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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.

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.

This research explores the digital transformation in Islamic philanthropy, particularly through the optimization of zakat and waqf management using Islamic fintech. The digital economy and fintech present significant opportunities to enhance the efficiency and transparency in collecting and distributing Islamic philanthropic funds. By leveraging modern financial technology, zakat and waqf can be managed more effectively, ensuring precise and accountable distribution. The study also emphasizes the importance of Islamic financial literacy in supporting public participation in the digital economy. The findings show that integrating fintech in zakat and waqf management not only improves transparency and efficiency but also strengthens public trust in the Islamic financial system. Therefore, this research suggests further development of Islamic fintech technologies and enhanced educational programs to support the growth of Islamic philanthropy in the digital era. The research further emphasizes the necessity for comprehensive financial education programs and easily accessible information to enhance Islamic financial literacy among the broader public. Collaborative efforts between the government, financial institutions, and educational bodies are crucial to developing and promoting fintech solutions that comply with Sharia principles. Integrating technology into Islamic philanthropy not only optimizes fund management but also contributes to broader social and economic development goals by supporting more inclusive and sustainable growth. Consequently, Islamic fintech holds immense potential to revolutionize the management of zakat and waqf, fostering a more resilient and trusted financial ecosystem within the Muslim world.

Baro Gebang Beach has great potential to develop as a sustainable tourism destination. The main challenge in resource management is combining economic growth with environmental conservation. Fintech is present as an innovative solution to support tourism development in this area, by providing access to capital, community-based funding, and increasing operational efficiency. Through P2P lending, local craftsmen in Baro Gebang Beach can expand their businesses, create new jobs, and increase income. This literature review emphasizes the importance of digital literacy and cross-sector collaboration in creating an inclusive and sustainable tourism ecosystem.

The growth of digital technology has significantly transformed the marketing strategies employed by micro, small, and medium enterprises. Within an increasingly competitive digital marketing ecosystem, high-quality visual branding serves as a crucial component in capturing consumer attention and enhancing brand awareness. However, the enterprises frequently encounter constraints related to budget, technology, and expertise in producing effective visual content. In response to these challenges, Rabbithall Studio offers a solution by providing affordable, high-quality content, particularly for enterprises that operating in the foods and beverages sector. This research aims to design a Business Model Canvas (BMC) for Rabbithall Studio to effectively support the digital marketing strategy of MSMEs. A descriptive qualitative approach is used to analyze key elements in the BMC, such as customer segments, value propositions, distribution channels, and cost structure. The research findings reveal that Rabbithall Studio has a strategic business model, focusing on providing aesthetic and Instagrammable product photography services, along with copywriting support. This study offers a strategic guide for MSMEs to adopt visual and content-based marketing to enhance their competitiveness in the digital market.

Abstract. Human Resource Management (HRM) is essential in today’s digital era to ensure that HR strategies meet the demands of the times. Business transformation driven by digital technology requires an understanding of how HRM responds to these changes and how it impacts employee dynamics. To create strategic initiatives that maximize the integration of technology and HRM, it is essential to understand the implications of technology integration on employee engagement and performance. In the context of the HRM paradigm, this study attempts to unravel the relationship between employee happiness, leadership competencies, and technology adoption. This study aims to explore the dynamics of digital transformation of Human Resource Management (HRM) in startups and examine its impact on employee engagement and performance. This study highlights the significant influence of technology on leadership skills development and the need for adaptive leadership in the digital era. The foundation of engagement is employee satisfaction, and higher levels of engagement are associated with improved organizational performance. These observations underscore the value of developing leadership skills, driving employee satisfaction, and leveraging technology, and provide useful suggestions for HRM practitioners in startups in Indonesia. This study serves as a basis for future research and improvement of HRM methods in different startup ecosystems in Indonesia, which prioritize employee welfare and organizational success in facing challenges in the digital era.

Artificial intelligence (AI) is now an integral part of the digital transformation of various industries including the maritime sector. In the context of maritime law, AI has the potential to optimize various aspects ranging from maritime traffic management, Accident risk mitigation to monitoring international environmental maintenance. However, the application of AI also presents a variety of very complex challenges. This research highlights the legal, regulatory and ethical challenges that arise along with the application of AI in the maritime sector. Among them are the lack of clarity regarding legal responsibility for incidents involving autonomous ships, the lack of international standards governing the use of AI in operations maritime, as well as threats to data privacy and security from the use of increasingly sophisticated technology. Apart from these challenges, This research also discusses innovations that are already developing, such as the development of new legal frameworks for maritime AI, blockchain integration technology in the supply cycle chain as well as cross-border collaboration to developing regulatory standards that are cohesive and responsive to technological developments, this research concludes that to ensure the safe and responsible implementation of AI in the maritime sector, a multidisciplinary approach involving law, technology and international cooperation is needed, AI can be the main catalyst in creating a safer, more efficient and sustainable maritime ecosystem in the future.

