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This study aims to analyze the strategies used by Islamic banks to improve Islamic financial literacy in the digital era and to identify the challenges and opportunities that arise during their implementation. A mixed method approach with a concurrent triangulation design was applied, combining qualitative data collected through interviews and document analysis with quantitative data gathered from community perception surveys regarding Islamic financial literacy. Data analysis involved thematic content analysis for qualitative data and descriptive statistics for quantitative data, which were later integrated through triangulation to produce more comprehensive findings. The results indicate that Islamic banks implement strategies centered on the synergy between direct educational programs, collaboration with academic institutions and communities, and the utilization of digital technology through applications and social media platforms. The findings also reveal a significant literacy gap, particularly among younger generations and groups with limited digital access. Nevertheless, opportunities for literacy improvement continue to expand through internet penetration, digital innovation, and increasing public trust in the Islamic financial system. Overall, the study concludes that the success of Islamic financial literacy programs depends on the sustainable integration of educational and digital strategies.

This study aims to analyze the digitalization strategies implemented by Islamic banks to increase public interest in Sharia savings products. The research focuses on the use of digital technologies such as mobile banking, Islamic fintech, big data, and social media as key instruments to enhance service accessibility and strengthen customer trust. A qualitative descriptive method with a literature-based approach was employed by collecting and examining relevant academic sources. The data were analyzed using thematic analysis to identify patterns and relationships between digitalization and customer interest in Sharia savings. The findings indicate that digitalization enhances service accessibility, operational efficiency, and personalized user experiences. Mobile banking plays a dominant role in improving transaction convenience, while social media contributes significantly to customer education and product promotion. Furthermore, collaboration with Islamic fintech supports financial inclusion and encourages innovation aligned with Sharia principles. The results confirm that digitalization is a strategic driver for Islamic banks to remain competitive and relevant within the evolving financial industry landscape.

Abstract. This study aims to examine the role of social innovation in accelerating community economic development through a participatory approach based on local potential. Social innovation is seen as an effective new solution to address various social and economic problems, particularly at the community level, by involving communities as key actors of change. This study highlights the importance of collaboration between communities, government, academia, the private sector, and non-governmental organizations in creating an inclusive and sustainable development ecosystem. The results indicate that social innovation can strengthen community economic independence, create alternative economic models such as digital cooperatives and community-based economies, and encourage broad participation in the development process. However, various obstacles remain, such as low digital literacy, limited access to funding, and weak policy support. Therefore, systemic interventions and more progressive policy support are needed to expand the impact of social innovation on sustainable community economic development.

This research aims to systematically analyze the causes, impacts, and strategies for addressing economic recessions through the Systematic Literature Review (SLR) method. Using the PRISMA guidelines, this study identifies and synthesizes scientific literature from 2020 to 2025 that discusses economic recessions in both global and national contexts. The study results show that the economic recession is triggered by various factors such as high inflation, energy crises, global pandemics, and geopolitical tensions. The impact extends to the labor sector, the business world, and the social conditions of society, particularly on MSMEs and vulnerable groups. Effective strategies for facing a recession include coordinated fiscal and monetary policies, strengthening the domestic economy, as well as technology-based innovation and multisector collaboration. These findings provide a conceptual foundation for formulating adaptive economic policies in facing future economic crises.

This article discusses risk management strategies in the face of global market uncertainty triggered by the process of globalization and economic interconnection. Through a literature review, it highlights the importance of a proactive, flexible and collaborative approach that integrates various aspects such as politics, economics, technology and human resources. The use of modern technologies such as artificial intelligence (AI) and big data analysis is key in accelerating risk detection and appropriate decision-making. In addition, strengthening human resources, investment diversification, building risk reserves, and cross-departmental and external collaboration are considered key strategies to improve organizational resilience and competitiveness amid global uncertainty. The results of this study provide recommendations for organizations to adopt a comprehensive and sustainable approach to risk management to maintain business stability and sustainability in the era of globalization.

Non-Civil Servant Government Employees (PPNPN) are a vital component in the operational activities of an organization. However, their performance management faces challenges in efficiency and standardization. This scientific paper examines the potential implementation of Google Sites as a platform for PPNPN performance management. The analysis focuses on the existing regulatory framework. The proposed model leverages the integration of Google Sites with Google Forms, Google Sheets, and other supporting applications provided by Google to digitize the performance management cycle, from planning, monitoring, and evaluation (based on indicators such as integrity, discipline, teamwork, communication, and service), to documentation and feedback. The main advantages of this platform include administrative efficiency, increased data transparency and accessibility, centralized data management, potential for consisten process, collaboration, and cost-effectiveness. Nevertheless, its implementation faces significant challenges related to the digital literacy gap among PPNPN with diverse roles, data security and privacy issues in the public sector, the need for robust change management, feature limitations compared to specialized HRIS systems, particularly in the Ministry of Finance where the research object's office is located, and the necessity for adequate supporting infrastructure. This research concludes that Google Sites offers a technically viable solution, but its success highly depends on the organizational and human resource readiness of both the HR managers and the PPNPN themselves.

