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Tsania Salma; Kuhasumi Agyta Hidayah; Ananda Della Putri Cahyani; Kamelia Riskia Putri; Selvi Rahmadani +1 more

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine the implementation of Qardhul Hasan in Islamic Microfinance Institutions (Baitul Maal wat Tamwil – BMT) in Indonesia through the perspective of qard and ‘Ariyah contracts. The research applies a qualitative descriptive approach using a library research method. Data were collected from scholarly articles, books, and Islamic finance regulations, then analyzed to assess the alignment between fiqh al-mu‘āmalah principles and real-world practices. The findings reveal that qardhul hasan plays a vital role in community empowerment and in promoting Islamic financial inclusion. However, its implementation still faces several obstacles, including high non-performing financing rates, limited social funds, weak sharia supervision standards, and low literacy in fiqh mu‘āmalah among BMT managers. On the other hand, there are significant opportunities for development through digital transformation, human resource capacity building, optimization of social funds (ZISWAF), and the strengthening of regulations based on maqāṣid al-sharī‘ah. This study proposes an integrative model combining qard and ‘ariyah contracts as an alternative approach to enhance the social function of BMTs while maintaining financial sustainability.

Meril Nawasabila; Natasa Lintang Safira; Mohammad Zain Al Ghifari; Galang Amru Octavian Ramadhana Al-Rizky; Amalia Nuril Hidayati

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Digitalization has become a key factor driving global economic transformation, including the development of the Islamic economy in Indonesia. The purpose of this study is to evaluate the opportunities, challenges, and strategies for advancing the Islamic economy in the digital era through a literature-based research method. Information was gathered by reviewing documents, articles, and relevant literature related to the digitalization of the Islamic economy, including analyses of Sharia-compliant fintech, halal e-commerce, and digital Islamic banking.The findings indicate that digitalization offers numerous opportunities to enhance service efficiency, expand access to Islamic financial services, strengthen the capacity of MSMEs, and accelerate the growth of the halal industry. However, the digital transformation process also presents several challenges, such as low levels of digital and Islamic financial literacy, potential data breaches, the spread of misinformation, regulatory inefficiencies, and legal uncertainties associated with emerging technologies such as Sharia-compliant blockchain. In addition, digital inequality and ethical issues must be addressed to ensure alignment with the principles of maqāṣid al-sharī‘ah.This study highlights the importance of implementing a comprehensive Sharia-based development strategy through regulatory strengthening, education on digital ethics, enhanced supervisory functions, and collaboration between the government, academia, industry players, and society. With the right approach, digitalization can become a significant tool in building an Islamic economic ecosystem that is just, inclusive, and sustainable.

Indra Firmansyah; Akhmad Wahyu Nur Ikhsan; Bahril Aziq; Nurfatkhan Hamzah Firmana; Sutrisno Sutrisno

Globe: Publikasi Ilmu Teknik, Teknologi Kebumian, Ilmu Perkapalan 2025 Asosiasi Riset Ilmu Teknik Indonesia

Bridge planning is a fundamental aspect in the development of transportation infrastructure that functions to connect regions, facilitate traffic flow, and support economic and social growth in the community. This study aims to comprehensively examine the stages of bridge planning, from identifying traffic needs and analyzing geotechnical conditions to selecting a structure type, and evaluating technical, economic, and environmental aspects. The methods used include field surveys, traffic data collection, design load analysis, and structural simulation using modeling software. The study results indicate that bridge type selection is not only determined by load capacity and cost efficiency, but must also consider sustainability, aesthetics, and the impact on the surrounding ecosystem. This study emphasizes the importance of integrating technical, social, and environmental aspects in bridge planning, so that the resulting design can provide a safe, efficient, and sustainable solution. Thus, bridge planning is not merely a technical process, but also a development strategy that supports connectivity and community welfare.

