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This study aims to evaluate the QRIS management program for new users of Bale by BTN Mobile at Bank BTN KCP Ketintang, especially in the distribution of Surabaya University student identification cards and customer service. The method applied is descriptive qualitative with data collection through interviews, in-depth observations, and documentation. There are four informant subjects related to this research, namely new customers, business people, customer service, and funding parties of Bank BTN KCP Ketintang, selected to obtain an in-depth understanding of the effectiveness of the program. The results showed an increase in the use of QRIS among new users of Bale by BTN. Through the cashback program, customers can use QRIS regularly. However, the use of technology and online systems in this program still faces challenges, especially related to technical problems that often arise in Bale by BTN mobile banking, which can hinder the smooth activation process.

This study aims to analyse the trends and best practices of compulsory motor vehicle insurance in various countries as a lesson for Indonesia. The method used is literature observation with the traditional literature review method of articles published in international journals and practices that have been carried out by several selected countries, namely England, Germany, Kenya, India, Japan, the United States, Malaysia, Singapore and Australia. The results of the analysis show findings that most countries implement a compulsory motor vehicle insurance system. This insurance aims to provide financial protection to accident victims and encourage legal compliance among vehicle owners. Although this policy has provided significant benefits, such as reducing the financial burden on victims and more efficient dispute resolution, challenges such as high premiums, the complexity of the claims process, and uninsured vehicles still need to be overcome. The application of digital technology, including blockchain, is expected to increase transparency and efficiency in the claims process. Thus, this article highlights the importance of continuous improvement in the compulsory insurance system to ensure fair and effective protection for all parties involved. Based on these international practices, several recommendations for Indonesia include: strengthening mandatory insurance regulations, implementing technology in the insurance management system, increasing public insurance literacy, and developing policies that anticipate the emergence of autonomous vehicles. This study highlights the importance of learning from international experiences in developing an effective and sustainable compulsory motor vehicle insurance system in Indonesia.

This research aims to determine the analysis of service quality on customer satisfaction at the Tingkir Type A Terminal, Salatiga City. In this research, the objects taken were service users at the Tingkir Terminal. Data sources include primary and secondary data. The sample in this study was 100 service user respondents at Tingkir Terminal. Data collection was carried out using observation methods, literature studies, interviews, documentation and questionnaires. The data analysis technique is a multiple linear regression technique which is first tested through a questionnaire test (validity and reliability) and classical assumption tests (autocorrelation, heteroscedasticity, multicollinearity, normality). The results of the analysis using the statistical tools of the SPSS V.26 program obtained a multiple linear regression equation: Y = 2,637 + 0,170.X1 + 0,203.X2 + 0,180.X3 + 0,179.X4 + 0,171.X5 + μ. The results of the multiple linear regression equation show that the Tangible Variable (X1) has a tcount of 0.170 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Reability variable (X2) has a tcount of 0.203 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Responsive Variable (X3) has a tcount of 0.180 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The variable Emphaty (X4) has a tcount of 0.179 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Assurance variable (X5) has a tcount of 0.171 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. Based on the results of the study, conclusions can be drawn from multiple linear regression analysis and the distribution of respondents' answers regarding independent variables (Tangible, Reability, Responsive, Emphaty, Assurance) has an influence on the dependent variable (Customer Satisfaction).  

This study aimed to analyze the performance management strategies implemented at the Public Works and Spatial Planning Office of Tanjungpinang City. The research type used was descriptive research with a qualitative approach. Data collection techniques were carried out through observation and interviews. The sample used in this study was purposive sampling, with the informants being human resources supervisors at the relevant office. Data analysis was conducted to identify the strategies applied in performance management. The research findings showed that the Public Works and Spatial Planning Office of Tanjungpinang City had implemented several performance management strategies, such as human resource development, measurement and evaluation, reward and sanction provision, and the implementation of information and technology. However, there were several challenges, such as the lack of quality human resources. This study recommended the need for improvements in the performance evaluation system, ongoing training, and better utilization of information technology. These measures were suggested to support the implementation of more effective performance management strategies.

