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This study aims to analyze the impact of monetary policy on the purchasing power of society in Indonesia. Using a qualitative approach and secondary data from various official reports, this research examines the mechanism of monetary policy in controlling inflation and maintaining price stability, as well as its effect on the public’s ability to meet consumption needs. The results indicate that effective monetary policy can maintain price stability and preserve purchasing power, despite challenges such as commodity price volatility and exchange rate fluctuations. The study emphasizes the importance of coordination between monetary and fiscal policies as well as transparent communication in policy implementation to support societal welfare..

The purpose of this study is to measure the Influence of Village Fund Allocation and Village Original Income on Village Expenditure in Lompotoo Village, Suwawa Tengah District, Bone Bolango Regency. This study uses a quantitative approach with a survey method and multiple linear regression techniques. All samples in this study were 30 people taken from village officials, BPD, BUMDes and the Community in Lompotoo Village, Suwawa Tengah District, Bone Bolango Regency. The results of the study indicate that the allocation of Village Funds and Village Original Income of this study indicate that the allocation of village funds and village original income have a simultaneous effect on village expenditure in Lompotoo Village, Suwawa Tengah District, Bone Bolango Regency. The contribution of the allocation of village funds and village original income to explain village expenditure is 0.467, which means that the allocation of village funds and village original income contribute 46.7% to village expenditure. The hypothesis can be stated as simultaneously accepted, where the allocation of village funds and village original income together have a positive and significant effect on village expenditure. The less than optimal contribution shows that there are still many other variables that influence village spending in Lompotoo Village, Suwawa Tengah District, Bone Bolango Regency, besides village fund allocation and original village income.

This research uses a descriptive qualitative method with a case study approach to analyze the influence of soft skills and digital marketing skills on the performance of MSMEs in the creative economy era. Theories used in this research include competency theory and organizational performance theory. This study focuses on understanding how interpersonal abilities (soft skills), such as communication, creativity, and leadership, along with digital skills such as the use of social media, e-commerce, and digital branding, can enhance the competitiveness and productivity of MSMEs. The results show that MSME actors with strong soft skills are able to build strong customer relationships and create added value in their products, while digital skills support operational efficiency and broader market reach. The integration of these two skill sets significantly contributes to the improvement of MSME performance, particularly in terms of sales, customer satisfaction, and business growth. Therefore, the development of soft skills and digital skills is a crucial strategy to support the sustainability of MSMEs amid the increasingly dynamic competition in the creative economy.

This research explores the strategic positioning of Pegadaian UPC Ajibarang’s products using the Boston Consulting Group (BCG) matrix as a tool for evaluating market performance and future potential. Pegadaian plays a crucial role as a microfinance institution by offering accessible financial solutions such as gold/jewelry pawning, gold savings (digital and physical), installment-based precious metal purchases, electronic pledging, KUR based on vehicle ownership documents, and Hajj savings plans. The study employs a qualitative descriptive approach, gathering insights from comprehensive interviews with both employees and customers. Findings indicate that each product faces unique obstacles and opportunities. Key challenges include customer dissatisfaction regarding service quality, limited adoption of cashless transactions by elderly clients, and traditional promotional methods relying on brochures and word-of-mouth. By mapping products based on market share and growth prospects through the BCG matrix, the study identifies which offerings should be prioritized for development, stability, or rebranding. In response, it is recommended that Pegadaian UPC Ajibarang enhance its marketing and customer service strategies, broaden digital engagement efforts, and introduce user-friendly technological solutions for older clientele. These steps are essential to strengthen competitiveness and ensure long-term sustainable growth for their most promising financial products.

Economic growth measures the achievement of the development of an economy from one period to the next. Theoretically, government spending allocated for the public interest and public welfare will encourage an increase in per capita income that is getting bigger from year to year. Investment is essentially also the initial step in economic development activities. This study aims to determine the Effect of Development Spending and Investment on Economic Growth in North Sumatra Province. The analysis technique used is data analysis in this study using a descriptive analysis method based on the descriptions that support the analysis. The results of this study indicate that partially the government spending variable has a significant negative effect on economic growth in North Sumatra Province with a significance value of 0.0030.05. Based on the results of the simultaneous test calculation, it is known that both government spending and investment variables simultaneously have a positive and significant effect on economic growth in North Sumatra Province with a significance value of 0.030.

