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This study aims to explore the process of digital transformation and innovative strategies adopted by micro, small, and medium enterprises (MSMEs) in the context of the digital economy. The research focuses on understanding how micro MSME actors adopt digital technology, the challenges they face, and the implications for business independence and competitiveness. A qualitative descriptive approach with a single case study design was employed, focusing on one micro culinary MSME in Medan City. Data were collected through in depth interviews, direct observation, and digital documentation, and analyzed using thematic analysis techniques. The findings indicate that the use of social media for marketing purposes has increased business visibility and expanded customer reach at the local level. However, digital transformation remains at an early stage, constrained by limited capital, low digital literacy, and the lack of integrated digital business systems. These results suggest that digital transformation in micro MSMEs is a gradual and context dependent process that requires strong ecosystem support to enhance sustainable business independence and competitiveness. This study contributes to the literature by providing qualitative empirical insights into digital transformation at the micro enterprise level.

This study aims to analyze the implementation of the murabahah bil wakalah contract within Islamic financing institutions by examining procedural compliance, documentation quality, and the effectiveness of internal monitoring. A qualitative approach was applied using in-depth interviews, structured observations, and document analysis involving purposively selected informants. Data were analyzed using thematic analysis supported by data reduction, coding processes, source triangulation, and conclusion drawing. The findings indicate that the implementation of the contract generally aligns with sharia principles, although operational challenges persist, including inconsistent documentation, varied member understanding of wakalah procedures, and limitations in monitoring practices. Verification processes and margin determination have been properly executed, yet administrative governance requires strengthening to ensure alignment between procedural guidelines and real-world practice. The study highlights the importance of increasing sharia literacy and enhancing human resource capacity to improve efficiency and compliance in implementing murabahah bil wakalah within micro-level Islamic financial institutions.

This study aims to analyze the influence of work motivation and work ability on employee job satisfaction at the Department of Marine and Fisheries of Bima Regency. The research employed a quantitative approach with an associative type of study. The population consisted of 67 employees, and a sample of 38 civil servants was selected using a purposive sampling technique. Data were collected through a closed-ended questionnaire using a five-point Likert scale and analyzed using multiple linear regression with SPSS version 26. The validity and reliability tests confirmed that all items were valid and reliable. The results indicate that work motivation has a positive and significant effect on job satisfaction, and work ability also shows a positive and significant impact. Simultaneously, both variables significantly influence job satisfaction with a coefficient of determination (R²) of 0.967, meaning that 96.7% of job satisfaction variation is explained by motivation and work ability. These findings confirm that enhancing employee motivation and competence is a strategic factor in improving job satisfaction and performance in public sector organizations.

Studi ini bertujuan untuk menelaah kinerja produk pembiayaan di BPRS BAS Purwokerto menggunakan pendekatan Matriks Boston Consulting Group (BCG). Produk yang dianalisis meliputi Murabahah, Multijasa, Qardh, Sewa, Mudharabah, dan Musyarakah. Berdasarkan hasil analisis, produk Murabahah dan Multijasa berada pada kuadran Stars, menandakan pangsa pasar besar dan pertumbuhan tinggi. Produk Sewa menempati kuadran Cash Cows dengan pangsa pasar besar namun pertumbuhan rendah. Sementara itu, produk Istishna, Qardh, Mudharabah, dan Musyarakah terletak di kuadran Dogs, yang mengindikasikan mempunyai pangsa pasar terbatas serta laju pertumbuhan yang rendah.. Strategi untuk diusulkan meliputi perluasan pasar untuk Stars, optimalisasi operasional untuk Cash Cows, serta evaluasi dan inovasi produk pada Dogs.

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.

Micro, Small, and Medium Enterprises (UMKM) play a crucial role in the national economy. However, significant challenges such as limited resources, market access, and inadequate managerial capabilities remain obstacles to enhancing competitiveness. Developing managerial capacity through technological innovation has become a strategic solution for UMKM to survive and grow in the digital era. This study aims to analyze the importance of developing managerial capacity in improving UMKM competitiveness through technology adoption. The research method used is a literature review and analysis of secondary data from various relevant sources. The findings indicate that technological innovation in managerial aspects, such as the use of digital systems for marketing, finance, and operations, positively impacts efficiency and competitiveness. Therefore, appropriate strategies are needed to enhance UMKM managerial capacity in adopting technology to compete globally.

