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Islamic microfinance institutions (IMFIs) in Indonesia have experienced notable progress in line with the growing public interest in Islamic economic principles. However, the competition between Islamic and conventional microfinance sectors is becoming increasingly intense. The LKMS BTM Artha Surya Cooperative, located in Tegal Regency, is currently facing pressure due to this competitive environment and must formulate an effective strategy to sustain and grow its business. This study aims to formulate a strategy using the Blue Ocean Strategy framework as an alternative to overcoming business rivalry. A qualitative approach was employed, gathering primary data through interviews and field observations at BTM Artha Surya Tegal, supported by secondary sources from relevant literature. The findings reveal that BTM Artha Surya has undergone transformation into Baitul Tanwil Muhammadiyah (BTM) Artha Surya and now provides various Sharia-compliant financing services. This research further elaborates on the murabahah financing process, including the recognition, measurement, and disclosure practices implemented in the financial statements of BTM Artha Surya Tegal.

This study aims to analyze the economic and social impacts within the environmental context on the sustainability of catfish farming in Basanah Village. Environmental issues such as water quality, land availability, and land-use changes have significantly affected aquaculture practices. Moreover, the social dynamics of the surrounding community, including patterns of cooperation, public perception of catfish farming, and economic impacts on farmers’ income and welfare, are central to the investigation. This research employs a descriptive qualitative approach through field observations, in-depth interviews, and documentation involving local farmers, community leaders, and relevant stakeholders. The findings reveal that economic aspects, such as production cost efficiency and income improvement, are highly dependent on stable environmental conditions and strong social support. Conversely, environmental degradation and weak social participation hinder business development. Therefore, participatory-based policies integrating sustainable environmental management with the strengthening of local socioeconomic capacities are urgently needed. This study offers a significant contribution as a foundation for formulating empowerment strategies for environmentally and socially-based small-scale aquaculture enterprises at the village level.

This paper provides a comprehensive examination of the concept and implementation of skill management as a cohesive set of competencies encompassing technical, interpersonal, conceptual, and strategic skills within organizational and entrepreneurial contexts. The background highlights the critical role of skill management in addressing the challenges posed by a highly competitive and rapidly evolving business environment, where mastery of these competencies determines both individual and organizational effectiveness in planning, organizing, leading, and controlling resources to achieve collective objectives. Grounded in a literature review of seminal works by Robbins & Coulter, Katz, Drucker, Mintzberg, Armstrong, and Barney & Hesterly, this study adopts a structured approach that covers definitions, classification of skill types, their roles in organizations, development strategies, implementation challenges, and applications in entrepreneurship. The findings indicate that: (1) technical, human, and conceptual skills are complementary across different managerial levels; (2) skill development requires a blend of formal education, field practice, mentorship, and technology utilization; (3) primary challenges include technological adaptation, complexity of decision-making, and limitations in training resources; and (4) in entrepreneurial ventures, effective skill management is fundamental to planning, finance, human resources, innovation, and communication. In conclusion, skill management should not be viewed as a static competency but as a strategic asset that must be continuously enhanced through lifelong learning, enabling both individuals and organizations to sustain growth and resilience in the era of globalization and digital transformation.

To achieve optimal funding, an effective marketing strategy is needed for the success of the company. The Boston Consulting Group (BCG) Matrix functions as an analytical tool designed to improve performance through mapping between units based on growth rates and relative market share. This research is a field study with a qualitative descriptive approach. The focus of this study is the daily products of KSP Gunung Slamet Ajibarang Branch. The data collection methods applied by the researcher consist of observation, structured interviews, and documentation. The findings of this study describe the product position and strategies that can be implemented by considering market growth and existing market share. Daily products are in the cash cow category with market growth of 6.66% and a relative market share of around 1.10. Strategies that can be implemented include increasing productivity and quality to ensure competitiveness and provide value to consumers.

