Publication Search

Fenomena meningkatnya penggunaan layanan pinjaman online di kalangan mahasiswa menimbulkan kekhawatiran terhadap potensi risiko finansial yang dapat mengganggu kesejahteraan dan performa akademik mereka. Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis perilaku manajemen risiko mahasiswa STIEPARI Semarang dalam penggunaan layanan pinjaman online, mengidentifikasi faktor-faktor yang memengaruhi pembentukan perilaku tersebut, serta memahami implikasinya terhadap kesejahteraan finansial mahasiswa. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain fenomenologi, melibatkan 14 mahasiswa sebagai informan utama. Temuan menunjukkan adanya kesenjangan substansial antara pemahaman konseptual mahasiswa tentang risiko dengan praktik aktual dalam pengambilan keputusan finansial, di mana mahasiswa dengan latar belakang pendidikan ekonomi tidak selalu menunjukkan perilaku manajemen risiko yang lebih baik. Rekomendasi penelitian mencakup pengembangan program edukasi berbasis experiential learning, implementasi sistem mentoring oleh mahasiswa senior, dan pembentukan early warning system untuk mendeteksi mahasiswa berisiko mengalami masalah kredit.

This study analyzes the synergy between human resource development (HRD), work culture, and decision-making systems in enhancing productivity and organizational performance. The approach used is a descriptive qualitative literature review, with sources from peer-reviewed articles from 2021-2025 obtained through databases such as Google Scholar and ScienceDirect. The research findings indicate that HRD can improve employee competence by up to 28.7%, while work culture contributes 41.4-55% to motivation and collaboration within teams. Decision-making systems, such as AHP (Analytical Hierarchy Process) and BI (Business Intelligence), play a role in optimizing operational efficiency by up to 65%. The synergy of these three elements forms a more adaptive organization to change. One example of the implementation of this synergy can be seen in PT X Jakarta, which experienced a 28% increase in output and employee satisfaction reached 85%. However, the main challenge faced is resistance to change, which can be overcome through effective communication. The practical implications of this study include recommendations for holistic organizational transformation, especially in Indonesia, to face the challenges of global disruption.

Digital transformation is an urgent need for MSMEs to maintain competitiveness, yet many businesses like Toko ANHA Kosmetik still rely on manual operational systems that pose a high risk of inefficiency and losses due to expired products. This study aims to design and develop a mobile-based cosmetic sales application capable of integrating inventory management with an early warning feature for product expiration. The methodology employed is Design Thinking, encompassing the stages of empathize, define, ideate, prototype, and test to ensure the solution is user-centered. The results indicate that this approach successfully identified the primary pain points of the store owner and translated them into functional features such as automatic T-30 expired date notifications and digital product catalogs. System testing was conducted using Black Box Testing, yielding 100% functional validity, and User Acceptance Testing (UAT), which resulted in an average score of 83.49%, categorized as "Excellent." This study concludes that the designed application is not only technically effective in preventing operational losses but also highly acceptable to MSME users due to its intuitive and functional interface.

The revitalization of the Rukun Masyarakat (Parukmas) Market through innovative Instagrammable photo spots is a strategic effort to develop the potential for creative tourism in Yosodadi Village, Metro Timur District. The market, which previously served only as a center of local economic activity, is being revitalized into a public space-based tourist destination that is aesthetic, educational, and attractive. This transformation aims to create a new experience for visitors by presenting an engaging, thematic visual design that aligns with social media trends, particularly Instagram. This research aims to design and implement Instagrammable photo spots that can enhance the appeal of Parukmas Market and evaluate their impact on increasing visitor numbers and empowering the surrounding community economically. The research method used is participatory, involving the community, vendors, and local stakeholders in the planning, design, and construction of the facility. Evaluation is conducted through direct observation of market activities and visitor satisfaction surveys to assess responses and perceived benefits. The expected outcome of this activity is the creation of a creative space that can enhance social interaction, strengthen local identity, attract tourists, and open new business opportunities for the community, thereby strengthening the local economy and increasing vendor income.

This study aims to describe the production process, business strategy, and product offerings of the COSIK chocolate factory located in Maumere, Sikka Regency, East Nusa Tenggara. The COSIK chocolate factory utilizes local raw materials, such as cocoa beans, obtained directly from local farmers, and implements a processing process without the use of chemical preservatives. This approach not only increases the added value of local products but also supports community economic empowerment through partnerships with cocoa farmers in the region. Furthermore, the use of simple yet modern technology enables a hygienic production process that meets quality standards. The results show that the COSIK chocolate factory contributes to improving the quality of local cocoa, developing innovative products based on natural ingredients, and strengthening the region's identity as a producer of quality chocolate. Thus, COSIK serves not only as a production unit but also as a sustainable business model that integrates environmental, social, and economic aspects in a food processing industry based on local resources.

