Publication Search

Financial risk management is an important element in maintaining global economic stability. This study explores the relationship between regulation, technological innovation, and sustainability as three main pillars in modern financial risk management. Using the Semantic approach Literature Review (SLR), this study analyzes the literature from 50 selected scientific articles published between 2018 and 2024. The results of the study show that regulations such as Solvency II and IFRS 17 strengthen transparency and accountability, while innovative technologies such as parametric insurance and resilience bonds increase the efficiency of risk management. In addition, sustainability, which is realized through initiatives such as green insurance and sharia insurance, is a key pillar in mitigating systemic risk.However, the study identified a number of challenges, including fragmentation of regulations across countries, limited access to technology in developing countries, and moral hazard in implementing sustainability. To overcome these obstacles, a collaborative strategy involving governments, the private sector, and the international community is needed to harmonize global regulations, strengthen technology infrastructure, and improve technology and sustainability literacy. This study contributes to presenting a comprehensive financial risk management framework by recommending strengthening the synergy between regulation, technology, and sustainability. This study also provides practical guidance to address global challenges in financial risk management, while also providing a basis for further in-depth research on specific sectors, geographic regions, and the integration of technology and sustainability.

Islamic education during the Khulafaur Rasyidin period (632-661 AD) had an important role in forming the foundations of the Islamic education system during the Khulafaur Rasyidin period, which included the period of leadership of the first four caliphs after the death of the Prophet Muhammad SAW. This research aims to examine in more depth the growth and development of Islamic education during the time of Khulafaur Rasyidin, including the role of the caliphs in supporting the education system and its impact on Islamic society at that time. The author uses a qualitative method with the type of library research. This method aims to explore information in depth from relevant library sources, such as books, scientific articles, journals and other documents. As for the results of this research, the growth and development of Islamic education during the time of Khulafaur Rasyidin focused on teaching the Qur'an and Hadith, the development of educational centers during the time of Abu Bakar, Kutab educational institutions (primary schools) experienced significant progress, during the time of Caliph Umar bin Khattab ra., the social and political situation was in a stable condition and Islamic power was increasingly expanding, where several friends were appointed as teachers in each area they occupied. During the time of Usman ibn Affan the development of Islamic education, both in terms of institutions and materials, was basically not much different from previously. During the time of Ali bin Abi Talib, the development of education did not show significant progress. This was caused by the chaotic political situation and various rebellions that occurred, so that Ali's government was unstable and focused more on efforts to resolve conflicts and maintain political stability.

This study examines the dynamics of Christian families in navigating modern lifestyles, focusing on the congregation of GKII Efata Bonet Engkabang. Modernity characterized by digitalization, high mobility, economic pressure, and shifting social values has significantly influenced family communication patterns, emotional relationships, and spiritual formation within Christian households. The purpose of this study is to describe the changes experienced by congregational families in the context of modernity and to analyze the role of pastoral counseling as a relevant form of support for family well-being. This research employed a descriptive qualitative method, collecting data through in-depth interviews, limited observations, and a review of church documents. The findings indicate that Christian families face challenges such as declining communication quality, reduced family time, the pervasive influence of gadgets on daily interactions, and weakened spiritual disciplines. Furthermore, shifting parenting patterns and increasing psychological pressure also affect family stability. Within this context, pastoral counseling in GKII Efata Bonet Engkabang plays an essential role in providing spiritual, emotional, and practical guidance through empathetic, relational, and faith-based approaches. Pastoral care has proven effective in helping families realign life priorities, strengthen communication, and cultivate sustainable spiritual practices. The implications of this study highlight the urgency of enhancing structured family support programs in the church, improving pastoral leaders’ capacity as counselors, and encouraging families to develop healthy digital discipline to maintain relational and spiritual quality amid the demands of modern life.

