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CV. Aren Jaya is an AC service provider located in South Tangerang. In 2017 this shop began to develop by opening new and used AC sales services, AC installation services, used washing machine sales services and washing machine service services. In carrying out the company's business process activities, of course there will always be possible risks and potential risks that can threaten and disrupt business process activities. The need for a risk analysis of existing IS/IT resources in the company, using the ISO 31000:2018 method related to risk management. The purpose of this study is to minimize all possible risks that are currently being experienced or will also occur and provide appropriate recommendations regarding risks that may occur at any time. The research method used in the risk analysis uses the ISO 31000:2018 framework. The results of this risk analysis are in the form of an analysis of the possibility of existing risks, evaluations and risk mitigation plans so that they can produce improvements to existing risks. The final result of the research produces risk recommendations, so the company can adjust to the priorities of the existing risk level, so that it does not interfere with business activities at CV. Arena Jaya.  

The SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis is widely known and commonly applied in business strategy. CV Dejeefish was chosen for this SWOT analysis to help develop the company’s business strategy. The objective of this study is to identify the impact of SWOT analysis on business development and to uncover weaknesses, obstacles, and areas for improvement that could enhance the company’s efficiency, quality, and sustainability. The findings indicate that CV Dejeefish is in a relatively strong position, with more strengths than weaknesses and threats. However, CV Dejeefish still needs to implement a combination of SWOT-based business strategies and a SWOT Matrix. Firstly, in the SO (Strengths-Opportunities) strategy, the company can leverage high-quality broodstock from BBAT to expand its market, adopt the latest technology in aquaculture, and develop value-added products. Secondly, in the WO (Weaknesses-Opportunities) strategy, expanding the use of aquaculture technology and improving responsiveness to climate change and market conditions is strongly recommended. For the ST (Strengths-Threats) strategy, a focus on strict quality control, risk mitigation, and maintaining adequate capital reserves is necessary to address potential threats. Lastly, the WT (Weaknesses-Threats) strategy should involve implementing effective monitoring systems, building strong relationships with stakeholders, and conducting regular evaluations.

Credit approval prediction is one of the critical challenges in the financial industry, where the accuracy and efficiency of credit decision-making can significantly affect business risk. This study proposes an outlier detection method using the Gaussian Mixture Model (GMM) combined with Extreme Gradient Boosting (XGBoost) to improve prediction accuracy. GMM is used to detect outliers with a probabilistic approach, allowing for finer-grained anomaly identification compared to distance- or density-based methods. Furthermore, the data cleaned through GMM is processed using XGBoost, a decision tree-based boosting algorithm that efficiently handles complex datasets. This study compares the performance of XGBoost with various outlier detection methods, such as LOF, CBLOF, DBSCAN, IF, and K-Means, as well as various other classification algorithms based on machine learning and deep learning. Experimental results show that the combination of GMM and XGBoost provides the best performance with an accuracy of 95.493%, a recall of 91.650%, and an AUC of 95.145%, outperforming other models in the context of credit approval prediction on an imbalanced dataset. The proposed method has been proven to reduce prediction errors and improve the model's reliability in detecting eligible credit applications.

In an increasingly interconnected world, computer networks play a crucial role in business operations. This research focuses on the analysis of the client-server network system at PT. XYZ, which shares a building with several other companies. The objective is to evaluate the current network infrastructure, identify potential issues, and propose improvements to enhance performance and security. A qualitative approach was employed, utilizing case study methods, interviews, and observations to gather in-depth data on the network's configuration, IP address management, and security measures. The findings indicate that while the existing network functions adequately, there are significant risks associated with user access rights and the need for regular maintenance. The implications of this study suggest that implementing stricter security policies and upgrading bandwidth could mitigate risks and improve overall network reliability, thereby supporting business productivity.

Corruption is one of the biggest challenges for many companies in various industries. Implementing an anti-corruption policy is an important step in maintaining integrity, reputation and continuity of the institution. This article explains how companies can design and implement effective anti-corruption policies. Key elements of this policy include employee training, internal audits, transparency of business processes, and the application of strict sanctions for violations. Furthermore, a culture of integrity in the work environment must be built through good examples from top management. Technology can also facilitate monitoring and oversight and reduce the risk of corruption. With strict guidelines and the support of all stakeholders within the company, anti-corruption efforts can be implemented more effectively and help companies achieve sustainable growth.