Thesa Monica; Ismaniar Ismaniar; Lili Dasa Putri

Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This article analyzes the challenges and solutions surrounding funding for Early Childhood Education (ECE) institutions in Indonesia, with a particular focus on the high dependence on parental fees and the limited availability of external support. ECE plays a crucial role in supporting children’s development during their early years; however, many institutions struggle with financial instability due to inadequate and inconsistent funding sources. This study uses a literature review approach by synthesizing relevant books, journal articles, government regulations, and institutional reports to provide a comprehensive understanding of the funding landscape. Findings show that most ECE institutions rely heavily on parental contributions, causing financial vulnerability, limiting program development, and reducing access for low-income families. Government assistance through the Operational Education Assistance (BOP) remains insufficient and often delayed. Meanwhile, collaborations with the private sector, CSR programs, and community-based support are still minimal. Financial challenges negatively affect institutions’ ability to provide adequate facilities, ensure teacher welfare, and implement holistic-integrative learning programs. The study suggests several solutions, including strengthening financial management capacity, applying participatory budgeting, diversifying funding sources, and initiating creative economic programs such as school bazaars and community partnerships. These strategies are expected to improve sustainability and enhance the quality of ECE services in Indonesia.

Sahala Fransiskus Marbun; Claurisa Tri Milda Purba; Dinda Aprilia; Lajuardi Putra Beheng Sinulingga

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This study aims to analyze the social quality of the population in Medan Estate Village through three main indicators: life expectancy, employment conditions (salary), and education level. A quantitative approach was used, utilizing demographic and socioeconomic data obtained from relevant agencies and field surveys. The analysis results indicate that life expectancy in Medan Estate Village is in the fairly good category, supported by relatively adequate access to healthcare. However, job quality and income levels remain diverse, with the majority of residents working in the informal sector, which offers salaries below the regional average. The population's education level tends to increase, although intergenerational gaps remain. Overall, this study confirms that the social quality of the community in Medan Estate Village is influenced by the relationship between health conditions, economic capacity, and educational attainment. These findings are expected to inform the formulation of more targeted social development policies.

Rahmawati Apia; Liliana Liliana; Sri Rahayu Wulaningsih; Deta Septea

Akuntansi Pajak dan Kebijakan Ekonomi Digital 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Poverty remains a central issue in regional development, particularly in areas with pronounced economic disparities such as South Sumatra Province. This study aims to examine the effect of Gross Regional Domestic Product (GRDP) on the poverty rate across regencies and cities in South Sumatra during the period 2020–2024. A quantitative research approach was employed using panel data regression analysis, supported by descriptive statistics and classical assumption tests. The empirical findings indicate that GRDP has a negative and statistically significant effect on poverty, suggesting that an increase in regional economic capacity contributes to reducing poverty levels. However, the relatively small coefficient signifies that economic growth has not been fully inclusive and is influenced by the structural characteristics of each region. The Fixed Effect Model was identified as the most appropriate specification, highlighting the existence of heterogeneity across districts that shapes the relationship between GRDP and poverty. These results underscore the need for development strategies that not only promote economic growth but also ensure an equitable distribution of its benefits through the reinforcement of labor-intensive sectors, enhancement of human capital, and strengthening of local economic structures. The study provides valuable insights for regional policymakers in designing more effective and sustainable poverty alleviation strategies.

Danar Hafidz Adi Wardhana; Achmad Fauzi Kusmin; Muhammad Sajidin; Riady IK

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Village Community Institutions (LKD) play a strategic role in supporting village governance and the implementation of community-based development. However, various challenges remain for many LKDs, particularly in terms of institutional capacity, regulatory understanding, and collaboration among stakeholders. This community service activity aims to strengthen the capacity of the LKD of Pamboborang Village, Banggae Sub-District, Majene Regency, in supporting sustainable village development. The activity was conducted through interactive lectures focusing on improving understanding of institutional functions, strategic roles in planning and monitoring development, and the importance of synergy between the LKD, village government, and the community. Participants included LKD members, village officials, and local community representatives. The results showed an increase in participants’ understanding of the main duties and functions of LKDs, along with a growing collective awareness of the importance of local institutional roles in sustainable development. This activity serves as a tangible contribution to transforming village governance through institutional empowerment. In the future, follow-up actions such as continuous mentoring and practice-based training will be needed so that LKD institutional capacity can develop systematically and independently.