There are two issues studied in this thesis, namely: the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and the management of Village Unit Cooperatives from a sharia economic perspective. The aim of this research is to determine the management of Village Unit Cooperatives in improving the welfare of members in Lubuk Mandarsah Village, Tebo Regency and to determine the management of Village Unit Cooperatives from a sharia economic perspective. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using an interactive model including data reduction, data display, data verification. From the research results, it can be concluded that: In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, Tebo Regency, 4 (four) cooperative management functions are implemented, namely: planning, organizing, acting, and monitoring. controlling). There are business units such as supermarkets, convenience stores, savings and loans, agricultural production facilities, and the provision of fertilizer which are solutions for the community according to their individual interests. In the management of the Village Unit Cooperative in Lubuk Mandarsah Village, according to an Islamic economic perspective, namely using the principle of shura' (deliberation) in every decision making, and also using the principle of ta'awun (mutual assistance) in the Village Unit Cooperative which has been implemented but equated with the principle of mutual cooperation.

This research explores the impact of digitalization on Micro, Small, and Medium Enterprises (MSMEs) using a systematic literature review (SLR) approach based on the PRISMA method. The data collection process began with the identification of relevant scientific articles using the keywords "digitalization," "MSMEs," and "digital transformation," through leading academic databases, such as Scopus, Google Scholar, and JSTOR. The initial search identified 278 articles, of which 35 met the predetermined inclusion criteria. A thorough analysis of these 35 articles revealed that digitalization plays a pivotal role in fostering innovation within the MSME sector, offering benefits such as enhanced operational efficiency, expanded market access, and strengthened social, economic, and environmental sustainability. However, the implementation of digitalization in MSMEs is encumbered by several challenges, including limited resources, uneven digital infrastructure, and cyber security threats. The study underscores the significance of the government's role in establishing regulatory frameworks, offering financial incentives, and fortifying infrastructure to facilitate the sustainable digital transformation of MSMEs. This research provides strategic insights for policymakers, practitioners, and academics, offering guidance on the successful adoption of digitalization in the MSME sector.

This study aims to analyze the dynamics of working capital, profitability, and capital structure, and their implications for corporate sustainability in the context of effective tax rates. Corporate sustainability has become increasingly important in an era of global competition and stringent regulations. A review of the literature indicates that well-managed working capital can enhance profitability and provide financial flexibility, while an optimal capital structure contributes to the financial stability of the firm. Furthermore, effective tax rates play a crucial role in determining a company's profitability and investment decisions. This research identifies a gap in the existing literature, as few studies integrate these three factors within the framework of sustainability. By employing a comprehensive analytical approach, this study seeks to provide deeper insights into how the dynamics of working capital, profitability, and capital structure interact to support corporate sustainability. The findings are expected to make a significant contribution to financial management practices and sustainable corporate policies.

Focus study This is how forensic audits , internal control , whistleblowing systems , good corporate governance (GCG), and culture organization have an impact on fraud prevention in a organization . Fraud is problem big that can cause loss financial big and destructive reputation company . Research this , based on review comprehensive literature , finding​ that forensic audits are very helpful prevent fraud . Forensic audit use the intended technique For detect fraud . Good internal controls are also important. For build a system that can supervise and manage source Power organization with good , reduce possibility fraud . In addition , the whistleblowing system is considered as tool important For prevent fraud because allows people to report Allegation violation without worry will consequence negative . The study also found that culture strong organization​ can help prevent fraud with create environment work that is moral and transparent . Many studies show that positive culture​ can increase awareness and compliance to policy fraud prevention . As a result , research This suggest that the organization minimize fraud risk with implementing forensic audits , strong internal controls , and a culture of good organization . The result will become more organization​ healthy , transparent and accountable .

ERP software has become an essential tool for managing and organizing vast amounts of data within institutions, especially with the rise of big data concepts. As a relatively new innovation, ERP falls under the umbrella of digital transformations shaping the modern world. These systems, along with their associated applications, offer capabilities that facilitate integration and coordination among departments and processes within organizations. This, in turn, supports better strategic decision-making. Additionally, ERP systems play a crucial role in enhancing production processes and improving customer interaction, provided that the technology and the data it generates are utilized effectively  

This research aims to analyze the communication strategies implemented in strengthening infrastructure in remote areas and the challenges faced in this process. Remote areas often face difficulties in terms of access to information, limited technology, and low community participation in development projects. The research method used is qualitative with a case study approach, involving in-depth interviews, field observations and documentation analysis. The research results show that effective communication strategies include the use of traditional communication channels, language simplification, and community involvement in every stage of the project. Challenges faced include limited access to technology, cultural barriers, and low levels of education, which can be overcome with approaches based on local context and information transparency. This research provides recommendations for increasing the effectiveness of communication in strengthening infrastructure in remote areas, in order to obtain maximum support from the community and ensure project success.

