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The purpose of writing this analysis is to investigate the financial performance achievements of Bank Syariah Indonesia (BSI) and Bank Muamalat in the Maqashid Syariah Index, with a focus on profitability, liquidity, asset growth, operational efficiency and sustainable service. The research method used is a literature study, which involves collecting and analyzing data from various relevant and reliable literature sources, including public financial reports, academic books, scientific journals, and other official documents. The research results show that both banks have demonstrated a strong commitment to sharia principles in their operations, with adequate performance in key aspects such as profitability, liquidity, asset growth, operational efficiency and sustainable service. Thus, this analysis provides an in-depth understanding of the contribution of BSI and Bank Muamalat to a sharia-based economy and achieving sharia goals in a broader context.    

Tjiwi Kimia Tbk Paper Factory, the world's leading producer of pulp, paper and paper products, has an important role in the national economy. Financial ratio analysis highlights a company's financial health, focusing on liquidity, solvency, activity, and profitability. The aim of this research is to understand and assess the company's financial health and measure overall financial performance. From this research, it can be seen that ratio analysis shows liquidity fluctuations, a significant decrease in profitability, and a lack of efficient use of assets. Although the company's solvency remains maintained, the main challenge lies in operational efficiency and profit growth in proportion to the increase in assets. In conclusion, a more effective strategy is needed in debt management, increasing operational efficiency, and optimizing asset use to improve overall company performance

In the literature study related to evaluating the efficiency and profitability of Islamic insurance through financial statement analysis, previous studies highlighted various methods and approaches used to measure the performance of Islamic insurance companies. Financial statement analysis is the main focus in identifying factors that affect the operational efficiency and profitability of Islamic insurance companies. Some studies have used traditional financial ratios such as solvency, liquidity, and profitability ratios to evaluate the performance of Islamic insurance. However, due to the unique characteristics of Islamic insurance, studies have also proposed the development of specific metrics that take into account sharia principles, such as sharia compliance ratios and fairness ratios. In addition, non-financial approaches such as technical efficiency and allocative efficiency analysis have also been used to evaluate the operational efficiency of Islamic insurance. This research shows that factors such as scale of operations, business diversification, and managerial efficiency can contribute to the efficiency performance and profitability of Islamic insurance companies. Although there have been many studies conducted in this domain, there is still a need for more in-depth follow-up research to better understand the factors that influence the efficiency and profitability of Islamic insurance. With a better understanding of the performance of Islamic insurance companies, regulators and practitioners can develop more effective strategies to improve the stability and growth of this industry.

Procurement process in the industrial sector is undoubtedly conducted. However, conventional procurement of goods and services still faces numerous challenges, such as the need for physical storage space which is impractical, consumes a lot of space, and the difficulty in accessing past documents. With the advancement of the Industry 4.0 era, it pushes the procurement sector to undergo changes related to data integration systems and also the procurement process, all aimed at creating efficiency in the procurement of goods and services.    

Procurement of Goods and Services at PT. Sarana Remaja Mandiri still use conventional systems. By using the Mekari Journal, as a procurement process in the company, it will have a significant impact on developing more efficient procurement. Organizations across all industries rely on Procurement Management expertise to source and manage relationships with external suppliers, ensuring these needed goods are obtained at the best cost. This aims to determine differences in procurement of goods and services at PT. Sarana Remaja Mandiri. The method used is the Mekari Journal, which makes it easier to document the documentation process for procurement of goods and services at PT. Sarana Remaja Mandiri. The Mekari journal will record the entire PO process that has been issued, delivery status, and payment status. Mekari Journal makes it easier for related parties in the company to access the progress of the goods and services procurement process. After analyzing and discussing the problem, the author comes to the conclusion that in the PO (purchase order) process, Jurnal Mekari helps in the efficiency process because by using this software, the procurement party only needs to enter related data such as supplier name, PO number, item name, number of items. , etc. By filling in the data in the Mekari Journal in the Purchase Order section, a PO will automatically be issued along with a template. So, companies don't need to create templates for PO documents.