During the globalization age, culturally and ethnically diverse organizations are increasing. To overcome differences and create a harmonious and productive work environment, inclusive leadership is essential. In student organizations, leadership plays an important role in producing effective teams. In the context of the diversity of student organization members of STIE Mahardhika Surabaya, this study attempts to explain how inclusive leadership practices affect team performance. This study conducted a descriptive qualitative study involving observation, documentation, and in-depth interviews and research on two student organizations, UKM Jurnalistik and PMII. The study showed that an open inclusive leadership style in UKM Jurnalistik was able to increase two-way communication, member participation, and a sense of belonging to the organization, which had a positive impact on team performance. Meanwhile, a more structural but still inclusive leadership style in PMII was also able to increase two-way communication, member participation, and a sense of belonging to the organization.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in the Indonesian economy as labor absorbers and drivers of the local economy. However, this sector often faces various challenges such as limited access to financing, infrastructure, and policy support. This study aims to analyze the role of fiscal policy in encouraging the growth of MSMEs in Indonesia. The methods used are literature studies and secondary data analysis from various official sources, including government reports and national statistical data. The results of the study indicate that fiscal policy instruments such as tax incentives, subsidies, and state spending for MSME empowerment programs have a positive impact on increasing MSME productivity and competitiveness. However, the effectiveness of these policies is highly dependent on targeted implementation and synergy between related institutions. Therefore, a more inclusive, transparent, and adaptive fiscal policy formulation is needed to encourage sustainable economic growth

Healthcare professionals are vulnerable to professional burnout and decreased motivation. In addition to these two things, life satisfaction is also an important aspect that needs attention. An important factor that influences professional burnout, employee motivation and life satisfaction is organizational culture. Organizational culture as a value system believed by all members of the organization, which is learned, applied and developed continuously, functions as an adhesive system, and can be used as a reference for behavior in the organization to achieve organizational goals that have been implemented. This study aims to analyze the effect of Organizational Culture on Life Satisfaction through professional burnout, and employee motivation as intervening variables in XXX Hospital. This research method is quantitative explanatory research. The sample in this study were health professionals of XXX Hospital totaling 74 respondents. Data collection using questionnaires and analysis techniques using SEM-PLS through the SmartPls application.The results showed that Organizational Culture directly and indirectly affects life satisfaction through professional burnout, and employee motivation as an intervening variable in health professionals at XXX Hospital. These results in theoretical implications support the theory and previous research. Managerially, it is expected to provide input for XXX Hospital management to strengthen organizational culture. These efforts can help reduce the level of professional burnout, increase employee motivation and ultimately increase the life satisfaction of health professionals. There is an influence of organizational culture on professional burnout, employee motivation and life satisfaction in healthcare professionals at XXX Hospital.

Nurses who have the willingness to do work beyond their obligations due to nurses high commitment to the hospital are an advantage for hospitals to improve performance effectiveness and efficiency, but factors that can create such behavior such as hospital support for nurses, nurse career development and teamwork atmosphere are less considered, making nurses unable to realize citizenship behavior towards the hospital. This study aims to analyze the effect of perceived organizational support, career development, and teamwork on organizational citizenship behavior with organizational commitment as an intervening variable in nurses at Duta Indah Hospital. This research method is quantitative with a cross-sectional approach. The sample in this study were nurses at Duta Indah Hospital totaling 95 respondents. Data collection with questionnaires and analysis techniques with SEM-PLS. The results showed that organizational commitment is able to mediate the effect of perceived organizational support, career development and teamwork on organizational citizenship behavior, perceived organizational support has no significant effect on organizational citizenship behavior, career development has no significant effect on organizational citizenship behavior, teamwork has a positive and significant effect on organizational citizenship behavior, perceived organizational support has a positive and significant effect on organizational commitment, career development has a positive and significant effect on organizational commitment, teamwork has a positive and significant effect on organizational commitment, and organizational commitment has a positive and significant effect on organizational citizenship behavior. Organizational commitment is able to mediate the effect of perceived organizational support, career development and teamwork on organizational citizenship behavior.