The development of sustainable tourism facilities is one of the important efforts in increasing the attractiveness of destinations while preserving the environment. This study aims to analyze the implementation of ecological concepts in the development of glamping facilities in the Pearl Beach tourist area. The method used is a descriptive qualitative approach, with data collection through field observations, interviews with managers and tourists, and literature studies related to ecotourism principles and sustainable design. The results of the study show that the application of ecological concepts in glamping facilities in Mutiara Beach includes the use of environmentally friendly materials, integrated waste management, the application of energy efficiency, and designs that integrate the natural landscape without damaging the coastal ecosystem. The application of this concept not only improves the comfort and experience of tourists, but also contributes to increasing environmental awareness and strengthening the positive image of tourist destinations. In addition, this ecologically-conceptual glamping development model is expected to be a reference for the development of sustainable tourism facilities in other coastal areas, which prioritizes nature preservation and the welfare of local communities.

In Indonesia, micro, small, and medium enterprises (MSMEs) have long been recognized as a very important business sector due to their various real roles in the economy. However, MSMEs often face many obstacles in running their businesses. More incentive support from various parties, especially the government, is needed for the development of MSMEs. In order to overcome the problems faced by MSMEs and support their sustainability, a KKU (Business Field Study) activity was carried out by Group 15 at the KKU-11 of the Institute of Technology and Business (ITB) Adias Pemalang at the MSME “Ev_Kids Product.”After conducting an observation phase, several problems faced by the SME were identified, including the lack of social media for marketing, failure to calculate the Cost of Goods Sold (COGS) and maintain simple accounting records, absence of a business logo, banners, promotional image designs, organizational structure, business profile, product catalog, stamps, receipt books, and product attributes. Additionally, the SME had never produced a production video or promotional video.After conducting the observation phase, KKU actors formulated several business development assistance programs, namely creating social media accounts, calculating the Cost of Goods Sold (COGS), creating simple bookkeeping, creating a business logo, banners, promotional image designs, organizational structure, business profile, product catalog, stamps, note books, and product attributes in the form of hangtags. They also created production videos and promotional videos.

This study aims to analyze the role of the Makmur Mandiri Savings and Loan Cooperative (KSP) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). KSP Makmur Mandiri serves as a microfinance institution providing financial access and business mentoring for MSME actors. The method used is qualitative descriptive with a Group Investigation approach, involving group discussions to gain deeper insights from relevant literature sources such as journals and books. The theoretical review supports understanding the cooperative’s role in improving member welfare and the obstacles faced in managing and developing MSMEs. The findings show that KSP Makmur Mandiri has succeeded in providing continuous capital and support, helping MSMEs to survive and grow despite economic challenges, especially after the pandemic. However, the cooperative faces various internal and external obstacles that require strategic collaboration for sustainable development. The implication of this study is to encourage enhanced managerial capacity of cooperatives and the need for stronger government policy support to optimize the cooperative’s role as a strategic partner for MSMEs.

The dynamics of student organization structure have significant implications for talent retention and student career development. This study aims to comparatively analyze the influence of centralization and decentralization structures in the Information Technology Study Program Student Association on the effectiveness of talent retention strategies and career development capacity. The research method uses a quantitative approach with a comparative design involving 120 respondents selected through purposive sampling technique with criteria of at least one period of organizational experience. Data collection instruments use structured Likert scale questionnaires that have been tested for validity and reliability with Cronbach's Alpha values above 0.80. Data analysis uses Structural Equation Modeling and independent sample t-test to compare both structural models. The results show that the decentralization structure has a strong significant effect on talent retention with a path coefficient of 0.628 compared to centralization of 0.312. Comparative analysis identifies substantial differentiation in all dimensions of career development with the decentralization structure consistently outperforming centralization, especially in the aspect of decision-making autonomy. The findings confirm that the distribution of authority in decentralization creates a learning ecosystem that facilitates diversification of leadership experiences and strengthens students' organizational commitment through participatory empowerment mechanisms.