Investment is a type of economic activity. Behind all wealth there is zakat. If wealth is not used in a useful way, it can be taken away by zakat over time. One of the good things about zakat is that it encourages all Muslims to use their money in ways that are productive. Only the profits from investments are subject to zakat, not the assets themselves. Everyone should know about the ethics of investing to make sure they don’t invest in things that are not allowed in Islam. Not knowing about Islamic investment can lead people to make bad decisions and act in ways that go against Islamic law. The desire for big profits is one reason people might make wrong choices. Investment is a kind of business, and it has risks because it involves uncertain things, which can lead to uncertain or unstable results. Islam encourages people to take action and be prepared through investing. Putting money in an Islamic bank is also considered an investment because the outcome is not certain.

Micro, Small and Medium Enterprises (MSMEs) play an important role in the economy, but often find obstacles in coping with risks and adjusting to market changes. Lack of knowledge and skills in risk management can affect the sustainability of a business, especially in the midst of increasingly complicated market changes. This community service activity aims to strengthen the ability of MSME human resources (HR) to manage risks and formulate strategies to adapt to changes in the market. This activity was carried out in Central Cikarang MSMEs using interactive training and mentoring methods. The material presented consisted of an introduction to business risks, strategies to reduce risks, and adjustment actions to changes in the market, which include aspects of technology, regulations, and consumption patterns. The method applied was a combination of theory and case analysis related to the situation of MSMEs in the area. The results of the activity showed that there was an increase in the participants' understanding and awareness of the significance of risk management to maintain business continuity. Participants also gained practical skills in recognizing risks and designing adaptation plans that are suitable for the business situation they face. Through this activity, it is hoped that MSMEs can become stronger in the face of market uncertainty and be able to grow sustainably.

The arrival of foreign investors in the development of the IKN must be followed by legal protection for foreign investors because it is very important to attract and retain investors who come. Legal protection provided to foreign investors consists of guarantees of legal certainty, guarantees of protection for foreign investors against non-commercial risks, guarantees of equal treatment for all investors and guarantees against nationalization and other takeover actions. The purpose of this study is to provide legal certainty for Foreign Direct Investment (FDI) in the government cooperation scheme with KPBU in the IKN. In conducting this research, the author uses a normative legal research method and is descriptive analytical in nature. The legal sources that form the basis of the KPBU scheme are regulated in Law No. 25 of 2007 concerning Investment, and Presidential Regulation No. 38 of 2015 which regulates KPBU in the provision of infrastructure. In addition, the government also provides support in the form of guarantees for investors, which aims to minimize the risks faced by the Implementing Business Entity (BUP) in infrastructure projects in the IKN. Projects such as Palapa Ring and SPAM Umbulan are real examples of the success of the KPBU scheme in the context of national infrastructure.

In carrying out economic development in Indonesia, it has an impact on the rampant environmental damage which means the rampant environmental crimes that occur in Indonesia. Basically, these development activities contain the risk of environmental pollution and damage. Lack of supervision of environmental management permits by authorized agencies, law enforcement officers who are less than optimal in enforcing environmental law and weak criminal sanctions and compensation applied to business actors who violate, cause a lack of deterrent effect on business actors who violate. In addition, the desire of business actors who only prioritize profit and do not care about environmental recovery by ignoring the management of solid waste of Hazardous and Toxic Materials (B3) which can have a fatal impact on the environment. Management of hazardous and toxic waste (B3) in Indonesia is guided by Government Regulation Number 101 of 2014 concerning Management of Hazardous and Toxic Waste (B3) and Law Number 32 of 2009 concerning Environmental Protection and Management. B3 waste is a waste or waste whose nature and concentration contain toxic and hazardous substances so that directly or indirectly it can damage the environment, disrupt health, and threaten the survival of humans and other organisms. B3 waste is not only produced from industrial activities but household activities can produce several types of this waste. The method used is normative legal research by examining the regulations and laws that regulate it. This study aims to determine the relationship between positive legal regulations and the problem of B3 waste and how to overcome this B3 waste so that the environment is maintained.    

