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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.

This study aims to analyze the application of occupational safety and health in the Special Vehicle Division of PT Pindad using hazar indentification, risk assessment, and risk control methods. The focus of the research is to identify potential hazards, assess the level of risk, and evaluate risk control efforts in the production process of the Special Vehicle Division. The research method used is descriptive with a quantitative approach. The data used in this study was obtained from the results of interviews and direct observations at the company. The results of this study show that there are 5 activities that are identified as causing potential danger, and the risk rating is determined, namely the first activity has a medium risk value, the second activity has a low risk value, the third activity has a negligible risk value, the fourth activity has a high risk value, and the fifth activity has a medium risk value, as well as administrative control efforts, technical control, and PPE control.

This study aims to analyze the implementation of performance management at the micro–enterprise AMANAH YOGURT, located in Candimulyo, Kiringan, Boyolali. The business employs 11 workers with specific task divisions: 7 in packaging, 1 in production, 2 in marketing responsible for promotion and advertising, and 1 supervisor who monitors the production process while also assisting in production ac,tivities. The daily production capacity reaches 500 packs during peak demand and 350 packs under normal conditions. This research applies a descriptive qualitative approach through observations and informal interviews with the owner and employees. The findings indicate that AMANAH YOGURT has implemented performance management through the application of production SOP, clear task distribution, informal evaluative communication between the owner and employees, as well as consistent adherence to hygiene standards and product quality. AMANAH YOGURT products have been distributed across Java Island, Bali, and even Mataram through bus logistics, travel services, and direct delivery for nearby areas. Halal certification and BPOM authorization further enhance consumer trust and strengthen the competitiveness of the business.

This study examines students’ understanding and application of Qawāʿid al-Fiqhiyyah in their daily muamalah practices and its implications for their ethical behavior. Using a descriptive qualitative approach, the research involved twenty students who provided data through questionnaires, in-depth interviews, and observations. The findings indicate that most students possess a solid understanding of the function of legal maxims as general principles guiding Islamic legal reasoning and as analytical tools for addressing contemporary issues. They are able to apply Qawāʿid al-Fiqhiyyah in various modern activities, such as digital transactions, social interactions, and financial management, which helps them act with greater caution, fairness, and responsibility. Nevertheless, several challenges remain, including difficulties in understanding Arabic terminology, limited contextual examples, and environments that do not always support consistent application. This study concludes that strengthening practical understanding and contextual learning is essential for Qawāʿid al-Fiqhiyyah to function effectively as a moral and Sharia-based guide for students navigating the complexities of modern life.

The use of e-wallets is increasing in Indonesia, especially during the Covid-19 pandemic. The most popular digital wallets in Indonesia, such as Go-Pay, OVO, ShopeePay, Dana, and LinkAja, have adapted the mobile banking system, making it easy for users to download the app through the Play Store or App Store. According to Insight Asia, DANA is ranked third in terms of number of users after Gopay and OVO, with 221 respondents from major Indonesian cities. As an e-wallet platform created by PT Espay Debit Indonesi Koe Indonesia in 2018, DANA, as a local company, attracts people's interest and has become a popular choice. This study aims to identify the relationship and influence between Perceived Usefulness and Perceived Ease of Use on Decision to Use E-wallet, especially DANA, with Intention to Use E-wallet as an intervention variable. Through regression tests, the research findings show that Perceived Usefulness and Perceived Ease of Use have a positive and significant effect on Intention to Use DANA, and Intention to Use DANA has a significant effect on Decision to Use DANA. Intention to Use E-wallet mediates the relationship between Perceived Usefulness and Perceived Ease of Use with Decision to Use DANA. This result is obtained by looking at the results of statistical processing, where the p-value <0.005. These findings imply that the perceived usefulness and ease of use of the DANA application has the potential to encourage user interest in using e-wallets, which in turn can influence users' decisions to adopt DANA as an electronic payment method.

