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The capital market plays a significant role in spurring a country's economic growth, but capital market inclusion in Indonesia is still relatively low. This article discusses community empowerment efforts to improve capital market inclusion through financial literacy education, utilization of digital technology, and increased access to capital market products and services. It highlights the importance of early financial education, as well as the role of university students in providing training to communities, especially in remote areas. In addition, collaboration between the government, financial institutions, and financial technology (fintech) is needed to expand the reach of capital markets and increase public participation in safer and more sustainable investments.

Digitalization has played a significant role in improving capital market inclusion literacy in Indonesia. In the era of digital transformation, financial literacy is an important element for people to manage their finances wisely and maximize the use of investment products. This study aims to examine how digitalization affects people's investment behavior through increasing financial literacy and accessibility of financial services. Using a literature study method, this article collects information and data from various sources to explore the impact of digitalization on investment behavior. The results show that financial literacy allows people to understand the risks and opportunities in the capital market, while financial inclusion ensures easier access to financial services. Digitalization accelerates investment adoption, especially among people who were previously less educated about the capital market.

Effect of Effectiveness The use of social media, capital and length of business to increase income is nothing new for business actors. However, many micro-scale culinary entrepreneurs are still hesitant to use social media to develop their business. There are also many of them who have used social media, but have not experienced progress in their business. This research discusses the effectiveness of the use of social media, capital and length of business to increase income carried out by Durian PJ. From the problems above, this research aims to find out how effective the use of social media is for business and capital on Durian PJ Business income. This research focuses on the durian business in Sampang. This research uses E-analysis with the help of Views 8 software. The results of this research show that social media variables and length of business have a positive and significant effect on income, while capital variables have no effect on Durian PJ's business income.

Penelitian ini bertujuan mengidentifikasi strategi pengembangan yang diterapkan oleh toko kelontong di Kecamatan Gayungan untuk bersaing dengan toko ritel modern. Metode penelitian kualitatif digunakan dengan wawancara terhadap 22 pelaku usaha toko kelontong yang terdaftar di Dinas Koperasi UKM dan Perdagangan Kota Surabaya. Strategi pengembangan meliputi permodalan, manajemen keuangan, mutu produksi, strategi pemasaran, legalitas usaha, dan tanggung jawab sosial perusahaan. Hasil penelitian menunjukkan bahwa toko kelontong menggunakan modal internal (seperti tabungan pribadi) dan eksternal (seperti pinjaman bank dan bantuan pemerintah). Mereka juga melakukan manajemen keuangan dengan pembukuan sederhana dan penganggaran, memilih pemasok berkualitas untuk memastikan mutu produk, menggunakan strategi pemasaran online melalui aplikasi PEKEN Surabaya dan WhatsApp, mengurus legalitas usaha seperti NIB (Nomor Induk Berusaha), serta melakukan kegiatan tanggung jawab sosial. Strategi ini bertujuan mengembangkan dan mempertahankan keberlanjutan usaha toko kelontong di tengah persaingan dengan ritel modern.

The purpose of this study was to determine the effect of the use of E-commerce, business capital, and the use of accounting information systems on the financial performance of UMKM in Padang City. This study uses a quantitative method with a survey approach. To obtain data in this study by distributing questionnaires. The population in this study were all micro and small business actors in Padang City. The sampling technique used in this study was purposive random sampling. The data obtained for the online questionnaire were 8 respondents and direct distribution was 105 respondents. The results of this study are the use of e-commerce and business capital have a significant positive effect on financial performance, the use of accounting information systems does not have a significant positive effect on financial performance. Together the use of e-commerce, business capital, and the use of accounting information systems have an effect on financial performance

This study on profitability aims to analyze the effect of Core Capital on Profitability with the mediation of Third Party Funds and Credit Given at Rural Credit Banks in Indonesia for the period 2015-2023. The sample used in this study was 108 monthly data, selected using the purposive sampling method. The monthly data comes from the Indonesian Banking Statistics report published by the Financial Services Authority (OJK). The data analysis technique used is path analysis using multiple linear regression. The results of the study indicate that Core Capital has a significant positive effect on Third Party Funds, Core Capital does not affect Credit Given, Third Party Funds have a significant positive effect on Credit Given, Core Capital and Party Funds do not have a significant effect on Profitability, Credit Given does not have a significant effect on Profitability, Third Party Funds and Credit Given are unable to mediate the effect of Core Capital on Profitability and Credit Given is unable to mediate the effect of Third Party Funds on Profitability.