Danar Hafidz Adi Wardhana; Achmad Fauzi Kusmin; Muhammad Sajidin; Riady IK

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Village Community Institutions (LKD) play a strategic role in supporting village governance and the implementation of community-based development. However, various challenges remain for many LKDs, particularly in terms of institutional capacity, regulatory understanding, and collaboration among stakeholders. This community service activity aims to strengthen the capacity of the LKD of Pamboborang Village, Banggae Sub-District, Majene Regency, in supporting sustainable village development. The activity was conducted through interactive lectures focusing on improving understanding of institutional functions, strategic roles in planning and monitoring development, and the importance of synergy between the LKD, village government, and the community. Participants included LKD members, village officials, and local community representatives. The results showed an increase in participants’ understanding of the main duties and functions of LKDs, along with a growing collective awareness of the importance of local institutional roles in sustainable development. This activity serves as a tangible contribution to transforming village governance through institutional empowerment. In the future, follow-up actions such as continuous mentoring and practice-based training will be needed so that LKD institutional capacity can develop systematically and independently.

Fidyah Yuli Ernawati; Hendrayanti, Silvia; Junaidi, Achmad; Sukarsono Sukarsono

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

This community service activity aims to improve the soft skills capacity of the Ibu-Ibu Mekar community in Semarang City to face the demands of the Society 5.0 era. The program was implemented through four stages: needs assessment, participatory planning, training, and mentoring. The methods used included interactive lectures, group discussions, role-play, and contextual practice. The results of the activity showed significant improvements in participants' communication, creativity, collaboration, and problem-solving skills. In addition, several participants began to demonstrate informal leadership roles and greater involvement in community activities. These findings indicate that the experience-based participatory mentoring approach is effective in strengthening women's empowerment and preparing communities for socio-technological change. The program also helped participants develop adaptability to change, increased self-confidence, and facilitated the formation of broader social networks in their communities. Empowering women through soft skills development is expected to create a more resilient community in facing the challenges posed by digital transformation in the Society 5.0 era. This program emphasizes the importance of sustainable soft skills development as a foundation for community resilience in the Society 5.0 era.

Juwita Siregar; Modella Raghel Monika; Aulia Putri Nadifa; Natasya Melinda Puspita

Jurnal Hukum dan Sosial Politik 2025 International Forum of Researchers and Lecturers

This study analyzes the role of the Golkar Party of Serang City in the formulation and oversight of Regional Regulation Number 11 of 2019 on the Implementation of Tourism Business Governance using the Institutional Analysis and Development (IAD) framework. The study aims to examine how political party institutions perform their functions in local legislative processes, particularly in terms of public representation, interest articulation, and policy oversight. A qualitative case study approach was employed, involving in-depth interviews with party actors and members of the Regional House of Representatives (DPRD), as well as document analysis of relevant policy materials. The findings reveal that Golkar’s role in the formulation and supervision of the regulation was predominantly carried out by its legislative faction through informal mechanisms, while the party’s organizational structure played a limited institutional role. The process of absorbing public aspirations was relatively constrained and tended to favor groups with close social and political ties, indicating that the party has not fully exercised its functions of public articulation and accountability. From the perspective of the IAD framework, this condition reflects weaknesses in internal rules, actor capacity, and interaction mechanisms within the party as a political institution in the policy arena. Therefore, strengthening Golkar’s institutional capacity is essential to enable a more substantive, responsive, and inclusive role in local legislative and policy oversight processes

Marthen Mau

Sinar Kasih: Jurnal Pendidikan Agama dan Filsafat 2025 Sekolah Tinggi Teologi Injili Arastamar (SETIA) Ngabang

Christian religious education (Christian Religious Education) teaching still lacks the capacity to facilitate students' development of LOTS and HOTS. Therefore, students need to be actively involved in the learning process. Students are unable to complete difficult-level questions due to their low-level thinking skills, but they still tend to complete lower-level questions. This study aims to integrate low-level and high-level thinking skills into the Christian Religious Education (Christian Religious Education) learning process. Using qualitative research with a library approach, the results revealed students' ability to understand Christian Religious Education material through the integration of low-level (LOTS) and high-level (HOTS) thinking skills. The study concluded that LOTS and HOTS can be integrated into Christian Religious Education (Christian Religious Education) learning, enabling students to answer both easy and difficult questions when given by educators in classroom assessments and solve problems encountered in real life. Therefore, Christian religious education needs to focus on developing these two thinking skills in order to improve the overall quality of learning.