The rapid advancement of digital transformation, coupled with the increasing intensity of competition in the financial industry, compels banking institutions to implement appropriate strategies to enhance their competitiveness—particularly in serving the micro and Small and Medium Enterprises (SMEs) segments. This study aims to analyze the application of the Strategic Position and Action Evaluation (SPACE) Matrix as a tool for formulating effective marketing strategies at Bank BRI Unit Sokaraja Tengah.By employing a qualitative approach through direct observation and interviews, this research evaluates four key dimensions within the SPACE Matrix framework: Financial Strength (FS), Competitive Advantage (CA), Environmental Stability (ES), and Industry Strength (IS). The analysis results indicate that FS scored 5, CA scored 4, ES scored 4, and IS scored 3. Collectively, these scores position Bank BRI Unit Sokaraja Tengah within the aggressive quadrant.These findings suggest that the bank unit possesses strong internal capabilities and significant external opportunities for continued growth and innovation. Based on this strategic positioning, the recommended strategies include: strengthening digital service innovation, enhancing customers' financial literacy, and fostering active collaboration with the SME community. The implementation of this aggressive strategy is expected to reinforce the bank's competitive position and sustainably support growth in the microeconomic sector.

Managing human resources and entrepreneurship are two crucial components of any successful organization. Human resources management focuses on recruiting, training, and retaining employees to ensure they can perform their job duties effectively. On the other hand, entrepreneurship involves the creation and development of new business ventures, products, or services. Both areas play a significant role in the overall success and growth of a company. In this paper, we will explore the intersection of human resources management and entrepreneurship, examining how these two disciplines can work together to drive innovation and organizational success. By leveraging the expertise and creativity of both HR professionals and entrepreneurs, companies can cultivate a culture of innovation and adaptability. This collaboration can lead to the development of cutting-edge products and services, as well as the implementation of forward-thinking HR practices that attract and retain top talent. However, integrating HR and entrepreneurship may also present challenges, such as balancing risk-taking with employee well-being and ensuring that organizational goals align with individual aspirations. Despite these obstacles, the potential benefits of combining these disciplines are vast, offering companies a strategic advantage in today's competitive business landscape.

This research aims to analyze the role of economics and business in the context of sustainable development using a stakeholder approach. In facing complex global economic challenges, collaboration between various stakeholders—including government, the private sector, and society—has become critical to creating solutions that are effective and responsive to society's needs. The research method applied is descriptive qualitative, with data collection through in-depth interviews and participant observation in locations with significant economic activity. The research results show that synergy between stakeholders has a big influence on local economic development. This research identifies key factors such as effective communication and trust as important elements in collaboration. It is hoped that these findings will provide insight for policy makers and business people in formulating more inclusive and sustainable development strategies.

Baro Gebang Beach has great potential to develop as a sustainable tourism destination. The main challenge in resource management is combining economic growth with environmental conservation. Fintech is present as an innovative solution to support tourism development in this area, by providing access to capital, community-based funding, and increasing operational efficiency. Through P2P lending, local craftsmen in Baro Gebang Beach can expand their businesses, create new jobs, and increase income. This literature review emphasizes the importance of digital literacy and cross-sector collaboration in creating an inclusive and sustainable tourism ecosystem.

The development of digital technology has opened significant opportunities for the website development industry to innovate, particularly through the implementation of Augmented Reality (AR) technology. This study explores the application of the Business Model Canvas (BMC) in designing a business strategy for ACW Studio, a website development service company utilizing AR technology. By integrating AR, ACW Studio offers a unique value proposition, such as creating interactive websites and AR-based creative products, significantly enhancing customer experience. The use of BMC helps the company analyze nine key business elements, including strategic collaboration, service personalization, and optimization of digital distribution channels. The study results show that AR-based strategies can provide substantial competitive advantages in a highly competitive market while also opening opportunities for expansion into sectors such as education, retail, and tourism.

