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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.

The distribution of sugarcane from farmers to sugar mills in Indonesia continues to face various challenges, particularly in terms of logistical efficiency and farmers’ dependency on intermediaries. This study aims to analyze the role of intermediaries in determining the efficiency of sugarcane distribution, using a case study in Kedungmakam Village, Tuban Regency. A qualitative approach with a case study design was employed, enabling an in-depth understanding of distribution practices directly in the field. Data were collected through field observations, in-depth interviews with farmers, intermediaries, and retail traders, as well as supporting documentation. The results indicate that intermediaries play a crucial role in providing production capital, scheduling harvests, and managing transportation of sugarcane to the mills. However, their dominance, in the absence of formal contracts, creates relationship imbalances and weakens the bargaining position of farmers. Furthermore, geographical barriers, limited access to market information, and the lack of independent distribution infrastructure exacerbate inefficiencies and reduce fairness in the existing distribution system. Therefore, strengthening farmer institutions, improving contract transparency, and enhancing access to logistics and information are recommended as long-term solutions.

This study aims to determine the extent of the influence of infrastructure management and understanding of sewing theory on the quality of practicum learning in the Fashion Department at SMK Negeri 1 Sangatta Utara. This study uses a quantitative approach with data collection methods through questionnaires, observation, and documentation. The research sample amounted to 107 students from a total population of 143 students in classes X, XI, and XII. The results of multiple linear regression analysis show that the management of infrastructure facilities has an influence of 16.26%, while the understanding of sewing theory has a greater influence, namely 71.53% on the quality of practicum learning. Simultaneously, the two variables contributed 87.9%, while 12.1% was influenced by other factors not studied. This finding confirms that the understanding of sewing theory has a more dominant influence than the management of infrastructure facilities in improving the quality of practicum learning in the Cosmetology department at the SMK.  

The management of educational facilities and infrastructure is a process of organizing all facilities to ensure that the educational process in an educational institution can take place effectively and efficiently. The purpose of this study is to determine the management of facilities and infrastructure used to support the learning process in the Geography subject at SMAN 2 Tanjung Morawa. This research uses a qualitative approach. The population and sample in this study are the Head of Facilities and Infrastructure and the Geography teachers at SMAN 2 Tanjung Morawa. Data in this study were collected through interviews, documentation, and literature review. Subsequently, the data were analyzed using thematic analysis techniques. The results of this study indicate that the management of facilities and infrastructure at SMAN 2 Tanjung Morawa is still suboptimal in terms of planning, procurement, utilization, management, and evaluation systems, resulting in the geography learning process at this high school still relying on lecture methods and manually visualizing geography lessons using a blackboard.

This study aims to analyze the review of the goods data management system in the storekeeper section at Harris Hotel & Convention Ciumbuleuit Bandung. This study uses a descriptive quantitative method with the aim of describing the goods data management system in the storekeeper. Primary data was obtained through the distribution of a questionnaire with a Likert scale to 30 respondents. The results of the study show that the goods data management system at Harris Hotel & Convention Ciumbuleit Bandung, it can be concluded that the implementation of the goods data management system, this system has been implemented well, as evidenced by the average value of 4,345 which shows that the system is running well in facilitating various processes, such as stock monitoring, goods data management, and procurement of goods. The use of this system simplifies the process of managing goods efficiently, reduces recording errors, and speeds up the procurement process. The obstacles faced are that even though this system has run well, there are several obstacles in its implementation, such as data input errors, limited human resources, limited technological infrastructure, difficulties in adapting to system changes, and data security problems. In an effort to overcome the obstacles faced, strategic steps are needed such as providing regular training to system users in order to minimize data input errors, increase and improve the competence of the human resources involved, and strengthen the technology infrastructure with more adequate devices and networks.

