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This research aims to determine the different kinds of risks that Bank Muamalat KCP Sepanjang faces as well as the mitigation strategies implemented to manage these risks. This research uses qualitative methods with a descriptive approach to understand risk phenomena in depth through interviews and observations. The research results show that Bank Muamalat faces several main risks, including credit risk, market risk, liquidity risk and strategic risk. Strategic risk is the biggest challenge because it requires adjustments to changes in business competition, innovation and technological developments. The mitigation strategies implemented by Bank Muamalat include strict supervision of strategic policies, collaboration with other parties, and adaptation to new technology. With the right mitigation strategy, Bank Muamalat KCP Sepanjang can maintain its stability and growth in the sharia banking sector.  

This study explores the dynamics of digital investment in Indonesia within the framework of Islamic economics. The rapid advancement of technology has facilitated the growth of Sharia-compliant investments through digital platforms, making investment more accessible to the Muslim population. This research categorizes several prominent types of Sharia-compliant digital investments, including Online Sharia Mutual Funds, Sharia-Compliant Stocks, UMKM Crowdfunding, Digital Gold, and Online Sharia Property. Each type is evaluated based on its adherence to Islamic principles, legal regulations, and associated risks and opportunities. The study finds that while digital investment platforms offer considerable accessibility and inclusivity, ensuring Sharia compliance remains a challenge amid evolving regulations and technological innovations. Furthermore, the study addresses the regulatory frameworks that oversee these investment types, such as POJK regulations and MUI fatwas, which play a crucial role in maintaining compliance. This research contributes to the ongoing development of Islamic digital finance in Indonesia, providing insights for regulators, platform providers, and investors who seek to expand Sharia-compliant digital investments responsibly.

This research investigates the effectiveness of maritime education in developing a skilled workforce capable of facilitating global trade and economic development. Through qualitative analysis of the perspectives and experiences of maritime professionals, lecturers, and graduates, the study examines key areas including curriculum alignment, workforce competency development, technological integration, and sustainability. The findings reveal that while maritime education is effective in providing core technical skills, gaps exist in the integration of emerging technologies and environmental practices. Addressing these gaps by updating curricula to emphasize innovation and sustainability will better prepare graduates to meet the future challenges of the maritime industry. The research highlights the critical role of maritime education in shaping the next generation of industry leaders who can contribute to global trade efficiency and environmental stewardship.

The maritime industry is rapidly evolving due to technological advancements and increased emphasis on sustainability. This research aims to develop a specialized maritime management curriculum that aligns with the needs of the port, shipping, and logistics sectors while incorporating emerging technologies and sustainability practices. Through qualitative research involving 5 maritime professionals, 5 lecturers, and 5 graduates, this study investigates the current gaps in maritime education and the essential competencies needed in modern maritime professions. Using descriptive analysis, the research provides insights into the integration of applied management studies, technical skills, and innovation into the curriculum. The study identifies key areas where existing curricula fall short, including the underrepresentation of technological and sustainability competencies. By examining the experiences of industry professionals and educational experts, a new curriculum framework is proposed, aiming to enhance graduate readiness for modern challenges. The curriculum effectiveness is evaluated using key performance indicators (KPIs), with a 9/10 score on alignment with industry needs. Comprehensive tables illustrate the scoring across various curriculum components, including technology integration, sustainability, and managerial skills. The findings suggest that the proposed curriculum model can significantly improve the employability of graduates, ensuring that they are equipped to meet the dynamic requirements of the maritime industry. Continuous curriculum development, with feedback from industry stakeholders, is recommended to maintain alignment with evolving industry needs.

Digital technology innovation has become the main driver in reforming the education system in the modern era. The use of digital technologies, such as online learning platforms, artificial intelligence, and data-based education management systems, has changed the way education is learned, taught, and managed. These innovations not only increase the accessibility and flexibility of learning, but also enable the personalization of the learning experience for students. This article aims to examine the role of digital technological innovation in driving education system reform, as well as highlighting the opportunities and challenges faced in the transformation process. The results of this research conclude that digital technology innovation has great potential to encourage education system reform, as long as it is accompanied by supportive policies, increasing the competency of teaching staff, and equitable development of technological infrastructure. It is hoped that this reform can create an education system that is more inclusive, adaptive and relevant to future challenges.

