Publication Search

The issue of fairness in regional development in Indonesia remains a significant challenge, particularly concerning the disparities between urban and rural areas, Java and outside Java, as well as between the western and eastern regions of Indonesia. This imbalance reflects an uneven distribution of investments influenced by the national political-economic structure. The sectoral development approach has been deemed inadequate in addressing these disparities, making the regional-based approach an alternative option to prioritize development in accordance with local potential. Several regional growth theories, such as the export base theory, resource advantage theory, and neoclassical approach, assert that a region's economic growth heavily depends on the availability of natural resources, labor, capital, and technological innovation. The primary indicator for assessing growth and economic well-being in society is Gross Domestic Product (GDP) The increase in GDP accompanied by a decrease in the unemployment rate serves as an indicator of successful development. Therefore, the strengthening of regional development needs to be accompanied by equitable investment strategies and approaches that are appropriate to local characteristics so that the growth achieved can be inclusive and fair.

Pegadaian Syariah plays an important role in strengthening the people's economy through the provision of financial services in accordance with Sharia principles. This study aims to analyze the pricing and distribution strategies of Pegadaian Syariah products and their impact on the economic growth of the community. The research method uses a qualitative approach based on literature studies and secondary data analysis. The results of the study show that Pegadaian's Sharia pricing strategy pays attention to the principles of justice and affordability, while product distribution is carried out through service digitalization, expansion of branch office networks, and strategic partnerships. The use of these two strategies has proven effective in increasing the accessibility of Pegadaian Syariah services, accelerating financial inclusion, and encouraging the growth and empowerment of micro, small, and medium economies based on Sharia.  

This research uses a qualitative method to examine effective marketing strategies implemented by Islamic banks in enhancing competitiveness in the digital era. Amid increasingly intense competition in the financial industry and rapid technological advancements, Islamic banks are required to adapt and utilize various digital platforms as marketing tools. This study focuses on analyzing digital marketing strategies such as the use of social media, mobile banking, and content marketing to build brand awareness and customer loyalty. Data were collected through in-depth interviews with Islamic banking practitioners and observation of their digital marketing activities. The findings reveal that integrating sharia values with digital technology creates a unique, relevant, and highly competitive marketing approach. Furthermore, the ability of Islamic banks to understand the needs of the millennial and Gen Z generations is a key factor in expanding their market share. Therefore, adaptive, innovative, and value-based marketing strategies are essential foundations for facing the digital era.

Using an econometric approach, this study attempts to assess and quantify how globalisation has affected the economy of developing nations. By boosting cross-border information flows, foreign investment, and international trade, globalisation has become a major force in changing the structure of the world economy. Its consequences on social inequality, wealth distribution, and economic stability are still complicated, particularly for emerging countries. This study examines how the Human Development Index (HDI), a measure of economic welfare, is related to the economic aspects of globalisation, including capital flows, technology, and international monetary policy. Finding correlations between globalisation variables and macroeconomic indicators in developing nations is done quantitatively using econometric methods, and both descriptive and inferential analyses are carried out to give a thorough picture of how globalisation has affected important economic sectors. influence on important economic sectors. According to research, globalisation has two opposing effects: on the one hand, it increases economic growth and efficiency through trade and technical development, while on the other, it makes inequality and reliance on international markets worse. These understandings are essential for creating egalitarian and flexible economic policies that can improve living standards in emerging nations. Additionally, the report suggests national policies to improve domestic sectors and promote sustainable human development in order to lessen the negative consequences of globalisation.

This study aims to analyze the influence of the Islamic financial sector on economic growth in Indonesia during the period 2014–2022. The Islamic financial components examined include Islamic stocks, sukuk (Islamic bonds), Islamic mutual funds, third-party funds from Islamic banking, and assets of Islamic non-bank financial institutions (IKNB). Economic growth is measured using Gross Domestic Product (GDP) as the dependent variable. The analysis employs a quantitative approach using the Vector Error Correction Model (VECM), complemented by Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) to assess both short-term and long-term relationships. The results reveal that Islamic stocks and sukuk have a significant and positive effect on GDP in both the short and long term. Third-party funds from Islamic banks also contribute positively in the long run, although their short-run impact is insignificant. Conversely, Islamic mutual funds and IKNB assets show no statistically significant influence on economic growth. These findings highlight the strategic importance of strengthening Islamic capital market instruments and improving financial intermediation to foster sustainable economic development in Indonesia.

