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This study examines the effect of digital banking transformation on financial inclusion in emerging economies, using Indonesia as a case study. Digital banking transformation refers to the technological development of banking services, including accessibility, transaction speed, system security, service integration, and the availability of user-relevant financial features. Financial inclusion is defined as individuals’ ability to access, use, and benefit from formal financial services in an easy, secure, affordable, and sustainable way. This research employs a quantitative explanatory design. Data were collected through structured questionnaires distributed to users of mobile banking, internet banking, digital bank applications, and digital payment services in Indonesia. Respondents were selected using purposive sampling with criteria of being at least 17 years old, residing in Indonesia, and having used digital banking services within the last six months. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that digital banking transformation has a positive and significant effect on financial inclusion, with a path coefficient of 0.684, a t-value of 14.276, and a p-value of 0.000. The R-square value of 0.468 shows that 46.8% of the variance in financial inclusion is explained by digital banking transformation. These findings suggest that digital banking expands access to financial services, increases usage of formal financial products, and reduces barriers related to distance and cost. However, its effectiveness still depends on digital literacy, security, trust, infrastructure, and consumer protection. The study implies that banks and regulators should strengthen inclusive, secure, and affordable digital financial services for underserved communities.

This study aims to analyze the implementation of public service ethics by front office officers at the Public Service Mall (Mall Pelayanan Publik/MPP) of Samarinda City and its impact on the image of government institutions. As the frontline of public service delivery, front office personnel play a strategic role in shaping public perceptions and fostering public trust in government services. This research employed a qualitative descriptive approach, utilizing in-depth interviews with a functional licensing officer at the Department of Investment and One-Stop Integrated Services (DPMPTSP) of Samarinda City, supported by direct field observations. The findings reveal that the implementation of service ethics at the Samarinda MPP is guided by the principles outlined in Law No. 25 of 2009 on Public Services and the Minister of Administrative and Bureaucratic Reform Regulation No. 15 of 2014 concerning Service Standards. These regulations emphasize the values of integrity, professionalism, accountability, responsiveness, and inclusiveness in service delivery. Furthermore, effective coordination among service tenants, continuous improvement of employee competencies, and adaptation to digital systems such as the Online Single Submission (OSS) platform have contributed significantly to maintaining service quality. The study concludes that the consistent application of public service ethics enhances citizen satisfaction, strengthens public trust, and positively influences the image of government institutions in the community.  

Government procurement plays a strategic role in supporting effective, efficient, transparent, and accountable public administration. To promote procurement reform, the government has implemented an electronic procurement system through the Electronic Procurement Service (LPSE). The implementation of the Electronic Procurement System (SPSE) in Pematang Siantar City aims to improve procurement quality, reduce irregularities, and accelerate the delivery of goods and services. However, several challenges persist, including limited human resources capable of operating the system, technical disruptions, lack of outreach to local vendors, and weak coordination between the Procurement Unit (UKPBJ) and related agencies. This study aims to analyze the effectiveness of SPSE implementation in Pematang Siantar City. The research uses a descriptive qualitative approach. Data were collected through interviews with UKPBJ officials and procurement officers from several local government units, direct observation of procurement activities via SPSE, and documentation review. Data analysis employed Duncan’s effectiveness indicators: goal attainment, integration, and adaptation. The results show that SPSE implementation has not been fully effective. In terms of goal attainment, procurement processes follow established procedures, but delays still occur due to system disruptions and limited user competence. In terms of integration, coordination between UKPBJ and technical units remains suboptimal, affecting communication and oversight. Regarding adaptation, although the information technology infrastructure is adequate, human resource capacity is still limited. Therefore, improving human resources, strengthening coordination, and enhancing system reliability are necessary to achieve optimal effectiveness.

The International Community Service Seminar on the Application of Artificial Intelligence (AI) for students of SMA Muhammadiyah Program Khusus Kotabarat Surakarta was conducted to enhance digital literacy and provide practical understanding of AI utilization in daily life and learning activities. The program aimed to introduce basic concepts of artificial intelligence, its functions, benefits, and challenges in modern education. Through presentations, interactive discussions, and quizzes, participants were exposed to real-life applications of AI such as digital assistants, personalized learning systems, and time management tools. The seminar involved participants from Indonesia and Malaysia, creating a cross-cultural learning environment that enriched the discussion. Both students and teachers gained improved understanding of how AI can support adaptive and effective learning processes. The activity highlighted the importance of responsible technology use in education. Integrating AI into learning environments was found to improve creativity, efficiency, and engagement among participants while also supporting teachers in administrative and instructional tasks.

