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This research is based on the importance of shipping safety to protect passengers, crew, and the maritime environment from high risk of accidents, especially on high-speed ships that have special operational characteristics. Legal arrangements related to HSC seaworthiness have been regulated in various national regulations such as Law Number 17 of 2008 concerning Shipping, Regulation of the Minister of Transportation Number PM 12 of 2022, as well as international conventions such as SOLAS, MARPOL, and STCW. However, its application in the field still faces various obstacles. This study aims to analyze the law regarding the seaworthiness of high-speed passenger ships (HSC) and challenges in the supervision of shipping safety in the waters of the Riau Islands, with a focus on the study at Sekupang Domestic Port, Batam City. This study uses normative juridical methods to analyze applicable laws and regulations and empirical sociological methods to explore field information through interviews and observations of related parties, such as port authorities, ship operators, and crew members at Sekupang Domestic Port. The results of the study show that the implementation of HSC seaworthiness in the waters of the Riau Islands is not optimal. The main obstacles include a lack of trained human resources, inadequate inspection facilities, weak law enforcement, ineffective inter-agency coordination, and low awareness and education on the importance of maritime safety. Based on these findings, it is recommended that the Batam Special KSOP improve the competence of inspectors and supervisors through a continuous training program. The government is expected to allocate a budget for investment in modern inspection facilities and equipment. In addition, the maritime community, especially operators and crew members, need to increase their awareness and understanding of shipping safety through active participation in education and training programs. With these efforts, it is hoped that the implementation of HSC seaworthiness can be more optimal, thereby improving shipping safety in the waters of the Riau Islands.

The emergence of financial technology (fintech) has brought significant disruption to the conventional banking industry. Fintech offers faster, cheaper and more accessible financial services, which appeal to many customers, especially the younger generation. This study aims to analyse the impact of fintech on the future of conventional banking, with a focus on Bank Mandiri, one of the largest banks in Indonesia. The results show that fintech has a significant impact on various aspects of conventional banking, including: 1) Products and services. Fintech offers innovative and diverse financial products and services that conventional banks cannot access. 2) Distribution channels: Fintechs utilise digital technology to reach customers directly, without the need for physical branches. 3) Business model. Fintech has a more efficient and cost-effective business model compared to conventional banks. 4) Customer engagement. Fintech offers a more personalised and interactive customer experience. Bank Mandiri shows that the bank has taken various strategic steps to face competition with fintech, such as: developing digital services, collaborating with fintech startups, improving operational efficiency. Disputes between fintech consumers and fintech service providers can be resolved through: negotiation, mediation, arbitration, court and legal comparison with default. In addition, we also highlight the need for collaboration between government agencies, industry players, and the tech community to develop a comprehensive and adaptive regulatory framework.

Implementing management using the Kaizen 5S method is one way to find out how an organization is good and neat in managing its activities and operations. The Kaizen 5S method is a method that originates from Japan and has been adopted by countries throughout the world. Meanwhile, an earthquake disaster evacuation simulation is an activity that is made similar to when an earthquake disaster occurs with activities according to the SOP. This research aims to implement the Kaizen method and earthquake disaster evacuation simulation which has been studied in an educational organization at SDN Bulakan II in Cilegon City. The method used is applying the Kaizen method and earthquake disaster evacuation simulation. The results of the implementation conclude that the benefits of these two activities influence management and operational activities.

The research aimed to analyze how the implementation of the Accounting Information System (AIS) can improve financial efficiency and security at Rindu Lokaria Cafe which currently still manages finances manually. The method used in this research involved qualitative analysis through interviews and direct observation of the financial process at Rindu Lokaria Cafe. This research found that the lack of understanding and implementation of AIS at Rindu Lokaria Cafe led to inaccuracies in recording transactions, difficulties in inventory management, and high risks to financial data security. The results of this research stated that effective AIS implementation as proven to provide several significant benefits, including reduced errors in recording, increased operational efficiency, and better protection of financial data. AIS can hel Rindu Lokaria Cafe improve its financial performance and minimize the risks associated with manual management. This research suggest that Rindi Lokaria Cafe and other MSMEs in Indonesia consider implementing AIS as a strategic step to improve their financial efficiency and security, which will support their business growth and sustainability.

Accounting information systems are very important for companies because they can simplify operational activities and reduce uncertainty in decision making. This research aims to determine the use of the Jsmart application in the accounting information system at PDAM Mojokerto City. This research uses primary and secondary data with qualitative descriptive methods through observation, interviews and documentation. The research results show that the JSmart application used by PDAM Kota Mojokerto significantly increases accuracy, efficiency and transparency in calculating and determining billing costs. The application automates cost calculations, reduces manual errors and speeds up processes, thereby supporting strategic decision making and increasing customer satisfaction. JSmart has also proven effective in presenting accurate financial information and facilitating financial data analysis.

