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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 study aims to analyze the superiority of Pegadaian products in competition between Branch Service Units (UPC) using the Competitive Profile Matrix (CPM) technique at UPC Karanglewas and UPC Alun-Alun Purwokerto. The approach used is descriptive qualitative through case studies, with data collection through in-depth interviews, observation, and documentation. CPM analysis is carried out by identifying key success factors such as service quality, product variety, price, promotion, ease of access, company reputation, and digital product innovation. The results of the study show that UPC Karanglewas has a stronger competitive position with a CPM score of 3.65 compared to UPC Alun-Alun Purwokerto which obtained a score of 3.25. The main advantages of UPC Karanglewas lie in a more complete product variety, ease of access, and digital innovation, while UPC Alun-Alun Purwokerto excels in promotion. This study recommends that each UPC strengthen product differentiation, increase digital service innovation, and optimize promotional strategies to strengthen competitiveness in the national pawn.  

MSMEs play a key role in the national economy, especially in increasing economic growth and creating new jobs. However, in the digital era, MSMEs face major problems, such as low levels of digital literacy, limited access to the internet, and fierce competition with large companies that have used technology before. This study examines the variables that influence the sustainability of MSMEs amidst digital challenges and finds methods that can be used so that MSMEs can survive and grow. The research method was carried out through surveys and direct interviews with MSME actors at Pasar Pagi Setia Budi, Medan, North Sumatra. The results of the study showed that most MSME actors did not utilize digital platforms for marketing and transactions, which resulted in decreased income. To increase competitiveness, MSMEs need to improve their digital knowledge, adopt online marketing strategies, and optimize the use of e-commerce and social media. Support from the government, financial institutions, and technology companies is also very important. In the increasingly competitive digital era, by implementing the right digitalization strategy, MSMEs can improve operational efficiency, expand market reach, and maintain the sustainability of their business.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy, contributing 61.07% to Gross Domestic Product (GDP) and absorbing 97% of the workforce. However, this sector still faces various challenges, both from internal factors such as limited capital, human resources, and access to technology, as well as external factors such as a less conducive business climate, inadequate infrastructure, and technological development. This study uses a qualitative method with a literature study approach to analyze the problems faced by MSMEs and find strategic solutions. The results of the study show that government support, optimization of access to financing, and utilization of digital technology are needed to increase the competitiveness of MSMEs so that they can continue to grow and make a greater contribution to national economic growth.

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.

Artificial Intelligence (AI) is increasingly used in financial accounting to improve decision-making effectiveness. This research analyzes the role of AI in supporting data-driven decision making and identifies challenges in its implementation. Using a qualitative approach with the Systematic Literature Review (SLR) method, this study reviewed 41 relevant articles from national and international journals. The results showed that 28 studies supported the effectiveness of AI in improving financial decision-making by automating transaction recording, enabling algorithm-based predictive analysis, and detecting financial anomalies. AI enables companies to respond faster to market changes, increase transparency of financial reports, and reduce human errors in accounting processes.However, 13 studies highlighted challenges such as technological complexity, limited transparency in decision-making, algorithmic bias, and organizational readiness. In addition, evolving regulations are an obstacle to ensuring optimal use of AI while minimizing ethical and legal risks. The success of AI in financial decision-making depends on infrastructure readiness, regulatory support, and human resource competencies. Without a well-planned strategy, AI may pose new challenges that hinder its effectiveness. Therefore, this study provides insights into the optimal AI implementation strategy to ensure that this technology improves the accuracy and transparency of decision making while maintaining financial accounting accountability.

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.

One of the most important instruments in economics is the sharia market which offers alternative investment options in accordance with Islamic sharia principles. The purpose of this study is to explain the concept of the Indonesian sharia market, the mechanisms involved, and the potential and challenges faced during its development. The method used in this study is a literature study using qualitative descriptive analysis, namely analyzing various factors, laws, and current developments related to the sharia market. The findings of this study indicate that the Indonesian sharia market has experienced significant growth due to stricter regulations from the Financial Services Authority (OJK) and the National Sharia Council-Indonesian Ulema Council (DSN-MUI). However, there are still several problems in this market, such as the lack of public understanding of sharia principles and gaps in available sharia products. Nevertheless, the Indonesian sharia capital market has a lot of potential, including the ability to increase public awareness of sharia investment and the various investment products available.

Product packaging is an important element in creating the identity and attractiveness of a product, especially for small and medium enterprises (SMEs). This research aims to develop an online-based packaging design service through the PackDe platform that offers easy access, transparent pricing, and a variety of customizable design options. The methods used include literature study, competitor observation, and social media analysis to understand market needs and current design trends. The results show that PackDe is able to provide functional and aesthetic packaging design solutions, supporting SME product branding effectively. Nevertheless, challenges such as limited human resources and marketing need to be overcome to reach a wider market. The implications of this research show that digital-based packaging design innovation can improve the competitiveness of SME products in national and global markets. PackDe is expected to be a strategic partner for SMEs in creating packaging that is not only visually appealing but also has added value to the packaged product.

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.