Innovation in the education sector has become increasingly important alongside the rapid advancement of digital technology, which has enabled the emergence of various platforms and applications designed to enhance teaching and learning quality. One area significantly impacted by this transformation is educational evaluation, where digital solutions offer more efficient, accurate, and data-driven assessment processes. This study aims to identify and analyze the role of the Evaloexam application in driving educational innovation while fostering the development of technological entrepreneurship among its users. The research employed a quantitative methodology using a survey approach involving educators and students at the senior high school (SMA) level who actively utilize the Evaloexam platform. A total of 100 respondents were selected through random sampling techniques, and data were collected over one month using structured online questionnaires. The collected data were analyzed using both descriptive and inferential statistical methods to measure user perceptions, system effectiveness, and innovation impact. The findings indicate that Evaloexam plays a significant role in facilitating educational evaluation processes by streamlining exam administration, automating grading, and providing analytical insights into student performance. These capabilities contribute to improved efficiency, reduced administrative workload, and more objective assessment practices. Furthermore, the application encourages the development of technological entrepreneurship by stimulating user interest in digital product innovation, educational technology development, and technology-based problem solving. The results are consistent with prior studies emphasizing the positive relationship between technology integration and improvements in educational effectiveness and operational efficiency. Practically, this research suggests that Evaloexam and similar digital evaluation platforms hold strong potential for broader implementation within educational systems to support innovation ecosystems and technology-driven learning environments. However, this study is limited by its relatively small sample size, focus on a single application, and short data collection timeframe. Future research is recommended to involve larger and more diverse populations, extended study durations, and comparative analyses across multiple evaluation platforms to obtain more comprehensive findings.

Abstract. The systems approach is a holistic method used to improve the quality of learning by considering all interrelated elements in an educational ecosystem. This approach emphasizes the importance of synergy between various components, such as curriculum, educators, students, technology, learning environment, and education policy. With a systems approach, the learning process is not only focused on the transfer of knowledge, but also on the formation of critical skills, collaboration, and problem-solving in accordance with the demands of the globalization era. This study aims to analyze the application of a systems approach in improving the quality of learning at various levels of education. The methodology used involves library research studies. It was found that this approach was able to increase student participation, improve learning outcomes, and create an inclusive learning environment. However, the implementation of a systems approach requires consistent policy support, adequate resource allocation, and collaboration between stakeholders. This research emphasizes that a systems approach is not only relevant but also crucial in facing educational challenges in the digital era, making learning more adaptive, effective, and sustainable.

This study examines how women entrepreneurs in Micro, Small, and Medium Enterprises (MSMEs) in the creative economy sector leverage digital technology to strengthen their roles in the urban tourism ecosystem. Using a qualitative approach supported by secondary data and non-intervention observations over six months in South Jakarta, the study analyzes the dynamics of digital adoption, the cultural value of creative products, and structural barriers affecting women's entrepreneurial experiences. The findings reveal that digital utilization is most prominent on easily accessible platforms such as Instagram, TikTok, and WhatsApp, while the use of more complex tools, such as marketplaces, websites, and analytics, remains limited. Women’s creative products, in subsectors like culinary, crafts, fashion, and others, prove to enrich the tourism experience and reinforce the city's destination identity. However, low digital literacy, minimal mentoring, and weak integration into the formal tourism supply chain hinder the optimization of these potentials. Additionally, the digital adoption patterns found support the Technology Acceptance Model's explanation that the perceived ease of use is a key factor in early technology adoption. This study fills an important gap in the literature by linking gender issues, digital transformation, the creative economy, and urban tourism within a unified framework. The research emphasizes the importance of strengthening digital capabilities and structured collaboration between women-led MSMEs and tourism stakeholders to enhance the sustainable competitiveness of destinations.

