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This article examines various models of credit risk assessment. The study results show that the models can be classified based on the approach adopted, namely the traditional and the structural. In its development, the structural approach by Merton model is dominating, although at the end it reaps many critics when the LTCM crisis happened in America, in the late 1998. Those critics lead to the assumptions used, which considers only the endogenous factor without having to analyze the exogenous factor. The failure of the Merton model has its own attention from the experts so that many of them are trying to polish them. Nevertheless, the results showed that each model has its own advantages and disadvantages that need a comprehensive understanding and analysis of the managers when they want to adopt one of them.Keywords: Credit risk, Merton model, firm-specific risk, and market risk.

This study aims to evaluate the effectiveness of digital transformation in the 5.0 era in transforming latent cash waqf assets into productive capital capable of sustainably driving the community’s economy. The study employed a qualitative approach using a literature review method. Data were obtained through literature searches and official documents from the Indonesian Waqf Board, then analyzed descriptively to obtain comprehensive conclusions regarding the effectiveness of digital systems in cash waqf management. The results indicate that financial technology (fintech) such as QRIS, crowdfunding, Islamic banking applications, and digital wallets (e-wallets) are capable of overcoming conventional bureaucratic barriers through the concept of “micro waqf,” which is accessible to all levels of society. Based on the Technology Acceptance Model (TAM) theory, ease of digital access has been proven to increase public interest in waqf because it reduces administrative barriers and concerns regarding transaction amounts. In addition, real-time data-based reporting systems also improve transparency and accountability in waqf management. Therefore, the digitalization of cash waqf in the 5.0 era serves as a form of social engineering in collecting collective funds to sustainably support sharia-based productive sectors.  

One of the healthcare facilities in South Tangerang City is Puskesmas (Community Health Center).Community Health Center is a functional organization which organizes comprehensive, integrated,equitable, acceptable, and affordable public healthcare. South Tangerang City Health Department has 25 (twenty five) Health Centers which consists of 21 (twenty one) care facility Health Centers, and 4 (four) non-care facility Health Centers. In an effort to provides information to the public about the existence of health center at each district, South Tangerang City Health Department has provided information through the official website which can be accessed at http://dinkes.tangerangselatankota.go.id. Unfortunately the provided information still need to be developed, because from the 25 (twenty five) Health Centers; 12 (twelve) Health Centers only provide information about location and email address, whereas 13 (thirteen) Health Centers provide only limited information about the Health Center address, type of patients served, and types of services provided. This research was develop web based Healthcare Facilities Mapping for South Tangerang City that able to display detail information about Health Centers in interactive presentation using Geographic Information System (GIS) and the Google Maps API (Application Programming interface). In addition beside to provides information about services available at each health center, this application also provides map based navigation to each health center in South Tangerang City.

Entrepeneurship orientation has been acknowledged in literature andpractice as a vital element of economic and organizational growth, successand competitiveness and can be considered as a unique competitiveadvantage.The purpose of the paper is to provide a comprehensive analysis of the conceptof entrepeneurship orientation. Concluding, the paper suggests directions forfuture research.

AbstractsEnforcement of Environmental Law in Indonesia is still very poor although some times the legal framework related to environmental management are experiencing recent changes made ​​Act number 32 of 2009 on the Protection and Environmental Management. Environmental law enforcement problems occurred in addition to human resource issues are also global environmental problem that is both attractive differing interests between developed and developing countries, because environmental issues are not only related to criminal cases but also civil law. Perhaps the administrative problems to environmental problems must be resolved in a comprehensive and integral. Key words  :Enforcement of Environmental Law, the legal aspects related

Remote sensing is the science and art of obtaining information about an object, area, or phenomenon through the analysis of data acquired by a device that is not in contact with the object, area, or phenomenon under investigations Remote sensing data is of such nature and volume as to require it to be compatible with processing and outputing by computers. They are the easiest, fastest, and most efficient way to produce images, extract data sets, and assist in decision making. One special function is to assist in manipulating other kinds of data about the spatial or locational aspects of areas in the world that are the subjects of interpretation and decision making. The bulk of the data in such systems have in common a geographical significance, that is, they are tied to definite locations on the Earth. In this sense, they are similar to or actually make up what has become a powerful tool in decision making and management. The Image-Based Information System (IBIS) was developed in 1975 at the Jet Propulsion Laboratory, and is designed to be a comprehensive geographic information system that performs operations on raster image, tabular, and graphics format data, using the Video Image Communication And Retrieval (VICAR) image processing system. This was accomplished by the creation of a new VICAR-based file format for tabulating raster format geographic information over multiple data planes.