This study aims to evaluate the implementation of the Village Asset Management System (SIPADES) in Bengkalis Regency. The focus of the research was to assess the effectiveness of this system in helping village officials manage assets. The research was conducted in six villages using a descriptive qualitative method. Data collection was conducted through reduction, presentation and conclusion drawing. The results showed that villages in Bengkalis Regency had implemented SIPADES well. Village operators, although most of them were only high school graduates, were able to master SIPADES thanks to intensive training. However, the main obstacles are network limitations that cause system errors and downtime, disrupt operational efficiency and stability of village asset management, and make it difficult to track data in real-time. Overcoming these problems requires improved technology infrastructure and better support so that SIPADES can run smoothly and effectively in all villages.

Digitization is the process of converting information from analog form to digital form using digital technology. The process involves converting objects, images, sounds, documents, or signals into a series of numbers that describe a discrete set of points or samples. Digitization, in the context of business and industry, is an essential process for continuous development. Pre-Field Stages visited Tambangan Village in this case the MSMEs of Semarang City. Observation of MSMEs to obtain data sources and sort out the types of businesses and look for key informants taken from local MSME data and or the Tambangan Village MSME community, or individuals, who carry out their businesses independently. The place of implementation of this community service is Madin RT 02 RW 04, Tambangan village, Mijen sub-district. Interviews were conducted in-depth with an interview guide, to provide a more real picture in the research. The accommodation of the organized training needs proper adjustment and is necessary to ensure the implementation of all social media applications in the marketplace. We are a family-owned business and have been involved in supplying ready-mix concrete batching plants and equipment to the industry over the last 25 years. Open the Website or install the marketplace application. Digitalization can help minimize operational costs and reach more jobs. Digital marketing is the use of social media and other digital platforms to market products and services online.

With the use of financial analysis as a gauge for the company's financial health, this research seeks to analyze PT. Pegadaian's performance. With an emphasis on financial analysis, including liquidity, solvability, profitability, and efficiency, the study employs descriptive analysis. According to the findings, PT. Pegadaian has demonstrated strong financial performance, with its liquidity allowing for efficient risk management. Efficiency shows how well a business uses its resources to generate revenue, whereas profitability ratio shows how well it generates profits. The report stresses how crucial it is to routinely assess financial performance in order to keep the company's standing and avoid market fluctuations. The organization must adjust to boost operational efficiency and enhance community service delivery in light of technology improvements and digitalization.

The artisanal shipping industry in Indonesia, particularly in Batam and Tanjungpinang, has experienced significant stagnation and decline due to the aging fleet and fleet extinction. The background of this study is based on the importance of the artisanal shipping industry in supporting the local and national maritime economy, as well as the major challenges facing the sector in maintaining efficient and sustainable operations. The purpose of this research is to analyze the juridical factors that cause the non-development of the people's shipping industry in the area, as well as identify legal measures that can support the development of this industry.  The research method applied combines normative and empirical approaches through case studies in Batam and Tanjungpinang. Data was collected through in-depth interviews with boat owners, fishermen, government officials, and maritime law experts, as well as analysis of relevant documents. The research integrates John Austin's positive law theory, Lawrence M. Friedman's legal system theory, and systems theory to analyze interactions within the maritime legal system. The results show that burdensome regulations, lack of access to financing, declining competitiveness, as well as environmental impacts and socio-economic factors are the main causes of the underdevelopment of the community shipping industry. Strict regulations and high operational costs make it difficult for small boat owners to comply with regulations, while limited access to financing hinders fleet rejuvenation and upgrades. An aging and inefficient fleet lowers the industry's competitiveness, and environmental pollution from old vessels worsens operating conditions. Suggestions include revising regulations to simplify and reduce administrative burdens, providing accessible financing and subsidy schemes, improving port infrastructure, and training and certification programs for ship owners and crew. In addition, international cooperation is also needed to adopt technology and best practices in the shipping industry. The implementation of these recommendations is expected to support the development of the small-scale shipping industry in Batam and Tanjungpinang, improve competitiveness, and make a greater contribution to Indonesia's maritime economy.    

Public services in the scope of marriage have led to the digitization of public services combined with updating the information systems within them. Online-based public services related to marriage under the name SIMKAH (Marriage Management Information System) are a form of digitalization of public services. The implementation of online-based SIMKAH has generated various responses, especially among the public. This research aims to determine, describe and analyze the effectiveness of the Marriage Management Information System in South Tangerang City. The method used in this research is a descriptive method with a qualitative approach. Data collection techniques using interviews, observation and documentation. The results of research on the indicators for determining the targets for the SIMKAH program are still not precise because it reaches all levels of society. In terms of indicators, the socialization program is not yet optimal because socialization is carried out only when the prospective bride and groom provide administrative documents at the KUA. In terms of program objective indicators, the aim of implementing online-based SIMKAH is not yet fully efficient due to the lack of features that can maintain the operational efficiency of online-based SIMKAH. In terms of monitoring indicators, the SIMKAH program still lacks the execution that should be carried out by the person responsible, in this case collecting information in the form of suggestions and constructive input from the community.    

