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Operational risk is one of the significant challenges that can hinder the achievement of a company's goals, especially in strategic departments such as the Engineering Department. Risk identification and mitigation are important steps to ensure smooth operations and maintain the company's overall productivity and performance. This study aims to evaluate and optimize operational risk mitigation strategies in the Engineering Department of PT XYZ, which operates in the cement production sector. With a qualitative approach, this study analyzes various risks faced, including design suitability, reliability of safety monitoring, and budget management. The results show that the implementation of systematic and proactive mitigation strategies can significantly reduce potential risks that can interfere with smooth operations. In addition, this study found that effective communication with stakeholders and the implementation of feedback from customers are essential to increase customer satisfaction and trust. The resulting recommendations include the preparation of project completion time standards, periodic evaluations of performance, and more detailed mapping of budget needs. Thus, this research contributes to the development of best practices that can be adopted by other companies in the same industry. The results of this study are expected to improve PT XYZ's operational performance and strengthen its position in a competitive market.

In an era of increasingly fierce competition in the energy sector, companies are required to not only meet customer needs, but also to improve service quality and customer satisfaction in a sustainable manner. This study aims to analyze and improve the performance of the Marketing and Customer Service Division at PT XYZ by applying the 5W1H method and the Fishbone Diagram.  The study identified a number of factors that contributed to the division's low performance, including a lack of adequate training and decreased work motivation. Through in-depth analysis, this study provides strategic recommendations to improve the quality of training, the development of an integrated information system, and the establishment of clear service standards. The implementation of these recommendations is expected to improve productivity, service quality, and customer satisfaction, as well as strengthen the company's position in a competitive market.

Islamic insurance is one of the Islamic financial instruments designed to provide financial protection based on sharia principles, such as mutual help (ta'awun) and risk-sharing. As a country with the largest Muslim population in the world, Indonesia has great potential to develop this industry. Over the past five years (2018-2022), the sharia insurance industry in Indonesia has shown consistent growth, reflected in an increase in gross contribution from IDR 12 trillion in 2018 to IDR 16 trillion in 2022. However, the market share of Islamic insurance remains small compared to conventional insurance, with key challenges including limited market scale, lack of product innovation, low public literacy in Islamic finance, and intense competition with conventional products. This article aims to analyze these challenges and formulate development strategies that can be implemented to strengthen the competitiveness of Islamic insurance in the global market. This research uses a qualitative approach based on secondary data analysis obtained from industry reports, scientific journals, and official publications. The results show that the main strategies for development include product innovation oriented to the needs of the global community, digitization of services to improve efficiency and accessibility, public education to increase Islamic financial literacy, strengthening regulations to create a conducive business environment, and strategic collaboration with international financial institutions to expand market networks.

In the modern era marked by technological advances, the use of smartphones has become an important part of everyday life. This technological advancement encourages people to continue to update the way they carry out their daily activities. Smartphones make various activities easier, including long-distance communication which now feels closer thanks to sophisticated technology. This sophistication is enjoyed by various groups regardless of age or profession. The digital payment system has experienced rapid development, providing significant convenience for its users. This technology plays a strategic role in encouraging the revitalization of MSMEs by offering fast, safe, and efficient transaction solutions. In the context of developing MSME digitalization, the digital payment system not only makes it easier for business actors to manage transactions but also increases consumer convenience in shopping. With proper implementation, digital payments support the operational efficiency of MSMEs, expand market access, and accelerate the adoption of the digital ecosystem. Based on research results, the use of digital payment systems has been proven to contribute positively to the transformation of MSMEs, helping them become more competitive and able to adapt amidst changes in the increasingly digital economic landscape. This emphasizes the importance of adopting digital payment technology as an integral part of the MSME revitalization strategy. This study aims to analyze the positive impact of the use of technology, especially in online marketing, digital payment systems on the revitalization of MSMEs.

Educational psychology is a branch of psychology that focuses on understanding the learning process and the factors that influence educational success. This article aims to describe the strategic position of educational psychology in the context of the development of science and the modern education system, as well as the benefits of its application for educators, students and the educational environment. This research uses a literature review method by analyzing various relevant theories and previous research. The results of the study show that educational psychology has an important position as a bridge between learning theory and educational practice. Educational psychology helps identify students' learning styles, design effective teaching methods, and understand students' psychological needs. Apart from that, the application of educational psychology can increase learning motivation, overcome student behavior problems, and create a conducive learning environment. Thus, educational psychology not only contributes to the optimization of the teaching and learning process, but also to the holistic development of students' potential.