The management of Uninhabitable Houses (Rumah Tidak Layak Huni/RTLH) in Sikka Regency faces a critical challenge due to the high number of inadequate housing units distributed across both urban and rural areas with complex geographical characteristics. The primary obstacle to effective policy implementation stems from the limited capacity of local government interventions in improving housing quality on a sustainable basis, which is largely caused by poor-quality housing data and the absence of an integrated single-data information system. This policy paper aims to formulate an acceleration strategy for addressing RTLH through the reform of data governance that is accurate, efficient, and accountable. Using Eugene Bardach’s (2012) policy analysis framework to evaluate alternative solutions based on technical feasibility, economic viability, political acceptability, and administrative operability, this study identifies the transformation of intervention mechanisms based on the National Integrated Socio-Economic Data (Data Tunggal Sosial Ekonomi Nasional/DTSEN) as the most appropriate policy option. To ensure long-term sustainability, the paper recommends a Phased Convergence Strategy, whereby data cleansing and matching processes based on DTSEN are implemented at the upstream level and subsequently integrated into the “One Data RTLH Sikka” digital platform in the medium term. This operational strategy is further strengthened through the enactment of a Regent Regulation (Peraturan Bupati) on Data Governance and the Mechanism for Determining Eligible Beneficiaries of Decent Housing Assistance, providing a legally binding framework for policy implementation. By positioning village and urban ward governments as the frontline actors in conducting by-name-by-address (BNBA) field verification, the policy minimizes the risks of inclusion and exclusion errors, eliminates budget overlaps, and optimizes local innovative programs such as the TERKASIH House Assistance Scheme (Terima Kunci Siap Huni – “Receiving the Key to a Ready-to-Occupy House”). The implementation of these recommendations is expected to promote data-driven governance that accelerates the reduction of extreme poverty and enhances the effectiveness of housing assistance programs in Sikka Regency.

This study aims to analyze the implementation of educational marketing management in increasing the interest of new students at MTs Negeri 3 Bekasi City, with a focus on the application of the POAC management functions (Planning, Organizing, Actuating, Controlling). The study employs a descriptive qualitative approach using a case study design. Primary data were obtained through observation and in-depth interviews with the Madrasah Principal and the Vice Principal for Student Affairs, who serves as the Chair of the PMBM Committee, while secondary data were sourced from relevant journals and literature. The research results indicate that marketing planning was carried out systematically through the formation of the PMBM committee, academic, religious, and Quranic literacy selection processes, as well as the utilization of digital and print media. Organization involved all school components in a structured manner, while promotional activities highlighted students’ academic, non-academic, and moral achievements through social media and word of mouth. This strategy proved effective, as evidenced by the number of applicants far exceeding the admission quota. However, implementation still faces challenges related to funding, limited land availability, and public perceptions regarding the difficulty of the selection process, which are addressed through routine evaluations and collaboration with government agencies.

Village governance plays an important role in supporting the effectiveness of development planning and improving community welfare. This study aims to analyze financial management governance and the process of preparing the Village Revenue and Expenditure Budget (APBKal) in Kalurahan Poncosari, Bantul Regency, for the 2025 fiscal year. This research employs a qualitative approach using a case study method, involving in-depth interviews with key informants and documentation analysis of relevant regulations and financial reports. The results show that financial management in Kalurahan Poncosari has been implemented systematically through the stages of planning, implementation, administration, reporting, and accountability in accordance with applicable regulations. The planning process is conducted in a participatory manner through tiered community deliberations, such as hamlet-level deliberations and village development planning deliberations, involving residents. In addition, the use of digital systems such as E-RAB and Siskeudes supports transparency and administrative order. However, challenges remain, including limited budget flexibility due to mandatory programs from central and regional governments, limited human resource capacity, and shifts in community participation patterns. In conclusion, the governance of APBKal in Kalurahan Poncosari demonstrates compliance and accountability; however, improvements in administrative capacity and fiscal flexibility are needed to better respond to community needs.