This research aims to underscore the significance of women's emotional intelligence in enhancing the effectiveness of the Board of Directors, a crucial component of internal governance, particularly during crises. Despite strides made in recent decades in appointing women to senior roles in government, business, and education, challenges persist in improving women's leadership opportunities, especially in developing countries. The study utilizes statistical methods, including Pearson's correlation, to analyze the relationships between variables within a sample of banks listed on the Iraqi securities market, comparing periods before and during the COVID-19 pandemic (2019 and 2020). The goal is to measure the impact of female emotional intelligence on the Board of Directors' ability to manage crises, focusing on variables such as conservative accounting policies, Board compensation and benefits, meeting frequency, the ratio of external auditor fees to enterprise capital, enterprise capital, share profitability, and the market-to-share profitability ratio. Findings indicate that emotional intelligence (measured by the number of females on the Board) positively influences conservative accounting policies and meeting frequency during crisis periods. Conversely, the pre-crisis period showed a negative relationship, suggesting a proactive and risk-responsive stance by women during crisis. Additionally, the study observed an inverse relationship between crisis periods and both Board compensation and external auditor fee ratios, implying a cost-reduction strategy facilitated by female emotional intelligence. The crisis period also saw an increase in the profitability of individual shares and the market-to-share profitability ratio. The research recommends expanding the study to compare the role of emotional intelligence in Boards between developing and developed economies.

This study aims to find out and analyze the legality of foreign investment registration in the online single submission risk based approach (Oss-RBA) system in Indonesia. This research is a normative research using primary, secondary and tertiary legal materials collected by tracing or searching and documentation studies, the legal materials that have been collected are processed and analyzed in several stages, namely inventory, identification, classification and systematization. The results of the study show that (1) Law Number 25 of 2007 concerning investment has been in compliance with TRIMs. (2) Foreign investment business licenses in the Oss-RBA system are not considered to violate TRIM's because they are not regulated in the illustration of the violation of the TRIM's agreement.     

The use of anime as a business mark without the permission of the creator or copyright holder of the anime is an infringement of copyright. Copyright infringement of the use of anime as a business mark may be subject to criminal sanctions and/or civil sanctions. The type of research that the author uses is Normative legal research (Library Research) which is carried out by examining library materials (secondary data) or legal materials such as reviewing theories, laws and regulations (law in book) related to this writing through literature studies. The legal consequences of using anime as a business brand without permission can be subject to sanctions which are based on Law Number 28 of 2014 concerning copyright described in Article 9 paragraph (1), Article 112 paragraph (1), Article 113 paragraph (1), also in Law Number 20 of 2016 concerning trademarks and geographical indications which are regulated in Article 100 paragraph (1), (2) and (3).Before using anime as a trademark, business actors must ensure that they have obtained official permission from the copyright holder to avoid the risk of legal sanctions.

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

Customer segmentation plays a pivotal role in driving marketing strategies and improving customer retention across various industries. This study explores the application of the RFM (Recency, Frequency, Monetary) model for customer segmentation in a Software-as-a-Service (SaaS) business, using Python for efficient data processing and analysis. By analyzing one year of customer purchase data, we segmented customers into key groups such as "Champions," "Loyal Customers," and "At Risk." The results highlight that targeted discount strategies significantly affect profitability, especially for high-value customer segments. Furthermore, the research builds upon existing methodologies, demonstrating how Python-based implementations streamline RFM analysis and allow for scalable solutions in business contexts, as illustrated in prior works by Hermawan et al. (2024). This study offers actionable recommendations, including tailored discounting, loyalty programs, and personalized engagement strategies, to enhance customer retention and business profitability. The findings underscore the importance of data-driven marketing approaches for customer segmentation and engagement, reinforcing the relevance of the RFM model in modern business environments.

The purpose of this research was to identify the influence of profitability, debt to equity and sales growth on financial distress in companies listed on the Indonesia Stock Exchange (BEI). The dependent variable tested is financial distress which is calculated using the Altman Z-score. Companies listed on the Indonesia Stock Exchange (BEI) face a number of economic and financial challenges that require careful risk management strategies. One of the main challenges that can threaten business continuity is the risk of financial difficulties. The research applies a purposive sampling method. The research sample consisted of 70 data or the equivalent of 14 companies listed on the IDX in the mining sector for the 2018-2022 period. The data analysis method used is multiple linear regression analysis with SPSS 20 application tools. The results of statistical test research show that profitability has a significant effect on financial distress because the significance value is <0.05, while debt to equity and sales growth have a positive and no effect. significant for financial distress because the significance value is >0.05. The results of the F statistical test show that profitability, debt to equity and sales growth have a significant and equal effect on financial distress because the significance value shows <0.05.