This study explores the role of certification standards in shaping halal supply chain practices, focusing on their impact on traceability, compliance, and operational efficiency. The primary objective is to examine how standardized halal certifications influence the development of robust and reliable halal supply chains, ensuring adherence to Islamic principles and meeting consumer expectations. Utilizing a qualitative literature review methodology, this research synthesizes findings from academic journals, industry reports, and regulatory guidelines to identify key trends and challenges in the application of halal certification standards. The findings reveal that harmonized global halal standards play a critical role in streamlining trade, enhancing supply chain integrity, and fostering consumer trust. However, inconsistencies in certification criteria across countries and limited cross-border collaboration remain significant obstacles. The study underscores the need for unified certification frameworks, strategic stakeholder engagement, and the adoption of advanced technologies such as blockchain to improve traceability and compliance. The implications of this research highlight the importance of policy reforms and collaborative efforts in strengthening halal supply chain ecosystems, contributing to sustainable growth and global competitiveness in the halal industry.

The utilization of technology to support parenting is a strategic approach to address the challenges of the digital era. This community service program aims to educate and train parents on the use of the Family Link application as a tool to limit children's gadget use. The implementation methods include socialization sessions, application demonstrations, and hands-on assistance for participants. The results indicate an increase in parents' understanding of the importance of managing screen time and controlling access to age-appropriate digital content. Furthermore, participants were able to independently apply Family Link features such as daily time limits, app restrictions, and activity monitoring. This program provides tangible contributions in promoting technology-based parenting that fosters healthy and balanced child development. However, sustaining the benefits requires active parental involvement and strengthened digital literacy within the family environment.

Hygiene and health education has an important role in supporting quality services in the tourism sector. With increasing awareness of the importance of sanitation and health, tourists are now more likely to choose destinations that prioritize cleanliness as part of their experience. This research aims to analyze the influence of hygiene and health education on service quality in the tourism sector, both from the perspective of industry players and tourists. The method used is literature study and interviews with tourism business actors in various regions. The research results show that consistent implementation of hygiene education can increase tourist confidence, create a safe and comfortable experience, and increase the competitiveness of tourist destinations. Therefore, integrating hygiene and health education programs into tourism management is a strategic step to support the sustainability of this industry.    

With the advancement of technology and computing capabilities of computers, various applications and algorithms that were previously not applicable to portable devices such as laptops and smartphones can now be applied. Artificial intelligence (AI) is one of the increasingly popular techniques that are now a part of everyday life. AI is an umbrella term that refers to the simulation of human intelligence by machines that use big data to perform various tasks. AI has benefited many aspects of human life, including education. However, AI also has significant negative effects. This study aims to study the influence of artificial intelligence on students' critical thinking skills. This study uses qualitative research and literature analysis. However, the study also identified several negative impacts, including reliance on technology, unassured information quality, social isolation, and ethical and privacy concerns. Therefore, a balanced and strategic approach is needed in integrating AI in education to ensure that its benefits can be maximized, while its negative impact is minimized.

This study explores the relocation of Indonesia's capital from Jakarta to Nusantara (IKN), a strategic initiative aimed at addressing environmental, economic, and social challenges while fostering sustainable economic growth. Utilizing a Systematic Literature Review (SLR) methodology, the research examines existing studies to assess the potential and challenges associated with the project. Key findings highlight IKN's role in redistributing economic activities, mitigating Jakarta's overpopulation and infrastructure strain, and promoting regional development in East Kalimantan. The project is expected to enhance national GDP distribution, create millions of jobs, and position IKN as a smart and sustainable urban model. However, concerns over financing, environmental impacts, and socio-cultural adaptations present critical challenges that require comprehensive strategic planning. This study contributes to the discourse on national capital relocation, providing insights for policymakers to optimize the economic and environmental benefits of this transformative endeavor.  