The development of financial technology, especially with the introduction of the digital rupiah, presents new challenges in the supervision and prevention of money laundering (TPPU) in Indonesia. Although existing regulations are sufficient to regulate conventional transactions, these regulations are not fully prepared to anticipate potential money laundering risks related to digital transactions. This study identifies shortcomings in existing TPPU policies, including limited supervisory infrastructure, lack of regulations for cross-border transactions, and challenges in verifying identity in digital transactions. More adaptive policy reforms and comprehensive regulatory updates are needed to address these challenges. Applying advanced technology, strengthening coordination between related institutions, and public education is key to creating a safe and trusted financial ecosystem in dealing with financial technology-based transactions, including Rupiah Digital.  

E-commerce represents the largest sector within Indonesia's digital economy, with a Gross Merchandise Value (GMV) of USD 62 billion in 2023, projected to grow to USD 82 billion by 2025. However, amidst this rapid growth, the practice of deceptive discounts—manipulating prices to create the illusion of significant price cuts—frequently occurs, causing harm to consumers. Such practices are inherently at odds with the principles of honesty and fairness in Islamic economics. This study examines the role of hisbah in monitoring and preventing deceptive discount practices in e-commerce. The primary objective of this research is to propose solutions to address the prevalence of deceptive discount practices on e-commerce platforms. The study employs a qualitative approach through library research. Data were gathered from primary and secondary literature, including books, journal articles, regulations, and related documents. The analytical method used is descriptive-analytical, aimed at understanding the relevance and application of hisbah principles in the oversight of e-commerce. The findings reveal that hisbah can complement existing regulations by emphasizing moral supervision, social sanctions, consumer education, and policy advocacy grounded in Islamic values. The implementation of hisbah not only ensures transactional integrity but also fosters an e-commerce ecosystem that is fair, transparent, and aligned with Sharia principles.

Business development among young people is a growing phenomenon, especially in the creative industry and technology sectors. This research aims to explore the factors that affect the development of young people's businesses, the challenges they face, and the strategies used to overcome these obstacles. The research method used is a qualitative approach with in-depth interviews and participatory observation of 10 young entrepreneurs in Sumbawa. The results of the study show that personal motivation, such as love for the field and the desire to contribute to social change, is the main driver of young entrepreneurs to start a business. However, the biggest challenges faced are limited capital, lack of managerial skills, and difficulties in managing market risks. Digital technology is a major factor in overcoming these challenges, especially in terms of marketing and market reach. In addition, the role of mentors and entrepreneurial communities proves to be crucial for providing practical support and expanding networks. This research suggests the need to increase access to financing, more applicable entrepreneurship training, and more supportive government policies to create a conducive entrepreneurial ecosystem.  

The literacy program implemented at MTs Muslimat NU as part of the MBKM initiative addresses the low reading interest among students by fostering a sustainable reading culture. This program aimed to optimize the school library as a center of learning and increase students’ participation in literacy activities. Activities were structured to accommodate gender-specific groups, dividing each class into two sessions—one for female students and another for male students—conducted from Monday to Thursday. Each group participated twice weekly, engaging in reading exercises, book discussions, and digital literacy training. The methods involved collaborative planning with teachers and students of MBKM, surveys, and focus group discussions to identify the specific needs of the school community. The results demonstrated significant improvements in reading habits, as evidenced by a 30% increase in library visits and active participation in literacy clubs. Additionally, the program fostered the emergence of student leaders who encouraged their peers to engage in reading and critical discussions. This participatory approach proved effective in creating a dynamic literacy ecosystem and strengthening social cohesion within the school. The findings underline the importance of integrating literacy programs with active community participation and optimizing libraries as educational hubs, ensuring long-term benefits in developing reading skills and fostering a culture of knowledge-sharing. 

The Internet of Things (IoT) has revolutionized agricultural practices by offering real-time monitoring, resource management, and process automation. In Lampung, Indonesia, pepper farming faces challenges such as pests, diseases, and inefficient water usage, hindering productivity. This community engagement program focuses on training vocational school (SMK SMTI Bandar Lampung) students in IoT-based smart farming solutions tailored to pepper plantations. The program employs LoRa-based IoT platforms and automatic irrigation systems to enhance agricultural efficiency and sustainability. By integrating theory and hands-on application, students gain critical digital and technical skills, contributing to the development of a sustainable agricultural ecosystem. This initiative also addresses technological literacy gaps, empowering future generations to embrace innovative approaches for agricultural improvement.