Banking is crucial in efforts to prevent corruption, serving as the frontline in financial management and transactions. This article examines the role of education and training in combating corruption within the banking sector. The study aims to demonstrate that corruption in banking can undermine public trust and economic stability. I employ a literature review and observations of education and training initiatives aimed at corruption prevention in banking. Key issues identified include employees' inadequate understanding of work ethics and anti-corruption policies, along with insufficient systematic training. This research analyzes various education and training programs implemented in banks and assesses their effectiveness in enhancing employee awareness and commitment to anti-corruption practices. I highlight that comprehensive education and continuous employee training are essential for significantly mitigating the risk of corruption in banking by fostering a transparent and ethical organizational culture. It is critical for banking institutions to enhance anti-corruption awareness among their employees. Training programs should engage all employee levels and include regular evaluations to assess their effectiveness. Ultimately, the goal is to create a safer banking environment free from corrupt practices.

This study examines the impact of interest rates and inflation during the 2019-2023 period on asset allocation strategies in Indonesia's investment portfolio. Investment decisions are heavily influenced by two macroeconomic components, namely interest rates and inflation. These factors mainly affect how assets comprise a portfolio. In this study, data on Bank Indonesia's benchmark interest rate and the national inflation rate over the past five years are analyzed to see the pattern of change and its impact on asset allocation strategies, which include stocks, bonds, property, and other assets. The results show that rising interest rates significantly encourage people to shift from high-risk assets (e.g. stocks) to safer assets (e.g. bonds and deposits). Meanwhile, high inflation triggers an increased allocation to physical assets such as property and gold as a hedge against declining purchasing power. This research provides insights for investors to adjust their investment portfolios based on macroeconomic dynamics, especially in the face of interest rate volatility and inflation. The findings also highlight the importance of flexibility and diversification in asset allocation strategies to achieve optimal investment objectives amid economic uncertainty. The conclusion of this study confirms the importance of understanding interest rate and inflation dynamics in formulating effective investment strategies in Indonesia. The implications of these findings can be used by investors and policymakers in designing better monetary policies and investment strategies, in order to maintain national economic stability.

This research analyzes the performance of the Academic Information System (SIAKAD) in supporting student tuition payments at STMIK Widuri using the PIECES method (Performance, Information, Economy, Control, Efficiency, Service). SIAKAD aims to streamline academic administration and enable online payments. However, issues such as system access delays, especially near payment deadlines, still occur, negatively impacting students' academic services and resulting in administrative penalties. The study employed data collection techniques through observation, interviews, questionnaires, and literature review. The PIECES framework was applied to evaluate six key indicators: performance, information, economy, control, efficiency, and service. The findings reveal that all indicators achieved an average score above 3.80, indicating a "good" system performance. Nonetheless, further improvements are necessary, particularly in terms of access speed and data security, to minimize user difficulties. The study concludes that optimizing the SIAKAD system is crucial for achieving effective and efficient payment processes. Recommendations include enhancing service quality, improving information accuracy, and strengthening data security. This optimization is expected to increase user satisfaction and support the institution's financial management stability.

This study examines the relationship between educational attainment, gender inequality in education, and their impact on unemployment rates and economic resilience across various regions. Gender inequality in education has long-term consequences on labor market outcomes and economic stability. In regions with higher gender inequality, the underutilization of female talent results in higher unemployment rates and weaker economic resilience. In contrast, regions with higher gender equality in education show improved labor market performance and a more resilient economy. The study utilizes cross-regional regression analysis, incorporating data on education levels, gender inequality indices, unemployment rates, and economic resilience metrics. The findings suggest that gender inequality in education plays a more significant role in shaping unemployment rates and economic resilience than traditional macroeconomic variables such as GDP and inflation. Furthermore, the results highlight the importance of improving access to education for underrepresented genders, particularly women, to foster more inclusive and sustainable economic growth. The study emphasizes the need for policies that promote gender equality in education as a means to enhance labor market outcomes and strengthen economic resilience. Limitations of the study include potential data constraints and regional variations in cultural, economic, and policy contexts, which may affect the generalizability of the findings. Future research could expand this study by exploring different regions and countries to gain a deeper understanding of the long-term effects of reducing gender inequality in education on economic outcomes.