The principal has an important role which is very helpful to the Cokroaminoto Islamic elementary school. in improving the quality of education, even though his role is only as PLT Principal, he carries out his duties well. Efforts to improve the quality of education are one of the factors in creating ideal education. This research wants to find out more about "The Role of Principal Leadership and Teacher Performance in Improving the Quality of Education" in accordance with the main problem raised, namely the relationship between principal leadership and teacher performance in improving the quality of education at the Cokroaminoto Surabaya Islamic elementary school. There are several factors that influence the increase in educational progress, including: a) competent teachers, b) facilities and infrastructure, c) implementation of curriculum and innovations implemented, d) student involvement, e) evaluation or supervision carried out by the Head of School, f) and administration education.  The aim of this research is to find out the role of the school principal as a leader, who has motivator competencies and indicators for educational staff who contribute to improving the quality of education.  This research method uses a qualitative approach and uses a case study research design. Data collection techniques used (1) in-depth interviews, (2) non-participant observation, (3) documentation studies. Data validity techniques use credibility, transferability, dependability and confirmability. Data analysis techniques use data reduction, data presentation, verification or conclusions. The conclusion of this research is that there is a link between school leadership and teacher performance in an effort to improve the quality of education at the Cokroaminoto Islamic elementary school, Surabaya.

Yogyakarta City is a City of Culture and Tourism City in Indonesia. The purpose of optimizing the tourism sector is to improve community welfare by utilizing facilities and infrastructure, one of which is a parking lot. The revitalization of parking locations indicates a decrease in the income level of parking attendants around Malioboro. Therefore, efforts are needed to achieve personal financial management based on Financial Attitude and Financial Literacy. This research method uses quantative with parking attendant respondents around the Malioboro area. Data analysis using SEM. The results show that financial attitude affects personal financial management, financial attitude affects financial literacy and financial literacy affects personal financial management. But financial literacy cannot mediate between financial attitudes towards Personal Financial Management.

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.

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.

This study aims to determine the potential bankruptcy of airline companies listed on the Indonesia Stock Exchange using the Altman Z-Score model. This research uses descriptive quantitative methods. This study aims to determine the potential bankruptcy of airline companies listed on the Indonesia Stock Exchange using the Altman Z-Score model. This research uses descriptive quantitative methods. The sample in this study is the financial statements of 3 airline companies listed on the Indonesia Stock Exchange (IDX) for the 2016-2022 period. The data collection technique used in this study used secondary data. The data analysis technique uses the modified Altman Z-Score method. The results of this study show that PT Garuda Indonesia Tbk is in bankruptcy condition in 2016-2021, and in 2022 the company is different in gray area conditions. PT Air Asia Indonesia Tbk for seven years, namely in 2016-2022, was in bankruptcy condition. PT Indonesia Transport & Infrastructure Tbk was in bankruptcy condition in 2016-2021, and in 2022 the company was in a gray area condition..

The existence of infrastructure and development that continues to develop in Kulon Progo, such as the YIA Airport in  Kulon Progo, hotels and shopping centers can lead to rapid development growth in Kulon Progo. With development increasing rapidly but not accompanied by the development of human resources in the surrounding area, this has resulted in the marginalization of the surrounding community. The author's aim is to analyze the activities carried out by the Kulon Progo government to increase the capacity of the Kulon Progo community. Can also analyze problems that arise in the development process and how the Department handles them. A qualitative approach was chosen for this research process, namely descriptive research. The data sources used are primary data obtained during the research process and secondary data from books and other literature. The data collection process was carried out by interviews, direct observation and documentation. The research results include plans for development and empowerment activities prepared by the department taking into account various agency linkages and the needs of business actors in Kulon Progo. The Department carries out various programs such as training to increase production capacity, improving central management, issuing permits to increase business capacity in Kulon Progo. Monitoring and evaluation of activities is also carried out to determine the obstacles and successes of activity programs.

Conventional Ojek is one form of alternative transportation in Indonesia. Sikka Regency has rapid development in all sectors and has several airports and ports to support the movement of people and goods. Conventional ojek meets the biggest competitor, namely the emergence of online ojek. Although various competitors appear conventional ojek in Sikka Regency is still the main choice of public transportation mode. This study analyzes the effect of service quality and price on consumer satisfaction of students who use conventional ojek services at Nusa Nipa University. The population in this study were all students who use conventional ojek at Nusa Nipa University. This study uses purposive sampling method, namely the technique of determining the sample using certain considerations with the number of respondents 100 people. The research instrument used a questionnaire with the data collection technique used was to use a Likert scale and analyzed using SPSS 25 software. The results show that partially service quality has a significant effect on customer satisfaction. Price has a significant effect on customer satisfaction. Simultaneously service quality and price have a significant effect on customer satisfaction. Conventional ojek has become a means of transportation that is needed by people in Maumere city. Government advice needs to take care of legalization, conventional ojek data collection, infrastructure management and price regulations and to ojek drivers pay attention to safety, comfort and completeness of vehicles.