This research examines the implementation of the Deep Learning approach in Islamic Religious Education (PAI) learning at SMAN 61 Jakarta and its contribution to the development of students' critical thinking skills. This study was conducted due to the need for a learning model that encourages students to understand religious concepts through active, reflective, and meaningful learning experiences. The purpose of this research is to describe the implementation of Deep Learning in PAI learning and its influence on the development of students' critical thinking skills. This study employs a qualitative method with a descriptive research design, using interviews, classroom observations, and documentation as data collection techniques. The findings indicate that the Deep Learning approach supports students in participating more actively in discussions, analyzing religious issues related to real-life situations, and constructing arguments based on their own understanding. Students also demonstrate improvement in evaluating information, considering diverse perspectives, and providing more reflective responses to classroom problems. The study further identifies several challenges, including limited digital facilities, varying levels of student participation, and teachers’ readiness in managing diverse learning strategies and media. These findings suggest that Deep Learning has strong potential to enhance students’ critical thinking skills when applied systematically and designed to foster active participation and meaningful exploration during the learning process.

This study aims to analyze the potential and business development strategies of Warung Misop Kampung Yani Mbotz in Tanjung Morawa District as a representative of traditional culinary MSMEs. The main problems identified are limited capital, simple business management, and the lack of digital promotion. This research employs a qualitative descriptive method with a case study approach, using direct observation, interviews with the business owner, and document analysis. Data were analyzed using the SWOT (Strengths, Weaknesses, Opportunities, Threats) framework to identify internal and external factors, and the Business Model Canvas (BMC) to formulate development strategies. The results reveal that the main strengths of the business lie in authentic taste, affordable prices, and customer loyalty. Weaknesses include limited menu innovation, underutilized digital promotion, and the absence of systematic financial recording. Opportunities arise from the growing public interest in traditional culinary products and government support for MSMEs, while threats come from competition with modern food outlets, fast-food chains, and rising raw material prices. The strategies formulated through the BMC framework include product innovation, service diversification, the optimization of social media marketing, and the strengthening of business networks. The study concludes that applying BMC-based strategies can enhance the competitiveness of Warung Misop Kampung Yani Mbotz while preserving traditional culinary heritage. These findings are expected to serve as a reference for other culinary MSMEs in developing their businesses sustainably.

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economic development, particularly in developing products based on local wisdom. Toko Jayabaru is an MSME that markets Maumere's signature souvenirs made from traditional ikat woven fabric, facing various challenges and opportunities amid business and tourism dynamics. This study aims to identify internal and external factors affecting Toko Jayabaru's performance and formulate appropriate business development strategies through SWOT analysis. The research employs a qualitative descriptive approach with data collection through in-depth interviews with the owner and management of Toko Jayabaru. Data analysis uses the SWOT framework (Strengths, Weaknesses, Opportunities, Threats) to identify the business's strategic position and formulate alternative development strategies. Toko Jayabaru's main strengths lie in strong local cultural identity, authentic product quality, and adequate business experience. Weaknesses include limited digital marketing, restricted production capacity, and lack of derivative product variations. Opportunities encompass Flores tourism sector growth, increasing interest in local products, and potential strategic collaborations. Main threats are competition from similar products, influx of imitation products, and dependence on tourism sector fluctuations. Recommended development strategies include strengthening branding through storytelling, diversifying woven derivative products, optimizing digital marketing, strategic collaboration with tourism stakeholders, enhancing human resource capacity, and implementing customer loyalty programs. Implementation of these strategies is expected to increase MSME competitiveness while preserving Maumere's local culture.

This paper explores the epistemological dimensions of the digital transformation occurring in traditional game development through the integration of machine learning systems. By examining how knowledge creation, validation, and application have evolved in this domain, we identify fundamental shifts in the epistemological frameworks governing game development practices. The research investigates how machine learning has redefined creative processes, technical implementation, and experiential design while challenging traditional notions of authorship, expertise, and knowledge transmission. Through analysis of industry case studies, technological capabilities, and theoretical frameworks, this paper contributes to understanding how machine learning systems are not merely tools but epistemological agents that fundamentally transform how knowledge is generated, validated, and utilized in game development ecosystems.