This research aims to develop a web-based Attendance Monitoring System for CPNS Latsar Training Participants using the Laravel and Filament framework at the University of Jambi. The research method used is Research and Development (R&D) with the Software Development Life Cycle (SDLC) Waterfall model, which includes the stages of needs analysis, design, Implementation, Testing, and Maintenance of the system. The results of the study show that the system successfully runs digital attendance features, real-time monitoring, and generates automatic reports with a test success rate of 100%. In addition, the results of the User Acceptance Testing (UAT) obtained a feasibility score of 92.8% in the category of "Very Feasible". These findings confirm that the developed system is able to help the attendance administration process, improve the ease of monitoring participants, and support the management of attendance data in a more structured and efficient manner. Thus, this web-based monitoring system can be an innovative solution in supporting the effectiveness of the Implementation of CPNS Latsar Training within the University of Jambi.

Stunting remains a major public health challenge in Indonesia, requiring systematic early detection and community-based interventions. This community service activity aimed to implement early stunting detection through parental health education and anthropometric measurements of children under five at Posyandu Pasir Putih, Kelurahan Baurung, Kecamatan Banggae Timur, Kabupaten Majene, West Sulawesi. A participatory approach was used, combining interactive health education sessions with standardized anthropometric screening (weight, height/length, mid-upper arm circumference, and head circumference) for 35 toddlers aged 0–59 months. Parental knowledge was assessed using pre-test and post-test questionnaires administered to 38 parents. Results showed a significant increase in parental knowledge, from a mean pre-test score of 52.4 (poor category) to 81.6 (good category) on post-test. Anthropometric assessment revealed that 13 out of 35 toddlers (37.1%) were identified as stunted (25.7% stunted; 11.4% severely stunted). All identified cases were referred to the local health center (Puskesmas) for specific nutritional interventions including supplementary feeding and intensive nutrition counseling. These findings indicate that integrated anthropometric screening combined with targeted parental education is an effective strategy for early stunting identification at the community level. Posyandu plays a crucial role as a platform for translating anthropometric data into meaningful risk communication and promoting sustained community engagement in child growth monitoring

Micro, Small, and Medium Enterprises (MSMEs) increasingly rely on e-commerce applications to enhance business performance and broaden market access. Nevertheless, the effectiveness of such applications is strongly determined by their usability, which reflects how easily users can interact with the system. This study aims to evaluate the usability of an MSME e-commerce application using the System Usability Scale (SUS) method. A quantitative descriptive approach was applied by distributing SUS questionnaires to 30 respondents who had previously used the application. The instrument consisted of 10 standard SUS statements measured using a five-point Likert scale. Data were analyzed by calculating individual SUS scores and determining the overall average score. Based on the randomized respondent data, the application achieved an average SUS score of 80,25. This score is categorized as Excellent and acceptable. These findings indicate that the MSME e-commerce application has a very good usability level and is well accepted by users. Therefore, the application has strong potential to support MSME digitalization and improve online transaction effectiveness.

This study investigates the effect of total risk on firm performance and sustained growth among consumer non-cyclicals manufacturing companies listed on the Indonesia Stock Exchange (IDX) over the period 2019–2023. Total risk is operationalized through the systematic risk proxy (Beta/β), estimated via the Capital Asset Pricing Model (CAPM) framework as the covariance between individual stock returns and the market return divided by the variance of market returns, using the Jakarta Composite Index (JCI) as the market benchmark. Firm performance is measured through Return on Assets (ROA), Return on Equity (ROE), and Tobin’s Q, while sustained growth is operationalized following Gerson et al. (2025) as SG = b × ROE, where b denotes the earnings retention ratio. Panel data regression analysis is applied to 225 firm-year observations drawn from 45 companies, with model selection guided by the Chow and Hausman specification tests. The Fixed Effect Model (FEM) is adopted for ROA, ROE, and SG, while the Random Effect Model (REM) is applied for Tobin’s Q. Results indicate that systematic risk exerts a significant negative effect on ROA (β = −0.312; p < 0.01) and ROE (β = −0.278; p < 0.01), but is statistically non-significant for Tobin’s Q, suggesting that capital market pricing in Indonesia does not fully incorporate systematic risk information. Critically, systematic risk exerts the largest and most significant negative effect on sustained growth (β = −0.347; p < 0.01), revealing a dual transmission mechanism through which risk suppresses ROE while simultaneously inducing more conservative dividend policies, both of which constrain long-run growth sustainability. These findings carry important implications for corporate risk management strategy and empirically enrich the literature on risk, performance, and growth in emerging capital markets.