The phenomenon of "vigilante" is still a serious problem in various regions, including Pangkalan Jati Village. This extrajudicial action not only violates social norms, but also has the potential to threaten public order and security. This study aims to analyze the phenomenon of "vigilante" in Pangkalan Jati Village, as well as its impact on environmental security. The method used is a case study with a qualitative approach through in-depth interviews with community leaders, village officials, and victims/perpetrators of "vigilante" actions. The results of the study indicate that factors such as weak law enforcement, public distrust of the authorities, and lack of legal awareness are the main triggers for these actions. The impacts include increasing rates of violence, social divisions, and security instability. As an effort to overcome this problem, legal socialization has been carried out to the community as part of community service activities. This socialization is expected to increase public legal awareness, strengthen trust in the authorities, and encourage the community to resolve problems legally. This study concludes that legal socialization is an important step in preventing "vigilante" actions and creating a safe and conducive environment.

This study aims to critically analyze how accounting policies implemented in insurance companies contribute to effective risk management and overall financial stability. As the business environment becomes increasingly complex and competitive, insurance firms must adopt robust accounting policies that not only facilitate accurate financial reporting but also enhance their ability to identify, assess, and manage various risks. By employing a mixed-methods approach that integrates both qualitative and quantitative data, this research will explore the intricate relationships between accounting policies, risk management strategies, and their subsequent impact on the financial performance of insurance companies. The study will first provide a theoretical framework that outlines the significance of sound accounting practices in the context of risk management. It will then delve into empirical analysis through case studies of selected insurance companies, assessing how their accounting policies influence risk assessment and mitigation processes. Data will be collected via surveys and interviews with key stakeholders, including financial managers, risk officers, and auditors, to gather insights on the effectiveness of these policies in practice. Furthermore, this research will evaluate the correlation between specific accounting practices and key performance indicators, such as profitability, solvency, and liquidity ratios. By identifying best practices and potential areas for improvement, the study aims to offer practical recommendations that can enhance the alignment between accounting policies and risk management efforts. Ultimately, this research seeks to contribute to the existing literature on accounting and risk management in the insurance sector, providing valuable insights that can inform policy formulation and strategic decision-making within the industry. Through this comprehensive evaluation, the study aspires to foster a deeper understanding of how effective accounting policies can serve as a foundation for robust risk management frameworks, thereby promoting long-term financial stability in insurance companies.

This research aims to explore the relationship between language policy and national identity formation through a macro-linguistic lens. By employing qualitative case study methodology, the study analyzes the language policies of Canada, Belgium, and India, examining their impacts on social cohesion, cultural identity, and political stability. The research investigates specific language policies, such as bilingualism in Canada, collaborative language programs in Belgium, and multilingual education in India, assessing their effects on various communities within these nations. The findings indicate that inclusive language policies significantly enhance social cohesion and foster national pride, while exclusive policies can lead to division and marginalization. In Canada, continued support for bilingual education strengthens ties between linguistic groups. In Belgium, fostering mutual respect among linguistic communities mitigates political tensions. In India, promoting multilingual education protecs regional languages and cultivates a sense of unity. By focusing on the interplay between language and identity, this study highlights the critical importance of inclusive language policies in fostering social harmony and national unity. Ultimately, the findings provide actionable insights for policymakers, emphasizing the need for frameworks that recognize linguistic diversity while promoting dialogue and integration among different language communities. This research contributes to the understanding of effective strategies for strengthening national identity in an increasingly globalized world, reinforcing the idea that language can serve as a bridge rather than a barrier.

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economy, particularly through their contributions to the formation of Gross Domestic Product (GDP) and employment absorption. MSMEs are also recognized for their strong economic resilience, making them a key pillar of national financial and economic stability. Acknowledging this significance, through the Student Community Service Program (KKM), Group 36 conducted training and mentoring for MSME actors in Bulakan Village over a two-month period. This initiative aimed to enhance the understanding of MSME actors regarding the critical impact of branding, packaging design, and product innovation on marketing strategies. The outcomes of this activity include the creation of distinctive product branding and logos, as well as innovations that have the potential to improve the quality of MSME products.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

This study aims to determine the effect of monetary policy on economic growth. This study uses the Vector Autoregression method by completing the assumption test and estimation on the research variables of inflation, investment, credit, interest rates and gross regional domestic product. Time series research data from 2003-2022 sourced from the Central Bureau of Statistics of North Sumatra (BPS) SUMUT with the results obtained are inflation and interest rates give the results that inflation is influenced by investment and credit, until investment affects gross regional domestic product. Then credit also affects inflation and interest rates and gross regional domestic product is influenced by investment and credit. Thus, in determining policies that encourage economic growth the government must consider a more coordinated monetary policy strategy to deal with the dynamics of strengthening interest rates, controlling inflation, can be measures that support economic stability.