This study aims to evaluate the impact of bureaucratic reform in Bima Regency following the issuance of the Ministerial Regulation on Administrative Reform (PermenPAN-RB) Number 3 of 2023, with a primary focus on enhancing the quality of public services and the efficiency of administrative processes through the implementation of information technology. Utilizing a qualitative descriptive research method, this study explores the perceptions and experiences of civil servants (ASN), policymakers, and the civilian community in Bima Regency. Data were collected through in-depth interviews, participatory observation, and document analysis to understand the implementation and effectiveness of the reforms undertaken. The findings indicate that bureaucratic reform in Bima Regency has made significant progress in improving the efficiency and effectiveness of public services, underpinned by the Bureaucratic Reform (RB) Index. The main focus of this reform is to accelerate service delivery, enhance user satisfaction, and reduce unnecessary bureaucracy, with the digitalization of services as a key step that has successfully reduced waiting times and increased transparency. Training programs for civil servants have also been enhanced to ensure high-quality services that meet the needs of the community. The roadmap for bureaucratic reform also includes efforts to strengthen integrity and transparency, with an emphasis on improving the Corruption Perception Index (CPI) score through the strengthening of oversight institutions and the implementation of policies that limit direct interactions, reducing opportunities for corruption. Furthermore, Bima Regency continues to innovate by integrating information technology into government administration to improve the Government Effectiveness Index (GEI) and E-Government Development Index (EGDI), ensuring data security, and expanding public access to government services, especially in remote areas.

This research aims to identify the issues faced by one of the paint distributors in managing their sales information system. The study notes that despite the store's successful sales activities, the utilization of the sales information system remains limited, with the store preferring to manage products without online information handling applications. Based on observations, some weaknesses of the current system include lack of stock data accuracy, hindrances in providing real-time stock information, and limitations in tracking stock changes. The author suggests providing training to users of the web-based sales information system and establishing clear task allocation, as well as system improvements to address existing weaknesses. These suggestions are expected to enhance efficiency and effectiveness in sales management and meet the needs of both administrators and buyers.

Consumer purchasing decisions are one of the most crucial aspects for companies, because purchasing decisions can affect revenue, business growth, reputation, competition in the market, operational efficiency, product innovation, and customer loyalty. There are several factors that influence purchasing decisions, including brand image and nutrition label. This study aims to examine the effect of brand image and nutrition label on purchasing decisions with a healthy lifestyle as a moderating variable. The sample used in this study was 100 respondents. The sampling method used in this study was purposive sampling method. Data collection was carried out through distributing questionnaires online via google form and offline distribution where respondents received and answered on a questionnaire sheet. The data analysis technique used in this research is Moderated Regression Analysis. The results of this study indicate that brand image and nutrition label partially have a significant effect on Fitbar purchasing decisions in Denpasar City. Then, healthy lifestyle moderates brand image and nutrition label partially on Fitbar purchasing decisions in Denpasar City.

This research discusses the implementation of the Digital Population Identity (IKD) application at the Disdukcapil of Tanjungpinang City in the context of E-Government. The implementation of digital identity technology as an effort to improve the efficiency of public services faces a number of challenges, including communication, resource availability, disposition, and bureaucratic structure. In terms of communication, Disdukcapil Kota Tanjungpinang uses social media and goes directly to the field to socialize and activate the IKD application. Challenges arise from people who are still unfamiliar with technology, requiring further efforts in assisting the use of the application. Resources, such as a lack of budget and dedicated teams can hinder effective implementation. Although existing teams have been empowered in the past, further attention needs to be paid to the balance of quality and quantity of human resources. The disposition of Disdukcapil officers in helping people activate IKD is positive. Within the bureaucratic structure, despite the shortage of personnel, coordination and division of labor are quite good. This research uses qualitative research methods by obtaining primary data in the form of interviews at the Tanjungpinang City Population and Civil Registration Office directly and documentation, as well as secondary data obtained from media information, the internet and other documents. In conclusion, the implementation of IKD faces several obstacles, but good communication and disposition efforts show seriousness in realizing the success of the program. Suggestions that the author can give are for the Disdukcapil of Tanjungpinang City to increase the effectiveness of implementation through strengthening communication, increasing human resources, and evaluating the bureaucratic structure on going basis.

Background: Management of physical waste (solid and liquid) is an important aspect in maintaining environmental sustainability. In recent years, innovative technology has become a major focus in efforts to increase the effectiveness of physical waste management. The aim of this research is to examine the effectiveness of physical waste processing using innovative technology for each type of waste. Method: The research method that will be used in this research includes a literature review. The research method that will be used in this research is a key step to test and evaluate the effectiveness of innovative technology in physical waste processing. Results: Physical waste, such as plastic, electronics, and paper, has become an increasing global environmental problem. The impacts include soil, water and air pollution as well as human health risks. Effective physical waste management is important to reduce its negative impacts. Solutions include public education, government-industry collaboration on policy, and technological innovation. With good collaboration, it is hoped that effective solutions can be created to maintain environmental sustainability and human health. Innovative technologies in solid and liquid waste management provide advantages such as solutions to environmental problems, increased efficiency, and the creation of new, better products. However, challenges such as high investment costs, inadequate infrastructure and limited regulation need to be overcome. To overcome these challenges, cooperation between government, companies, academics and society is needed.