This study examines the application of big data analytics on Bhinneka.com, a leading e-commerce platform in Indonesia, to tackle the increasing in complexity of online user behavior in a swiftly changing digital environment. The primary issue is too challenges in evaluating extensive, unstructured, and heterogeneous user data, which obstructs personalization, marketing efficacy, and operational decision-making. The study seeks to assess the efficacy of big data instruments, specifically Artificial Intelligence Recommendation (AIRec) and Customer Data Platform (CDP), in improving user behavior forecasting. Service customization, and data-informed strategies. This study utilizes a qualitative case study methodology, including literature review and platform observation, to synthesis the many forms of big data analytics (descriptive, diagnostic, predictive, and prescriptive) and their implementation at Bhinneka.com. Significant findings indicate that the integration of AIRec and CDP has augmented the platform’s capacity to predict consumer preferences, improve marketing accuracy, and optimize logistics. However, obstacles stay the same, such as disjointed data systems, data quality concerns, and internal opposition to embracing a data-driven culture. The study suggests that although big data analytics substantially enhances Bhinneka.com’s digital competitiveness, ongoing investment in data infrastructure and organizational competence is crucial to fully harness its potential and preserve a competitive advantage in Indonesia’s e-commerce market.

Digital transformation has become a major force in driving innovation in the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. This research examines the role of technology platforms as a key driver in facing challenges and capitalizing on opportunities in the digital economy era. Through a descriptive qualitative approach, this study analyzes how MSMEs adopt digital platforms such as e-commerce, digital payments, and cloud-based technology to improve operational efficiency, expand market reach, and drive sustainable business growth. The results show that the utilization of technology platforms not only accelerates innovation in products and services, but also increases the competitiveness of MSMEs in the global market. However, technology adoption still faces obstacles such as limited digital literacy, infrastructure, and access to financing. Therefore, support from various parties, including the government, private sector, and educational institutions, is needed to create an inclusive and sustainable digital ecosystem for MSMEs in Indonesia.

The decreasing number of visits is a problem for hospitals. Word of mouth (WOM) advertising plays an important role in business development in the health sector. This study aims to analyze the effect of price perception and patient experience on word of mouth with integrity as an intervening variable in patients at Lanud Manuhua Biak Hospital. The study used a quantitative causality design that analyzed the causal influence along with descriptive analysis using the threebox method. Respondents consisted of 200 hospital patients. The sampling method used purposive sampling. The data analysis method used PLS SEM. The results of the study found that there was a simultaneous effect of price perception and patient experience on word of mouth through integrity mediation. Price perception has a positive effect on word of mouth. Patient experience has a positive effect on word of mouth. Price perception has a positive effect on integrity. Patient experience has a positive effect on integrity. Integrity has a positive effect on word of mouth. Hospitals are expected to improve the quality of services provided in accordance with the prices that have been set, such as adding chairs, providing information about doctors' delays, simplifying the bureaucratic service process, training doctors to be more willing to listen to patients and sincerely serve their patients, shortening waiting hours, adding facilities in the waiting room.

This research uses a qualitative method to explore the role of digital marketing skills in enhancing the competitiveness of Islamic banking institutions in the era of digital transformation. The rapid development of information technology requires financial institutions, including Islamic banks, to adapt to digital-based marketing strategies to remain competitive in the market. Digital marketing skills such as social media management, search engine optimization (SEO), content marketing, and digital data analysis have become essential in effectively reaching customers and building strong brand awareness. This study was conducted through in-depth interviews with Islamic banking practitioners and analysis of documentation related to digital marketing strategies. The findings reveal that mastering digital marketing skills significantly helps Islamic banking institutions expand their market reach, improve customer engagement, and strengthen their competitive position in the financial industry. Moreover, the proper implementation of digital marketing also enhances promotional cost efficiency and encourages product and service innovation based on customer needs. These findings serve as a vital reference in developing more relevant Islamic marketing strategies for the current era.

SPACE Matrix (Strategic Position and Action Evaluation) is a management strategy that assesses the company's competitive position based on four main dimensions, namely two internal factors (Financial Strength and Competitive Advantage) and two external factors (Industry Strength and Environmental Stability This study analyzes the strategic position of Pegadaian Purwokerto with the SPACE Matrix through a qualitative descriptive approach. To provide a complete picture, data were collected from primary and secondary sources. The evaluation results show that Pegadaian has fairly stable financial and industrial strength, as well as relatively stable competitiveness and environmental conditions. Determining the coordinates in the SPACE Matrix places Pegadaian Purwokerto in the aggressive quadrant, which indicates that the company has opportunities and internal strengths to actively develop its business. The recommended strategies include market penetration and market development, with the use of the SWOT matrix as a tool to formulate a comprehensive and effective strategy. These findings provide strategic guidance for Pegadaian Purwokerto in utilizing strengths and opportunities for sustainable growth.