The problem PAM JAYA is the distribution of clean water. This research was conducted to find out how PAM JAYA implements its policies stated in the Special Capital Region of Jakarta Regional Regulation Number 4 of 2021 concerning Changes in the Legal Form of Regional Drinking Water Companies. The research method used is qualitative method. The focus of this research based on the Policy Implementation model proposed by Van Metern Van Horn. The results of research on Standard and Policy Target indicators show that the implementation of PAM Jaya management has been implemented, but the implementation is not optimal. In the Resource indicator, the availability of Human Resources and Financial Resources is adequate. Indicators of the Characteristics of the Implementing Organization, the division of authority and evaluation are quite optimal. In the Implementer's Attitude indicator, the implementers have understood and accepted the policy, but their attitude is still not optimal in responding to complaints. The Inter-Organizational Communication Indicator is considered to be quite optimal because PAM Jaya has optimized communication with relevant stakeholders and the community. Social, Economic and Environmental Condition Indicators are supportive, the rates set by PAM JAYA have been adjusted to the economic level of the community.

This study aims to analyze the role of gender in increasing family economic income in Lopo Village. The research method used is a qualitative approach with the research population being families in the village. Samples were taken using purposive sampling techniques, and data was collected through interviews and observations as well as data from documentation. The research location is located in Lopo Village, Batudaa Pantai District, Gorontalo Regency. The results of the study show that the traditional division of roles between men and women affects access to economic resources, where men play the role of the main breadwinner. Although women have a significant contribution to the management of family finances, their participation in formal economic activities is still limited. This study concludes that women's empowerment through education and employment opportunities can improve family economic welfare. The recommendations given are the need for policies that support women's involvement in economic activities to achieve a better gender balance.

In the legal world, suspect, accused and convict are terms that have meaning. Legal protection is a form of effort to protect society from arbitrary actions by covering several important aspects aimed at ensuring a fair process is obtained. Based on what is stated in Article 1 Number 14 of the Criminal Procedure Code regarding those who are called suspects, Article 1 Number 15 of the Criminal Procedure Code for those who are declared defendants and Article 1 Number 32 of the Criminal Procedure Code regarding those who are declared convicts. This research uses a literature review method by exploring various literature related to the research topic.  

Children with low birth weight have a higher risk of death in the first month of life, experience growth disorders, developmental delays, lower IQ levels, and increase the risk of developing degenerative diseases in old age. This study aims to determine the relationship between ANC visit and the incidence of LBW in Babakan Madang District, Bogor Regency in 2019. The research design used was cross-sectional. This study used secondary data obtained from the PITTA B umbrella research in 2019. The results showed that 5.8% of children experienced LBW in Babakan Madang District in 2019. The proportion of LBW incidence was greater in mothers who did not had an ANC visit (11.6%) compared to mothers who had an ANC visit. (5.6%). The results of the chi-square analysis showed that there was no significant relationship between ANC visit and the incidence of LBW (p = 0.277). The researcher suggested that the Bogor Regency Health Office be able to improve LBW prevention interventions, such as improving the quality of antenatal care, and educating pregnant women about the importance of antenatal care.

The structure of the Windows operating system plays an important role in supporting the operational performance of computers, especially in business environments and professional users. This system is designed with a modular and layered architecture, which includes various components such as Hardware Abstraction Layer (HAL), I/O device manager, virtual memory management, and an integrated security system. Windows also supports energy management and plug-and-play mechanisms, which improve power efficiency and hardware compatibility. This architectural approach allows Windows to optimize interactions between hardware and applications, supports multitasking, and provides an efficient user interface. Thus, the structure of the Windows operating system is able to significantly improve device performance, which leads to optimization of operational performance.