This research aims to explore how price and product quality influence purchasing decisions for Y.O.U cosmetics at Panda Lovely Jombang. Given the rapid growth of Indonesia's cosmetics market, Y.O.U has emerged as a local brand offering quality products at competitive prices. Panda Lovely, with its numerous branches across Java Island, is one of Y.O.U’s primary distributors. The study adopts a quantitative approach using associative methods, with data collected through questionnaires from 100 Panda Lovely Jombang customers. Multiple linear regression analysis was employed to examine the relationship between independent variables (price and product quality) and the dependent variable (purchase decisions). The findings reveal that both price and product quality, individually and combined, significantly impact purchasing decisions. Key factors influencing consumer choices include affordability, the alignment of quality with expected benefits, and product durability. This research offers valuable insights for both Panda Lovely managers and Y.O.U producers to refine marketing strategies that cater to consumer needs and preferences.

This article discusses the role of the government and strategies for strengthening the people's economy in empowering Micro, Small, and Medium Enterprises (MSMEs) in Purwokerto, particularly in the context of digitalization. MSMEs play a significant role in the local and national economy but face various challenges that affect their competitiveness. The Banyumas Regency government actively supports digital transformation through training and programs that enhance the digital skills of MSME actors. Additionally, financial literacy is also deemed crucial to help MSME actors manage finances and understand essential business aspects. This article aims to provide an in-depth understanding of the conditions of MSMEs in Purwokerto and the steps that can be taken to enhance their role in the local economy.

Penelitian ini berfokus pada perancangan strategi bisnis AIF Digital Custom Agency menggunakan kerangka Business Model Canvas (BMC) yang disusun berdasarkan analisis SWOT. Kerangka ini memetakan sembilan elemen utama dalam model bisnis untuk menciptakan strategi yang terintegrasi dan responsif terhadap tantangan pasar. Penelitian ini menggunakan metode deskriptif kualitatif untuk mengevaluasi kekuatan, kelemahan, peluang, dan ancaman yang dihadapi oleh AIF Digital Custom Agency. Hasil penelitian menunjukkan bahwa kekuatan utama bisnis ini terletak pada komunikasi yang efektif dengan pelanggan, penggunaan teknologi desain mutakhir seperti Adobe Creative Suite, serta penawaran harga yang kompetitif. Namun, tantangan yang dihadapi meliputi optimalisasi sumber daya dan perluasan penetrasi pasar. Kesimpulan dari penelitian ini adalah bahwa penerapan BMC memungkinkan AIF Digital Custom Agency untuk meningkatkan daya saing melalui optimalisasi operasional dan pengelolaan hubungan pelanggan yang lebih baik. Rekomendasi diberikan untuk memperkuat strategi pemasaran digital dan meningkatkan efisiensi proses internal, guna mendukung pertumbuhan bisnis yang berkelanjutan di industri desain digital custom.

In the rapidly evolving digital era, effective business models are crucial for sustaining competitiveness. This research explores the application of the Business Model Canvas (BMC) to TemplateKuy, a digital platform providing Notion and Spreadsheet templates. The study aims to identify how BMC's nine components—customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structures—can be optimized for business growth and sustainability. A qualitative descriptive method was employed, involving interviews, observations, and SWOT analysis to evaluate TemplateKuy’s strategic positioning. The findings reveal that BMC helps TemplateKuy create tailored strategies that align with market demands, improve operational efficiency, and increase value for its users. However, challenges such as resource limitations and market competition persist. These results offer valuable insights for similar businesses aiming to leverage BMC for strategic planning. The study emphasizes the importance of continuous innovation and customer feedback to maintain relevance in the dynamic digital industry.

This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely. On the other hand, the use of fintech payments is also thought to have an influence on students' financial management behavior. This research uses a quantitative approach with associative methods and purposive sampling techniques, involving 86 students from the class of 2020-2022. Data was collected via questionnaire, then analyzed using multiple linear regression via SPSS-26. The research results show that financial literacy, financial self-efficacy, and payment fintech together have a positive and significant influence on personal financial management, financial literacy has a positive and significant influence, financial self-efficacy has a positive and significant influence, and payment fintech also has an influence positive and significant on students' personal financial management.

