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This article discusses the transformation of international payments that continues to develop along with technological advances and increasing needs for efficiency, speed, and security in conducting cross-border transactions. This development is marked by the innovation of international payments with the existence of CBDC (Central Bank Digital Currency) and its integration with fintech, as a digital currency issued by the Central Bank. In this study, the research method used is a qualitative descriptive method. Where data can be obtained through informal group discussions, literature studies, and from various sources of information related to the transformation of international payments, CBDC, and the fintech ecosystem. The results of the study show that there has been a transformation of international payments that started from manual or cash transactions, until now it can carry out digital payment transactions using CBDC payment innovations. However, there are challenges or risks in using CBDC, namely related to data security and privacy, new financial technology regulations, changes in consumer behavior, and financial stability risks. This article is expected to provide insight for industry players to be able to utilize the potential of CBDC and fintech in building a more modern and sustainable international financial system.

Considering the importance of economic activities in maintaining national stability, sharia banking is considered as an approach to boosting the nation's economy. Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM), three sharia banks that were previously in existence, have merged as a result of the growth of the sharia banking sector in Indonesia, into one business entity. The process of merging two companies into one, where one takes a new name and the other is dissolved while all its assets are combined into the still operating business, is known as a merger. Of course, mergers are carried out with a specific purpose, as is currently experienced by the banking industry. In the context of these concerns, researchers plan to explore the impact of the consolidation of three state-owned sharia banks on the development of Indonesia's sharia economy. The influence of PT business combinations is revealed through the use of a literature observation approach in this research. Indonesia's sharia economic growth will be considered with a focus on Bank Syariah Indonesia (BSI) Tbk. Secondary data for this research was obtained from various sources, including scientific journals, e-books, and other relevant sources. This research aims to investigate the influence of the Indonesian Sharia Bank (BSI) business combination on the development of the sharia economy in these countries

The aim of this study is to examine how PT Mayora Indah Tbk handles exchange rate variances and foreign currency transactions. At PT Mayora Indah Tbk, instances of exchange rate variances and foreign currency transactions arise from the existence of subsidiaries overseas, loans, export sales, and certain significant company acquisitions. The qualitative research method is employed, with PT Mayora Indah Tbk as the subject of investigation. The collection of data and information utilizes library research methods and information extracted from PT Mayora Indah Tbk's Annual Report. The findings of the study indicate that the treatment of exchange rate variances and foreign currency transactions at PT Mayora Indah Tbk aligns with the relevant PSAK. Nonetheless, the study is constrained as it relies on data from publicly distributed financial statements and concentrates solely on the account of other income exchange rate variances in the elaboration of financial statements. The researcher looks forward to improved and more intricate research endeavors in the future.

Indonesia is one of the coffee-producing countries as well as coffee connoisseurs who get attention from local and international communities. The culture of drinking coffee is enjoyed by all people in the world, but as time has progressed, the meaning of coffee drinking culture has become its meaning. The existence of this coffee drinking culture also creates a place to enjoy coffee and lifestyle activities for consumers called coffee shops or coffee shops and makes this a research subject. Research that has been done produces several things in influencing customer decision making. This research is expected to provide an understanding of customer decision making in choosing a coffee shop location to enjoy a cup of coffee and other activities, namely the café atmosphere and customer experience.  

In the industrial sector, human resources is an important asset and element that serves as a non-material capital that can be realized into physical and non physical potential in realizing the existence of the organization. Protection of occupational safety and health is often ignored, especially by those who tend to seek profit only. If a worker has an accident or a work-related illness then the agency simply replaces it with a new worker. In order to provide protection for the workforce, an agency needs to pay attention to the safety and health of the workforce by implementing Occupational Safety and Health Management.  

Education should be a center of attention in Indonesia, education services for the community, must continue at the level throughout the country. Implementation and service of education in Indonesia is still uneven, still focused on big cities. Many areas in Indonesia find it difficult for the public to obtain educational services, Jakarta as the national capital, as if everything is there and available there, but it must be admitted for Banten Province which is adjacent to the Special Capital Region of Jakarta. Data from the Central Statistics Agency (BPS) for 2016, shows that the average length of schooling in the Banten region is only 8.37 years, in Serang District some students have to risk their lives because the school is damaged, so that classrooms are used alternately. Based on data released by the Ministry of Culture and Culture, there are 48% of schools in Banten that have been damaged and are not suitable for normal use as school rooms. The Banten Education Office stated that there are many problems driving the low net enrollment rate (APM) in schools in Banten, including inadequate facilities and infrastructure, educational services are not evenly distributed, and the community's level of education is still low. This research is intended to identify and examine the existence of the image of higher education, peers and facilities and infrastructure in influencing students' interest in continuing their education to a higher level. The method used in this study is a quantitative method with descriptive and verification properties. The analysis tool used is path analysis with the help of the SPSS for Windows 25 program. The results of the study show that there is an influence from the image of higher education, peers and facilities and infrastructure on interest in college.