Dea Novica Putri; M. Avan Dwi Adi Nur Kholiq; Ahmad Mush`ab Ridlo Arjuan; Saidatus Sholeha; Ainnur Iqtaara Meilani +2 more

Akuntansi Pajak dan Kebijakan Ekonomi Digital 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to explore the potential of Ajung Village, Kalisat District, Jember Regency, through an analysis of the management planning of a Village-Owned Enterprise (BUMDes) as an instrument of development and community empowerment. Although Ajung Village has significant economic potential, particularly in the agricultural sector, micro-enterprises, and other local economic activities, BUMDes management is still not optimal. This is evident in the lack of a directed business plan, weak coordination between administrators, and minimal evaluation of the business units being run. This study also assesses the role of the village government in supporting BUMDes development and the extent to which community participation can drive the effectiveness of existing programs. Using qualitative descriptive methods through interviews with the village government, BUMDes administrators, and the community, the results show that although community participation is relatively high, the managerial capacity of the administrators remains a major challenge. Lack of training, understanding of financial governance, and the lack of potential mapping have prevented the village BUMDes from functioning optimally as a driver of the village economy. Therefore, this study designs strategies to increase the effectiveness of BUMDes by strengthening the capacity of administrators, optimizing local potential, and synergizing the village government with the community.

Margaret Simangunsong; Zamzami Zamzami; Parmadi Parmadi

Jurnal Ekonomi dan Pembangunan Indonesia 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to: 1) identify and analyze the degree of fiscal decentralization and the level of financial independence of regencies and cities in North Sumatra Province during the period 2015–2024; and 2) analyze the variation in regional revenue realization based on its components, as well as the variation in regional financial capacity across regencies/cities during the same period. The methods used in this research include the Fiscal Decentralization Degree Ratio (DDF), the Regional Financial Independence Ratio (RKKD), and a Two-Way ANOVA test, supported by SPSS 20 software. The findings show that the degree of fiscal decentralization remains relatively low from year to year, indicating a strong dependence on central government transfers. Similarly, the regional financial independence ratio is also categorized as low, with an instructive pattern of relationship, meaning that regional governments still have limited ability to finance development needs independently. The Two-Way ANOVA test results reveal significant differences in regional revenue realization both across regencies/cities and across years within the study period. The largest variations are attributed to the differing characteristics of each regency/city, including economic potential, effectiveness in managing locally generated revenue, and variations in regional fiscal structures. These findings highlight the importance of enhancing fiscal capacity and optimizing local revenue sources throughout North Sumatra.

Budiyono , Rokhmad; Fidyah Yuli Ernawati

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The transition toward Society 5.0 demands a workforce capable of integrating technological proficiency with strong human-centered soft skills. This community engagement program aims to enhance the digital mindset and soft skills of PKK women in Boja District, Kendal Regency through a structured mentoring model rooted in human-centered learning principles. Using a needs assessment, experiential training sessions, and group mentoring, the program focused on increasing participants’ abilities in digital literacy, communication, collaboration, creativity, and community-based leadership. The mentoring activities revealed significant improvements in participants’ understanding of basic digital functions, such as the use of smartphones for communication, information access, and household economic opportunities. Engagement in interactive sessions—such as role play, guided discussions, and problem-solving simulations—strengthened participants’ confidence, interpersonal communication, and teamwork skills. Furthermore, several participants demonstrated emerging leadership abilities, particularly in facilitating peer learning and supporting other members during digital practice activities. These findings align with recent literature emphasizing the effectiveness of contextual digital training and experiential adult learning in promoting behavioral change and improving community readiness for technological transformation. Overall, the program successfully enhanced the participants’ readiness to face the challenges of Society 5.0 by fostering digital mindset growth, essential soft skills development, and strengthened leadership capacity. The results indicate that human-centered mentoring can serve as a sustainable approach to empowering local communities and improving their competitiveness in the digital era.  

