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This qualitative research aims to explore the role of Strategic Financial Fluency (SFF) as a catalyst for growth in Micro, Small, and Medium Enterprises (MSMEs). The study employs a multi-method approach integrating literature review, case studies, and expert interviews to construct a comprehensive understanding of SFF and its impact on MSMEs' growth trajectories. Sampling techniques involve purposive sampling of MSMEs representing diverse industries and geographical locations to ensure comprehensive data collection. Data analysis employs thematic analysis, focusing on identifying patterns and themes related to SFF adoption, utilization, and its influence on business growth. The findings reveal that MSMEs equipped with Strategic Financial Fluency demonstrate higher adaptability, resilience, and growth potential. Moreover, SFF facilitates informed decision-making, efficient resource allocation, and strategic planning, thus fostering sustainable growth in MSMEs. This research contributes to the existing literature by highlighting the pivotal role of financial literacy and strategic financial management in enhancing the competitiveness and growth prospects of MSMEs in a dynamic business environment.

This study aims to investigate the significance of financial literacy in empowering Micro, Small, and Medium Enterprises (MSMEs). The research model adopts a qualitative approach to explore the nuanced factors affecting financial literacy among MSME owners and its impact on their businesses. A purposive sampling technique is employed to select participants from diverse MSME sectors. Data is collected through in-depth interviews and focus group discussions. The analysis utilizes thematic coding to identify patterns and themes within the qualitative data. The findings highlight the crucial role of financial literacy in enhancing the resilience and sustainability of MSMEs. Moreover, the study underscores the need for tailored financial education programs targeted at MSME owners to improve their financial management practices and foster business growth in a dynamic economic landscape.

The rapid advancement in information technology has transformed the landscape of accounting, making it increasingly computerized, enhancing efficiency through the automation of routine tasks, enabling real-time access to financial data, and providing more sophisticated data analytics capabilities. However, alongside these benefits, technology also brings challenges related to data security and changing regulations, necessitating accountants to continuously develop their technological skills. Online collaboration between accountants and clients is becoming more common, reflecting the influence of information technology on the evolution of accounting practices. Technological developments also affect Accounting Information Systems (AIS), changing the way data is processed, internal controls are implemented, and financial information is prepared. Despite initial concerns, the advancement of IT ultimately opens up new opportunities, such as computer-based information system audits, computer-based information system consulting, and web trust audits. This is the essence of the impact of information technology on the development of accounting, presenting opportunities and challenges that require adaptation and a strong understanding from accounting professionals in the digital era.

The growth of invasive foreign plants can change the structure and composition of species in the ecosystem, where the growth of native plant species will be unable to compete with invasive foreign plants which will then slowly experience extinction. Invasive alien plants have detrimental impacts on the environment and economy. The open area on campus 2 of UIN Sunan Gunung Djati Bandung is an area that is currently overgrown with various types and types of plants, where apart from plants planted deliberately, there are also invasive plants growing around it. The invasion process does not occur simultaneously or all at once, but rather gradually and begins with the presence of invasive species in an area of ​​land, which then takes over the new habitat or territory. Invasive plants will become more dominant in their growing area with fast growth characteristics and large and densely developed roots. This research aims to identify types of invasive foreign plants, their distribution factors, and the use of invasive plants found in open areas on campus 2 of UIN Sunan Gunung Djati Bandung. The method used in this research is the exploration method combined with the inventory method by observing and taking pictures and then identifying using literature sources. The result was that there were 27 plant species, of which 12 were included in the invasive plant species in Indonesia and the dominant family was the Asteraceae family. Apart from that, this research also examined the use of invasive plants from various literature, one of the plant species studied was Putri Malu (Mimosa pudica L..) has been used as a traditional medicine in healing burns.

This research aims to provide a clear picture regarding the lack of cultural and civic literacy which can reduce the value of national character. Indonesia is a country that has a diversity of cultures, religions, customs and so on. The developments of the times and technology that have occurred have made it easy for foreign culture to enter and be absorbed by society, this has caused quite a few Indonesian people to shift their lifestyle to follow foreign and alien cultures to their own culture. This research uses descriptive qualitative methods by collecting data from library sources. The results show that the implementation of cultural and civic literacy in Indonesia is still relatively low, which can reduce national character values such as religiosity, nationalism, independence, the spirit of mutual cooperation and integrity. Therefore, it is necessary to increase public awareness and the active role of education to increase cultural and civic literacy in order to optimize national character values.