Among social media users x is one of the popular platforms. The x application plays a significant role in dissemination and development that not only becomes a medium for spreading news but also becomes an ecosystem that supports evolution and adaptation. Through interaction and creativity contribute to dynamics, making application one of the major factors in development in the digital age. In this article, the writer reviewed social media users x. this study aims to identify the types of times in which they often use and to understand their context. Through qualitative approaches data is collected from the posts of social media users x and analyzed using the method of analyse analysis. Results. Research shows that social media USES a lot of information about other news items. Much about applications x:slang, viral news, online loan services (pinjol), and so forth, takes serious action from governments, communities, and parents to address this problem. Social media plays a very important role in the digital age, referring to the use of social media platforms to interact and communicate with others. There are positive effects on social media x (facilitating interaction and expanding association, there are many viral things), but it can also have a negative effect like spreading false information.

The background of this study is based on the challenges currently being faced by the Indonesian financial sector in terms of transparency and trust. Various cases that often occur such as data manipulation, fraud, and lack of accountability in the financial transaction process have drastically reduced public trust in financial institutions. Blockchain technology here is present as one of the potential solutions to overcome this problem, by offering a decentralized, transparent, and immutable financial recording system. This study aims to analyze the implementation of blockchain technology in increasing transparency and trust in the Indonesian financial sector. The research method used is qualitative with the Systematic Literature Review (SLR) approach. This research was conducted by collecting and analyzing relevant literature related to the implementation of blockchain in the financial sector, especially in Indonesia. The analysis process was carried out using the content analysis method in order to identify the benefits, challenges, and impacts of blockchain implementation on transparency and public trust. The results of the study show that blockchain has great potential in increasing transparency in the financial sector, by reducing the risk of data manipulation and increasing operational efficiency. However, several challenges are still faced, such as inadequate regulations, uneven technological infrastructure, and low digital literacy in the community. This study emphasizes the need for collaboration between the government, financial institutions, and the community to create an ecosystem that supports the widespread adoption of blockchain technology. With a collaborative approach, blockchain is expected to contribute significantly to strengthening a more transparent, accountable, and highly competitive financial ecosystem in the future. In addition, this study provides an understanding of the readiness of the Indonesian financial sector in facing technological changes and innovation opportunities in the future.

The Digital Marketing 6.0 Training Program at SMA Perguruan Buddhi Dharma Tangerang was implemented to improve students' digital literacy and marketing skills in the era of digital transformation. The underlying problem of this training is the low level of students' understanding of technology-based marketing, which is an essential skill in the modern world of work and entrepreneurship. The purpose of this activity is to equip students with an understanding of the concept of digital marketing 6.0, technical skills in using digital tools, and skills in developing data-based marketing strategies. The methods used include the Community-Based Action Planning approach involving students, teachers, and community service teams, as well as experiential learning through simulations and direct practice.The results of the training showed a 40% increase in students' understanding of the concept of digital marketing as well as the ability to use digital tools and develop effective marketing strategies. In addition, this training gave rise to local leaders among students and created new awareness in the school community about the importance of technology integration in education. The collaboration between SMA Perguruan Buddhi Dharma and Universitas Buddhi Dharma also created a more inclusive and sustainable learning ecosystem. This training is expected to be a model for developing digital literacy for other schools in facing the challenges of the digital era.

The development of information and communication technology in Indonesia has grown significantly over the past few years. Thus, there are many opportunities to digitize the business process of a business or business ecosystem. One of them is in the field of digital economy by adapting business processes into a digital platform, such as designing an e-commerce platform in a village that has commodities in it so that related commodities can increase the visibility of their products. This research uses Belega Village as a case study location considering that this village has a commodity in the form of bamboo crafts. Research was conducted to build a web-based bamboo handicraft e-commerce application that would be expected to increase product visibility. The application itself is built using the Agile Development method using the sprint model. This application is built with a microservice architecture with Express.js technology as a backend service and Next.js to create client applications and PostgreSQL as a DBMS. The result of this research is a web-based e-commerce application that is expected to increase the visibility of products from bamboo crafts from Belega Village.

This community service has several objectives, first assistance in making AK1, second, widening the information system regarding job vacancies and the employment ecosystem with a digitalization system and making it more integrated. Carried out using the PAR (Participatory Action Research) method, with several stages, namely, participation, planning, implementation, and evaluation. So that this service produces output from optimizing the digitalization system for job seekers and workers which makes it easier to find various information, and the form of competency training carried out also has a positive impact on companies that want to recruit employees because they have received provisions from the training program that has been held.