This article aims to provide theoretical and practical insights into conflict management to support leaders and managers in managing conflict effectively in various contexts and provide a comprehensive understanding of conflict management through a literature review of the sources, symptoms, and causes of conflict. Conflict that occurs in an organization can hinder the achievement of desired goals, therefore conflict needs to be managed properly so that its impact can be minimized, organizational conflict can also be interpreted as a conflict that arises when the goal-oriented behavior of one group conflicts with or is threatened by the goals of another group. This study uses a literature study method to analyze various concepts of conflict management that have been put forward by experts. The results of the study show that conflict, whether in a positive, negative, or neutral sense, is an unavoidable phenomenon. The source of conflict can come from various factors that trigger differences and clashes between individuals, groups, or organizations. Conflict also occurs due to misunderstandings or incompatibilities between individuals or groups in an effort to achieve their goals, this is often referred to as a causal factor. The impact of conflict actually depends on its nature. On the one hand, well-managed conflict can improve the quality of decisions, encourage active involvement in discussions, and strengthen group cohesion. However, on the other hand, conflict can also drain members' energy, disrupt productivity, and cause hostility that hinders collaboration. Abstract and Keywords must be written in English, in italic style, and contain a brief description of the research background, objectives, methods, findings, and implications. The abstract is written in one paragraph with a single space (maximum 200 words), without any reference or formula.

The development of Micro, Small and Medium Enterprises (MSMEs) has a strategic role in improving community welfare, especially in rural areas. This research aims to analyze the strengths, weaknesses, opportunities and threats (SWOT) faced by coconut processing MSMEs in Gesikharjo Village, Palang District. Data was collected through in-depth interviews with MSME actors, field observations, and document analysis. The research results show that the main strengths of these MSMEs are the availability of local raw materials and community support. However, weaknesses such as technological and management limitations are still challenges. Opportunities such as increasing demand for processed coconut products in local and national markets provide bright prospects, although threats such as price competition and global market fluctuations still need to be watched out for. Research recommendations include strengthening the managerial capacity of MSME players, product innovation, and collaboration with the government and private sector to create a sustainable business ecosystem.

Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, this article shows that FinTech has driven significant changes in financial access and interactions, especially for those in remote areas or without access to traditional financial services. Although FinTech offers many advantages, such as efficiency and ease of transactions, challenges such as limited access to technology and security risks still need to be overcome. Adaptive regulations and collaboration with traditional financial institutions are needed to maximize the potential of FinTech in supporting financial inclusion and sustainable economic development in Indonesia.

This research aims to investigate how technological innovation influences economic transformation at the regional level, with a specific focus on the role of entrepreneurship in the economic development process. The methodology involves surveys conducted within local entrepreneurial sectors and the implementation of cutting-edge technology across various economic regions. The findings indicate that the adoption of technological innovations, combined with a strong entrepreneurial presence, has a positive impact on enhancing regional economic competitiveness, expanding employment opportunities, and significantly driving sustainable economic growth. This underscores the importance of collaboration between technological innovation and the role of entrepreneurship in designing effective strategies for local economic development.

By exploring international cooperation between Indonesia, Thailand and Malaysia in the use of local currency through the Local Currency Settlement (LCS) framework, this research details the deeper context regarding concerns regarding dependence on the US Dollar after the 2016-2017 financial crisis. with an emphasis on the development of the use of local currencies after the Asian crisis of 1997-1998. This research reveals that one of the main criteria for establishing an optimal currency area (OCA) is exchange rate stability. In looking at the research results, a positive evolution of the use of local currencies in post-crisis ASEAN cooperation is illustrated, especially through the LCS initiative involving Indonesia, Thailand and Malaysia. Although LCS implementation trends show positivity, further improvement is identified as an urgent need to bring it in line with total trade between countries. Hope lies in the LCS collaboration which is expected to strengthen currency stability, spur economic growth and increase trade activity in the region. Thus, this research provides valuable insight into the urgency of regional cooperation in managing dependence on global currencies, especially the US Dollar.

In the ever-evolving digital era, disruption challenges face Micro, Small, and Medium Enterprises (MSMEs), including STIE Ganesha students who are preparing to enter the business world. This research explores management strategies that can help MSMEs face disruption in the digital era. Using a qualitative approach, this research aims to identify disruption trends, challenges faced, and effective management strategies. The research was conducted over six months, involving in-depth interviews with MSME owners who have experienced digital disruption. Data analysis used a qualitative approach by formulating patterns of findings that emerged from the interviews. The results showed that the strategy of STIE Ganesha students in facing disruption is the adoption of MSME digital technology, understanding of data and analytics, continuous innovation, focus on customer experience, collaboration and partnerships, increasing cyber security, increasing human resource capacity, flexibility and adaptability of creative marketing understanding of business legal aspects. The implication of this research is to provide practical guidance for STIE Ganesha students who will later run or support MSMEs. Research limitations include limitations in the number of samples and focus on local cases.