This research discusses the implementation of compliance for trade service employees which is being re-implemented for the community in connection with the rise of street vendors in the South Sumatra province. The research method used in this research is a qualitative research method. Qualitative research methods are research methods that prioritize social phenomena and provide evidence that is socially coherent and specific in relation to the cases or phenomena that occur. The problems studied in qualitative research are relatively clearer and easier to understand because case studies prioritize real events that occur in the community. The research results show that the implementation of the level of compliance among trade service employees is still relatively lacking. This is because the trade department is still not specific and active enough to remind the public regarding the trading process within the South Sumatra provincial department which still trades anywhere. The follow-up carried out by the trade service is still relatively in the form of a warning. Apart from that, employees in the area or environment of the South Sumatra provincial trade office are still lacking in implementation regarding the prohibition on carrying out trading actions that can damage public facilities, trade on the street, fill sidewalks and also eliminate the comfort of other people regarding pedestrians.

The novel The Last Shoe tells the story of the life of a father named Pak Marwan. The character Pak Marwan in the novel The Last Shoe is the main character of the story. Mr, Marwan is a shoe craftsman whose name is known as the “father of shoes”. Pak Marwan opened a shoe business and made the name of his village known to many people. This type of research is qualitative research which aims to understand social phenomena, including the phenomenon being studied. The descriptive method of analysis is to describe the facts followed by content analysis. The data in this research is in the form of discourse related to the object of research is the novel The Last Shoe by Toni Tegar Sahidi. The primary data source in this research is the next of the novel The Last Shoe. Data collection techniques use heuristic and hermeneutic reading methods. The results of this research are to find out the characterizations contained in the novel The Last Shoes by Toni Tegar Sahidi, namely responsible, hardworking, business style, and teaching employees to be independent.

Penelitian dan analisi ini bertujuan untuk memperoleh sebuah bukti empiris mengenai pengaruh dari, rasio lancar (current ratio) dan rasio cepat (quick ratio) terhadap harga saham. Penelitian ini menggunakan data sekunder yang bersifat kuantitatif. Teknik yang digunakan dalam penelitian ini adalah teknik sampling, Teknik sampling yang diguunakan adalah tenik sampling jenuh, metode analisis yang digunakan yaitu analisis regresi liinier berganda dengan menggunakan aplikasi SPSS versi 25. Sampel yang digunakan dalam penelitian ini yaitu seluruh populasi yaitu, laporan keuangan PT Aneka Tambang Tbk periode 2015-2022 per triwulan, secara keseluruhan jumlah sampel selama 8 tahun terakhir sebanyak 31 sampel. Hasil penelitian dengan menggunakan pengujian hipotesis menggunakan uji T menunjukkan bahwa Rasio lancar (current ratio) berpengaruh signifikan terhadap harga saham Syariah dan Rasio cepat (quick ratio) tidak berpengaruh signifikan terhadap harga saham Syariah pada PT Aneka Tambang Tbk yang terdaftar di Jakarta Islamic Index Periode 2015-2022.

Pembangunan pedesaan yang dikerjakan haruslah sinkron dengan masalah yang dihadapi, serta partisipasi masyarakatnya dengan menggunakan sumber daya yang di perlukan untuk merancang dan membangun perekonomian yang dimiliki, serta memanfaatkan potensi ekonomi yang ada sehingga bisa lebih meningkatkan kesejahteraan masyarakat. Fenomena yang ada pada desa jatimulyo kecamatan dendang kabupaten tanjung jabung timur yaitu masih banyak program kerja desa yang masih belum terealisasi. Sama sepeti dengan Desa – desa yang lain, Proses Pengelolaan Dana Desa pada Kantor Desa Jati Mulyo terdiri dari 3 Tahap Yaitu Perencanaan, Pelaksanaan dan Pelaporan/Pertanggungjawaban. Program desa yang masih belum terealisasi sebagaimana yang telah dijelaskan diatas, dikarenakan proses pegelolaan manajemen dana desa yang belum maksimal sehingga berdampak dalam proses perencanaan pembangunan desa. Manajemen Pengelolaan Dana Desa dari tahun 2018-2021 sudah menunjukan beberpa  peningkatan di banding dengan tahun sebelumnya akan tetapi masih saja ada program yang belum terealisai. Hal ini dibuktikan masih ada program pembangunan yang belum di laksanakan. Dalam proses pengelolaan Dana Desa pada kantor Desa Jati Mulyo terdir dari tiga tahap yaitu perencanaan, pelaksanaan dan pelaporan/pertanggungjawaban. Tidak terealisasi nya program tersebut dikarenakan proses pengelolaan manajemen dana desa yang belum maksimal. Desa Jati Mulyo belum mencapai indicator diantaranya belum cukup baik akses masyarakat dalam kegiatan ekonomi, akses yang dimaksud ini adalah perkerasan jalan yang belum maksimal sehingga masyarakat masih kesulitan dalam mengeluarkan hasil bertani. Dalam tinjaun manajemen syariah terhadap pengelolaan Dana Desa sendiri bahwasannya pelaksanaan Dana Desa masih belum cukup memenuhi standar nilai-nilai dasar ekonomi islam, disini manajemen pengelolaan Dana Desa masih mengarah ke konvensional. Akan tetapi kalau dilihat dari sifat dari nilai syariah yang rabbani dimana pengawasan internal yang dilakukan dari hati nurani yang bergerak untuk menunjukkan ataupun mewujudkan sesuai tujuan, sudah dilakukan olehaparatur dan masyarakat dalam hal mengawasi pengelolaan Dana Desa baik secara langsung ataupun tidak langsung.