Postpartum discomfort is a nursing problem that is often experienced by mothers in the postpartum period. One of them is caused by breast enggorgement. The symptoms experienced are pain and the mother's breasts harden making it difficult to breastfeed. Breast care intervention for problems of postpartum discomfort ‘caused by breast enggorgement. A case study that aims to describe the application of breast care to clients with nursing problems of postpartum discomfort with breast enggorgement. The number of respondents in this case study research amounted to 2 mothers post second day sectio caesaria surgery. Breast swelling assessment using the Six Point Self-rated Engorgement Scale (SPES) with a score of 1-6. In addition, breast care interventions used standard operating procedures and action observation forms. The results of the case study showed that both patients who performed breast care experienced a decrease in the ix Point Self-rated Engorgement Scale (SPES) score from 4 to 3, with breast criteria still enggogerment but pain level was reduced. Breast milk (ASI) becomes smooth and breastfeeding the baby becomes easier. The implementation of breast care can reduce pain and swelling in the breast.for mother wirh discomfort after birth.

The plastic manufacturing industry in Indonesia has become a much needed industry because consumption power continues to rise. One company in Batam that produces plastic is PT Batam Plastik. As a plastic factory, PT Batam Plastik will add plastic waste that cannot be broken down in Batam City. This article was created to analyze the Corporate Social Responsibility (CSR) program and green human resource management at PT Batam Plastik. This type of qualitative research uses data collection techniques using interview and observation techniques. Based on the results of the analysis that has been carried out, PT Plastik Batam has implemented the Corporate Social Responsibility (CSR) program and environmentally friendly human resource management correctly. This is based on data from interviews conducted where PT Plastik Batam recycles plastic waste into recycled products and has trained its employees on how to recycle plastic and reuse plastic.

This research aims to determine whether the partial influence of Motivation (X1) has on Client Competence (Y), the partial influence of Discipline (X2) on client Competence (Y), the partial influence of commitment on client Competence (Y), and the influence of Motivation ( X1), Discipline (X2), Commitment (X3) simultaneously towards Client Competency (Y) at the Tangerang Class 1 Correctional Center. The population of this research is the clients of the Tangerang Class 1 Correctional Center. The sample taken was 50 respondents using the Non-Probability Sampling technique with an Incidental approach, namely a sampling technique based on chance, that is, anyone who happens to meet the researcher can be used as a sample if they are seen to be suitable, with the help of the Statistical Product and Service Solution (SPSS) version version 20. The results of this study show that there is no influence between Motivation (X1) partially on client Competence (Y). This can be shown by t count (0.945) < from t table (2.011), there is no influence between Discipline (X2) as a whole. partial to client competency (Y) this can be shown by t count (-3.329) < from t table (2.011), there is no influence between Commitment (X3) partially to client competency (Y) this can be shown by t count ( 1.606) < from t table (2.011), and the variables of motivation (X1), discipline (X2), and commitment (X3) of community counselors simultaneously on the competency of correctional clients (Y). This can be shown by the results Fcount > ftable (4,683>2,810),

This research discusses the handling of problematic funding at Bank Syariah Indonesia KCP Sibuhuan. Based on observations in the field, many consumer financing problems, especially for certain products, arise due to various factors. The aim of this research is to find out the strategies used by Bank Syariah Indonesia KCP Sibuhuan in handling problematic financing for consumer products, as well as the factors that cause these problems and the steps that must be taken if these problems arise. Again. The research was conducted using a qualitative methodology, and the findings show that Bank Syariah Indonesia KCP Sibuhuan's approach to overcoming problematic financing in consumer financing products is to develop the company's human resources (HR), providing advice to clients via telephone and face-to-face conversations. visits, and perfecting the company website, all that remains is for the client to submit a Warning Letter (SP), chat with the client, develop a financing restructuring strategy, and finally implement the final handling strategy by selling the client's assets or collateral. Financial problems at Bank Syariah Indonesia KCP Sibuhuan are not caused by internal bank problems, but external factors such as customer lifestyle, layoffs, requests for other financing, unreliable customers, and work at bad companies. If an opportunity arises, problematic consumer goods are being refinanced at Bank Syariah Indonesia KCP Sibuhuan. This is done by assessing the money given, talking to all financial units, and avoiding problems with previous financing.

The COVID-19 pandemic has presented multidimensional challenges for Indonesia, requiring holistic government policies to maintain public health and restore the economy. This journal aims to formulate effective and sustainable government regulatory policies since the pandemic until the present. On the economic recovery side, this policy includes direct financial assistance to workers and MSMEs, as well as ease of financing to encourage economic growth. Increasing investment is a key strategy with the formation of an investment coordination team. Regular monitoring and evaluation will be implemented through a real-time reporting system to ensure policy effectiveness. This research uses quantitative methods with a cross sectional design. The sampling technique in this research is incidental sampling. It is hoped that this journal can become a basis for the government and related stakeholders in formulating policies that are adaptive and responsive to changing pandemic conditions. With joint support, it is hoped that Indonesia can move towards a sustainable and resilient recovery through measurable and well-planned policies.

