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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 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.

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.

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.

Social and economic welfare reflects the quality of life in a region and is influenced by local social, economic, and environmental factors. East Java, as the second most populous province in Indonesia, faces challenges in improving the welfare of its residents, particularly due to varying regional characteristics such as employment, education, and population demographics. To understand the patterns of interrelationships among factors affecting welfare, this study conducted a klaster analysis to group regions based on similar characteristics. The klaster analysis employed both hierarchical (complete linkage) and non-hierarchical (K-means) approaches to determine the optimal number of klasters. The results revealed that the level of diversity across regions in East Java tends to be homogeneous in social and economic aspects, with average values exceeding standard deviations. Assumption tests for the klaster analysis confirmed that the data met the assumptions of multivariate normal distribution and dependency.Through hierarchical (complete linkage) and non-hierarchical (K-means) klaster analysis, two main klasters were formed, dividing districts/cities in East Java based on welfare characteristics. Using the complete linkage method, 27 regions were grouped into klaster 1, and 11 regions into klaster 2, while K-means grouped 26 regions into klaster 1 and 12 regions into klaster 2. Out of the six variables used, one variable was found to be insignificant in influencing the klastering results. Based on the mapping results, the grouping aligns with similar criteria, where urban areas predominantly fall into one klaster, and the other klaster is dominated by rural areas.

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.

Implementation of Corporate Environmental Responsibility or CSR (Corporate Social Responsibility) is one of the obligations that must be fulfilled by companies in Indonesia which has been regulated through Article 74 paragraph (1) of Law Number 40 of 2007 concerning Limited Liability Companies (UUPT) as a general implementing regulation. corporate social responsibility/CSR in Indonesia and Government Regulation Number 47 of 2012 concerning Social and Environmental Responsibility of Limited Liability Companies as its implementing regulations.

This research aims to find out how much influence audit risk and work stress have on the motivation of auditors at the Padang City Public Accounting Firm. In this research, the population is all auditors in public accounting offices in Padang City. The population in this study was 92 people consisting of several employees who had different positions/groups in KAP Padang City. The sampling method used was the accidental sampling method. The regression analysis carried out was multiple linear regression analysis. The research results obtained based on the partial test (t test) showed: (a) The audit risk variable has a positive and significant effect on auditor motivation. (b) The work stress variable has a positive and significant effect on auditor motivation. Meanwhile, the simultaneous test of audit risk and work stress has a positive and significant influence on auditor motivation. Auditors may be motivated by the challenge of performing high-quality audits in the face of increased audit risk. These challenges can provide a sense of accomplishment and satisfaction for auditors who successfully navigate risks and complete high-quality audits. The stress faced in challenging work situations can motivate individuals to try harder and challenge themselves. When someone feels that they can overcome or cope with a difficult task, this can increase their motivation to succeed.

Educational supervision is a very important thing to do to improve the quality of education. Teacher performance is a result of work achieved by a teacher in carrying out the tasks assigned to him based on skills, experience, and sincerity as well as time.The research method in this thesis is a descriptive qualitative approach, data collection can use primary data sources and secondary data sources, data collection techniques using observation, interviews, documentation.The results of the study show that the supervisory role of the school principal in improving teacher performance at Nurul Falah Islamic Middle School Mangaran Situbondo is to provide guidance to teachers related to theoretical and practical learning, involve teachers in training, provide opportunities for teachers to take part in various education and training at the cluster or sub-district level regularly, subject teacher deliberations (MGMP), supervising teacher deliberations (MGP), and teacher working groups (KKG), as well as seminar workshop discussions, and provision of learning resources. providing motivation to teachers, collaborating with foundations that oversee the Nurul Falah Islamic Middle School Mangaran Situbondo, school committees, and the community. The motivation of school principals in improving teacher performance at Nurul Falah Islamic Middle School Mangaran Situbondo through regulation of the physical environment, regulation of the work atmosphere, discipline, applying the principles of rewards and punishments.      