Smart City is the first step with the concept of a region that combines information and communication technology packaged with regional authenticity. Smart City aims to help provide better public services. With several government regulations that have developed related to smart cities, it is hoped that technological developments can improve the quality of life of the people so as to encourage sustainability. The forerunner in moving towards a smart city is seen from the potential of an area that can be developed. Smart Cultural Heritage is a regional concept that combines technology with cultural heritage to promote, enhance, and preserve culture by involving technologies such as Augmented Reality (AR), Virtual Reality (VR) and others. Tulusbesar Village is a village located in Tumpang District, Malang Regency which is rich in culture, but on the other hand the community does not have the ability to utilize technology in its development. The PPK Ormawa BEM FEB UM team initiated Mojangki.id innovations made with the needs of the community in the field of arts and culture to increase the Cultural Capital of Tulusbesar Village so that Mojangki.id innovations have a positive impact on increasing profits and managing tourism assets of Tulusbesar Cultural Village.

The development of digital technology has brought about significant changes in various aspects of life, including one’s faith and how the church functions. In this article, we discuss the concept of Missio Dei (God’s mission) in the context of the digital age. We also explore how this concept can be applied to the church’s strategies and roles, particularly those of specialised ministers. This article identifies the challenges and opportunities facing the church as it proclaims the Gospel in the digital space, including the risks of digital fatigue, the spread of false teachings, and excessive reliance on media. Specialised ministers play a crucial role in maintaining theological integrity and ethical standards while bridging the Gospel message with digital culture. Conversely, digital media opens new doors for creative ministry, global evangelism, and the formation of bold faith communities. It is added that digital ethics are essential for maintaining the integrity of the Gospel and the dignity of the congregation. Overall, this research asserts that the technological era is not an obstacle to the church’s purpose. Rather, it is a new field that requires faith, wisdom, and innovation to be utilised.  

The development of digital technology and the need for energy efficiency are two important elements in advancing the village economy, especially through the Micro, Small and Medium Enterprises (MSME) sector. The digitalization of MSMEs opens up great opportunities for village business actors to expand markets, increase productivity and integrate technological innovation in their operations. Meanwhile, electricity efficiency not only has an impact on reducing production costs, but also contributes to environmental sustainability. This research aims to analyze the impact of digitalization and electricity efficiency on village economic progress through the development of MSMEs. This study examines how digitalization can increase market access and competitiveness of MSMEs in villages, as well as how implementing energy efficiency practices can reduce the burden of operational costs faced by business actors. Apart from that, this research also discusses the challenges faced by MSMEs in villages in adopting digital technology and energy efficiency practices, as well as solutions that can be implemented to overcome these challenges. The research results show that the integration of digitalization and electricity efficiency can make a significant contribution to improving the performance of MSMEs in the village, which in turn has a positive impact on improving the overall village economy. Successful implementation requires strong support from governments, technology providers and local communities to ensure the sustainability of these initiatives

Biosensors are analytical devices that combine biological sensing elements with physicochemical detectors to provide rapid, accurate, and cost-effective solutions for medical diagnostics. Globally, these devices have revolutionized the detection and monitoring of diseases, significantly impacting patient outcomes. In Indonesia, the adoption and development of biosensor technology have accelerated over the past decade, particularly in response to the growing healthcare needs and the government's push for technological innovation. This study aims to review and analyze the development and application of biosensors in Indonesia medical diagnostics sector between 2014 and 2024. The research focuses on identifying key technological advancements, the integration of biosensors into healthcare, the challenges faced in their development and deployment, and the prospects for future growth. The study employs a comprehensive literature review and analysis of scientific publications, industry reports, and government documents related to biosensor technology in Indonesia. The review covers the evolution of biosensing materials, point-of-care testing applications, integration with digital health technologies, and regulatory frameworks. Data were synthesized to provide a detailed overview of the current state of biosensor technology and its impact on medical diagnostics in Indonesia. The findings indicate significant advancements in biosensor technology, particularly in the development of novel nanomaterials, the integration of biosensors with mobile health (mHealth) platforms, and the expansion of point-of-care testing (POCT) for infectious diseases. However, the sector faces challenges, including technological limitations, regulatory hurdles, and economic constraints, which have slowed the widespread adoption of biosensors in clinical settings. Despite these challenges, the future of biosensors in Indonesia appears promising, with continued investment and innovation expected to drive further advancements in this field.

The Village Government & managers of Kemetul Tourism Village do not understand much about digitization transformation, digitization opportunities, and technological innovation in the tourism sector. Observation preparation is the first step to dig deeper into the existing problems. Training for the Village Government & Management of Kemetul Tourism Village to understand the challenges and opportunities of digitalization marketing in the tourism sector. Practice and apply digitalization marketing for the development of tourism villages. With the understanding and training digitalization has the potential to drastically change the tourism industry, allowing better knowledge management, faster innovation, and better data security while reducing operational time. In addition to providing understanding, there is also a need for training in tourism service technology innovation. Many types of tourism service technology make it easier for managers such as the use of social media and websites that can be accessed in the form of websites and smartphone applications.