This article discusses the development of sharia banking in Indonesia, with a focus on the financial performance of PT Bank Syariah Indonesia. After experiencing the financial crisis in 1998 and the global crisis in 2008, Islamic banks continued to exist and showed resilience to the impact of the crisis. In 2015, the government plans to merge three state-owned sharia banks to increase efficiency and encourage sharia economic growth. The purpose of this article is to evaluate the financial performance of Bank Syariah Indonesia based on profitability, liquidity and solvency ratios. The research method uses a quantitative descriptive approach with data analysis from Bank Syariah Indonesia's financial reports for the 2021-2022 period. The research results show good financial performance, with profitability, liquidity and solvency ratios entering the good to very good category. This article contributes to understanding the contribution of Islamic banks to the national economy through financial performance evaluation.

Pancasila as a national ideology implies a religious view of the nation, which upholds the values of God Almighty. This is as determined in the constitution of the Republic of Indonesia, which is stated in Article 29 A paragraph (1) of the 1945 Constitution as a result of the amendment of Chapter XI which states that "The state is based on the Almighty God" so that religious legitimacy is still needed in various aspects of the life of the nation and state, so that it cannot be separated from the Theory of Theocracy which states that the supreme power in a country is God's power which means, no one has supreme power in a country, apart from God. The purpose of this study is to examine and analyse carefully the practice of the nation and state based on divinity in Indonesia in relation to the theory of the formation of theocratic states. The legal research method used is normative juridical legal research method by conducting research on library materials and using statute approach. The result of the research is that the practice of religious life should strengthen and strengthen unity, integrity, and national resilience with Pancasila as the state philosophy and ideology of the nation as a determinant of national integration, a source of ethics for state administration, and continue to clarify and reinforce the role of religion as a state direction in the nation and state.

For Social Welfare Students of the Faculty of Social and Political Sciences, University of North Sumatera, Field Work Practice (PKL) 2 is one of the compulsory courses that aims to implement social welfare theories at the mezzo or macro level. Practitioners carry out PKL 2 at Aliansi Sumut Bersatu (ASB). Practitioners carry out mini projects to educate the types of sexual violence according to Law Number 12 of 2022 on the crime of sexual violence with 12 clients. Practitioners carry out social work mini projects at the mezzo intervention level and groupwork intervention methods using the generalized intervention model stages or general stages of social work consisting of engagement and intake contracts, assessment, planning, intervention, termination and evaluation. This mini project activity shows that clients already know the types of sexual violence according to Law Number 12 of 2022.

In the Constitution of the Republic of Indonesia article 30 paragraph (1) Every citizen is entitled and obliged to participate in the defence and security efforts of the state and paragraph (2) The defence and security efforts of the state are carried out through a universal people's defence and security system by the Indonesian National Army and the Indonesian National Police of the Republic of Indonesia as the main force, and the people as a supporting force. This relates to the development of state security and resilience efforts, one of which is the conscription efforts that have been implemented in several countries such as South Korea and Thailand. But military training in Indonesia is only given to the Indonesian National Army, which in essence is something that is directly related to the profession being undertaken. This study uses a descriptive research method which approaches by collecting literature data and analysed by the author. The results of this study confirm that currently Indonesia does not need conscription because it is not in a state of emergency or war for a long period of time so far.

In recent times, there has been a notable upswing in the economic development of Indonesia. This phenomenon has prompted Small and Medium Enterprises (SMEs) enthusiasts to seek innovative brand marketing strategies to strengthen the visual identity of their brands. Madang Kebab Nusantara is a nascent SME operating in the food industry and is currently in need of a robust brand identity amidst a competitive landscape within the same sector. In my capacity as a graphic designer with a solid educational background, I am entrusted with the responsibility of cultivating creative ideas in visual design, including logos, packaging, and mascots, to establish a professional image for the client's brand. Direct interaction with clients enables me to comprehend the needs of SMEs, articulate concepts, and deliver design solutions that align with the brand's essence, ensuring that the client's brand captures the attention of consumers in the market.

