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This study aims to analyze the effect of using the Quick Response Code Indonesian Standard (QRIS) on improving financial inclusion among Micro, Small, and Medium Enterprises (MSMEs) in North Toraja Regency. The research is motivated by the rapid development of digital payment systems, which have not been optimally adopted by MSMEs in tourism areas. QRIS, as a non-cash payment innovation, is expected to expand access tofinancial services, enhance transaction efficiency, and encourage MSMEs’ participation in the formal financial system. This study employs a quantitative approach using a survey method involving 35 handicraft MSMEs in the Ke’te Kesu’ tourism area, selected through a saturated sampling technique. Data were collected using a five-point Likert scale questionnaire and analyzed with SPSS version 25 through validity and reliability tests, descriptive analysis, classical assumption tests, and simple linear regression. The results indicate that QRIS usage has a positive and significant effect on financial inclusion, with a correlation coefficient (R) of 0.758 and a coefficient of determination (R²) of 0.575. The t-test shows a significance value of < 0.05. These findings support the Financial Deepening theory and the financial inclusion concept, which emphasize access, affordability, and usage of financial services. Thus, QRIS serves as an important instrument in promoting digital transformation and enhancing financial inclusion among MSMEs in North Toraja Regency.

Vairiious studiies iin the Humain Resources sector haive used quaintiitaitiive reseairch daitai wiith survey methods aind used reseairch iinstruments usiing questiionnaiiires thait aipply ai Liikert scaile ais ai tool to meaisure the opiiniions, aittiitudes, aind perceptiions of employees, both iindiiviiduails aind groups, regairdiing ongoiing sociiail phenomenai. Aiccordiing to previious reseairch (Ainaindai et ail., 2023), leaidershiip style aind work motiivaitiion haive ai siigniifiicaint iimpaict on employee performaince ait PT. Tiirtai Sukses Paindain. Where thiis staitement iis the saime ais the results of previious reseairch (Gemiinii, 2021) whiich showed thait leaidershiip style aind work motiivaitiion ailso haive ai siigniifiicaint iimpaict on employee performaince ait Baink Sulselbair Jeneponto Brainch. Thiis study iis ai development of reseairch (Ainaindai et ail., 2023) usiing quaintiitaitiive methods aind usiing ai Liikert scaile ais ai meaisuriing tool to how much iinfluence leaidershiip style aind work motiivaitiion haive on employee effectiiveness ait Plaismai PT. Graihai Iintii Jaiyai. Baised on taible 4.6, the results of the siimultaineous test (F test) show thait the cailculaited F vailue iis 426.340 aind iits siigniifiicaince reaiches 0.000. Meainwhiile, the F taible corresponds to the diistriibutiion taible ait ai 5% error raite of 2.72. Thiis iindiicaites thait the cailculaited F iis greaiter thain the F taible (426,340 > 2.72) aind iits siigniifiicaince iis 0.00, less thain 0.05.  

Human resource development is the process of preparing individuals to take on higher or different responsibilities within an organization, including enhancing intellectual abilities to support efficient task performance. This study aims to determine the extent to which human resource development contributes to improved employee performance at the East Lombok Regency Health Office. The qualitative, descriptive approach involved eight informants, consisting of officials familiar with the implementation of human resource development and staff who had participated in the program. The results indicate that education and training conducted by the East Lombok Regency Health Office have supported improved employee performance, as evidenced by more structured task implementation, public health monitoring surveys, and a decrease in maternal and infant mortality rates. However, in terms of human resource management, there are still shortcomings, with an average of 28 health workers per health facility, both civil servants and non-civil servants, reflecting an imbalance in workforce needs. Furthermore, the implementation of human resource development is supported by leadership commitment, inter-agency collaboration, and budget support from the provincial and central governments. However, it is hampered by limited qualified personnel, frequent policy changes, and the impact of natural disasters.