This study employs a qualitative method with a literature review approach to examine how the optimization of marketing skills contributes to enhancing customer loyalty in Islamic banking. Based on a review of various national journals and theoretical references, it was found that personal selling skills, interpersonal communication, understanding of sharia-compliant products, and the ability to build long-term relationships with customers play a significant role in maintaining loyalty. Amidst the competition between digital and conventional banking, Islamic banks are required to prioritize service values aligned with sharia principles and optimize human resource capabilities in delivering educational, solution-oriented, and consistent approaches. Effective marketing skills not only create a positive customer experience but also enhance trust in Islamic financial institutions.

This study aims to explore the extent to which the application of accounting in the musyarakah contract affects the success of micro-business financing. The research was conducted at one of the Islamic Rural Financing Banks (BPRS) in Palembang. A qualitative approach was used to gain a deep understanding of the role of accounting in the implementation of the musyarakah contract, with a focus on the processes of recording, reporting, and financial supervision of micro-financing. The results indicate that the proper application of accounting in the musyarakah contract significantly contributes to the success of the financing. This is reflected in increased transparency, accountability, and the ability of micro-businesses to manage finances more effectively. The study recommends that BPRS intensify accounting support and education for customers to maximize the benefits of musyarakah financing.

This study aims to analyze the legal protection of customers within the Islamic banking system in Indonesia, both normatively and practically. In Islamic economic principles, customer protection is not merely a legal obligation, but a moral and religious responsibility rooted in the values of maqāṣid al-sharī‘ah, particularly in ensuring justice (al-‘adl), trust (tsiqah), and protection of wealth (ḥifẓ al-māl). This research applies a qualitative-descriptive approach through literature review and normative juridical analysis of statutory regulations, DSN-MUI fatwas, and relevant Islamic legal doctrines. The findings indicate that although legal frameworks such as Law No. 21 of 2008, DSN-MUI fatwas, and OJK regulations offer a substantial basis for customer protection, implementation faces several challenges. These include information asymmetry between banks and customers, low Islamic financial literacy, insufficient monitoring of standard contracts, and limited access to Sharia-based dispute resolution mechanisms. Therefore, the study recommends reformulating contract structures, strengthening the role of the Sharia Supervisory Board (DPS), and enhancing public education regarding their rights as Islamic banking customers. Legal protection must be both formally legal and ethically grounded in Islamic justice.

The problem in this research is that several employee performance assessments tend to decline, including service orientation, integrity, discipline and cooperation. The decline in performance is thought to be caused by several things, including a lack of quality of the work environment and job satisfaction that have not been fully met. The aim of this research is to test and analyze the influence of the environment and work motivation on employee performance through job satisfaction as an intervening variable at the Bondowoso District Office, Bondowoso Regency. This research was included in confirmatory research with a population and sample of 115 respondents, a saturated sampling technique was used because the entire population was used as the sample. The data analysis technique used is Structural Equation Modeling (SEM) processed with Smart PLS 4.0. Based on the results of data analysis, it shows that the quality of the work environment has a significant effect on job satisfaction. Work motivation has a significant effect on job satisfaction at the Bondowoso District Office, Bondowoso Regency. The quality of the work environment, work motivation and job satisfaction have a significant effect on employee performance at the Bondowoso District Office, Bondowoso Regency. The quality of the work environment has a significant effect on employee performance through job satisfaction at the Bondowoso District Office, Bondowoso Regency. Work motivation has a significant effect on employee performance through job satisfaction at the Bondowoso District Office, Bondowoso Regency

This study discusses the application of Internet of Things (IoT) technology in the monitoring and control system of smokehouse machines at PT Serena Harsa Utama. IoT enables the integration of sensors to monitor critical parameters such as temperature and humidity in real-time, thereby enhancing production efficiency and product quality. An experimental method was employed to test the effectiveness of the IoT system, with data collection through integrated sensors. The results indicate that IoT implementation can increase production efficiency by up to 30%, reduce human error, and optimize energy consumption. Despite challenges related to initial investment and operator training, the long-term benefits of IoT adoption, such as improved product quality and reduced downtime, make it a promising solution in the food processing industry. This research emphasizes the importance of adopting IoT technology to enhance competitiveness in the modern industry.