This study examines the role of digital technology in enhancing entrepreneurship in the Era of industry 4.0 through a systematic literature analysis of various sources from 2013 to 2023. By adopting this methodological approach, the research elucidates the benefits, challenges, and solutions associated with the adoption of digital technology for business practitioners, particularly in the micro, small and medium enterprises (MSMEs). The analysis demonstrates that digital technology significantly enhances operational efficiency, productivity, and market reach, while also fostering innovation in business models. However, challenges such as resource limitations, a lack of digital literacy, and the digital divide persist as significant obstacles. Furthermore, the study identifies strategic solutions to mitigate these challenges, including digital literacy training, technology subsidies, and improvements to digital infrastructure. The limitations of this research include a constrained data range from 2013 to 2023 and insufficient exploration of practical dimensions and ethical issues pertaining to the adoption of digital technology. Future research is encouraged to investigate these topics in greater depth, particularly within localized contexts and their implications for business sustainability. These findings underscore the critical role of digital technology as a fundamental enabler for developing competitive and sustainable entrepreneurship in Era 4.0.

This research is motivated by the importance of understanding factors influencing employee performance, particularly at PT Air Minum Bandarmasih (PERSERODA) Banjarmasin. The study aims to analyze the effects of work behavior and workload on employee performance, both partially and simultaneously. This quantitative research employs a survey design with a population of 380 employees and a sample of 79 respondents selected using random sampling based on Slovin's formula. The data were analyzed using validity and reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results reveal that work behavior and workload significantly affect employee performance, both individually and simultaneously. Positive work behavior enhances employee motivation, while a proportional workload supports employees in developing their potential. The implications of this study highlight the importance of organizational management in fostering productive work behavior and effectively managing workload to sustainably improve employee performance.

This study aims to identify obstacles and opportunities in the development of Micro, Small, and Medium Enterprises (MSMEs) in Mojokerto Regency, Indonesia from a macroeconomic perspective. Using the Systematic Literature Review (SLR) method, this study analyzes various literature and secondary data from national and international sources. The research findings show that MSMEs in Mojokerto Regency face several major obstacles, including limited access to financing, lack of digital literacy, inadequate infrastructure, and challenges in improving the quality of human resources. On the other hand, there are significant opportunities for MSME development through the use of digital technology, government policy support, and export market development. From a macroeconomic perspective, the success of MSME development in Mojokerto will not only have an impact on improving the welfare of local communities but can also contribute to regional and national economic growth. Recommendations from this study include increasing access to financing, accelerating the development of digital infrastructure, and strengthening the capacity of MSME actors through entrepreneurship training and technological literacy. By overcoming these obstacles and utilizing existing opportunities, MSMEs in Mojokerto Regency have the potential to become a driving force for a stronger and more sustainable economy.

Iraq needs to correct public finances to achieve stability and rebuild financial reserves, by adopting a program to measure and analyze the current situation and forecast macroeconomic policies to eliminate the imbalance between domestic demand and aggregate supply, which is usually manifested in the problems of the balance of payments, high inflation, and low output growth, and financial programming is an essential tool for managing policies to achieve stability and rebuild financial reserves.Analyze the current situation and forecast macroeconomic policies to address economic imbalances. However, there is a difficulty in applying the financial programming tool because of  the lack  of accurate information systems to estimate the rate of inflation, unemployment, economic growth, exchange rate, balance of payments and the general budget, in addition to irrational fiscal policy that depends on excessive expansion of government spending, with the sovereignty and control of the public sector over the macroeconomy, compared to the weak and weak role of the private sector. As a result of the policies pursued by successive governments and thus constitute weaknesses for the application of financial programming.

Islam entered and spread in Aceh in very fascinating and respectful manner. The previous preachers had created an extraordinary creativity in integrating Islamic teachings with Acehnese culture, making it widely accepted. This research aims to analyze the spiritual values that have merged with Acehnese culture in the Saman Dance, as well as analyze the meaning of the lyrics and movements in the Saman Dance that related to spiritual values. The data for this research was collected through library research using a qualitative approach. The analysis results indicate that the Saman Dance, as an expression of Acehnese culture, has successfully acculturated spiritual Islamic values with the local culture in a harmonious way. This is reflected in the movements and lyrics used in the dance, which convey Islamic spiritual values. The Saman Dance is not only an art form aimed at entertainment, but also serves as a medium to convey Islamic preachings messages.