This study aims to analyze the effect of financial literacy and financial inclusion on the financial management of Micro, Small, and Medium Enterprises (MSMEs) in Makale District. Sound financial management is an important factor for the sustainability and growth of MSMEs; therefore, an empirical examination of the factors influencing it is necessary. This study employs a quantitative approach using a survey method. Data analysis is conducted through multiple linear regression with the assistance of SPSS statistical software version 26. The research population includes all MSME actors in Makale District, with a sample of 88 respondents selected using a random sampling technique to ensure equal participation opportunities. The independent variables in this study are financial literacy and financial inclusion, while the dependent variable is MSME financial management. The results indicate that financial literacy has a positive and significant partial effect on MSME financial management. This finding suggests that the better MSME actors understand financial concepts and practices, the better their ability to manage business finances. In contrast, financial inclusion does not have a significant partial effect on financial management. However, financial literacy and financial inclusion simultaneously have a significant effect on financial management. The coefficient of determination of 69.3% indicates that most of the variation in MSME financial management can be explained by these two variables. This study concludes that improving financial literacy is a key factor in enhancing MSME financial management.

Biodiversity is essentially a reflection of the number of species and individuals inhabiting a community, as seen in the Pteridophyta group. These plants, which have evolved to have differentiated roots, stems, and leaves, play an important role in forest systems, primarily as protectors of the soil surface from the effects of erosion, in addition to contributing to the decomposition of organic matter that produces nutrients, and being a major part of the producer chain in the trophic structure. The Jaboi hot spring area, located in the Sukajaya District of Sabang City, exhibits unique ecological characteristics, influenced by the presence of the Jaboi volcano, which gives rise to geothermal phenomena such as fumarole activity, hot steam emissions, and the emergence of high-temperature water flows. This geothermal dynamic directly causes alterations in the physical and chemical conditions of the local soil, thereby shaping habitat characteristics and influencing the existence of vegetation, including ferns. To date, there is little scientific information available on the diversity of ferns in this area. Therefore, this study was conducted to examine and measure the diversity of ferns in the Jaboi hot spring area. The study was conducted in October 2025 using an exploratory survey approach to determine plots and purposive sampling techniques for field data collection. Diversity analysis was based on the Shannon-Wiener index (Ĥ) formula. Based on the identification results, 15 species of ferns from a total of 6 families and 433 individuals were found. The diversity index obtained (Ĥ=2.490171) indicates a moderate level.

Social assistance programs are often a major concern during local elections. However, their impact on voter support for incumbents remains underexplored. This study analyzes how perceptions of social assistance influence voting behavior for incumbents in the 2024 Palangka Raya mayoral election. Using a sequential explanatory mixed methods design, the quantitative stage was conducted through a survey of 370 social assistance recipients and analyzed using PLS-SEM. The qualitative stage used 13 official documents and verified news reports to examine how social assistance was framed in the public sphere. The results show that perceptions of social assistance are the strongest predictor of the tendency to vote for incumbents, whereas political competition, demographic factors, and moderating effects are not significant. Qualitative analysis shows that social assistance issues are the most frequently mentioned theme in news reports and official documents, thereby reinforcing their relevance as a basis for evaluation by the beneficiaries. This study shows that voters tend to respond to the benefits of policies they perceive in determining their electoral choices, even within a public sphere that frequently raises issues of program politicization.

Sexually transmitted diseases remain a problem at the Puuwatu Community Health Center, where five cases of gonorrhea and one case of syphilis were found in 2024. Individual knowledge and attitudes toward the prevention of sexually transmitted diseases (STDs) play an important role in efforts to reduce the prevalence of these diseases. This study aims to determine the relationship between the level of knowledge and attitudes toward STD prevention measures in the Puuwatu Community Health Center working area. The research design used was an analytical survey with a cross-sectional approach. The research sample consisted of 91 respondents who were randomly selected from the community visiting the Puuwatu Community Health Center. Data were collected using a questionnaire that measured the level of knowledge, attitudes, and preventive actions for STIs. Data analysis was performed using the chi-square test to identify the relationship between the variables of knowledge, attitudes, and preventive actions. The results showed that there was a significant relationship between the level of knowledge (p=0.000) and attitude (p=0.002) towards PMS prevention measures. People with better knowledge about PMS tended to have a more positive attitude and took preventive measures more often. These findings suggest the need to improve health education programs that emphasize the importance of accurate knowledge and a positive attitude in PMS prevention in the region.