Flight delays represent a significant challenge in the aviation industry, affecting passenger satisfaction and trust in airlines. Minister of Transportation Regulation No. 89 of 2015 mandates airlines to provide compensation to passengers experiencing flight delays. Lion Air, as one of the largest airline networks in Indonesia, is expected to effectively implement this policy, particularly at Weda Bay Nickel Airport. This study employs a qualitative approach to gain an in-depth understanding of how Lion Air fulfills its responsibility in compensating passengers. Data were collected through interviews with Lion Air personnel, including check-in staff, technicians, and flight attendants, as well as direct field observations. The research was conducted over a specific period to ensure the collected data is relevant and accurately reflects on-ground conditions. The analysis results indicate that Lion Air has implemented compensation policies in accordance with PM 89 of 2015, providing compensation in the form of beverages, snacks, full meals, and cash payments of up to IDR 300,000, depending on the delay duration. Although the policy has been executed, several key challenges remain, including limited communication with passengers and suboptimal internal division coordination. Passengers often feel inadequately informed during delays, reducing their satisfaction levels. Furthermore, operational constraints such as spare part delays and weather factors also pose challenges in minimizing delay durations.

Inhiven Design is a company that combines graphic design with interior design to provide creative and integrated solutions in various fields such as housing, offices, and commercial. The author's purpose in conducting this study is to analyze the history of the early formation of Inhiven Design? Then what are the problems faced during the establishment of Inhiven Design? And how does Inhiven Design optimize sales in its marketing? The method used in this study is qualitative observation with primary data collection through direct interviews. This study examines the development of Inhiven Design, including the company profile, history of its establishment, and marketing and management strategies implemented. Data were collected through qualitative observation and direct interviews with team members to understand the marketing strategy carried out by Inhiven Design by applying contemporary trends in interior design. The results of the analysis show that the success of Inhiven Design depends not only on technical skills and creativity, but also on the ability to adapt to market changes and maintain good relationships with customers and business partners.

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.

Thesis with the title Jowin Peak Tourism Development Strategy to Increase the Number of Tourist Visits in Tulungagung Regency" written by Yasmin Indra Preswari, Moch. Verry Martin A.S, M Islamic Sharia Tourism Study Program, Department of Management and Business, Faculty of Islamic Economics and Business, Sayyid Ali Rahmatullah Tulungagung State Islamic University who was supervised by Dr. Deny Yudiantoro, S.AP., M.M., The research in this thesis is based on the importance of tourism development strategies because the main reason for tourism development in a tourist destination, whether locally, regionally or nationally in a country, is closely related to the economic development of that region or country. The focus of research in writing this thesis is (1) What is the tourism development strategy to increase tourist visits to the Puncak Jowin Tulungagung tourist attraction? (2) What is the strategy for developing human resources to increase tourist visits to the Puncak Jowin Tulungagung tourist attraction? (3) What is the most effective role of media in reaching and influencing the target audience of tourists, especially in the context of digitalization and developments in information technology? This type of research is field research using a descriptive method approach. In collecting data researchers used the method of observation, interviews, and documentation. Researchers double-checked to obtain the data obtained and used triangulation techniques, with the aim of obtaining data validity. After that, analyzing it through data reduction and making conclusionsng the validity of the data uses source triangulation and technical triangulation. Based on the results of data analysis, it can be concluded that the research results show that (1) tourism development strategies to increase tourist visits to the Puncak Jowin Tulungagung tourist attraction are carried out in various ways, including strategies including adding tourist attractions, developing accessibility, developing amenities, developing public facilities. the role of government. (2) human resource development strategy to increase tourist visits to the Puncak Jowin Tulungagung tourist attraction by implementing a capacity building strategy which includes Human Resource (HR) Development, Strengthening organization, Institutional reform (institutional reform) (3) Media strategy that most effective in reaching and influencing the target audience of tourists, by referring to technical and practical means. by implementing promotions on various social media platforms such as Facebook, Instagram, and Tiktok to influence the audience of data tourists to Puncak Jowim tourism.

Human Resource Management (HRM) is a strategic field that plays a crucial role in achieving organizational goals. HRM is not just about managing people, but also requires knowledge of human behavior and the ability to manage it effectively. The formulation of techniques in HRM must be relevant to the business methodology used by the organization. HRM is not just a science, but also an art in the business world. HRM aims to regulate the relationship and role of manpower to be effective and efficient, so that it can help achieve the goals of the company, employees, and society.

The Covid-19 pandemic has occurred. Since 2019, almost all countries in the world have experienced it. The Indonesian population is experiencing a pandemic that causes millions of people to experience difficulties, one of which is economic factors, namely in paying off debt or murabaha financing at Islamic banks and conventional banks. This is due to a decrease in daily income. If these conditions are not addressed properly, it will result in a decline in the economic growth of a country. This article aims to examine the application of the Qur'an Surah Al Baqarah verse 280 to the gift of restructuring murabahah financing to customers affected by the Covid-19 pandemic. The researcher used the literature review method. In addition, this study also uses a narrative analysis method to describe the reality that occurs in the field and conducts interviews with customers and the Bank. The research study conducted in this article shows that the application of Surah Al Baqarah verse 280 during the Covid-19 pandemic can be a solution to maintain the level of economic growth in Indonesia.

