economic development, by paying attention to corporate social responsibility and emphasizing a balance between attention to economic, social and environmental aspects. This research uses qualitative methods. The data used are primary and secondary data. Data were obtained by observation, interview and documentation methods. The object of this research is the community of Purwodadi Village, Tebing Tinggi District, West Tanjung Jabung District. Based on the results of the study shows that, the Corporate Social Responsibility (CSR) program of PT. Trimitra Lestari has been running quite well and providing benefits to the community around the company. In the review of Islamic business ethics, the implementation of the Corporate Social Responsibility (CSR) program of PT. Trimitra Lestari is in accordance with the principles of Islamic business ethics. However, there are still several programs that need to be improved as explained by the community, where the community expects a Corporate Social Responsibility (CSR) program that can empower and prosper the community.

This study aims to find out how far the implementation of the Pangandaran Regency Regional Regulation Number 5 of 2015 concerning the Management of Zakat, Infaq and Shodaqoh for Poverty Alleviation in Pangandaran Regency, what are the obstacles and to find out what efforts have been made by the Pangandaran Regency National Amil Zakat Agency to overcome these obstacles . The Pangandaran Regency National Amil Zakat Agency, hereinafter referred to as Regency BAZNAS, is an institution that carries out national zakat management in Pangandaran Regency. BAZNAS Pangandaran Regency is a Zakat Management organization formed by the Government with the task of collecting, distributing and utilizing zakat in accordance with Islamic religious provisions and applicable laws and regulations. In this study the method used was a qualitative approach with data collection techniques using observation and interviews. From the results of the research and discussion, it shows that the implementation of the Regional Regulation of Pangandaran Regency Number 5 of 2015 concerning Management of Zakat, Infaq and Shodaqoh for Poverty Alleviation in Pangandaran Regency has not been carried out properly. This is evidenced by the lack of effective communication between the BAZNAS of Pangandaran Regency and the Regional Head as a political position as well as the regional Secretariat whose job is to assist regional heads in formulating policies and coordinating regional offices and regional technical institutions. The absence of strict sanctions from the regional head to civil servants who do not comply with these regulations has hindered poverty alleviation from Zakat, Infaq and Shodaqoh funds collected by BAZNAS. Zakat, Infaq and Shodaqoh carried out by BAZNAS did not reach the target, as a result the assistance distributed by BAZNAS tended to be consumptive funds with little value. Lack of quality and quantity of Human Resources for BAZNAS Pangandaran Regency, so when the aid funds were channeled for business capital assistance, BAZNAS Pangandaran Regency did not provide assistance and utilization of beneficiaries, so that the funds received were ultimately not optimal for poverty alleviation, and led to when the business capital runs out, in the end the business closes.