Education regarding the prevention of online gambling and drugs is a crucial step in building public awareness of the dangers posed by these two phenomena. Jorong Bayang Tengah, an area with a population consisting mostly of young families and teenagers, is the focus of this prevention effort. This program aims to provide an in-depth understanding of the risks of online gambling and drug abuse, as well as strengthening community social resilience through various educational approaches. The methods used include direct outreach, dissemination of information through print and digital media, as well as interactive discussions involving all elements of society, including traditional leaders, youth and security forces. Through this activity, it is hoped that collective awareness will be created to prevent and fight the practice of online gambling and drug abuse. Initial results from this program show an increase in public understanding of the negative impacts of online gambling and drugs, as well as the emergence of community initiatives to maintain a healthy and safe social environment. It is hoped that this effort can continue on an ongoing basis, so that Jorong Bayang Tengah can become a model for other regions in implementing similar prevention programs.

This article discusses the importance of innovation in management control systems in the digital era. During the pandemic, significant shifts occurred in business, education, and public services, pushing organizations to adopt new technologies such as artificial intelligence (AI) and cloud computing to enhance efficiency and competitiveness. The article also addresses challenges companies face in managing cybersecurity risks, data privacy, and the need for robust regulations to protect personal information. Additionally, digital technologies like e-learning play a crucial role in facilitating the learning and personal development process, especially during the pandemic. Collaboration between sectors and nations is key to addressing these global challenges.

This study aims to critically analyze how accounting policies implemented in insurance companies contribute to effective risk management and overall financial stability. As the business environment becomes increasingly complex and competitive, insurance firms must adopt robust accounting policies that not only facilitate accurate financial reporting but also enhance their ability to identify, assess, and manage various risks. By employing a mixed-methods approach that integrates both qualitative and quantitative data, this research will explore the intricate relationships between accounting policies, risk management strategies, and their subsequent impact on the financial performance of insurance companies. The study will first provide a theoretical framework that outlines the significance of sound accounting practices in the context of risk management. It will then delve into empirical analysis through case studies of selected insurance companies, assessing how their accounting policies influence risk assessment and mitigation processes. Data will be collected via surveys and interviews with key stakeholders, including financial managers, risk officers, and auditors, to gather insights on the effectiveness of these policies in practice. Furthermore, this research will evaluate the correlation between specific accounting practices and key performance indicators, such as profitability, solvency, and liquidity ratios. By identifying best practices and potential areas for improvement, the study aims to offer practical recommendations that can enhance the alignment between accounting policies and risk management efforts. Ultimately, this research seeks to contribute to the existing literature on accounting and risk management in the insurance sector, providing valuable insights that can inform policy formulation and strategic decision-making within the industry. Through this comprehensive evaluation, the study aspires to foster a deeper understanding of how effective accounting policies can serve as a foundation for robust risk management frameworks, thereby promoting long-term financial stability in insurance companies.

This article discusses the importance of business legality, especially in obtaining Business Identification Numbers (NIB) and Halal Certificates for Micro, Small and Medium Enterprises (MSMEs) in Gentong Village, Pasuruan. Gentong District has many MSMEs that play an important role in the local economy, but face challenges in understanding and managing business legality, which results in limited access to wider markets. This article highlights the mentoring program carried out using the Service Learning method, which involves direct interaction between academics, students and MSME actors. This program aims to increase the understanding and skills of MSME players in managing NIB and Halal Certificates, as well as overcoming bureaucratic obstacles which often become obstacles in managing business legality. Through this approach, MSME players are expected to be able to increase the competitiveness and sustainability of their businesses. This article also examines relevant theories, such as Legitimacy Theory, Social Capital Theory, and Market Access Theory, which support the importance of business legality in building reputation, expanding markets, and reducing legal risks. The results of this mentoring program show that with adequate business legality, MSMEs in Gentong Village are able to expand business networks, increase credibility, and access larger market opportunities, both at the local and international levels. Thus, business legality is not only an administrative fulfillment, but also an important business strategy for the growth and sustainability of MSME businesses amidst increasingly tight market competition.

Hedging is a financial instrument that uses a risk management approach to neutralize systematic risk against changes in prices or cash flows: individuals and businesses. One alternative that can be done to minimize this risk of banking is hedging. (Hasanah, 2022). This study analyzes hedging strategies to achieve optimal risk management in banking companies. The object of the study is the banking industry, both conventional and sharia, listed on the IDX with an observation period of 2019-2023. The targeted outputs are scientific publications and national journals. The results of the study are Hedging strategies: (1) Forward Contract, (2) Futures Contract, and (3) Money Market. Hedging strategy implementation techniques are (1) Arbitrage (2) Diversification (3) Average down (4) Cash closing.