Dyulius Thomas Bilo; Anggi Laurencia

Sinar Kasih: Jurnal Pendidikan Agama dan Filsafat 2025 Sekolah Tinggi Teologi Injili Arastamar (SETIA) Ngabang

This study aims to evaluate the effectiveness of the Christian Religious Education (CRE) program in enhancing the quality of classroom learning through a qualitative approach. The main focus of this research includes the planning, implementation, and evaluation of the CRE program, as well as its contribution to improving students' understanding of Christian values, character formation, and active participation in the learning process. Data were collected through direct classroom observation, in-depth interviews with teachers and students, and document analysis of learning tools and the curriculum used. The findings indicate that a contextually designed CRE program that aligns with students' needs can create a more reflective and participatory learning environment. Teachers with both pedagogical and spiritual competence play a crucial role in effectively communicating Christian values through teaching methods, exemplary behavior, and daily interactions with students. Furthermore, the integration of learning content with real-life situations encourages students to internalize Christian teachings in their attitudes and behaviors, both in school and in their daily lives. However, the study also identified several challenges, such as limited instructional time, a lack of value-based learning media development, and difficulties in motivating students with weak spiritual backgrounds. Therefore, strengthening teacher capacity, developing more creative teaching methods, and institutional support from schools are essential to optimize the role of CRE in fostering a holistic and transformative learning experience.

Fidyah Yuli Ernawati; Hendrayanti, Silvia; Junaidi, Achmad; Sukarsono Sukarsono

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

This community service activity aims to improve the soft skills capacity of the Ibu-Ibu Mekar community in Semarang City to face the demands of the Society 5.0 era. The program was implemented through four stages: needs assessment, participatory planning, training, and mentoring. The methods used included interactive lectures, group discussions, role-play, and contextual practice. The results of the activity showed significant improvements in participants' communication, creativity, collaboration, and problem-solving skills. In addition, several participants began to demonstrate informal leadership roles and greater involvement in community activities. These findings indicate that the experience-based participatory mentoring approach is effective in strengthening women's empowerment and preparing communities for socio-technological change. The program also helped participants develop adaptability to change, increased self-confidence, and facilitated the formation of broader social networks in their communities. Empowering women through soft skills development is expected to create a more resilient community in facing the challenges posed by digital transformation in the Society 5.0 era. This program emphasizes the importance of sustainable soft skills development as a foundation for community resilience in the Society 5.0 era.

Agus Rustamana; Zidah Fadzilah; Erika Cahaya Safitri; Muhammad Reza Pahlevi; Faza Amania +1 more

Jurnal Insan Pendidikan dan Sosial Humaniora 2025 International Forum of Researchers and Lecturers

Development in Banten Province has created conflict in development due to the dominance of a minimalist modern science approach, which prioritizes economic growth while ignoring environmental carrying capacity and socio-cultural values. As a result, Banten faces a serious environmental crisis, as evidenced by high emissions of air pollutants (PM2.5, SO2) and river water pollution by industrial waste. This study aims to analyze the negative impacts of this disorganized model and propose a comprehensive solution framework. This study formulates the Holistic Development Model (HDM). The HDM is a transformative solution that synergistically integrates three pillars: Modern Science (providing technology and data), the Ecosystem Approach (providing a systemic framework and nature-based solutions), and Local Cultural Values ​​(forming the basis of ethics and social motivation) through a Systematic Literature Review and Conceptual-Case Analysis. The implementation of MPH in case studies such as Integrated Coastal Management and Integrated Agriculture demonstrates that this integration produces high-yielding, equitable, and sustainable systems. In conclusion, MPH is a crucial strategy for Banten to shift from destructive development to equitable, resilient, and locally rooted development, making ecosystem health a key measure of success.