This study evaluates the effectiveness of BPOM’s mentoring programs for Micro, Small, and Medium Enterprises (MSMEs) in the natural medicine and cosmetics sectors in navigating complex regulatory requirements to obtain product licenses. Despite the strategic role of MSMEs in supporting Indonesia’s economy, regulatory compliance remains a significant challenge, particularly due to limited resources and market access. Previous studies have highlighted the need for adaptive regulatory approaches and mentoring programs, but gaps remain in evaluating their long-term impact and inclusivity. This study offers novelty by analyzing the program’s effectiveness across diverse demographic and educational backgrounds, providing evidence-based insights into its impact. Using a descriptive quantitative approach, data were collected through surveys involving 35 MSME participants from the “Rembuk UMKM” event. The Likert-scale questionnaire assessed regulatory understanding, program effectiveness, and its impact on license readiness. Data were analyzed using descriptive statistics, generating insights into participant perceptions. The findings show that the mentoring program is most effective among younger participants (aged 18–25 years), scoring 4.53, while maintaining high effectiveness scores across all age groups. Educational background analysis revealed the highest scores (5.00) from vocational high school (SMK) and master’s (S2) participants, highlighting the program’s inclusivity and adaptability. However, team competence scored relatively lower (4.26), indicating the need for continuous capacity building. The study concludes that BPOM’s mentoring programs significantly enhance MSME compliance and build long-term trust, with strategic recommendations for continuous training, technology-based module development, regional collaborations, and structured feedback mechanisms. These initiatives aim to strengthen program relevance and sustainability, supporting MSMEs in achieving regulatory compliance and contributing to national economic growth.

Investment regulations have an important role in encouraging economic growth and increasing national competitiveness. This research aims to analyze the effectiveness of investment regulations in Indonesia, especially in the context of attractiveness for domestic and foreign investors. This research method uses a qualitative approach with policy analysis and secondary data. The research results show that although various regulations such as the Job Creation Law have been implemented to facilitate investment, bureaucratic challenges and legal uncertainty are still the main obstacles. This research recommends strategic steps to improve the implementation of investment regulations to strengthen national economic competitiveness.

This study compares the financial performance of three manufacturing companies in Indonesia, namely PT Intan Wijaya International Tbk, PT Duta Pertiwi Nusantara Tbk, and PT Madusari Murni Indah Tbk, during the 2019-2023 period. The analysis was conducted using liquidity, activity, solvency, profitability, and market ratios to evaluate the financial health of each company. The results show that PT Duta Pertiwi Nusantara Tbk excels in liquidity ratios (average current ratio of 3.92 and average quick ratio of 3.48) as well as operational efficiency on average age of receivables (46.06 days) and inventory turnover (17.68 times). Meanwhile, PT Madusari Murni Indah Tbk has the highest solvency ratio (average TIE of 48.2% and average Fixed Charge Coverage of 8.2), although its debt-to-asset burden is also greater (debt ratio of 33%). On the other hand, PT Intan Wijaya International Tbk performed best on profitability (average ROE of 61.4%) and effectiveness of total asset utilization (average total asset turnover of 0.91). However, all three companies face the challenge of ratio fluctuations due to the impact of the COVID-19 pandemic. This study is expected to provide important insights for stakeholders in making strategic decisions, as well as contribute to the literature of financial performance analysis of the manufacturing sector.

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.

Celuk Village in Gianyar is known as the centre of silver craft with high artistic value, yet local artisans face significant challenges in maintaining sales amidst changing consumption patterns and global competition. This research aims to identify the key constraints faced by Celuk Village's silversmiths, such as limited access to digital marketing technology, lack of product innovation, and lack of understanding of modern business strategies. In addition, local constraints such as reliance on traditional marketing methods and limited training narrow the opportunities for artisans to compete in the global market.The results of the study suggest that the utilisation of digital technology, product design innovation, and improved business management skills can be strategic solutions to expand market reach and improve the competitiveness of Celuk Village's silver crafts. Support in the form of training and facilitating access to e-commerce platforms is also needed to introduce their products to modern consumers without abandoning cultural identity. The findings are expected to contribute to a sustainable silversmith empowerment programme, while supporting the preservation of local cultural heritage in the digital era.