The development of digital technology has changed the communication and social interaction patterns of students, especially female students. Social media not only functions as a means of self-expression, but also has the potential to increase social pressure due to exposure to beauty standards and social validation. This study aims to analyze the influence of personality and social media usage on the level of social pressure among female culinary arts students at Medan State University. The approach used was quantitative with a survey method of 170 respondents, and the data were analyzed using multiple linear regression. The results showed that personality (β = 0.314, p < 0.001) and social media usage (β = 0.630, p < 0.001) significantly influenced social pressure. Social media factors were more dominant predictors than personality. These findings emphasize the importance of strengthening digital literacy and increasing self-confidence to minimize social pressure among female students in the technological era.

This study aims to analyze the influence of work discipline and organizational culture on employee job satisfaction at PT. Kelola Jasa Artha Semarang, with work motivation as a mediating variable. Work discipline and organizational culture are considered important factors influencing employee motivation and job satisfaction. This study used a quantitative approach with a survey method involving 105 respondents working at PT. Kelola Jasa Artha Semarang. Data were collected through questionnaires and analyzed using multiple linear regression and path analysis to examine the relationships between variables. The results indicate that work discipline has a positive and significant effect on work motivation, organizational culture has a positive effect on work motivation, and work motivation has a significant effect on job satisfaction. Furthermore, work motivation has been shown to mediate the influence of work discipline and organizational culture on employee job satisfaction. Therefore, improving work discipline and a supportive organizational culture can increase work motivation, which ultimately leads to increased employee job satisfaction within the company.

This research aims to analyze the role of internal social media (ISM) in facilitating collaboration and innovation among employees within organizations. With the increasing adoption of digital platforms in the workplace, ISM has become an important tool for enhancing communication, knowledge sharing, and social interaction. This study explores how the use of ISM influences employee collaboration, leading to increased innovation and overall organizational performance. Through surveys and interviews with employees across various industries, this research gathers data on ISM usage, perceptions of collaboration, and levels of innovation. The results of the study indicate that ISM plays a significant role in enhancing employee collaboration by providing a platform for easy communication, information sharing, and community building. Furthermore, the study finds that collaboration facilitated by ISM positively impacts employee innovation, leading to the development of new ideas, improved processes, and enhanced products. This research highlights the importance of ISM in fostering a culture of collaboration and innovation within organizations and provides practical insights for organizations looking to leverage ISM for competitive advantage.

This study analyzes the influence of visual aesthetics on Instagram feeds in shaping the brand image of @wmdfashion among its followers. In the digital era, visual presentation has become a key factor in how audiences perceive fashion brands, particularly through elements such as color consistency, layout, visual style, and content creativity. This research employs a quantitative approach using an online survey distributed to 100 active followers of @wmdfashion. A Likert-scale questionnaire was used to measure perceptions related to feed aesthetics and brand image. The data were analyzed descriptively and through simple linear regression to examine the effect of the independent variable on the dependent variable. The findings show that Instagram feed aesthetics have a positive and significant impact on brand image, indicating that visually consistent and appealing content strengthens perceived quality, brand associations, and consumer trust. These results underscore the strategic importance of visual branding for local fashion businesses in enhancing audience engagement and building a favorable digital brand image.

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in Indonesia's economic development. However, many MSMEs still face challenges in managing financial records and adapting to digital marketing, including the Cilor Maklor MSME in Argomulyo Village. The Cilor Maklor MSME in this location is one of the micro-enterprises that requires capacity building in both aspects. The main objective of this community service is to assist the Cilor Maklor MSME in understanding and implementing simple financial record-keeping methods and in improving its marketing capabilities through digital marketing, so that the MSME can adapt to current developments and expand its market reach. The method used in this activity includes three stages, namely: 1) MSME Survey, 2) Training and Mentoring, and 3) Evaluation. The results of the community service show an increase in MSMEs' knowledge, understanding, and skills in recording simple financial reports and in marketing products through digital platforms. In addition, this community service activity also has a positive impact on business capacity development and the sustainability of MSMEs.