Rati Awaliah; M. Dio Triyoga; Nabila Chairunissa; Nazla Nur Riastini; Ririn Zuhairini

Jurnal Siti Rufaidah 2025 PPNI UNIMMAN

Disasters are global phenomena that continue to increase in both frequency and impact, posing serious challenges to health systems worldwide. One of the crucial components in disaster management is the preparedness of Emergency Medical Services (EMS) during the pre-hospital phase, which determines the speed and effectiveness of the initial medical response. However, multiple studies indicate that EMS preparedness and response capacity remain suboptimal, particularly in areas such as personnel training, intersectoral coordination, communication systems, infrastructure, and policy support. This study aims to map the preparedness and emergency response capacity of EMS in disaster situations using a scoping review approach. The research follows the methodological framework of Arksey and O’Malley (2005), which includes formulating research questions, conducting literature searches, selecting relevant studies, extracting data, and synthesizing findings. Literature searches were conducted through PubMed, ScienceDirect, Cochrane Library, and Google Scholar databases. From 114 identified records, 12 studies met the inclusion criteria. The review reveals that EMS disaster preparedness varies across countries. The main factors influencing EMS response capacity include: (1) training and competency development of EMS personnel, (2) effectiveness of interagency coordination and communication, (3) availability of medical facilities and infrastructure, (4) national policy and system support, and (5) the use of technology to enhance response efficiency. This scoping review underscores the need for stronger national policies, improved cross-sectoral coordination, and sustainable capacity-building programs to enhance the effectiveness of EMS in disaster response, particularly in developing countries such as Indonesia.

Budiyono , Rokhmad; Fidyah Yuli Ernawati

Jurnal Pengabdian Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The transition toward Society 5.0 demands a workforce capable of integrating technological proficiency with strong human-centered soft skills. This community engagement program aims to enhance the digital mindset and soft skills of PKK women in Boja District, Kendal Regency through a structured mentoring model rooted in human-centered learning principles. Using a needs assessment, experiential training sessions, and group mentoring, the program focused on increasing participants’ abilities in digital literacy, communication, collaboration, creativity, and community-based leadership. The mentoring activities revealed significant improvements in participants’ understanding of basic digital functions, such as the use of smartphones for communication, information access, and household economic opportunities. Engagement in interactive sessions—such as role play, guided discussions, and problem-solving simulations—strengthened participants’ confidence, interpersonal communication, and teamwork skills. Furthermore, several participants demonstrated emerging leadership abilities, particularly in facilitating peer learning and supporting other members during digital practice activities. These findings align with recent literature emphasizing the effectiveness of contextual digital training and experiential adult learning in promoting behavioral change and improving community readiness for technological transformation. Overall, the program successfully enhanced the participants’ readiness to face the challenges of Society 5.0 by fostering digital mindset growth, essential soft skills development, and strengthened leadership capacity. The results indicate that human-centered mentoring can serve as a sustainable approach to empowering local communities and improving their competitiveness in the digital era.  

Nur Raima Hafizhah; Rildo Anuar Sihite; Slamet Tri Wahyudi

Jurnal Hukum dan Sosial Politik 2025 International Forum of Researchers and Lecturers

The increasingly massive development of social media has been exploited by terrorist groups as a strategic tool to spread propaganda, violent ideology, and radicalism to the wider community, especially the younger generation. This situation demands an effective counter-radicalization strategy that adapts to the dynamics of the digital space. This study aims to analyze the strengthening of legal instruments and the role and institutional structure of the National Counterterrorism Agency (BNPT) in implementing social media-based counter-radicalization policies. The research method used is a normative juridical approach with a legislative approach and a conceptual approach, through a review of laws and regulations, legal doctrine, and policies related to counter-terrorism in Indonesia. The results show that the normative legal basis for BNPT's authority to carry out counter-radicalization is already available, particularly in the Law on the Eradication of Criminal Acts of Terrorism. However, its implementation still faces various obstacles, including weak derivative regulations specifically governing the supervision and counter-measures of digital radicalism, limited inter-agency coordination, and suboptimal evaluation of data- and technology-based policies. Therefore, this study recommends strengthening derivative regulations, increasing the digital capacity of BNPT, and developing a more integrated coordination and evaluation system.