Telkomsel is the leading provider of cellular telecommunications services in Indonesia based on market share. At the end of March 2008, Telkomsel had 51.3 million subscribers, which based on industry statistics represents an estimated market share of almost 51%. Telkomsel provides GSM cellular services in Indonesia, nationally via the dual band GSM network 900/1800 MHz and internationally via 288 international roaming partners in 155 countries (at the end of 2007. The aim of this research is to analyze the company's condition by looking at the financial ratios that describe company performance and analysis of the company's optimal capital structure. The data in this research is secondary data originating from the Central Statistics Agency, the Agency for the Application and Assessment of Technology, the Directorate General of Posts and Telecommunications and the Directorate General of Telematics Applications, Department of Communications and Information Technology. Data used in This research is data about the condition of the cellular telecommunications industry in Indonesia which includes expenditure, infrastructure, customers, human resources (labor). Data was taken from company condition reports (annual reports) PT. Telkomsel, PT. Indosat , and PT Excelcomindo for the quarterly period 2005-2008.

This article examines the role of the agricultural sector in efforts to reduce poverty and enhance welfare in developing countries. The primary objective of this research is to analyze the extent to which the agricultural sector can contribute to the improvement of social and economic conditions in these nations. The research method involves the analysis of secondary data from various sources, including agricultural production data, food consumption patterns, and socio-economic and policy factors that influence the agricultural sector. The results of the study indicate that the agricultural sector plays a significant role in reducing poverty and enhancing welfare in developing countries. Firstly, the agricultural sector provides employment opportunities for a significant portion of the rural population, often the most vulnerable to poverty. Consequently, the agricultural sector contributes to increased income and access to economic resources for rural communities. Secondly, the agricultural sector also plays a crucial role in providing sufficient and affordable food for the population in developing countries. This positively impacts nutrition and public health, subsequently affecting the quality of life and overall welfare. By improving productivity and access to food resources, the agricultural sector can help reduce hunger and malnutrition. Thirdly, the agricultural sector has the potential to support national economic growth by supplying raw materials to the food processing and textile industries. This creates additional economic opportunities and enhances the competitiveness of developing countries in the global market.

Teacher performance has the most important position in an effort to improve the quality of learning which will later affect the quality of graduates and will affect the achievement of national education goals. Some of the factors that can influence are self-efficacy and technostress. This study aims to determine the effect of partial and simultaneous technostress and self-efficacy on teacher performance.  The study used quantitative research. Data retrieval techniques with questionnaires. The study population of all teachers who teach at Tapos Sub-District State High School is 100 teachers. The number of samples was determined using the Slovin formula and a sample of 80 people was obtained. Instrument test data analysis techniques use validity and reliability tests, linear regression analysis, classical assumption tests, Determination Coefficient Tests, and Hypothesis Tests with t tests and F tests. These findings are consistent with previous research showing that technostress affects teacher performance and self-efficacy also plays a role in improving teacher performance. In the context of the Covid-19 pandemic and distance learning, these factors have an important role to play in overcoming challenges in improving the quality of learning.

Melikan Village area is part of Pegunungan Sewu area. This area is included in a national protected area and has been part of UNESCO's Global Geopark Network since 2015. As a karst areas, this area has potential natural resources, human resources, and socio-economic-culture. This research has mapped all of these potentials to become the basis for designing the Taman Budaya Banglipuran which is the focus of the development of the Melikan Village area. The approach used in this study is action research which is carried out in three stages. The research phase are: mapping, planning and development. The mapping is digital using Quantum GIS. Planning is carried out with FGD. And development includes area planning with 3D visuals. This research aims to assist the community in developing the Banglipuran area by producing area designs.  

This study aims to analyze the ease of making payments, ability to pay and compliance with making payment of the individual participant National Health Insurance (JKN-KIS) in the BPJS Kesehatan Magelang. This research, it is hoped that it will be able to contribute to BPJS Kesehatan regarding matters and ideas to form a strategy which can increase the collectability of JKN-KIS premium payment contributions, especially for the individual participant segment. This research belongs to the type of quantitative descriptive research. The data used in this study are primary data and secondary data. The data were collected through distributing questionnaires given to 400 individual participants BPJS Kesehatan. The data collection method in this study used a questionnaire using a Likert scale. The data that has been collected through distributing questionnaires, then testing the instrument. Where, the instrument test consists of validity and reliability tests. Researchers in this study took samples using purposive sampling technique, specifically for individual participants BPJS Kesehatan. This research uses quantitative descriptive analysis by calculating the average (mean). The results of the analysis show that the ease of making payments shows the dimensions mean high category in all dimensions, so it can be concluded that the participants are very easy to make contribution payments with the payment mechanisms and procedures and channels provided by BPJS Kesehatan. The results analysis of the ability to pay and the results analysis of compliance with making payments show the dimensions mean value of the low category in all dimensions. That it needs to receive special attention from BPJS Kesehatan so the ability and compliance in paying contributions will increase.

Abstract. National economic development and regional economic development are two very closely related matters. This study aims to analyze the economic structure and specialization of the economic sector so that it can determine the main sectors, groups that are classified as advanced and sectors that are classified as slow and analyze the competitiveness of each sector in North Sumatra Province. This study uses the Shift Share analysis method. The data used in this study is secondary data in the 2017-2021 interval. The data used is secondary data, namely data obtained from records, books and journals in the form of financial reports for company publications, government reports, articles, books such as theories, journals, etc. The results of this study are expected to be an academic foundation for development in the North Sumatra area.