This study aims to determine the environmental impact and natural damage from the production activities of the industrial sector grouping the areas of Ngoro District, Mojokerto Regency for public health in managing environmental cases of alleged waste pollution and natural damage in Mojokerto Regency. The method in this study uses a qualitative approach through observational data collection techniques and also uses a Systematic Literature Review (SLR) approach. According to (Kitchenham & Charter, 2007) SLR is the process of identifying, evaluating, and interpreting all research evidence to answer certain research questions. The results showed that grouping industrial production activities had an impact on the provision of jobs and also infrastructure development in Ngoro Subdistrict and also had an impact on the environment such as waste that was disposed of polluting the watershed and causing fish to die due to contamination of the waste content and polluted residents' well water. In handling these impacts, it is expected that industrial companies in Ngoro can carry out routine monitoring and evaluation activities to see developments in environmental and community conditions, in this case the implementation of policies related to handling the impacts of industrial production activities carried out by companies for public health, especially around Ngoro District, Mojokerto Regency.

Employee performance is a description of the level of achievement of the implementation of an activity program or policy to realize the goals, objectives, vision and mission of an organization as outlined in a strategic plan. Punishment or punishment is a form of procedure or action given to individuals or groups for mistakes, violations or crimes that are made in the form of negative reinforcement or suffering in the context of fostering and improving behavior so that it does not happen again. This study aims to determine the effect of work discipline partially on employee performance at PT. Deli Rubber Industry especially in the R1B section. The method in this study used a quantitative approach and the number of samples taken in this study were 104 respondents, the data collection technique in this study used a questionnaire. Data analysis used multiple linear regression tests with the SPSS 25 program, so that research shows that work discipline partially affects employee performance.

Strategi pemasaran Matrik BCG (Boston Consulting Group) digunakan untuk mengetahui tingkat pertumbuhan pasar, dan pangsa pasar relatif. Artikel ilmiah ini berjuan agar pembaca dapat memahami berkaitan dengan Matrik Boston Consulting Group (BCG). BCG matrix adalah matriks yang dirancang oleh grup Boston Consulting pada tahun 1970-an. Ini adalah Matriks yang membantu dalam pengambilan keputusan dan investasi. Ini membagi pasar berdasarkan tingkat pertumbuhan relatif dan pangsa pasarnya dan menghasilkan empat komponen kuadran Cash cow, Stars, Question marks dan Dogs. Produk dapat dikategorikan dalam salah satu kuadran dan strategi untuk produk ini diputuskan dengan tepat. Analisis ini sebenarnya membantu Anda dalam memutuskan entitas mana dalam portofolio bisnis Anda yang benar-benar menguntungkan, mana yang tidak berguna, mana yang harus Anda konsentrasikan dan mana yang memberi Anda keunggulan kompetitif atas yang lain.    

Keputusan pembelian yaitu berupa tahapan yang dilakukan oleh konsumen sebelum melakukan pembelian suatu produk. Produk yang dicarinya serta mengevaluasi alternatif yang paling menguntungkan. pengambilan keputusan merupakan suatu pendekatan yang sistematis terhadap suatu masalah yang dihadapi. Masalah tersebut menyangkut pengetahuan tentang hakikat dari masalah yang dihadapi. Oleh karena itu pengambilan keputusan oleh konsumen didasari pada perbandingan sebagai referensi, peluang dan manfaat serta mudharat yang ada. Masalah yang terjadi terkait kualitas pelayanan adalah banyak pelanggan yang tidak puas dengan kualitas pelayanan yang telah diberikan selama ini kepada para pelanggan. Masalah yang terjadi terkait pekerja adalah pelanggan menilai bahwa sumber daya manusia atau pekerja CV Mars Global Group masih kurang baik. Masalah dalam hal pendekatan diri terhadap para pelanggan sehingga para pelanggan tidak selalu memberikan keputusan untuk membeli produk CV Mars Global Group. Berdasarkan hasil uji SPSS pada data Anova dalam kolom R Square = 0.879, maka seluruh variabel berpengaruh terhadap Variabel Keputusan Pembelian sebesar 87.9% dan sisanya yaitu 12.1% dijelaskan oleh faktor variabel lain seperti harga, promosi, dan citra merek yang tidak diteliti dalam penelitian ini.  

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.