This study aims to analyze the implementation of legal responsibility by goat farmers in managing waste from Etawa goat farming based on a circular economy model at Nusantara Farm, Sidoarjo. The study employs both normative juridical and empirical juridical approaches, with data collection techniques including literature review, interviews, and field observations.The results indicate that waste management is carried out through direct utilization, such as using livestock manure as organic fertilizer, selling waste, and distributing it to the surrounding community. These practices demonstrate that waste is not disposed of carelessly but rather reused, thereby creating economic and functional value.From a legal perspective, this condition reflects the fulfillment of the farmers' responsibilities in accordance with applicable laws and regulations, particularly in efforts to prevent environmental pollution. Furthermore, these waste management practices partially embody the principles of the circular economy, especially in terms of reuse.However, the current waste management practices remain conventional and are not yet optimally integrated. Therefore, there is a need to develop a waste management model based on an integrated closed-loop system to enhance the economic value of waste while ensuring more effective environmental sustainability.

The increasing demand for electrical energy in military education facilities necessitates an efficient, reliable, and sustainable energy solution. This research aims to design a Solar Power Plant (PLTS) system to meet the street lighting needs in the Wangi-Wangi Complex of the Indonesian Naval Academy (AAL). The research method used is quantitative descriptive with an engineering design approach thru the stages of site survey, collection of solar energy potential data in the Surabaya area, calculation of electricity energy needs, calculation of solar panel capacity, calculation of battery capacity, and design of battery connection configuration. The research results show that the energy requirement for street lighting is 1,920 Wh/day, sourced from 8 units of 20 Watt LED lamps with an operating time of 12 hours per day. Based on the average solar radiation potential in Surabaya of 5 kWh/m²/day, the designed system requires 3 units of 200 Wp monocrystalline solar panels with a total area of approximately 4.89 m². For energy storage, 4 units of Yuasa N200 12 V 200 Ah batteries are used, configured in a series-parallel arrangement, capable of providing an effective energy of around 3,600 Wh with an estimated operating time of 22.5 hours. The research results indicate that the proposed solar power plant design is feasible to implement as an environmentally friendly, efficient alternative energy source that supports the green defense concept in the AAL environment.

Cigarette smoke is a major source of free radicals that can cause various health problems, including disturbances in the male reproductive system. Nicotine and other harmful compounds in cigarettes increase oxidative stress and interfere with spermatogenesis. Gotu Kola (Centella asiatica) is a medicinal plant known for its antioxidant properties that may help neutralize free radicals. This study aimed to determine the effect of Gotu Kola leaf extract on the histopathological features of the testes in male Wistar rats exposed to cigarette smoke. An experimental study using a Post-Test Only Control Group Design was conducted on 24 rats divided into six groups: a normal group, a negative control group exposed to cigarette smoke, a positive control group treated with vitamin E, and three treatment groups receiving Gotu Kola extract at doses of 120, 180, and 240 mg/kg body weight for 28 days. The observed parameters were Leydig cell count and seminiferous tubule diameter. One-way ANOVA analysis showed that Gotu Kola extract significantly increased Leydig cell numbers and seminiferous tubule diameter in all treatment groups compared to the negative control group (p < 0.05). Post hoc analysis demonstrated significant differences in tubule diameter, with the highest improvement observed at the 240 mg/kg body weight dose. These findings indicate that Gotu Kola extract has potential protective effects against testicular damage caused by cigarette smoke exposure.

This article reviews the history and transformation of madrasah management in Indonesia. Emerging in the early twentieth century, madrasahs developed as educational institutions that combined the traditional values of Islamic boarding schools (pesantren) with the organizational structure of modern schools. This study employs a literature review method to examine the evolution of madrasah governance from the colonial era to the reform era. The findings reveal three major stages in the development of madrasah management. The first stage was the early period, during which madrasahs were independently managed by religious leaders and Islamic organizations with limited government involvement. The second stage was the post-independence integration period, characterized by increasing government intervention in curriculum development, institutional regulation, and legal recognition. The third stage was the modernization era, marked by the issuance of the Joint Decree of the Three Ministers in 1975 and the enactment of the National Education System Law of 2003, which strengthened the position of madrasahs within the national education system and placed them on an equal footing with public schools. These developments encouraged madrasahs to adopt Madrasah-Based Management (MBM) as a strategy to improve educational quality, effectiveness, and competitiveness. Overall, the transformation of madrasah management reflects an adaptive process that enables madrasahs to respond to educational reforms and societal changes while maintaining their distinctive Islamic identity and educational mission.  