This study uses a qualitative method to analyze the dynamics of the business environment within the context of the digital economy, specifically focusing on the impact of platformization on industry competition. Rapid digital technological developments have given rise to various digital platforms that disrupt conventional business models and reshape market structures across multiple sectors. Platforms such as marketplaces, ride-sharing services, and fintech companies have become dominant actors influencing competitive patterns, value distribution, and relationships between large and small enterprises. This research aims to understand how digital platforms affect industry competition through vertical integration, network effects, and data control. The findings reveal that platformization enhances transaction efficiency and market access but also creates imbalances in market power, digital monopolies, and dependency on algorithms. In this context, government regulation and business adaptation strategies are essential to maintaining competitive balance and ensuring the sustainability of the digital ecosystem. The study recommends the adoption of adaptive regulatory approaches and multi-sector collaboration to foster healthy competition in the digital era.    

This study aims to analyze the potential of the region in utilizing the demographic bonus in Aceh Tamiang Regency. The data used in this study is the PDRB data of Aceh Tamiang Regency and Aceh Province in 2019-2023. The data analysis method uses location question (LQ) and shift share analysis. Based on the results of the LQ analysis, it is known that there are 4 (four) business fields that can become leading sectors in Aceh Tamiang Regency and at the same time are the economic base for further development, namely the agriculture, forestry, and fisheries sectors; mining and quarrying; processing industry; and other services. Meanwhile, based on the shift share analysis, it can be seen that the sectors that have a positive impact on the utilization of the demographic bonus in Aceh Tamiang Regency are the wholesale and retail trade sector, car and motorcycle repairs. In addition to providing a good contribution to the utilization of the demographic bonus in Aceh Tamiang Regency and can increase the PDRB of Aceh Province.

The development of the sharia economy in Indonesia demands the existence of a judicial institution capable of resolving disputes in accordance with Islamic legal principles. The Religious Court, through the amendment of Law Number 3 of 2006, has obtained the authority to handle cases in the field of sharia economics, including Islamic banking disputes. However, the implementation of this authority faces various challenges, both in terms of regulation, dualism of authority with general courts, and institutional readiness, such as human resources and infrastructure. This study employs a qualitative method with a normative juridical approach to analyze the legal basis, court practices, and institutional responses in the exercise of this authority. The results of the study indicate that the Religious Court holds great potential as a pillar for upholding sharia economic law but requires reinforcement in various aspects, including improving judges’ competencies, digitalizing the judicial system, and fostering inter-institutional synergy. Moreover, legal protection for justice seekers highly depends on the effectiveness and professionalism of the judicial institution. Therefore, a sustainable strategy is needed to build the institutional capacity of the Religious Court to respond to the dynamics of the sharia economy in a fair, accountable manner and in line with Islamic legal values in Indonesia.

The abstract of this journal explains that Islamic banks operate based on Islamic sharia principles that do not recognize the interest system (riba), and instead prioritize the principles of justice, partnership, and profit sharing. Islamic banks were established as an alternative for people who want a financial system that is in accordance with sharia. In this system, financial transactions must be free from elements of usury, gharar (uncertainty), and maisir (gambling), and prioritize honesty and transparency.

This scientific paper examines various types of contracts and products in Islamic banking based on the principles of Islamic law. Islamic banks have a mission not only as financial intermediary institutions, but also as drivers of the values ​​of social justice, transparency, and blessings. This study aims to examine the implementation of Islamic contracts such as mudharabah, musyarakah, murabahah, ijarah, wakalah, and product development based on the principles of tabarru' and tijarah. The methods used are literature studies and descriptive analysis of DSN-MUI fatwas, OJK regulations, and empirical practices of Islamic banking in Indonesia. The results of the study indicate that although the implementation of contracts has referred to Islamic principles, there are still legal challenges, such as dualism of the legal system, disharmony of fatwas, and limited human resources. Therefore, synchronization of regulations and strengthening of Islamic literacy are needed to ensure sustainable Islamic compliance.

This research uses a qualitative method to explore the integration of Artificial Intelligence (AI) in marketing tactics and its impact on the development of marketing skills among the new generation. The main focus is on the use of AI in analyzing consumer behavior, content personalization, campaign automation, and data-driven decision-making. The findings reveal that AI not only enhances operational efficiency but also drives a transformation in the skill sets required by modern marketers, such as data analysis capabilities, technological literacy, and adaptability to intelligent systems. Through in-depth interviews with marketing practitioners and digital document analysis, it was discovered that the new generation of marketers is required to develop more complex digital competencies and engage in multidisciplinary collaboration. Furthermore, adaptation to technological change becomes a key factor in the success of AI-based marketing strategies. The integration of artificial intelligence in marketing practices not only reshapes work patterns but also creates new demands for continuous training and marketing education. Therefore, this research emphasizes the importance of collaboration between educational institutions, industry, and technology developers to create a competitive AI-based marketing ecosystem.