Penelitian ini membahas pentingnya pembelajaran mengenai perang proxy (proxy war) bagi taruna Korps Marinir di Akademi Angkatan Laut sebagai bekal dalam menghadapi ancaman pertahanan negara di masa depan. Perubahan makna istilah “perang” yang kini lebih sering dipahami sebagai sifat daripada sekadar tindakan, menunjukkan urgensi pemahaman baru di kalangan militer. Proxy war merupakan konfrontasi tidak langsung antara dua kekuatan melalui perantara untuk menghindari konflik langsung yang dapat menyebabkan kerusakan fatal. Saat ini, Taruna Korps Marinir belum memperoleh pembelajaran khusus mengenai proxy war, sehingga materi ini sangat dibutuhkan untuk meningkatkan pengetahuan dan kesiapan mereka. Tujuan penelitian ini adalah mengembangkan konsep pembelajaran proxy war yang dapat diterapkan dalam kurikulum pendidikan taruna Korps Marinir, agar mereka memiliki bekal yang memadai untuk menjadi perwira TNI-AL yang mampu menghadapi berbagai ancaman pertahanan di masa depan. Penelitian menggunakan metode penelitian dan pengembangan, meliputi pengumpulan data melalui kuesioner, wawancara, serta uji coba konsep pembelajaran yang dikembangkan. Hasil penelitian menunjukkan bahwa integrasi materi proxy war secara signifikan meningkatkan pemahaman dan kesiapan taruna dalam menghadapi skenario perang tidak langsung.

Leadership character development is a fundamental foundation in preparing Indonesian Naval Academy Marine Cadets as prospective Platoon Commanders (Platoon Leaders) in operational units. The complexity of the operational environment, the dynamics of the strategic setting, and the demands of military professionalism require a platoon commander to excel not only in technical and tactical competencies, but also to possess strong, integrity-based, and adaptive leadership character. This article aims to comprehensively analyze leadership character development materials for prospective Marine Platoon Commanders at the Indonesian Naval Academy (AAL) using the Character Cultivation approach and the Military Leadership and Character Development theory proposed by Dr. Charles C. Wong. This study employs a qualitative research method with data collected through expert interviews, document analysis, and SWOT analysis. The findings indicate that the most appropriate strategy for leadership character development is the Strength–Opportunities (SO) strategy, which emphasizes leveraging internal strengths of military education to capitalize on external opportunities, particularly global trends in character-based leadership and the utilization of educational technology. This article, structured equivalently to a minimum of 30 A4 pages, is expected to serve as an academic reference and a policy input for strengthening leadership education for Marine Cadets.

Polusi udara partikulat halus (PM2,5) merupakan ancaman serius bagi kesehatan masyarakat di Kabupaten Brebes, Jawa Tengah. Faktor penyumbang utamanya adalah emisi kendaraan di jalur Pantura, aktivitas industri perikanan, serta konsentrasi tinggi selama musim kemarau (Juni–November). Tidak adanya model peramalan sub-jam yang akurat menghambat pengembangan sistem peringatan dini yang efektif. Penelitian ini mengembangkan dan mengevaluasi model deep learning berbasis Transformer untuk memprediksi konsentrasi PM2,5 dengan resolusi waktu 15 menit. Data yang digunakan berasal dari NASA GEOS-CF (band PM25_RH35_GCC) yang diakses melalui Google Earth Engine menggunakan API Python. Dataset mencakup periode 1 Januari hingga 22 November 2025, menghasilkan 7.813 observasi per jam, yang kemudian diinterpolasi linear menjadi 31.249 titik data dengan resolusi 15 menit. Arsitektur Transformer terdiri dari 3 lapis enkoder, 4 kepala perhatian multi-head, dimensi embedding 128, dimensi feed-forward 256, panjang sekuen 60 timestep, dan augmentasi fitur menggunakan rerata bergulir (*rolling mean*, jendela = 3) dan beda pertama (*first difference*). Pelatihan dilakukan dengan TensorFlow-Keras, pengoptimal Adam, penjadwal peluruhan kosinus (*cosine decay scheduler*), dan fungsi kerugian Huber. Pembagian data dilakukan secara kronologis: 70% pelatihan, 30% validasi. Evaluasi pada set uji independen (16 Agustus–21 November 2025, 9.357 observasi atau 97 hari 11 jam 15 menit) menghasilkan MAE 0,7691 µg/m³, RMSE 1,2052 µg/m³, R² 0,9945, dan *Explained Variance Score* 0,9948. Model ini mampu menggambarkan variasi diurnal dan anomali musiman secara akurat, jauh melampaui model LSTM dan GTWR konvensional. Penelitian ini memberikan kontribusi signifikan di bidang Teknologi Informasi melalui kerangka kerja pengolahan *big data* satelit untuk aplikasi lingkungan.