This study aims to examine the contribution of business ethics and the implementation of Corporate Social Responsibility (CSR) to the business sustainability of the Micro, Small, and Medium Enterprise (MSME) Depot Air Barokah in Medan City. Using a case study approach, the research explores how ethical practices in service, honesty in product quality, and social concern for the environment and surrounding community can build consumer trust and enhance business competitiveness. These ethical and social dimensions are seen as essential components in sustaining long-term business operations, especially in competitive markets. Data were collected through interviews, direct observations, and supporting documentation, and were analyzed using a descriptive qualitative method to provide a comprehensive understanding of the enterprise's practices. The results indicate that the application of ethical and socially responsible business practices has a positive impact on customer loyalty, brand image, and the operational sustainability of Depot Air Barokah. Therefore, MSMEs that consistently uphold business ethics and implement CSR not only achieve economic benefits but also foster harmonious relationships with consumers, stakeholders, and the broader community.

This study aims to analyze the effectiveness of goods delivery at PT TIKI Jalur Nugraha Ekakurir (JNE) and its impact on customer satisfaction, focusing on the application of Total Quality Management (TQM) principles. The research method used is a quantitative survey with purposive sampling technique, where data is collected through questionnaires distributed to customers. The results show that the application of TQM, which includes employee involvement, continuous improvement, and customer focus, significantly enhances delivery effectiveness. Furthermore, regression analysis indicates that delivery effectiveness positively influences customer satisfaction. This study recommends that PT JNE continue to strengthen the application of TQM in its operations to improve service quality and customer satisfaction.  

The lack of integration of ethical principles into corporate social responsibility (CSR) practices remains a common issue, posing significant challenges in building public trust and ensuring business sustainability. This study aims to examine how the implementation of business ethics can enhance the effectiveness of CSR within corporate environments. The research employs a literature review method, analyzing various academic publications, regulatory frameworks, and corporate reports relevant to business ethics and CSR. The findings reveal that consistent application of ethical values can deepen the meaning and impact of CSR initiatives, improve corporate reputation, and strengthen relationships with stakeholders in a more meaningful and sustainable manner.Nevertheless, several challenges persist, particularly in the form of organizational cultural differences and the suboptimal internalization of ethical principles into corporate systems and work culture. Therefore, strategic efforts are required to ensure that business ethics are not merely treated as normative concepts, but are truly embraced as core values in CSR practices aimed at achieving social and environmental sustainability.

This paper discusses the methodologies for balanced transportation problems and their solutions, focusing on efficient and cost-effective distribution of goods from multiple sources to various destinations. The study highlights the importance of maintaining supply and demand balance and explores systematic approaches such as initial solution methods—North-West Corner, Least Cost, and Vogel Approximation Method—and the optimal solution technique, Stepping Stone. An illustrative case involving a company with multiple factories and markets demonstrates the application of these methods, resulting in minimized transportation costs. Additionally, the process of fertilizer allocation and cost analysis is examined, emphasizing the use of the Stepping Stone method to achieve cost minimization. The findings underscore the effectiveness of combining initial heuristics with iterative optimization to attain optimal transportation solutions, thereby enhancing logistical efficiency and reducing operational expenses.

This study explores the role of Big Data in crisis communication in the digital age, where information dissemination happens quickly through various platforms. This transformation poses challenges such as the risk of spreading fake news and reputation crises. Big Data plays an important role in detecting potential crises early, as well as in understanding the dynamics of public opinion and designing more responsive and effective communication strategies. Through real-time data collection and analysis from various sources, such as social media and news reports, organizations can build smart and adaptive monitoring systems. This research uses a descriptive qualitative approach to explore the role of Big Data in crisis communication in the digital era. The results show that the crisis detection process starts from data collection, cleaning, to sentiment analysis that helps organizations measure public response. However, the application of Big Data also faces considerable challenges, including the complexity of processing data with high accuracy, privacy issues, and the readiness of infrastructure and human resources in the organization. This research provides clearer insights into the strategies that can be used to optimize Big Data in crisis communications, so that organizations can strengthen communication effectiveness, maintain reputation, and build public trust amidst evolving information challenges.