Hydroponic cultivation of mustard greens (Brassica juncea L.) in greenhouses is an effective alternative for overcoming land limitations, particularly in urban areas. Hydroponic systems enable plants to obtain nutrients optimally through the application of the Nutrient Film Technique (NFT) and Deep Flow Technique (DFT), thereby promoting more efficient plant growth. In addition, the success of hydroponic mustard cultivation is influenced by environmental control, including temperatures ranging from 15–35°C and relative humidity levels of 70–90%. Plant nutrient requirements are supplied through an AB Mix nutrient solution with a pH range of 5.5–6.5 and an electrical conductivity (EC) value of 1.5–3.0 mS/cm. This review aims to analyze various factors affecting the growth of hydroponic mustard greens, including nutrient management, environmental conditions, and biological pest and disease control using beneficial agents such as Trichoderma and Bacillus. Furthermore, this study discusses several technical and economic challenges that may influence cultivation success. The findings indicate that hydroponic systems can significantly improve crop productivity and yield quality, reduce the use of chemical pesticides, and support the implementation of sustainable and environmentally friendly urban agriculture in Indonesia.

This research aims to develop an Android-based boarding house search application that can provide boarding house information quickly, accurately, and easily accessed by the public, especially students and migrant workers. The research employed a Research and Development (R&D) method, encompassing user needs analysis, system design, application development, implementation, and system testing. The application is designed with key features such as searching for boarding houses based on location, price, facilities, and room availability, making it easier for users to make choices based on their needs. Furthermore, the application also provides features for boarding house owners to manage and promote their properties digitally. The application development process was conducted using the Android Studio platform with an integrated database to support real-time information management. System testing was conducted using the Black Box Testing method to ensure all application functions run according to user needs. The results show that the developed application can improve the efficiency of the boarding house search process, accelerate information access, and facilitate boarding house owners in promoting and managing property data. Therefore, this application is expected to be an effective digital solution to support mobile-based housing search services.

The process of creating and verifying employee ID cards at BKPSDMD Jambi City was previously carried out manually, resulting in lengthy processing times, data entry errors, and a high risk of identity forgery. This study aims to design and implement a web-based employee ID card digitalization system integrated with QR Code technology to improve the efficiency, accuracy, and security of employee identity verification. The system was developed using the Waterfall methodology, consisting of requirements analysis, system design, implementation, testing, and maintenance. The application was built using Native PHP, MySQL, HTML, CSS, and JavaScript. Functional testing was conducted using Black Box Testing with 12 test scenarios, while usability evaluation employed the System Usability Scale (SUS) involving 20 respondents. The results indicate that all core system features functioned properly, achieving a 100% success rate on valid test scenarios. Furthermore, the usability evaluation produced an average SUS score of 71.75, which falls into the good and acceptable categories. The implementation successfully accelerated the ID card issuance process, improved data management accuracy, and enhanced identity verification security through QR Code integration directly connected to the employee database. Therefore, the developed system effectively supports digital transformation and improves the efficiency of employee identity management at BKPSDMD Jambi City.

Unpredictable changes in weather conditions have increased the need for real-time weather monitoring systems. This study aims to implement an Internet of Things (IoT)-based adaptive weather monitoring and alarm system by utilizing JSON Web API as a weather data source. This system is built using NodeMCU ESP8266 as the main microcontroller connected to the OpenWeatherMap API service via an internet network. The weather data obtained includes temperature, humidity, and weather conditions which are then displayed on the MAX7219 Matrix monitoring and display website in real-time. In addition, this system is equipped with an adaptive alarm feature that can be controlled through the website so that users can set alarms according to their needs. The research method used is an experimental method with a descriptive approach through the stages of system design, hardware and software implementation, and system testing. Based on the test results, the system successfully displays weather information in real-time and runs automatic alarms according to user settings. With this system, users can obtain weather information and time reminders more effectively, practically, and efficiently.

The rapid development of digital technology has encouraged schools to adapt counseling services to the needs of students in the modern era. This study aimed to analyze the effectiveness of the transformation of guidance and counseling services toward the digital era through a digital counseling audit at SMP N 18 Medan. The study used a descriptive evaluative approach with mixed methods involving guidance counselors and students as research subjects. Data were collected through questionnaires, interviews, observations, and documentation related to digital counseling services. The findings showed that digital counseling services had begun to be implemented through online communication media such as WhatsApp and digital learning materials. Both counselors and students responded positively to the implementation of digital counseling because it was considered more flexible and accessible. However, the audit results indicated that the school was still in the transition category because several aspects such as digital databases, online assessment systems, and integrated counseling platforms had not been fully developed. The study implies that schools need to strengthen digital infrastructure, improve counselor digital competence, and develop more integrated counseling systems to support student needs in the digital era.