This study aims to find out and analyze the regulation of good governance principles in the Kupang City One-Stop Integrated Service and One-Stop Integrated Service reviewed from Law No. 25 of 2009 concerning Public Services. This type of research is normative legal research, namely legal research conducted by researching literature materials or secondary data, in this case laws and regulations, books and legal journals. The results presented in this study are (1) Regulation of Good Governance Principles where there are five functions carried out by the Kupang City Investment and One-Stop Integrated Services Office (2) Good Governance Principles in Ensuring Legal Certainty and Justice where there are 6 foundations or Governance Principles enforced in the Kupang City Investment and One-Stop Integrated Services Office (3)  Implications of the Principle of Good Governance in Public Services where the motto of the Kupang City Investment and One-Stop Integrated Service Office (DPMPTSP) in carrying out licensing service activities is "CEPAT" with explanations, namely meticulous, efficient, professional, accountable and transparent.

The technological revolution accelerated by Artificial Intelligence (AI) has fundamentally changed the paradigm of leadership and human resource management. Digital leadership is now an essential competency for organizations that want to survive and thrive in the face of the challenges of the technological disruption era. This research aims to understand the role of digital leadership in the human capital transformation process, especially in the context of AI adoption by modern organizations.The post-qualitative approach allows research to capture the evolving and diverse dynamics in a digitized organizational environment. It is more open to different forms of data, both structured and unstructured, and recognizes the complexity and ambiguity in digital leadership practices. This research utilizes open-ended interviews and participatory observation, facilitated by interpretive narrative to understand the process of human capital transformation. The main results of the study show that digital leadership plays a key role in facilitating human capital transformation, with an emphasis on adaptive skills development, data-driven decision-making and closer collaboration between people and technology. This transformation is not only technical in nature but also involves changes in organizational culture and structure. This research makes an important contribution by offering a new perspective in leadership studies through a post-qualitative approach.

This thesis aims to determine and analyze the simultaneous influence of cash turnover, accounts receivable turnover, and inventory turnover on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the period 2019-2023. As well as to determine and analyze the partial influence of cash turnover, accounts receivable turnover, and inventory turnover on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the period 2019-2023. This study uses a quantitative approach with secondary data, using panel data regression analysis tools. The results of the conclusions are as follows: 1) The estimation results show that simultaneously the cash turnover, receivables turnover, and inventory turnover variables together have a positive and significant effect on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the 2019-2023 period. 2) The estimation results show that partially the cash turnover variable has a positive and significant effect on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the 2019-2023 period. The receivables turnover variable has a positive and significant effect on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the 2019-2023 period, and the cash turnover variable has a positive and significant effect on the profitability of automotive sub-sector companies and their components listed on the Indonesian Sharia Stock Index for the 2019-2023 period.

The purpose of this study is to know and analyze the influence of intellectual capital and musyarakh financing on the financial performance of Sharia Commercial Banks for the 2017-2022 period. This research is a quantitative research that uses secondary data. The population in this study amounted to 13 Sharia Commercial Banks. Samples are selected using the Purposive Sampling method. In this study produced a sample of 48 observational data (8 BUS in 6 years). The results showed that Intellectual Capital partially affected the financial performance of Sharia Commercial Banks for the 2017-2022 period. Meanwhile, Musyarakah Financing does not significantly affect the financial performance of Sharia Commercial Banks for the 2017-2022 period.

The management information system applied in the government is known as the term electronic government (e-government) which is interpreted as the user of information technology transforming government activities with the aim of increasing the effectiveness and efficiency of government administration. SiCantik Cloud is a smart application for integrated public cloud-based licensing services that can be used by government agencies independently. SiCantik Cloud or an intelligent application system for integrated licensing services for the public, is intended for the public to make it easier to manage online licensing. The purpose of this study is to determine the application of the Sicantik Cloud application to Services at the PMPTSP and Naker Office and the inhibiting factors for the application of the Sicantik Cloud application to Services at the PMPTSP and Naker Office of Lhokseumawe City. This study is a study using a qualitative descriptive approach. The application of the SiCantik application to the quality of service at the Investment, One-Stop Integrated Service and Manpower Office of Lhokseumawe City is quite good, as known from several benchmarks of service quality from the Sicantik Cloud application, namely Accountability, Transparency, Effectiveness, and Efficiency. The lack of public awareness of the importance of using information technology means that many people have not been able to optimize the Sicantik application.