This study aims to examine the effect of profitability, asset structure, liquidity and sales growth on the capital structure of food and beverage subsector manufacturing companies listed on the Indonesia Stock Exchange (1DX). The research time period used was 6 years, 2016-2021. The population of this study includes manufacturing companies in the food and beverage sub-sector listed on the Indonesia Stock Exchange (BEI) for the 2016-2021 period. The sampling technique used purposive sampling. Based on the predetermined criteria, 10 companies were obtained from manufacturing companies in the food and beverage sub-sector. The type of data used is secondary data obtained from the Indonesia Stock Exchange website. The analysis method used is panel data regression analysis using Eviews software version 12.0. The panel data regression model used is the Random Effect Model. In this study, the dependent variable is capital structure (Y) and the independent variable is profitability (X1), asset structure (X2), liquidity (X3), sales growth (X4) and leverage (X5). The results of his research indicate that the independent variables (profitability, asset structure, liquidity, sales growth and operating leverage) have a simultaneous effect on the dependent variable on capital structure. Partially the asset structure and leverage has a positive effect, while profitability, liquidity and sales growth have no effect on the capital structure.    

This study was conducted to examine the effect of Training and Development, Motivation, Competence on the Performance of High School Teachers in Batam City in the mediation of Organizational Commitment. The object of this research uses 3 schools in Batam City, namely SMAN 1 Batam, SMAN 3 Batam and SMAN 5 Batam, with a total population of 160 teachers. Determination of the sample using the Slovin Formula with a Margin Of Error 5% the result is 114 teachers obtained as a sample, data collection by distributing questionnaires through Google Forms in 3 schools and successfully filled out by 131 teachers. This research is quantitative, using Partial Least Square (PLS) for data processing, and the modeling technique used is Structural Equation Model (SEM). This study states that the Variables of Training and Development, Motivation, Competence have a significant positive effect on Organizational Commitment, Variables of Training and Development, Motivation, Competence and Organizational Commitment have a significant positive influence on Teacher Performance, Variables of Organizational Commitment Successfully Mediate the Variables of Training and Development, Motivation , Competence on Teacher Performance.

Abstrak. Investasi dapat mempengaruhi tingkat kemiskinan di suatu negara, investasi juga sebagai salah satu komponen terpenting dari pembangunan ekonomi. Penelitian ini bertujuan untuk mengetahui seberapa besar dampak yang ditimbulkan dari investasi terhadap tingkat kemiskinan di provinsi Banten. Data penelitian ini bersifat time series dimana data ini bersumber pada BPS. Penelitian ini, yang dilakukan dengan metode analisis regresi sederhana. Penanaman modal dalam negeri sebagai variabel independen dan tingkat kemiskinan sebagai variabel dependen. Berdasarkan hasil penelitian, angka kemiskinan di Provinsi Banten dipengaruhi secara signifikan oleh variabel PMDN. Akibatnya, angka kemiskinan di Provinsi Banten akan turun sebagai akibat dari realisasi PMDN ini.