This qualitative study investigates the perspectives of 240 Semester 3 cadets at the Maritime Institute Jakarta (STIP Jakarta) regarding An Operational Approach to Maritime Cyber Resilience. Over three semesters, the research scrutinizes cadets' academic self-checked intelligence, perceived professional competences, motivations, and the interplay between language development and preparedness for global roles. The demographic diversity of the cadet sample, representing majors in Nautical, Technical, and Port and Shipping Management, ensures a comprehensive exploration of maritime education. The findings reveal a positive evolution in cadets' understanding of maritime cyber resilience, with a notable increase in academic self-checked intelligence. The curriculum's effectiveness in cultivating a nuanced comprehension of cyber threats is underscored by the enhanced professional competences perceived by cadets, indicating preparedness for the practical challenges in the maritime industry. Motivations and engagement exhibit a positive trajectory, from initial challenges to sustained interest, indicating the subject's growing relevance over time. The interconnected development of English language proficiency and subject mastery emphasizes the need for targeted language support within maritime education. The positive correlation between improved language fluency and a deeper understanding of maritime cyber resilience suggests the symbiotic relationship between linguistic and technical competence. The study's implications extend beyond STIP Jakarta, offering insights for refining maritime education globally. Recommendations encompass dynamic pedagogical approaches, continual curriculum evaluation, industry collaboration, and language enhancement initiatives. By embracing these recommendations, maritime education programmes can foster a resilient cadre of professionals adept at navigating the complexities of the modern maritime industry.

This qualitative study investigates the perspectives of 240 Semester 3 cadets at the Maritime Institute Jakarta (STIP Jakarta) regarding An Operational Approach to Maritime Cyber Resilience. Over three semesters, the research scrutinizes cadets' academic self-checked intelligence, perceived professional competences, motivations, and the interplay between language development and preparedness for global roles. The demographic diversity of the cadet sample, representing majors in Nautical, Technical, and Port and Shipping Management, ensures a comprehensive exploration of maritime education. The findings reveal a positive evolution in cadets' understanding of maritime cyber resilience, with a notable increase in academic self-checked intelligence. The curriculum's effectiveness in cultivating a nuanced comprehension of cyber threats is underscored by the enhanced professional competences perceived by cadets, indicating preparedness for the practical challenges in the maritime industry. Motivations and engagement exhibit a positive trajectory, from initial challenges to sustained interest, indicating the subject's growing relevance over time. The interconnected development of English language proficiency and subject mastery emphasizes the need for targeted language support within maritime education. The positive correlation between improved language fluency and a deeper understanding of maritime cyber resilience suggests the symbiotic relationship between linguistic and technical competence. The study's implications extend beyond STIP Jakarta, offering insights for refining maritime education globally. Recommendations encompass dynamic pedagogical approaches, continual curriculum evaluation, industry collaboration, and language enhancement initiatives. By embracing these recommendations, maritime education programmes can foster a resilient cadre of professionals adept at navigating the complexities of the modern maritime industry.

The journal "The Role of vulnerable Communities in Building Post-Flood Resilience" explores the complex interactions between indigenous residents who live outside Mangli housing complexes, and housing residents in the Mangli area, the majority of whom are immigrants. Apart from that, this journal also examines the role of communities in building resilience after floods caused by the conversion of agricultural land. This research examines how indigenous people, as a social group, are vulnerable to the risk of flooding due to the impact of converting agricultural land into housing on the indigenous Mangli population. and how vulnerable populations attempt to adapt in modern society which is filled with various social, economic and cultural changes. By focusing on the dynamics of conflict that arise throughout the lives of residents, this journal also analyzes the adaptation strategies used by vulnerable residents in responding to flood and post-flood disasters.

The increasing incidence of sexual violence and bullying against children and adolescents has become a serious social problem that requires active involvement from all elements of society, particularly families. This community service program aims to strengthen the role of the Family Welfare Empowerment (PKK) organization in Rimba Sekampung Sub-district as the frontline in preventing and addressing sexual violence and adolescent bullying. The methods applied include socialization and persuasive educational approaches through counseling sessions, interactive discussions, and case consultations involving PKK members as community partners. The results indicate an improvement in participants’ knowledge, awareness, and social sensitivity regarding the forms, causes, and impacts of sexual violence and bullying among adolescents. Furthermore, the program enhances the capacity of PKK members to foster family resilience and create a safe, harmonious, and value-based family environment to support sustainable child and adolescent protection.

Indonesia is one of the countries that has a fairly high level of natural disaster vulnerability. Mount Sinabung is a strato-type volcano. Administratively, Mount Sinabung is in the Karo Regency, North Sumatra. The eruption of Mount Sinabung has had a very significant physical, psychological and social impact on society. In facing a disaster, survivors need to survive and continue living. The ability to adapt to conditions after experiencing a traumatic event is called resilience. People who lost their homes due to the eruption of Mount Sinabung must be willing to be relocated to new, safer places such as permanent Shelter. Researchers want to see how disaster survivors in the Siosar Permanent Residence respond to being able to recover or recover from their previous situation. The method used in this research is descriptive qualitative with a case study approach. Data collection techniques were carried out using interviews/FGD, observation and documentation studies. The research results show that there are still teenagers who are not yet fully resilient. Researchers found teenagers who have not been able to recover from the problems they faced after the eruption of Mount Sinabung. Therefore, support from various parties or the pentahelix (government, academics, business world, society and mass media) is needed to build sustainable resilience in Siosar Permanent Shelter.