Penelitian ini bertujuan mengembangkan strategi ekonomi pesisir berkelanjutan di Teluk Berau, Distrik Kokas, Kabupaten Fakfak, melalui integrasi tradisi lokal kera-kera ke dalam kerangka Business Model Canvas (BMC). Tradisi kera-kera berfungsi sebagai mekanisme adat untuk melestarikan sumber daya alam serta meningkatkan kesejahteraan masyarakat melalui pengelolaan hasil laut secara kolektif. Penelitian ini menggunakan pendekatan kualitatif deskriptif partisipatoris, dengan teknik pengumpulan data berupa wawancara mendalam, observasi partisipatif, dokumentasi, dan diskusi kelompok terarah. Analisis data dilakukan dengan model interaktif Miles, Huberman, dan Saldaña. Hasil penelitian menunjukkan bahwa praktik buka tutup kera-kera berdampak pada peningkatan kuantitas dan kualitas hasil tangkapan, mendorong aktivitas ekonomi lokal, serta membentuk dasar model BMC yang merefleksikan kearifan lokal dan prinsip keberlanjutan. Analisis SWOT digunakan untuk merumuskan strategi adaptif dalam menghadapi peluang dan ancaman internal maupun eksternal. Penelitian ini menawarkan kebaruan ilmiah melalui integrasi tradisi adat ke dalam model bisnis modern sebagai upaya revitalisasi ekonomi pesisir sekaligus pelestarian lingkungan. Temuan ini menjadi rujukan dalam pengembangan strategi ekonomi berbasis kearifan lokal dan pedoman kebijakan daerah.

Penelitian ini mengkaji identitas visual merek Pia Saronde—salah satu produk kuliner khas Gorontalo—dengan menggunakan pendekatan semiotika yang berlandaskan teori Roland Barthes. Sebagai salah satu UMKM yang bergerak di sektor pangan, merek ini sangat bergantung pada peran logo untuk membentuk persepsi konsumen, memperkuat posisi merek, serta membedakannya dari produk lain dalam persaingan pasar. Penelitian ini bertujuan menelaah struktur visual yang membentuk logo, menginterpretasikan makna denotatif dan konotatif yang muncul, serta menilai sejauh mana logo tersebut mampu merepresentasikan nilai-nilai budaya lokal. Penelitian ini menggunakan metode deskriptif kualitatif dengan memadukan pengamatan visual terhadap logo dan kajian pustaka yang relevan. Hasil analisis menunjukkan bahwa kombinasi warna kuning dan coklat pada logo mampu menimbulkan kesan hangat, manis, dan menggugah selera, sedangkan bentuk tipografi yang melengkung menghadirkan citra tradisional, akrab, dan bernuansa rumahan. Selain itu, penggunaan nama “Saronde” menciptakan hubungan simbolis dengan Pulau Saronde yang terkenal, sehingga memperkuat keterikatan merek terhadap identitas daerah. Secara keseluruhan, temuan penelitian ini menunjukkan bahwa logo tersebut berhasil mengomunikasikan keterkaitan budaya dan citra kuliner yang diusung produk. Meskipun demikian, penelitian ini merekomendasikan adanya pengembangan pada beberapa elemen simbolik dan peningkatan adaptasi visual untuk kebutuhan media digital guna memperkuat daya saing merek.

This study discusses the conditions, challenges, and strategies for developing Indonesian pepper exports in the context of international trade. Although Indonesia still has a comparative advantage as indicated by a positive RSCA value, export performance has continued to decline since 2019. Various internal factors such as inconsistent quality, limited post-harvest technology, and low cultivation productivity are the main causes of weakened competitiveness. On the other hand, competing countries such as Vietnam and India have succeeded in improving the quality and efficiency of their supply chains through technological modernization and the application of consistent quality standards. Through a literature review, this study found that strengthening the implementation of GAP and GHP, increasing farmer capacity, modernizing post-harvest technology, and developing product downstreaming are key strategies for improving the competitiveness of Indonesian pepper exports. The implementation of these strategies is expected to increase added value, improve Indonesia's position in the global value chain, and support the sustainability of pepper exports in the future.

Human resource development is the process of preparing individuals to take on higher or different responsibilities within an organization, including enhancing intellectual abilities to support efficient task performance. This study aims to determine the extent to which human resource development contributes to improved employee performance at the East Lombok Regency Health Office. The qualitative, descriptive approach involved eight informants, consisting of officials familiar with the implementation of human resource development and staff who had participated in the program. The results indicate that education and training conducted by the East Lombok Regency Health Office have supported improved employee performance, as evidenced by more structured task implementation, public health monitoring surveys, and a decrease in maternal and infant mortality rates. However, in terms of human resource management, there are still shortcomings, with an average of 28 health workers per health facility, both civil servants and non-civil servants, reflecting an imbalance in workforce needs. Furthermore, the implementation of human resource development is supported by leadership commitment, inter-agency collaboration, and budget support from the provincial and central governments. However, it is hampered by limited qualified personnel, frequent policy changes, and the impact of natural disasters.