BeAbdurrohim Gresik Orphanage Dusun Bunut, Randegansari, Kec. Driyorejo, Gresik Regency, East Java. The orphanage is a non-profit organization, where the orphanage management has full responsibility in matters of trust. which has been given in terms of running the operations of the orphanage. As a form of public sector non-profit organization, one of the sources of funding for orphanages is in the form of donations from regular donors or incidental donors. This research aims to identify the implementation of the Financial Reports of the BeAdburrahim orphanage when viewed from ISAK 35 regarding non-profit organizations. The research was carried out using primary data, namely interviews and field observations, as well as secondary data in the form of financial reports at orphanages. The type of research that will be used is using a descriptive qualitative method by describing the state of the research object and then comparing it with existing standards.

Banks that carry out their business activities based on sharia principles, or principles of Islamic law, are called sharia banks. As time goes by, Islamic banks are starting to have more Muslim customers. Bank BSI Kc Kualasimpang, for example, has active Muslim customers. Muslims are known to have great interest in Islamic sharia banking. BSI Bank Kc. Kualasimpang operates based on sharia principles and does not provide payment services. Because the data was obtained from direct observations at BSI Kc Kualasimpang, this is a type of field research. This study uses a qualitative methodology. Primary and secondary data were used in this research. Primary data consists of a description of the factors that influence non-Muslim customers. Secondary data consists of books related to the research topic. The author found two components: internal and external factors. The research results show that of the internal and external factors studied, the dominant external factors influencing non-Muslim customers' interest in BSI Kc Kualasimpang are promotion, service, location and social level. Work and motivation are internal factors. The more promotions and services offered by banks to non-Muslim customers, the more likely they will join an Islamic bank.

This research aims to identify and explain the role of leadership in improving employee discipline at PT. Perkebunan Nusantara III Medan. In carrying out this research, researchers used a qualitative descriptive research type. This research uses a special method that aims to explain specific phenomena in depth and data collection techniques are carried out by observation or observation so that researchers immediately go into the field to obtain data that can really be trusted. The results of the study show that the role of leadership has a major influence in increasing employee discipline. Because the leader becomes the most dominant person and has authority, power in all efforts to create employee work discipline.

Purpose – Using a Literature Review, the purpose of this research is to see and discuss the negative impact of emerging digital technology on the mental well-being of employees. Next, this article explores various efforts that can be made to overcome digital stress, both efforts that can be made by companies, leaders and managers, as well as employees themselves. Design/methodology/approach – Directed literature review is carried out to search for relevant sources on Google Scholar to form the basis of research. Findings – Based on these findings, technological advances in the world of work have been proven to be able to increase productivity and provide access to the desired information. However, excessive use of technology can actually have a negative impact on employees' mental health due to digital stress. Therefore, it is necessary to implement measures that can be taken to help overcome this. Originality/value – Apart from conducting a LR analysis of the problems to be discussed, which are limited in the field, this paper also underlines the need for ongoing discussions apart from previous discussions to increase our understanding of the impact of digital stress.

This study aims to determine the relationship between Leadership Style and Work Motivation simultaneously on Employee Performance of the Deputy Secretariat of the Ministry of Tourism and Creative Economy of the Republic of Indonesia which is an agency for the protection of tourism and the creative economy which has the duties and functions of preparing strategic plans, evaluating performance, and establishing cooperation with various related parties to achieving goals and development in the field of tourism. This research method uses a statistical quantitative method and is measured using the Statistical for the Social Science Package (SPSS) Version 23. The sample in this study is a saturated sample of 50 employees of the RI Ministry of Tourism and Creative Economy Deputy Secretariat. through instrument testing using the t test and f test to prove the hypothesis. The results of the study show that the relationship between leadership style and work motivation on employee performance is simultaneously positive and significant. Leaders in the strategic policy deputy secretariat work unit need to maintain work motivation and apply a more effective and appropriate leadership style, so that employee performance will get better.