This study aims to analyze the spending patterns of students at the Faculty of Islamic Economics and Business (FEBI), State Islamic University of North Sumatra (UINSU), and to examine the implementation of personal financial planning in their daily lives. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 40 students from various departments and semesters, selected purposively. The findings indicate that most students have high expenditures on consumption needs such as food and internet access, as well as lifestyle expenses like online shopping and entertainment. The majority do not regularly prepare a financial budget, rarely record their expenses, and exhibit impulsive spending behavior influenced by social pressure and digital media. Although students possess theoretical knowledge of Islamic economic values, their practical application in financial management remains limited. This study recommends the need for more practical, Islam-based financial literacy programs within the FEBI UINSU environment. Financial training and mentoring programs are considered essential to enhance students' financial awareness and independence.

This study aims to analyze the cultivation process and marketing management strategies of ornamental plants applied by Ganda Nursery as one of the MSMEs in the horticulture sector. The research method used is descriptive qualitative with data collection techniques through observation, in-depth interviews, and documentation. The results of the study indicate that Ganda Nursery has succeeded in implementing sustainable ornamental plant cultivation techniques, including through the selection of superior seeds, the use of organic planting media, and pest control based on botanical pesticides. From a management aspect, Ganda Nursery utilizes digital marketing strategies through social media such as Instagram and WhatsApp to expand market reach and increase sales. This success cannot be separated from the application of sustainability principles and Islamic values ​​that emphasize the importance of managing natural resources wisely and responsibly. The obstacles faced include fluctuations in market demand, business competition, and limited resources, but are overcome by product innovation and improving service quality. This study is expected to be a reference for other MSMEs in developing sustainable and highly competitive ornamental plant businesses.

Digital transformation in Indonesia has increased dependence on digital database systems, so that personal data protection has become a crucial issue. This research aims to analyze the urgency of protecting personal data in digital database systems in Indonesia from regulatory, ethical and technical strategy aspects. The method used is literature study and document analysis of regulations, ethical practices and data protection technology. The research results show that even though Law Number 27 of 2022 concerning Personal Data Protection (UU PDP) has been passed, its implementation still faces challenges in the form of low digital literacy, weak law enforcement, and not yet optimal monitoring infrastructure. Additionally, implementing ethical principles and technical strategies, such as encryption, access control, and privacy by design, is critical to strengthening data security. This research concludes that effective personal data protection can only be realized through synergy between strong regulations, the application of digital ethics, and adequate technical strategies, in order to safeguard individual privacy rights in the digital era.

This paper explains the comparison of manual port service system to the Online Harbor Master system. The method used in this study is field research. The author conducted direct observations and interviews with the company and library research where the author obtained material or paper materials from books in the library or other reading sources related to the topic taken. The Online Harbor Master System is an open and neutral electronic portal to facilitate the exchange of data and information on port services quickly, safely, neutrally and easily which combines with related government agencies, port business entities and logistics industry players to improve better port competitiveness globally. The purpose of this study is to determine the comparison of manual port service to the Online Harbor Master System. The comparison between the manual system and the Online Harbor Master System is that manual work takes a lot of time and money. All activities must be done directly or face to face to the Harbor Master. Factors that influence are the amount of time and costs incurred, for example, applications are still manual, the queue for applications still comes to the Harbor Master or face to face, still uses a lot of paper, and all applications are not in one system. In the service process using the Online Harbor Master System, the effect felt is more efficient and makes it easier for agents to enter data on ships that want to enter the port.

This study aims to determine the impact of implementing Augmented Reality (AR) features on mobile shopping applications on purchasing decisions of Generation Z consumers, especially first-time buyers. The research method uses a quantitative approach, the study involved 385 Generation Z respondents (aged 18-25 years) who were using AR features for shopping for the first time. The results of multiple linear regression analysis show that AR Visual Quality (X1), AR Interactivity (X2) and AR Ease of Use (X3) have a significant positive effect on Purchasing Decisions (p <0.000). The study revealed that 78.5% of AR features influence Generation Z in deciding to purchase on mobile shopping applications. In this case, it can be concluded that the presence of AR features can reduce Gen Z's hesitation in deciding to purchase for first-time buyers. Key factors influencing purchasing decisions include AR visualization quality, ease of use, and feature interactivity.