Financial conglomerates are considered to have a significant role in a country’s economy. A well-developed financial conglomerate will bring economy’s positive growth. However, when one collapses, systemic risk cannot be avoided to the financial system. The study conducts a comparative analysis of financial conglomerates/financial holding companies policies in six countries: Indonesia, South Korea, Taiwan, Malaysia, Singapore, and Australia. Furthermore, the research examines the literature review method of financial conglomerates criteria, structure, synergy, intragroup transactions, and data protection. In general, the requirements of financial conglomerates within research sample countries align with the Joint Forum. Indonesia is still developing the financial conglomerate’s minimum assets and members. Singapore is more concerned with a portion of assets, capital, liabilities, or income, while Taiwan regulates the total assets and paid-in capital. Malaysia regulates strictly with specific minimum ownership, while Australia focuses more on transaction materiality. The synergy among members of financial conglomerates may improve efficiency—however, the intragroup transactions raise systemic risk. Consumer data protection should be considered when financial conglomerates conduct cross-selling. From this study, policymakers should enhance their policies so that financial conglomerates take more advantage of generating the country’s economy while managing challenges to the financial system’s stability.

The Communication, Informatics, and Statistics Agency (DISKOMINFOTIK) of Bengkalis is a government institution focused on information and statistics. One of the media used for information dissemination is the DISKOMINFOTIK Bengkalis website. The website of the Communication, Informatics, and Statistics Agency of Bengkalis District offers several information options such as the agency profile, work units, public information, agendas, announcements, contact details of DISKOMINFOTIK Bengkalis, as well as news published by DISKOMINFOTIK Bengkalis. Therefore, the DISKOMINFOTIK Bengkalis website is considered a significant medium for both the agency itself and the public. Hence, software quality becomes an important consideration as it directly affects the website's performance. For this reason, testing needs to be conducted on the DISKOMINFOTIK Bengkalis website. This research addresses 11 factors in McCall, namely Correctness, Reliability, Usability, Integrity, Efficiency, Reusability, Portability, Interoperability, Maintainability, Flexibility, and Testability. Testing is done in two ways: with testing tools and with questionnaires submitted to users and system developers. The results of testing conducted with questionnaires yield quality scores of Correctness 77,66%, Reliability 77,8%, Efficiency 79,01%, Integrity 77,31%, Usability 77,67%, Portability 77,31%, Maintainability 90%, Testability 90%, Flexibility 93,3%, Reusability 95%, Interoperability 90%, so the average quality is 84%.

: Oyster mushrooms are one of the popular horticultural products in the community, with a significant increase in demand from year to year. However, farmers often face difficulties in identifying and preventing diseases that attack oyster mushroom plants, which have an impact on production stability. To overcome this problem, this study aims to design an expert system that can diagnose diseases in white oyster mushrooms using the Dempster Shafer Method. This system is designed to provide accurate diagnostic information and solutions to deal with diseases in oyster mushrooms, so as to improve the quality and quantity of production. This study also strengthens previous studies using the Certainty Factor method, with an emphasis on the use of expert knowledge to overcome disease problems in oyster mushroom cultivation. The case study was conducted at Omah Jamur Tiram Stabat, where the results of the implementation are expected to increase the effectiveness and efficiency of oyster mushroom cultivation in the area.