In the background of this research problem, namely, operating costs have increased and working capital has decreased while net profit has increased, which should make high operating costs lower profits and lower working capital lower net profit. The occurrence of this phenomenon so researchers raised this issue.This study uses quantitative research methods and sampling using purposive sampling techniques with homogeneous sampling category criteria. The results of the research found from the three variables used that have an influence, namely operating profit has a significant effect on net profit with a value of 0.0000 and after being tested simultaneously operating profit also has a significant effect on net profit with a value of 0.0000 while working capital has no effect on net profit with a value of 0.1483. From the results of the study, the authors draw a conclusion that working capital does not always decrease will make net profit decrease. excess income is based on low operating profit and high working capital.

The total foreign investment still dominates the overall investment’in Indonesia. The’substantial’amount of’foreign‘investment’in Indonesia represents a significant opportunity to enhance the knowledge and technological utilization capabilities of domestic labor. Improving the quality of domestic labor’is essential for’advancing’the well-being of the’society. This research aims to analyze the provisions regarding technology’transfer in the’Investment Law and the’role of’technology transfer’in enhancing the welfare of domestic labor. This study is of the normative juridical type with a conceptual approach. The research findings indicate that the Investment Law has regulated the obligations of investors, including foreign investors, to transfer technology to domestic labor. Technology transfer’plays a crucial role in’striving for the’welfare’of domestic labor. The’researcher found that the provisions regarding technology transfer in the Investment Law are inconsistent because the obligation to transfer technology is not accompanied by strict sanctions for investors who fail to transfer technology to domestic labor.

We analyze the decision in case Number 213 PK/Pdt/2015 PT. Parna Jaya did not make a full deposit, but only part of the shares as capital. In accordance with the provisions of Article 34 paragraph 1 of the PT Law, the founders of the company make deposits for each part of the share capital taken up in the form of money or other forms. The deposits are made by PT. Parna Jaya is land that has been agreed upon based on Basic Agreement No. WN/1317/1970. By not carrying out their obligations in paying in full the issued capital and also in implementing the distribution of dividends for shareholders who do not carry out their obligations, there will be legal consequences for the position of shareholders, so the formulation of the problem is how the right to distribute dividends from PT. Parna Jaya which did not make a full capital deposit. The results of this research are that the ownership status of shareholders who do not deposit capital in full does not have legality and validity as legal shareholders. Founders who do not fulfill their obligations will cause the founders to lose their rights to dividends and other shareholder rights.

This study aims to determine the application of good governance principles at the Wajo Regency Investment and One-Stop Integrated Services Office (DPM-PTSP), the research informants consist of staff and employees along with the public who want to take care of licensing letters at the Wajo Regency DPM-PTSP Office. This study uses a qualitative method with a descriptive approach.The results of this study show that the application of Good Governance principles at the Wajo Regency Investment and One-Stop Integrated Services Office (DPM-PTSP) has been running well, including accountability that has been effective and efficient in terms of achieving strategic objectives that contain vision, mission, goals and objectives, and activities that are equipped with performance indicators and targets to be achieved,  Transparency with the accountability of staff and employees in carrying out their respective duties which are quite professional, Participation shows that the community feels very satisfied with public services, and the Rule of Law is also very good because it is carried out fairly without discriminating against the social status of the community. The conclusion is that the application of the Good Governance Principle at the Wajo Regency DPM-PTSP office has been realized and implemented well.

This research is motivated by the tight business competition and the decline in the average value of food and beverage companies in 2020-2023. The purpose of this study was to determine the effect of profitability, capital structure, and company size on firm value. This study uses a quantitative approach with secondary data. The sample in this study amounted to 19 manufacturing companies selected using purposive sampling technique. The data analysis technique was carried out by multiple linear regression analysis with SPSS for windows version 23 software. The results showed that profitability and capital structure partially affect firm value, while firm size partially has no effect on firm value. Profitability, capital structure, and company size simultaneously affect firm value. Based on the results of the analysis and conclusions obtained, it is hoped that future companies can manage their debt in order to reduce their interest expense. For future researchers, it is recommended to add other variables such as dividend policy variables and CSR. For investors, it is advisable to consider profitability and capital structure factors in making investment decisions because it is proven that they have an effect on firm value.