The development of the automotive industry, especially automatic motorcycles in Indonesia, is increasingly rapid and triggers fierce competition between manufacturers, including Piaggio with the Vespa Matic LX product which has a unique design, elegant image, and different characteristics from other automatic motorcycles. This study aims to analyze the influence of price perception, promotion, product quality, lifestyle, and brand image on the interest in buying Vespa Matic LX in people in Tegal City. The research approach uses quantitative methods with survey techniques. The study population is the people of Tegal City who use or own a Vespa Matic LX, and because the population is unknown, the sample determination uses the Lemeshow formula so that 100 respondents were obtained. Data analysis included instrument tests, classical assumption tests, and multiple linear regressions with the help of IBM SPSS Statistics 22. The results showed that all variables—price perception, promotion, product quality, lifestyle, and brand image—had a positive and significant effect on purchase interest. These findings confirm that the management of the right marketing strategy in terms of price, promotion, quality, lifestyle, and brand image can increase consumer interest in the Vespa Matic LX. This research provides important implications for companies in formulating marketing strategies that are more effective and oriented to consumer needs.

This study aims to analyze the influence of service quality, product quality, price perception, and Word of Mouth on eyeglass purchasing decisions at Optik Anugerah Nganjuk. The background of this study is based on the increasing business competition in the optical sector and the increasing consumer awareness of the value, price, and quality of the products they consume. This study uses a quantitative approach with a survey method. The population in this study were all consumers of Optik Anugerah Nganjuk, with a sample of 88 respondents determined using a specific sampling technique. Data collection was carried out by distributing questionnaires compiled based on a Likert scale. The obtained data were analyzed using multiple linear regression methods to determine the influence of independent variables on the dependent variable. The results of the study indicate that partially service quality, price perception, and Word of Mouth have a significant effect on purchasing decisions, while product quality has no significant effect. However, simultaneously, all four independent variables have a significant effect on purchasing decisions. The findings of this study are expected to be strategic considerations for optical managers in improving service quality and the effectiveness of marketing strategies.

Facilities and infrastructure play a crucial role in enhancing the quality of learning in Playgroup (Kelompok Bermain). This study aims to examine the influence of the availability and management of facilities and infrastructure on the effectiveness of early childhood learning processes. A quantitative research method was employed using surveys with questionnaires distributed to teachers and administrators of Playgroups. The collected data were analyzed through descriptive statistics and regression analysis to determine the relationship between facilities and infrastructure and learning quality. The findings indicate that adequate facilities such as comfortable classrooms and educational aids significantly improve children's learning motivation and the smoothness of the learning process. Well-equipped environments enable teachers to deliver lessons more effectively, thus positively impacting children's learning outcomes. In conclusion, improving and maintaining facilities and infrastructure should be a priority for Playgroup managers to ensure optimal learning quality and support the holistic development of young children.

The development of information and communication technology has significantly transformed the way people conduct financial transactions. One prominent shift is the transition from cash-based transactions to non-cash payment systems, commonly referred to as a cashless society. The core concept of a cashless society relies on transactions conducted through electronic payment instruments. This study aims to examine the challenges and readiness of the Fakfak Regency community in navigating the transition toward a cashless society. Using a qualitative approach, data were collected through surveys and in-depth interviews with various stakeholders, including the general public, local government, financial institutions, and local business actors. Most existing studies on cashless society predominantly focus on urban areas and regions with well-developed digital infrastructure. This research offers novelty by exploring the challenges and readiness of communities in Fakfak Regency, one of the 3T (frontier, outermost, and disadvantaged) regions in West Papua, characterized by limited digital infrastructure, low financial literacy, and a significant digital divide. Data analysis was carried out using the Technology Acceptance Model (TAM) to identify factors influencing the adoption of non-cash payment technologies. The findings indicate that the community in Fakfak Regency is not yet fully prepared for a cashless society. The region remains in the early stages of adopting non-cash transactions and faces various obstacles, including limited technological capability and insufficient infrastructure to support improvements in financial and digital literacy. This study provides important contributions by presenting an empirical picture of cashless adoption in a 3T region and offers valuable insights for developing more inclusive, adaptive, and contextually appropriate policies for the local transition toward a cashless society.