Old Age Security (JHT) is an important program in the social security system in Indonesia which is organized by the Employment Social Security Administering Agency (BPJS). Despite being a vital form of social protection, JHT claims management is often in the spotlight due to the various challenges it faces, including effectiveness, efficiency and fairness in disbursement of claims. In this context, this research aims to analyze JHT claims management at the Pratama Rantau Prapat BPJS Employment Branch Office. This study uses a qualitative research method with a case study approach. Data was collected through direct observation, interviews with officers and participants, as well as analysis of documents related to the claims process. The research results show that the JHT claims process faces various challenges, including the long time it takes to complete a claim, a lack of transparency and communication, and gaps in understanding between participants and officers. The conclusion of this research is that significant improvements are needed in JHT claims management. Recommendations for improvement include increasing process efficiency, increasing transparency and communication, and simplifying claims procedures. Implementation of these recommendations is expected to improve the quality of JHT claims services and provide greater benefits for participants in their preparation for a more financially secure retirement.

Industrial development management must be implemented optimally by business actors, it is an absolute requirement for companies to be able to develop rapidly. The strategies implemented are certainly needed by business actors, starting from utilizing market digitalization, building distribution channels, to providing services that make it easier and satisfy consumers. This research was carried out at a home industry (UMKM) for Bintang Mas Mushroom Chips in Kauman Srengat, Blitar Regency. This research is to find internal and external factors and determine alternative strategies for developing MSMEs in the Bintang Mas mushroom chips industry. The method in this research is a descriptive analysis method. With interviews, documentation and observations at the research location. As a result of the research, several internal factors were found that encouraged the development of the Kauman gold star mushroom chips industry, Srengat District, Blitar Regency. The company has employees who are competent in their fields, utilize digital marketing, fast distribution, and a friendly and good customer service model. Furthermore, external factors include increasing company income, increasing the efficiency and effectiveness of business operations, and adopting various strategies implemented by competitors. Alternative strategies used by the company, namely increasing production capacity and quantity in a continuous improvement framework to meet market demand, expanding cooperative relations between companies and farmers, companies and customers, signifying various promotions, discount strategies for chips mushrooms on certain days, product packaging quality innovation that is more creative and attractive

This research examines the role of local ports in addressing challenges from public ports and special terminals in their vicinity. It focuses on infrastructure, efficiency, connectivity, and competitiveness, using qualitative analysis and a Likert scale questionnaire. Findings reveal that while local ports excel in certain areas, improvements in infrastructure maintenance, operational efficiency, and transport connectivity are needed. Recommendations include investing in infrastructure, improving efficiency, enhancing marketing strategies, fostering collaborations, prioritising sustainability, and focusing on customer satisfaction. Implementing these recommendations can enhance local ports' competitiveness, strengthen their position in the maritime industry, and contribute to regional economic development.

Learning strategies based on information technology are increasingly relevant in improving the efficiency of the educational process, including in the subject of Aqidah Akhlak. This study aims to develop an information technology-based learning strategy to improve the efficiency of Aqidah Akhlak learning in schools. With a descriptive qualitative approach and library research method, this research analyzes various literature related to the application of technology in Islamic education. The results show that the utilization of technology, such as digital media, online learning platforms, and interactive applications, can enrich the learning experience, facilitate access to learning resources, and increase student engagement. The proposed strategies include the integration of technology in learning planning, implementation of teaching and learning activities, and learning evaluation. This research provides recommendations for educators and educational institutions to optimize technology in Aqidah Akhlak learning.

This research explores the critical role of English communication in promoting safety within the transportation industry. Through qualitative analysis of 100 cadets studying multimodal transportation, logistics, transportation safety, and law and road management, the study examines the impact of language barriers on safety incidents and proposes strategies for enhancing safety outcomes through improved communication. The findings highlight the significant contribution of communication breakdowns to safety incidents in transportation operations, underscoring the need for effective communication strategies. The research recommends the development of tailored training programs that integrate language proficiency with sector-specific safety knowledge, as well as the inclusion of cultural awareness training and the integration of communication technologies to enhance communication effectiveness. The study also identifies the positive impact of improved English communication on safety outcomes, suggesting that enhanced communication skills can mitigate safety risks and improve overall operational efficiency. By implementing these recommendations and prioritizing continuous professional development, transportation stakeholders can improve communication strategies and enhance safety practices within the industry.

