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This study is motivated by the increasing use of digital technology and the influence of psychological factors, particularly Fear of Missing Out (FoMO), on consumer purchasing decisions, especially in gold investment products. Along with the digitalization of financial services, Pegadaian introduced the Tring! Application as a digital transaction platform expected to increase Galeri 24 gold sales. This study aims to analyze the effect of Fear of Missing Out (FoMO) and the use of the Tring! Application on the increase in Galeri 24 gold sales at Pegadaian Sunter Branch, both partially and simultaneously.This research employs a quantitative method with a descriptive approach. Data were collected through questionnaires distributed to 90 customers of Pegadaian Sunter Branch who have used the Tring! Application. The data were analyzed using multiple linear regression with the assistance of IBM SPSS software, including t-test, F-test, and coefficient of determination. The results indicate that Fear of Missing Out (FoMO) and the use of the Tring! Application have a positive and significant effect on the increase in Galeri 24 gold sales, both partially and simultaneously. These findings highlight the important role of psychological factors and digital application utilization in driving gold product sales growth.

The implementation of office management systems in government agencies is one of the efforts to improve administrative efficiency. This study is motivated by the importance of the effectiveness of administrative work in the modern era, especially in the Office of the Ministry of Religious Affairs of East Kutai Regency. This study aims to determine how much influence the implementation of office management systems has on administrative efficiency. The method used is a quantitative approach with simple linear regression analysis. The population in this study was 40 respondents. The results showed that the office management system variable (X) had a positive effect on administrative efficiency (Y), with a correlation coefficient of 0.867 and a significant t-test value. The contribution of the office management system to administrative efficiency was 75.2%. Thus, the implementation of the office management system has a major impact on administrative efficiency, although there are other factors that also influence it. Therefore, improving the quality of office management, including document management, technology utilization, internal communication, and supervision, needs to be continuously developed to support optimal administrative services..

The digital era has brought significant changes to various aspects of life, including the business world. Information and Communication Technology (ICT) offers new opportunities for Micro, Small, and Medium Enterprises (MSMEs) to innovate and enhance their competitiveness through various aspects such as products, processes, and business models. MSMEs play a crucial role in the Indonesian economy, contributing approximately 60% to Gross Domestic Product (GDP) and absorbing over 97% of the workforce. Despite this, MSMEs often face challenges such as limitations in capital, technology, and market access. Digital transformation presents great potential to address these challenges by improving operational efficiency, expanding market reach, and developing more relevant products and services. Business model innovation, which involves the use of digital technology to create effective solutions, can enhance MSME performance, as demonstrated by previous research. However, barriers such as limited resources and digital skills often hinder technology adoption. This research aims to examine the role of innovation in the development of MSME business models in the digital era, focusing on the utilization of digital technology, success factors of innovation, and impacts on business performance. Additionally, the study will explore strategies to overcome obstacles in the innovation process. The research is expected to provide in-depth insights and practical recommendations for MSMEs in developing innovative and sustainable business models in the digital era.

MSMEs (Micro, Small, and Medium Enterprises) are one of the important economic pillars in driving local economic growth in various cities in Indonesia. However, MSMEs often face significant challenges, especially related to financial and labor risk management. This study aims to analyze financial and labor risk management at Mbak Yummi Chicken Noodle MSMEs in Medan City. In this study, a descriptive qualitative approach with interviews was used to collect data from business owners and employees. The analysis was conducted with a focus on financial risk management strategies, such as product and service diversification, creative promotion, cash flow management, and access to capital, and labor risk management strategies, including employee cost management, employee development and retention, and effective performance management. The results show that Mbak Yummi Chicken Noodle MSMEs have implemented various strategies to effectively manage financial and labor risks. Product and service diversification, creative promotions, and utilization of online delivery and ordering services help reduce financial risks and maintain revenue stability. Meanwhile, efficient management of employee costs, employee development, and effective performance management help manage labor risks, improve productivity, and maintain service quality. This research shows that effective financial and labor risk management plays an important role in the operational success of Mbak Yummi Chicken Noodle MSMEs.

Management of Village Fund Utilization in Infrastructure Development carried out by the Village Government to support community development and empowerment. Qualitative research method with a descriptive approach by examining four aspects, namely planning, organizing, mobilizing and supervising. Data collection techniques include observation, interviews, documentation and triangulation. The determination of informants was carried out "Purposively", namely deliberately selecting 5 people to become informants. The data analysis stages are: Data Collection, Data Condensation, Data Presentation, Conclusion Drawing. The results of this research show that the Management of Utilizing Village Funds in Infrastructure Development in Puse Village, South Dampal District, Toli-Toli Regency begins with the planning process, namely the Village Development Planning Conference (musrenbang). then in the organizing stage at this stage the organizing in terms of division of work is carried out by the village head. Implementation Process where the implementation of activities and supervision processes is carried out by supervisors from the sub-district village and district supervisors.