In today’s modern era, humans have a life with endless activities and technological developments that is currently maturing in indonesia is financial Technology. Financial Technology (fintech) is the latest innovation in the financial service system which is touched by modern technology, to make it easier for people to make payments, investments, borrow money, transfer money and so on. The problem formulation for this (1) do usability factors influence students’interest in using sharia fintech (2) can trust factors influence students’interest using sharia fintech (3) can risk factors influence students’interest using sharia fintech. The aim of this reseacrh is to look at the backround of the problem is to find out the factors that influence interest using sharia fintech at UIN STS Jambi. Based on the result of previous research, the following conclusions can be conveyed in this research (1) The result of the research show that partially the perception of usefulness is not influence in mintst using financial technology with a significance value of 0.103. (2) The research results show that partially trust has no effect on interest in using Financial technology with significance value of 0.060/ (3) The research results show that partially risk has an effect on interest in using financial Technology with a significance value of 0.000   (4) base on the test results, it is known that the value reaches 116.391, while the significance value is 0.000. this shows that perceived usefulness of trust and risk influence interest in using Financial Technology

In the current era, persuasive technology is increasingly being used in the health and wellness field to help users improve their lifestyle and find information about their health problems. Along with the rapid development of science and technology in this digital era, the field of education is also experiencing the same thing. This research was conducted to examine the use of persuasive technology adoption in the education domain. Along with the rapid development of Information and Communication Technology (ICT) in this digital era, the field of education is also experiencing technological advances and developments that bring innovation to education. This can be seen from the many digital platforms used by schools to support learning such as Google Classroom, Noosphere, Zoom, Canva For Education, Smart Library, etc. This research uses a descriptive qualitative method with a post-positivist approach. Research data were obtained from interviews, observations, and studying supporting documents/data. Interviews were conducted with informants, namely teachers and curriculum developers. The theories used in this research are the Media Richness Theory (MRT) and the Technology Acceptance Model (TAM). This study concludes that the adoption of persuasive technology that has been implemented by Pahoa Integrated School has been running effectively. In practice, the persuasive technology applied by Pahoa Integrated School has been able to accommodate the communicator (teacher), and the medium (application) to communicants (students). This research can make a real contribution, especially in the field of education at large, so that persuasive technology can be effectively integrated into learning.

This research investigates the intricate landscape of financial challenges and opportunities in the maritime industry through the lens of expert perspectives in economics, management, and maritime operations. Drawing on qualitative insights from industry leaders and scholars, the study analyses key economic indicators such as GDP growth rates, inflation, interest rates, and trade balances, highlighting their profound impact on global shipping dynamics. The findings reveal pervasive challenges including economic volatility, regulatory compliance burdens, and sustainability pressures, which necessitate strategic responses for financial resilience and operational sustainability. Strategic recommendations are delineated to address these challenges effectively, advocating for enhanced risk management strategies, investment in technological innovation, adoption of sustainable practices, collaborative industry partnerships, and capacity building in talent development. These insights are crucial for maritime stakeholders aiming to navigate economic uncertainties and regulatory complexities while advancing towards sustainable growth and competitiveness in the global maritime economy.

The evolution of global virtual firms in the post-pandemic era has transformed the dynamics of leadership, collaboration, and team performance. This study investigates the influence of digital leadership styles-particularly transformational, transactional, and adaptive-on the effectiveness of collaboration among remote teams operating in multinational virtual environments. Using a mixed-methods approach that integrates quantitative surveys and qualitative interviews, data were collected from managers and team leaders of multinational corporations who lead geographically dispersed teams. Quantitative findings reveal that adaptive and transformational digital leadership styles significantly enhance communication, coordination, trust, and motivation within remote teams, while transactional leadership proves less effective in sustaining engagement across time zones and cultural boundaries. Qualitative insights highlight that flexibility, empathy, and digital literacy are central to building trust and cohesion in diverse virtual settings. Moreover, the use of advanced collaboration tools such as Slack, Microsoft Teams, and Zoom amplifies leadership effectiveness when aligned with inclusive communication practices. The study underscores that successful digital leadership depends on balancing human-centered empathy with technological competence to foster team cohesion and innovation. Managerial implications emphasize the need to develop leaders’ digital competencies and cross-cultural communication skills, along with fostering adaptive strategies to sustain engagement in virtual work environments. Future research should explore the longitudinal effects of digital leadership development programs across industries to assess their sustained impact on productivity, innovation, and organizational resilience in digital ecosystems.