This article presents a literature review on the role of digital technology in business and its disruptive impact on companies. We analyze how digital technology drives business transformation, enhances operational efficiency, and fosters innovation in products and services. However, the use of digital technology also brings disruptive effects, compelling companies to adapt to changes in business models and increased competition. This article provides valuable insights for business practitioners and decision-makers on how to effectively manage the impact of digital technology.  

Sustainable Development Goals (SDGs) are a global action plan agreed upon by world leaders, including Indonesia, to achieve sustainable development in all aspects, especially in the use of renewable energy sources. For Indonesia, the implementation of SDGs can contribute to the country's progress and development, especially in the use of solar energy as an alternative energy source. Solar energy consistently dominates the expansion of renewable energy capacity, making it the main focus of sustainable development efforts in Indonesia. In fact, solar energy accounted for 73% of renewable energy growth last year, reaching a capacity of 1,419 GW, followed by wind energy with a 24% share in renewable energy expansion. The emphasis on solar power and other renewable energy sources is in line with Indonesia's goal of becoming a fully developed country. The research method used in this scientific article is the literature study method. A literature review that focuses on a particular topic to identify a theory or method, develop the theory or method, and summarize its development. Therefore, the aim of this paper is to reveal that the role of solar energy in increasing energy efficiency is very important and is growing very significantly every year.

he world's energy industries contribute 87% to the increase in global greenhouse gases. To reduce global greenhouse gas emissions, hydrogen as clean energy is an alternative energy source with a gravimetric energy density of 120 MJ/kg and a volumetric density of 0.0824 kg/m3. The main challenge of hydrogen as an energy carrier is its low volumetric density, thus requiring hydrogen storage technology at higher volumetric densities. Hydrogen storage systems are crucial to the hydrogen supply chain process, especially in terms of its economics. The hydrogen storage system consists of hydrogenation, transportation, and dehydrogenation processes. This paper uses the techno-economic analysis of five types of hydrogen storage technologies: compressed hydrogen, liquid Hydrogen, liquid organic hydrogen carrier, metal hydride, and ammonia. Hysys was introduced to help process design, process modeling, and equipment sizing of each technology. System costs ($/kg) are determined based on projected Capital Expenditure (CapEx) and Operational expenditure (OpEx) of each hydrogenation and dehydrogenation process, as well as shipping transportation cost at 2000 km. The results show that liquid organic hydrogen carrier had the lowest system cost of $2.84/kg, followed by metal hydride at $2.95/kg, compressed hydrogen at $3.33/kg, ammonia at $7.21/kg, and liquid hydrogen at $11.51/kg. However, the storage efficiency of liquid organic hydrogen carriers is only 8.73%, compared to compressed hydrogen at 99%. The results show that the cost of hydrogen storage systems needs to be significantly reduced for long-term and large-scale applications.

This research investigates the effectiveness of new methods in improving computer system performance through a rigorous scientific approach. The research method applied includes the steps of data collection, implementation of new methods, data analysis, and evaluation of results. The research results show that the proposed innovative approach successfully improves the performance of the computer system in various test scenarios. Key findings include significant improvements in data processing speed, with increased system responsiveness and more optimal resource use efficiency. Statistical analysis shows a 25% increase in data processing speed and up to 20% improved resource usage. These results provide a strong empirical basis for the recognition of a scientific approach in improving computer system performance, as well as demonstrating the potential for further application in the context of computer system performance optimization. Thus, this research provides a valuable contribution to the understanding and practice of computer system performance optimization.

The purpose of this study was to determine the effect of Liquidity, Earning Asset Quality, and Operational Efficiency on the stock price of banking companies. The stock price in the capital market will determine the value of a company, where the performance and health of the company affect its share price, as well as the views of investors.This research is descriptive quantitative research. The population in this study are publicly listed banking companies in Indonesia which are listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. The sample used in this study were 20 companies using the purposive sampling method. The data analysis technique used is multiple linear regression, classical assumption test, t test, F test, and the coefficient of determination R Square.The results of the partial test or t test show that Liquidity (LDR) has no significant effect on stock prices, Earning Asset Quality (NPL) has a positive and significant effect on stock prices and Operational Efficiency has a negative and significant effect on stock prices. While the simultaneous test or F test shows that together Liquidity (LDR), Earning Asset Quality (NPL) and Operational Efficiency (BOPO) have a simultaneous effect on stock prices.