This study aims to develop an interactive learning media based on android using a valid and practical smart app creator to improve students' understanding of the SPBI course in the Industrial Automation Engineering Department of SMK Negeri 1 Pariaman. This study uses the Research and Development (R&D) method with the ADDIE model as a guideline in the development process. The results of this study provide evidence that the interactive learning media created falls into the "Valid" category. This is proven based on validation carried out by material experts with a validity value of 87% (0.870) and validation carried out by media experts with a validity value of 92.11% (0.921). Furthermore, a Media Practicality Test was carried out by class XI students of SMK Negeri 1 Pariaman with a practicality value of 91.60% (0.961) falling into the Very Practical category.

Consumer protection in Indonesia is regulated in Law No. 8/1999 on Consumer Protection (UUPK), which emphasizes consumers' basic rights to safe and quality goods. This research focuses on the violation of consumer rights in the “Daun Suji” brand rice oplosan case, which came to light in February 2025. The results show that the oplosan “Daun Suji” rice does not meet the promised premium rice quality standards. This resulted in a violation of consumer rights, specifically Article 4 letters b and c of the Consumer Protection Law. These violations include the right of consumers to choose goods according to exchange value and guarantees, as well as the right to correct and clear information. This fraudulent practice harms consumers who expect quality products at the price paid.

Pancawaskita Counseling is an eclectic approach in guidance and counseling aimed at understanding and assisting individuals by integrating five key factors: Pancasila, Pancadaya, Lirahid (five life domains), Likuladu (five external forces), and Masidu (five internal conditions of individuals). This approach is designed to address challenges in counseling services within a multicultural environment like Indonesia, which is characterized by cultural and social diversity. The techniques used in Pancawaskita Counseling include client acceptance, reflection of content and feelings, as well as specific methods such as lifestyle analysis and role-playing. This study employs a literature review method, which involves collecting data from various reliable sources, reading, taking notes, and analyzing information using a descriptive approach. The purpose of this study is to provide a comprehensive understanding of the concepts, techniques, and procedures in Pancawaskita Counseling and to evaluate its strengths and weaknesses. The findings indicate that Pancawaskita Counseling offers flexibility in adapting counseling methods to clients' needs. However, its application remains limited due to a lack of understanding and minimal development in the field.

The purpose of this study is to examine the principle of good faith , which is a fundamental aspect of corporate governance, which ensures fair treatment for all shareholders, including minority shareholders. This study examines the application of good faith in the third General Meeting of Shareholders (GMS) in relation to the protection of minority shareholders, focusing on Decision Number 389/PDT.P/2019/PN.CKR. This study aims to analyze the court's reasons behind the issuance of the Niet Ontvankelijke Verklaard decision at the third GMS and to evaluate the legal protection mechanisms available to minority shareholders. This study uses a normative juridical approach, by analyzing legal norms and judicial precedents related to corporate governance and shareholder rights. The research findings reveal that minority shareholders often face legal uncertainty and procedural disadvantages in GMS decisions, especially when the principle of good faith is not upheld. The court's rejection of the third GMS application highlights the need for a more comprehensive legal framework to protect the interests of minority shareholders and ensure a fair corporate decision-making process. This study contributes to the corporate governance discourse by emphasizing the importance of procedural fairness and legal certainty in shareholder meetings

Islamic education is not only aimed at transferring knowledge, but also at forming a complete human being through the development of spiritual, intellectual, and moral aspects. Surah Al-Fatihah as the opening of the Qur'an contains educational values ​​that are very relevant to be used as a foundation in forming human awareness of Allah in the educational process. This article examines the concept of Islamic education through three main terms, namely at-tarbiyah, at-ta'lim, and at-ta'dib, and identifies educational values ​​in Surah Al-Fatihah such as the values ​​of faith, worship, sharia, and stories as instruments of character formation. In addition, the discussion focuses on the role of Surah Al-Fatihah in building the spiritual awareness of students and strengthening the vertical relationship with Allah SWT. The results of the study show that Surah Al-Fatihah is not only a ritual reading, but also an integrative and applicable framework of values ​​in Islamic education. By making this Surah the foundation of learning, the educational process can be directed to produce perfect human beings who are not only intellectually intelligent, but also spiritually strong and have noble morals.