Delays in the completion of Port Disbursements in ship agency companies can interfere with operational performance in ship agency companies where this delay factor arises from internal and external parties. This article explains that there are still obstacles/factors that cause the process of completing a ship's Port Disbursement has not run on time due to obstacles between shipping agents, related agencies, and Port Business Entities, This research uses qualitative research with data collection and interviews, while the data collection in this study is by data reduction, and the existence of primary and secondary data sources. Based on the results of the research obtained by the researcher, the cause of the delay in completing Port Disbursement uses 4 (four) elements in the Fishbone Diagram, namely Man, Material, Method, and Machine. These factors cause operational performance in completing Port Disbursement on time which ultimately causes queues/piles of settlement files, so that this will have an impact on the company's cash flow to be unsmooth. The solution provided by the company is to continue to evaluate and improve what makes the obstacle factors experienced by the operational and financial divisions in completing the settlement.  

Abstract One of the government organizations tasked with managing affairs in its operational area in order to protect, be responsive, resolve, and rescue protected from fire is the Padangsidimpuan City Fire and Rescue Service. Performance is a term used to describe how well the implementation efforts in fulfilling the vision and mission of the organization. This research is in order to evaluate the effectiveness of the expenditure budget, namely from 2018 to 2022. The purpose of this budget capability evaluation is to assess the absorption of expenditure during the budget period. This study used a qualitative methodology combined with quantitative data collection and documentation methods. Descriptive analysis methods were used using efficiency ratios, expenditure growth analysis, operating expenditure and capital expenditure compatibility analysis, expenditure variance analysis. Based on the results of research using expenditure variance analysis, budget performance can be said to be good because there are no expenditures that exceed the budget. Analysis of expenditure growth between 2018-2022 shows positive growth. The findings of the expenditure conformity analysis show that operational costs use more of the expenditure budget than capital expenditure. In addition, with an average of 92.05%, the efficiency ratio of budget realization indicates that the use of the 2018-2022 budget is less efficient.

In the modern era, laundry services have become a practical solution for busy people. Sukmajaya Laundry, located in a strategic area in Depok, offers various services such as kilo laundry, bed cover washing, and express washing. However, despite having a wide range of ironing fragrance options, the laundry owner faces difficulties in determining which fragrance is most preferred by customers. This study aims to assist the owner of Sukmajaya Laundry in recommending the most popular ironing fragrance to customers. With this recommendation, it is hoped that new customers will no longer struggle to choose a fragrance that suits their preferences. The research employs the Weighted Product (WP) method, which combines several attributes with weighted criteria to calculate the total value. The alternative with the highest total value will be considered the best solution. This study results in a decision support system that can recommend the most popular ironing fragrance based on previous customer preferences, thereby enhancing customer satisfaction and operational efficiency at Sukmajaya Laundry.

In the modern era, laundry services have become a practical solution for busy people. Sukmajaya Laundry, located in a strategic area in Depok, offers various services such as kilo laundry, bed cover washing, and express washing. However, despite having a wide range of ironing fragrance options, the laundry owner faces difficulties in determining which fragrance is most preferred by customers. This study aims to assist the owner of Sukmajaya Laundry in recommending the most popular ironing fragrance to customers. With this recommendation, it is hoped that new customers will no longer struggle to choose a fragrance that suits their preferences. The research employs the Weighted Product (WP) method, which combines several attributes with weighted criteria to calculate the total value. The alternative with the highest total value will be considered the best solution. This study results in a decision support system that can recommend the most popular ironing fragrance based on previous customer preferences, thereby enhancing customer satisfaction and operational efficiency at Sukmajaya Laundry.

Butuh Village is one of the villages in Butuh District,  Purworejo Regency, Central Jawa Province. The villages’s need for awareness of adequate sanitation is still quite low. This can be proven by the fact that there are still many houses that do not have adequate domestik waste processing infrastructure. AS we know, if we dispose of domestik waste in the form of grey water and black water directly into the environment without a good waste processing system, it will pollute the environmen. The aim of this design is to determine the domestik wastewater treatment bulding in Butuh village using the hierarchical method.The final calculation using the hierarchical method resulted in thr selected domestic wastewater treatment being the Anaerbic Buffled Reactor (ABR) using 4 parameters in the form of maintenance operatinal cost, land area used, construction costs and removal efficiency. The Anaerobic Buffled Reactor (ABR) is planned to have 5 compartments with a BOD removal efficiency of 84%, construction cost of Rp. 67.899.607, the land area required is 45 m2, and operational costs are Rp. 2.605.281 and maintenance is relatively easy.    