This paper discusses the interest of traders from one of Bank Syariah Indonesia's products in providing business capital or other uses to traders in Pasar Senen Petaling Jaya. This writing uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation. The subjects of this writing include traders in Pasar Senen Petaling Jaya. From the results of this writing shows that the interest of traders regarding murabaha financing is still very lacking. This is due to several factors that cause the lack of interest of traders regarding murabaha financing, including: 1) The Knowledge Factor is due to the lack of knowledge of the products of BSI. This information helps traders to evaluate products and understand the benefits of murabaha products. traders. 2) Location Factors By choosing a strategic place that can and carry out the goals of the business objectives to achieve the desired profit and and broad marketing 3) Social Factors which are very significant in the formation and development of a person's interest 4) Promotion Factors one way of communication between the company and the wider community with the aim of introducing goods and services to the public.

Effective financial management remains a significant challenge for Micro, Small, and Medium Enterprises (MSMEs), including Moon Cafe, which previously operated without a structured system for recording cash flow. The lack of such a system impeded the ability to track financial performance and business development effectively. To address this issue, a web-based cash flow management system was introduced to improve transparency, accuracy, and efficiency in documenting financial transactions. Data collection methods such as interviews, observations, and documentation were employed to identify the needs and challenges faced by the business. The implementation results showed that the web-based system streamlined the process of real-time cash flow recording, organized financial data more effectively, and generated accurate and well-structured reports. Additionally, the system enhanced operational efficiency and offered greater financial management flexibility. With improved accessibility through digital devices, Moon Cafe can monitor its financial health more effectively and make faster strategic decisions, fostering sustainable business growth.

This study aims to analyze the relationship between environmental costs, green accounting, and corporate social responsibility (CSR) on corporate profitability, with company size as a moderating factor. The findings reveal that environmental costs can have both positive and negative impacts on profitability, depending on how these costs are managed. Green accounting has been shown to enhance operational efficiency and transparency, positively affecting profitability. Additionally, CSR offers long-term benefits for corporate image and customer loyalty, though its effects may not always be immediately apparent. Company size moderates these relationships, with larger companies having greater advantages in managing environmental and social aspects compared to smaller companies. This study highlights the importance of strategic management of environmental costs, implementation of green accounting, and execution of CSR to support corporate sustainability and profitability.

Agro-industry is a strategic sector that supports rural economic growth and food security. Agro-industry, as a strategic sector, often faces challenges in financial management, which have an impact on business stability and sustainability. This research analyzes the financial performance of the Tahu Bulat Putra Mandiri Agroindustry in Ciamis Regency based on liquidity, solvency and profitability ratios. Financial report data for the last three years (2022-2024) was analyzed using the case study method by calculating financial ratios, such as current ratio, quick ratio, debt to asset ratio, debt to equity ratio, return on assets (ROA), and return on equity (ROE). The results show fluctuations in financial performance, where the liquidity ratio is good enough to meet short-term obligations, but solvency reflects high financial risk due to dependence on debt, while profitability experiences a decrease in efficiency in generating profits. This research recommends improving capital structure, increasing operational efficiency, and business diversification to ensure the company's financial sustainability and stability.

The supremacy of knowledge plays a central role in building Islamic civilization, both in classical and modern eras. This study aims to analyze the values of the supremacy of knowledge based on the perspectives of the Qur’an, Hadith, and the thoughts of classical scholars such as Al-Ghazali, Ibn Khaldun, and Al-Farabi. Additionally, this research explores the relevance of knowledge in addressing the challenges of globalization and the dynamics of the digital age. Using a descriptive qualitative research method, primary data consisting of Qur'anic verses, Hadith, and classical scholars' works are combined with secondary data, including books on the history of Islamic civilization, scholarly articles, and contemporary references. The research findings indicate that knowledge is regarded as the main pillar in building a civilization rooted in Islamic values. The Qur’an and Hadith explicitly position knowledge as both an obligation and a path to the glory of individuals and society. The thoughts of classical scholars highlight the importance of integrating religious knowledge and general knowledge to create a balance between worldly and spiritual happiness. In the modern era, the supremacy of knowledge remains relevant as a tool to address the challenges of globalization, particularly through the use of technology and innovation based on Islamic values. This study concludes that the synergy between religious knowledge and modern science can shape a progressive and morally upright Islamic civilization. Knowledge not only serves as a medium for social transformation but also as a spiritual foundation for building a resilient Muslim identity in the contemporary era. The relevance of the values of the supremacy of knowledge provides a strategic guide for Muslims to contribute to global civilization without losing the essence of Islam.