This article discusses the impact of Islamic microfinance on the welfare of micro, small, and medium enterprises (MSMEs) in Indonesia. The research aims to examine how sharia-based financing schemes contribute to the development and sustainability of MSMEs. This qualitative-descriptive study used literature review and documentation methods. Findings indicate that Islamic microfinance through contracts such as murabahah and mudharabah significantly enhances business productivity and financial independence of MSME actors. It also strengthens ethical business behavior and local economic growth. However, implementation challenges remain, particularly in terms of financial literacy and institutional outreach. The study recommends broader digital-based Islamic financial inclusion to reach underserved communities. These results are relevant for stakeholders interested in sustainable economic empowerment through sharia finance.

This study uses a qualitative method to examine the effectiveness of marketing strategies implemented by Islamic banks in attracting young customers. The background of this research is based on the significant growth of the Islamic banking sector in Indonesia, which has not yet fully optimized the potential of the youth market segment. Data were collected through in-depth interviews with marketing managers and young customers, as well as documentation of the promotional strategies employed. The findings reveal that marketing strategies emphasizing Islamic values, service digitalization, and social media campaigns significantly influence young customers’ interest. However, some challenges were also identified, such as low Islamic financial literacy among the youth and limited product innovation tailored to their needs. This study recommends strengthening Islamic financial education, collaborating with youth communities, and developing technology-based products and services so that Islamic banks can be more competitive in attracting young customers. With a more adaptive and communicative approach, Islamic banks have the potential to become the preferred choice for the younger generation in the future.

The abstract in this document emphasizes that good corporate governance (GCG) is very important in managing Islamic banking to be in line with Islamic principles. This article discusses the implementation of GCG in the context of Indonesian Islamic banking, especially in maintaining a balance between stakeholder interests and Islamic obligations. Emphasis is given to the role of the Sharia Supervisory Board (SSB), the importance of transparency, accountability, and a risk management system that is in accordance with Islamic principles.

The exploitation of children by parents through forced begging is a serious violation of children's rights protected by national law. This study aims to analyze legal protection for children based on Law Number 35 of 2014 concerning Child Protection and the Indonesian Penal Code (KUHP). The research method used is normative juridical with a statutory approach. The analysis shows that the state firmly prohibits the exploitation of children and imposes criminal sanctions on parents who force their children to beg. This protection includes both preventive and repressive measures. The Penal Code also strengthens child protection through provisions regarding criminal acts against minors. However, the implementation faces obstacles such as economic conditions, cultural factors, and lack of supervision. Strengthening legal enforcement and raising public awareness are necessary to ensure that child protection is effectively carried out. This study concludes that although legal instruments are available, concrete steps are still needed to eliminate child exploitation practices within the family environment.

Village financial management is one of the key indicators in realizing effective village governance. However, in many villages, including Sidoan Timur Village, Sidoan District, Parigi Moutong Regency, Central Sulawesi, the practice of financial transparency and accountability still faces various obstacles. This study aims to assess the application of the principles of transparency and accountability in the financial management of Sidoan Timur Village, Sidoan District, Parigi Moutong Regency, Central Sulawesi, by referring to the perspective of village governance. The approach used is a qualitative method through case studies. Data were obtained through in-depth interviews, participatory observations, and review of official village documentation. Data analysis was carried out with the stages of data reduction, data presentation, and inductive conclusion drawing. The research findings reveal that village financial management has not fully implemented the principle of transparency, because financial information is not routinely published and administrative accountability is still formal, without active involvement from the community. In addition, the implementation of financial governance regulations has not been consistent at the operational level. In conclusion, the practice of transparency and accountability in Sidoan Timur Village needs to be strengthened by increasing the capacity of village officials, optimizing public information media, and empowering community participation. Further research is suggested to examine the comparison between several villages with a quantitative approach in order to obtain a broader picture of village financial management from a governance perspective.