Management Information Systems (MIS) are an important component in modern organizational operations which function to manage, process and disseminate information to support decision making, planning and control. This article discusses the basic concepts of MIS, including its definition, components and functions in an organizational context. MIS consists of hardware, software, data, procedures and human resources that interact to produce relevant and accurate information. The key role of MIS in improving operational efficiency, simplifying business processes, and providing timely reports to managers is explored in depth. In addition, this article also discusses the latest challenges and trends in MIS development, including issues of data security, system integration, and adoption of new technologies. Through a deep understanding of the basic concepts of MIS, organizations can more effectively utilize information technology to achieve their strategic goals.

This study is focused on the development of small and medium enterprises (SMEs) growth in Indonesia. Various literature sources have been consulted to address the existing problems, and secondary data from relevant agencies such as BPS, BI, and the Ministry of Cooperatives and SMEs have been used. The challenges faced by SMEs in enhancing their business capabilities are multifaceted, encompassing several indicators. These include insufficient capital, both in terms of quantity and sources, inadequate managerial and operational skills in organizing, and limited marketing opportunities. Moreover, there is also unhealthy competition and economic pressures leading to a restricted and narrow business scope. It is crucial to address these concerns, especially in anticipation of Indonesia's participation in the ASEAN Economic Community (AEC) and the resulting open market. It is imperative for SMEs to enhance their competitiveness. However, these problems can be effectively tackled through various policies that facilitate easy access for SMEs to the banking industry. The fact that only 13.6% of credit growth is disbursed by the banking sector demonstrates that capital-related issues can be easily resolved, subsequently impacting management and enabling the production of more competitive products. By effectively addressing the challenges posed by the AEC, the government's concerns can be better addressed.

Electronic Medical Records (RME) is an information system used to manage patient medical data electronically, which aims to improve the efficiency and quality of health services in hospitals. This study aims to evaluate the performance and effectiveness of RME in hospitals using the PIECES model. The main focus of the research is on the dimensions of Performance, Information, Economics, Efficiency, and Control to identify the strengths and weaknesses of RME and provide recommendations for improvement. This research uses the Study Literature Review (SLR) method which involves collecting and critically analyzing relevant literature from scientific journals, articles and books. The collected data is evaluated based on the dimensions of the PIECES model to provide a comprehensive picture of RME implementation. The research results show that RME can improve data access speed, system response time, and accuracy of medical information, which supports better clinical decision making. Economically, RME helps reduce operational costs and improve work efficiency. However, challenges such as network reliability, data security, and interoperability still need to be overcome to achieve the full benefits of RME. Dimension Control highlights the importance of strict security policies and user training to ensure safe and effective use.

Financial technology (fintech) has become a major driver of transformation in the global banking sector, offering innovative solutions that not only enhance operational efficiency but also expand the reach and quality of financial services. This study aims to explore how international banks integrate fintech technologies into their business strategies to remain competitive in the ever-evolving global market. By analyzing data from various sources, including case studies of leading banks and academic literature, this study highlights the strategic and operational impacts of fintech adoption. The findings indicate that the implementation of fintech not only improves transaction efficiency and security but also opens new market opportunities and promotes global financial inclusion. However, this study also identifies several challenges in fintech implementation, such as complex regulations and cybersecurity threats, and provides recommendations for effective implementation strategies to overcome these barriers.

The banking industry has a very important role in a country's economy. One of the things related to the banking sector is operational activities towards the environment. The increasing environmental damage that occurs is a form of human indiscipline in managing natural resources. Therefore, efforts that banks can make to implement environmentally friendly practices in their operational activities are green banking by considering the 5P aspects, namely People, Planet, Partnership, Peace and Prosperity. Even though banks do not contribute directly to environmental pollution, sectors that carry out business activities cannot possibly operate if they do not have capital to finance their operations and one of the financial institutions that provides capital in the form of financing is banks. So, indirectly banks play an important role in environmental sustainability. This research aims to investigate the impact of green banking on financial inclusion and the growth of Islamic banking in Indonesia. The data analysis method employed is the Seemingly Unrelated Regression (SUR) method. The research approach is associative/quantitative, utilizing secondary data obtained and processed from annual reports and sustainability reports available on the official websites of the respective companies. Additionally, references from scientific journals and previous studies on selected Islamic banks are used. The sample includes PT. Bank Central Asia Sharia Tbk, PT. Bank KB Bukopin Syariah Tbk, PT. Bank Mega Syariah Tbk, PT. Bank Muamalat Indonesia Tbk, PT. Bank Panin Dubai Syariah Tbk, and PT. Bank National Retirement Savings Account Sharia Tbk, covering the period from 2019 to 2023.