Badung Regency is one of the regencies/cities in Bali Province with significant potential in the small industry sector, particularly within several Micro, Small, and Medium Enterprises (MSMEs) spread across various areas in Badung Regency. One example is Darmasaba Village, which is home to 35 small-scale tile manufacturing businesses scattered across different banjars within the village. This indicates that Darmasaba Village has a substantial number of tile industries that continue to thrive in the Abiansemal District of Badung Regency. However, over time, the clay tile industry has experienced a decline due to the availability of many alternative materials, such as concrete roofs, metal tiles, aluminium roofs, and UPVC (Unplasticised Polyvinyl Chloride) roofs. The objectives of this study are (1) to analyse the simultaneous effects of capital, work hours allocation, and business age on the income of tile manufacturers in Darmasaba Village, and (2) to analyse the partial effects of capital, work hours allocation, and business age on the income of tile manufacturers in Darmasaba Village. The data used are primary, with 35 respondents participating. The analysis technique employed is multiple linear regression. The results indicate that (1) capital, work hours allocation, and business age have a significant simultaneous effect on the income of tile manufacturers in Darmasaba Village; (2) capital and business age have a positive and significant effect on the income of tile manufacturers in Darmasaba Village; (3) work hours allocation has a negative and significant effect on the income of tile manufacturers in Darmasaba Village.

This study aims to improve the ability to analyze the text structure of the Report of Observation Results (LHO) in class X TITL 1 SMK Negeri 5 Surabaya through the application of collaborative learning methods. This research was conducted in two cycles. In cycle 1, most groups scored below the Minimum Completion Criteria (KKM). However, after improvements were made in cycle 2 by adding differentiation of the learning process according to students' learning modalities, there was a significant increase in scores. The results showed an increase in students' scores by 20% to 50%, with all groups successfully exceeding the KKM. Group 6 experienced the highest increase, from 50 to 100. This finding shows that the collaborative learning method is effective in improving the ability to analyze the structure of LHO text. The application of this method achieved maximum results, so it can be recommended as a learning strategy for similar materials in the future.      

Kemiskinan merupakan masalah kompleks yang disebabkan oleh banyak faktor yang saling terkait. Belanja operasional dan belanja modal dianggap dapat mempengaruhi tingkat kemiskinan. Tujuan penelitian ini untuk mendeterminasi pengaruh belanja operasional dan belanja modal terhadap kemiskinan di Kota Lhokseumawe. Penelitian ini menggunakan metode analisis regresi berganda untuk melihat pengaruh antara variabel independen (Belanja Operasional dan Belanja Modal) dengan variabel dependen (Tingkat Kemiskinan). Metode penelitian yang digunakan adalah metode kuantitatif.  Hasil dari penelitian ini menunjukkan bahwa belanja operasional berpengaruh negatif dan signifikan terhadap tingkat kemiskinan di kota lhokseumawe,artinya jika belanja operasional meningkat maka tingkat kemiskinan di Kota Lhokseumawe akan cenderung menurun. Namun belanja modal tidak memiliki pengaruh signifikan terhadap tingkat kemiskinan di Kota Lhokseumawe periode tahun 2007-2023. Rekomendasi kepada pemerintah daerah agar lebih memproritaskan peningkatan anggaran untuk belanja operasional serta perlu dilakukan evaluasi terhadap belanja modal.

The development of the banking industry in Indonesia is highly regarded, making the presence of banking institutions essential. It is known that the banking industry plays a strategic role in supporting the implementation of national development to enhance equitable development. To become a sufficiently good bank, measuring performance as an indicator of success is an absolute requirement. This research aims to determine whether the Risk Based Bank Rating approach can measure Financial Performance and the Risk Based Bank Rating moderated by Capital Structure can measure Financial Performance. Case study of state-owned banks listed on the Indonesia Stock Exchange in 2019-2022. This research uses secondary data and research methods used is quantitative. The results show that Non-Performing Loans have a negative impact on financial performance, the Loan to Deposit Ratio (LDR) has a significant impact on Return On Assets (ROA), the Net Interest Margin (NIM) has a positive and significant impact on financial performance measured by Return On Assets (ROA). Operating Expenses to Operating Income (BOPO) has a negative and significant impact on financial performance measured by Return On Assets (ROA). The Capital Adequacy Ratio (CAR) has a significant impact on financial performance. Capital Structure has a significant impact on Non-Performing Loans (NPL) compared to financial performance. Capital Structure significantly affects the Net Interest Margin (NIM) concerning financial performance. The capital structure between operating expenses and operating income can influence a company's performance.