The area of Pasir Putih beach is a recreational place for the people in Lampung province. Visitors to Pasir Putih Beach who bring vehicles can cause conflicts of delay that may lead to long queues on the Trans Sumatra Highway. This research aims to determine the performance of the Trans Sumatra road concerning the influence of the Pasir Putih Beach tour ist attraction using an unsignalized deviation approach caused by the impact of vehicle activities entering and leaving teh Pasir Putih Beach tourist spot.This is analyzed through road capacity regarding the degree of sautration (DS) and delay time (D) values of vehicles causes by the activities of vehicles entering and exiting at the Pasir Putih Beach tourist attraction. The results of the survey conducted in the field and the analysis of calculations obtained a saturation degree value on regular days of 0,59 and delay time value of 11,34 seconds/smp.

This study aims to empirically analyze how the implementation of Green Supply Chain Standards and halal certification affects the competitiveness of Food and Beverage SMEs in Padang City. Sustainable economic development requires the integration of environmental and ethical aspects in the supply chain, especially in the food sector. In Padang City, Food and Beverage SMEs are the driving force of the economy, facing a dual challenge of meeting consumer demands for halal products and environmentally friendly practices. This study uses a quantitative approach with a survey method. Primary data were collected through questionnaires from a sample of owners or managers of food and beverage SMEs operating in Padang City. Data management is carried out using regression analysis or Structural Equation Modeling to test the hypothesis of the effect of independent variables GSCM and Halal Certification on the dependent variable (SME Competitiveness). This research is expected to demonstrate that the implementation of GSCM positively affects the competitiveness of SMEs, and halal certification also has a significant positive impact on competitiveness, especially in expanding market access and increasing Muslim consumer trust.

This community service activity aims to strengthen the institutional capacity of the Muaro Saiyo Farmers Group through the integration of entrepreneurial independence and sustainable irrigation management. The main issues faced by the group are the weakness of the organizational structure, low entrepreneurial skills, and poorly coordinated irrigation management. The implementation methods include field surveys, socialization, thematic training (institutional management, post-harvest processing, and sustainable irrigation), mentoring, and evaluation through pre-tests and post-tests to measure changes in knowledge. The results of the activity show a significant increase in participants' knowledge, which improved from 25.9% in the "good" category before the training to 88.9% after the training. In addition, the group formed administrative documents, value-added rice products, and a trained irrigation management team. This program successfully created social changes in the form of new norms in farm management, strengthened the culture of mutual cooperation, and fostered the emergence of local leaders capable of mobilizing the group. Future recommendations include the development of more sustainable farming business units and continuous mentoring to strengthen the group's independence in the long term.

This study aims to analyze the influence of proactive behavior on competitive advantage in quail breeder MSMEs in Bendowulung Village, Sanankulon District, Blitar Regency. The background of this research is based on the importance of increasing the competitiveness of MSMEs in the livestock sector in order to be able to survive and develop in the midst of increasingly competitive market competition. The research method uses a quantitative approach with data collection techniques through surveys or questionnaires distributed to quail farming MSMEs. The data were analyzed using statistical methods, including validity tests, reliability tests, classical assumption tests, linear regression tests, and hypothesis tests to determine the significance of the influence of proactive behavior on competitive advantage. The results of the study show that proactive behavior has a positive and significant influence on competitive advantage. These findings indicate that the higher the level of proactive behavior of an individual or organization, the greater their ability to innovate, take initiative, and adapt to changing business environments. Thus, proactive behavior is a strategic factor in strengthening the position of quail breeder MSMEs in the market, increasing revenue, and encouraging sustainable business performance. This research contributes to the development of MSME management theory and practical recommendations for business actors and policy makers.