The Covid-19 pandemic has significantly altered the landscape of the healthcare product market, with a rapid increase in demand for Vitamin C as a means to enhance immune function. Amidst intensifying competition, Hevit-C, a well-known brand in Jakarta's pharmacies, has employed marketing strategies and innovations to maintain its revenue stability. This study aims to analyze various marketing strategies and innovations implemented by Hevit-C during and post-pandemic, and to identify the correlation between these strategies and innovations with the brand's revenue stability. The research methodology includes sales data analysis, collection of data related to marketing strategies and innovations used by product management, and a review of literature on marketing strategies in the pharmaceutical industry. It is anticipated that the findings of this research will benefit healthcare professionals and pharmacies by providing insights and educational materials on the use of Vitamin C for patients and the general public. Furthermore, the study aims to benefit the pharmaceutical industry by optimizing marketing strategies and better meeting market demands.

This article discusses creative economic empowerment efforts through bouquet-making training in Montongsari Village. The main focus of this study is to evaluate the impact of the training on improving the skills and income of the village community. Creative economic empowerment can develop the community's skills and resources needed to create income and manage their own businesses. It aims to reduce dependence on external assistance and increase economic stability. This research uses a Participatory Action Research (PAR) approach to evaluate the butterfly bouquet-making training that was conducted on July 12, 2024 in Montongsari Village. The training involved PKK mothers from various hamlets and aimed to increase the creative economic empowerment of the community. By using simple materials and involving participants in every stage of making, the training succeeded in improving their practical skills as well as their creativity. The results showed that participants were able to make high-quality bouquets and felt more confident to explore new business opportunities. The program also contributed to local economic development and supported Montongsari Village as a tourist village. This training proved the effectiveness of PAR in empowering communities in a practical and participatory manner

This article discusses creative economic empowerment efforts through bouquet-making training in Montongsari Village. The main focus of this study is to evaluate the impact of the training on improving the skills and income of the village community. Creative economic empowerment can develop the community's skills and resources needed to create income and manage their own businesses. It aims to reduce dependence on external assistance and increase economic stability. This research uses a Participatory Action Research (PAR) approach to evaluate the butterfly bouquet-making training that was conducted on July 12, 2024 in Montongsari Village. The training involved PKK mothers from various hamlets and aimed to increase the creative economic empowerment of the community. By using simple materials and involving participants in every stage of making, the training succeeded in improving their practical skills as well as their creativity. The results showed that participants were able to make high-quality bouquets and felt more confident to explore new business opportunities. The program also contributed to local economic development and supported Montongsari Village as a tourist village. This training proved the effectiveness of PAR in empowering communities in a practical and participatory manner

This study analyzes the position and function of village community institutions in Buar Village, North Rahong District, Manggarai Regency based on Permendagri No. 18 of 2018. The method used in this study is an empirical judiciary method using primary data and secondary data.  Law of the Republic of Indonesia Number 23 of 2014 (Law No.23 of 2014) concerning Regional Government states that in the village a community institution can be established stipulated by Village Regulations guided by Laws and Regulations. In the general explanation of the Law, it is explained that in order to realize democratization and transparency of development at the community level and to encourage, motivate, and create access so that the community plays a more active role in development activities as well as assisting the village government in managing development and community empowerment, it is necessary to establish community institutions in the village. The formulation of the problem in this study is: (1) What is the position of Village Community institutions in Buar Village, North Rahong District, Manggarai Regency Based on the Regulation of the Minister of Home Affairs Number 18 of 2018?, and (2) Factors Hindering the Implementation of the Authority of the Position of Village Community Institutions in Buar Village, North Rahong District, Manggarai Regency Based on the Regulation of the Minister of Home Affairs Number 18 of 2018?. From the results of the research, the author concludes that  the function of community institutions in the implementation of development in Buar Village, North Rahong District, Manggarai Regency has not been maximized in accordance with the Regulation of the Minister of Home Affairs Number 18 of 2018. Some of the functions that have not been implemented include the preparation of development plans in a participatory manner, the shelter and distribution of community aspirations, and the increase of community participation in development. Factors inhibiting the implementation of the authority of Village Community institutions include lack of resources, limited knowledge and skills of village institution members, dependence on the central or regional government, corruption and nepotism practices, internal conflicts, and leadership instability.