One of the causes of low student learning outcomes is the use of learning models that are monotonous and tend to be boring, so innovation in learning is needed. The integration of technology into the education and learning process reflects an innovative effort. One model that can make it easier for students to understand and can support technological developments is the blended learning model. Quipper School is an online learning platform that can be used in the blended learning model. This research aims to determine whether or not there is an influence of the blended learning model using Quipper School on the mathematics learning outcomes of class XI MA Nurul Jadid students. This research is quantitative research with a quasi experimental type. The subjects in this research were class XI MIPA 2, totaling 23 people as the experimental class and class XI MIPA 4, totaling 23 people as the control class. Based on the results of the Mann-Whitney U Test, it was found that Asymp. Sig. (2-tailed) of 0.000 is smaller than 0.05, meaning that  is rejected and  is accepted. Thus, it can be concluded that there is a significant influence from the blended learning model using Quipper School on the mathematics learning outcomes of class XI MA Nurul Jadid students.

In a company increasing productivity is very important. This increase can be done by improving technological innovation. The technology that was redesigned was the roaster machine. The aim of this research is to make machine use and maintenance easier with new designs that may be more user-friendly and more sophisticated control technology or more durable materials that can improve machine performance and longevity. The method used in this research is the Zero One method. The Zero-One method is a decision development method that aims to determine alternatives (criteria). The results of the analysis from this research are to create a machine that can be made in accordance with ergonomic standards for workers, thereby reducing downtime and reducing production cycle times, thereby allowing for increased output without increasing working hours.  

Students have different levels of material understanding, including in understandingmonotonous Islamic Education materials using lecture methods. Sometimes students find it difficult to capture what teachers describe, especially in complex materials such as fiqh and long materials such asislamic culturalhistory. Thepurposeofthisresearch is to conducta learning innovationto address students' problems related to material understanding. The innovation that will be discussed in this article is the development of audiovisual media for Islamic Religious Education (PAI). The research method useslibrary research collectedfrom books and journals. With the development of audiovisual media innovation, it is hoped that students can better understand islamic education materials and provide a new atmosphere in learning. As a result of this study with technological developments, accessing audivisual media in learning is easier. The most popular site that provides audiovisual media access is Youtobe. The role of educators in the playback of learning videos as mentors. So that with this medium can shape the effectiveness of student learning.

The advent of Industry 4.0 has revolutionized the landscape of leadership, emphasizing the critical role of digital leadership in navigating technological advancements and organizational transformations. This comprehensive literature review explores the evolving concept of digital leadership within the context of Industry 4.0, aiming to synthesize current research findings, identify emerging trends, and highlight best practices. Through a systematic analysis of peer-reviewed articles, books, and conference papers from the last decade, this study examines the key attributes, strategies, and impacts of digital leadership on organizational performance and innovation. The review reveals that effective digital leaders exhibit a combination of technological proficiency, visionary thinking, and adaptive management skills. Furthermore, it underscores the importance of fostering a digital culture, promoting continuous learning, and leveraging data-driven decision-making to drive organizational success. By providing a holistic understanding of digital leadership, this study offers valuable insights for academics and practitioners seeking to enhance leadership effectiveness in the digital age. The findings underscore the necessity for organizations to invest in leadership development programs that align with the demands of Industry 4.0, ensuring leaders are equipped to lead in a rapidly changing technological environment.

Micro, Small and Medium Enterprises (MSMEs) play a vital role in the economies of many countries, including Indonesia. Along with the development of information and communication technology, e-commerce has become a crucial platform for MSMEs to expand markets, increase operational efficiency and increase competitiveness. This study examines the impact of e-commerce adoption on MSME performance, with a focus on increasing market access, reducing operational costs, and increasing product and service innovation. The research methodology includes a literature review, secondary data analysis, and case studies of MSMEs that have successfully implemented e-commerce. The research results show that e-commerce provides significant benefits for MSMEs, such as increased sales and efficiency, but also reveals challenges such as the need for increased digital capacity and adequate technological infrastructure. This research concludes that government support and collaboration with the private sector are needed to optimize the potential of e-commerce in empowering MSMEs in the digital era.  

Akhlaq education plays an important role in shaping the character and personality of students. However, challenges in learning akhlaq such as limited relevant teaching materials and interesting learning media require innovative solutions. This article discusses strategies for developing teaching materials and learning media for akhlaq that are relevant to technological developments and social changes. This research uses literature study method and implementation analysis in selected schools. The results show that the use of digital media, project-based learning, and collaboration with parents and the community can improve the effectiveness of akhlaq learning.