The application of technology-based human resource (HR) management in education is becoming increasingly important to enhance the quality of management and the development of teachers’ competencies. Technology, particularly through the use of Management Information Systems (SIM) and Learning Management Systems (LMS), enables more efficient data management and flexible professional development for teachers. However, its implementation faces key challenges such as limited infrastructure and low digital skills among some teachers. This study uses the Systematic Literature Review (SLR) method to analyze relevant sources in order to identify the role of technology in HR management in education and the challenges faced in its implementation. The findings show that the application of technology in HR management in education has a positive impact on efficiency and teacher competence. However, the biggest challenges are limited infrastructure and digital skills of teachers. Policies supporting infrastructure improvements and digital training for teachers are necessary to ensure that technology can be optimally used to improve the quality of education in Indonesia.

This study analyzes the influence of ease of use and security on customer satisfaction with the mobile banking services of Bank Sumsel Babel Syariah, particularly among students of the Faculty of Islamic Economics and Business at UIN Raden Fatah Palembang. Using a quantitative approach, data were collected through questionnaires from 100 respondents. The results indicate that ease of use does not have a significant effect, while security has a positive and significant impact. Collectively, ease of use, security, and trust contribute 78.5% to customer satisfaction variability. The study recommends enhancing security systems and usability of the mobile banking application, as well as educating customers on safe usage practices.

This research was created to find out how to carry out the process of extending ship safety certificates that have expired and renewing them in order to comply with policies, standards, norms, guidelines, criteria and procedures as well as technical guidance, evaluation and reporting in the field of shipworthiness, measurement. Ships and ship nationality, nautical, technical and ship radio, pollution and ship health management and maritime affairs. In submitting an application, the shipping company must follow the procedures set by the Directorate of Shipping and Maritime Affairs, sub-directorate of ship safety, with the requirement to attach complete documents such as an application letter, ship safety certificate.

Customer segmentation plays a pivotal role in driving marketing strategies and improving customer retention across various industries. This study explores the application of the RFM (Recency, Frequency, Monetary) model for customer segmentation in a Software-as-a-Service (SaaS) business, using Python for efficient data processing and analysis. By analyzing one year of customer purchase data, we segmented customers into key groups such as "Champions," "Loyal Customers," and "At Risk." The results highlight that targeted discount strategies significantly affect profitability, especially for high-value customer segments. Furthermore, the research builds upon existing methodologies, demonstrating how Python-based implementations streamline RFM analysis and allow for scalable solutions in business contexts, as illustrated in prior works by Hermawan et al. (2024). This study offers actionable recommendations, including tailored discounting, loyalty programs, and personalized engagement strategies, to enhance customer retention and business profitability. The findings underscore the importance of data-driven marketing approaches for customer segmentation and engagement, reinforcing the relevance of the RFM model in modern business environments.

This research aims to determine the influence of online shopping experiences and trust on repurchase intention at TikTok Shop. The sample objects in this research are consumers who have made at least 3 purchases on the TikTok Shop application. There were 28 consumers who made purchases 3 times, 5 people made 4 purchases, and 67 people made frequent purchases at the TikTok Shop. This study uses a Quantitative Method using non-probability sampling method with purposive sampling. The sample in this study was 100 respondents, processing data using the SPSS 26 application with multiple linear regression analysis testing which included validity test, reliability test, Ttest, Ftest and the coefficient of determination (R²). The research results show that: Hypothsis 1) online shopping experience has a positive and significant effect on repurchase interest at TikTok Shop, hypothsis 2) trust has a positive and significant effect on repurchase interest at TikTok Shop, hypothesis 3) Trust and Online shopping experience have a positive and significant effect on online repurchase interests the determinant coefficient (R²) is 0.156. This means that the variables of online shopping experience and trust influence repurchase interest at TikTok Shop by 15.6%, while the remainder or 84.4% is influenced by other variables not examined in this research.