In this era of globalization, business organizations must continue to improve the level of professional services in their respective fields. The use of PLN Mobile in the customer service department at PLN ULP Medan Baru has the potential to provide significant benefits in improving service quality and customer satisfaction. This application is expected to bring positive changes by providing easy access to information for customers regarding billing, blackouts, and other important information. The purpose of this research is to analyze the customer service and benefits of PLN Mobile at PLN ULP Medan Baru. This study uses a qualitative approach to explore an in-depth understanding of the benefits of using PLN Mobile in the customer service department at PLN ULP Medan Baru. A qualitative approach allows researchers to understand customer perspectives, views, and experiences in depth and contextually. Based on the results of the research and discussion conducted by the researchers, it can be obtained that the customer service and benefits of PLN Mobile at PLN ULP Medan Baru are quite good and very useful for customers at PLN ULP Medan Baru, Medan City to meet their electricity needs, complaints and complaints, however, socialization that has not been evenly distributed has resulted in there being PLN ULP Medan Baru customers who have not used the PLN Mobile application. The five dimensions of customer service used by researchers according to Tjiptono (2014: 18), namely the Tangibility, Reliability, Responsiveness, Assurance, and Empathy dimensions at PLN ULP Medan Baru are quite good.  

This study aims to apply the concepts of ISAK 35 to the field of education. This study aims to determine the implementation of school financial management from the prespective of ISAK 35. This study also uses descriptively presented qualitative data types, uses primary and secondary data sourses, and uses data collection techniques in the form of interview and concluded that SMPN 32 Gresik’s management and financial records remained rudimentary, limited to recording school financial income and expenditure, and did not comply with ISAK 35 financila reporting.

This research was carried out based on data saying that Elzatta in the period from year to year experienced an increase in percentage as the brand with the best quality, it's just that in 2019 it experienced a slight decrease in numbers, this might have been due to the Covid-19 pandemic that hit the Indonesian nation at that time and of course slightly affected the brand process at Elzatta. Thus, based on the results of the initial observations and analysis above, which found a uniqueness in Elzatta using a sharia marketing strategy for their products, the researcher was compelled to describe this phenomenon, namely related to the Islamic marketing strategy implemented by the Elzatta store so that it continues to exist in the face of real world business competition This research uses a type of qualitative research by using data collection methods in the form of observations, interviews, and documentation. The technique of analyzing the data is by filtering the data, presenting the data, and cross-checking the data. While testing the validity of the data is done using triangulation techniques. The results of this study found that: 1. Elzatta's product sharia marketing strategy was carried out with three main strategies, namely: (1) Market segmentation; (2) Targeting and Positioning; and (3) combination strategy which includes: strategy in maintaining the product; price range strategy; strategy in choosing a point of sale; strategy in the field of product promotion; strategy in HR management; strategy in the easy shopping process; strategy in the marketing process through social media. 2. Supporting factors for the sharia marketing strategy for Elzatta products are due to several factors, namely: Maintaining service quality; Understanding customer needs and company needs through SWOT analysis; Neat employee appearance; Responsiveness in helping customers online/offline; Providing supplies/training to employees/SPG; Sensitivity to the development of global business competition. 3. The inhibiting factors for Elzatta's sharia marketing strategy are internal and external factors. Internal reasons, including: capital, promotion constraints in the field. Meanwhile, these external factors include: price competition and the promotion strategy of Elzatta Jambi's competitors.

Developments in the business world are currently increasing rapidly, as seen from the many companies that have sprung up with various fields of development in the current business world. In carrying out its business activities, a company certainly requires various resources. Human resources are one of the resources that exist in a company in addition to other resources such as capital, materials and machines. Companies also need human resources, namely employees. Employees are an important resource for the company, because they have talent, energy and creativity that are needed to achieve company goals (Erwina & Mira, 2019).

The Covid-19 pandemic has had a significant impact around the world, including in the health, social, economic and political fields. Therefore, implementing strategic management is very important in dealing with this pandemic. Strategic management is the process of planning, organizing, controlling, and making decisions in achieving long-term organizational goals. In the context of the Covid-19 pandemic, strategic management must be directed at efforts to minimize the negative impact of the pandemic, while maximizing the potential benefits that can be gained from this situation. The implementation of strategic management in dealing with the Covid-19 pandemic can be done in several ways, among others, the first is Strengthening the health system: The first step in dealing with the Covid-19 pandemic is to strengthen the existing health system. This includes increasing hospital capacity, increasing the availability of medical equipment, and increasing the number of available medical personnel.