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This research aims to determine the benefits of the presence of financial technology in empowering Micro, Small, and Medium Enterprises (MSMEs) to enhance the economy in Brebes Regency, Central Java. The study adopts a descriptive quantitative and qualitative methodology, gathering data from various sources, various internationally accredited journals, and the Central Statistics Agency. The findings of this research indicate that financial technology has proven to be an effective tool in assisting MSMEs to enhance the economy. By leveraging financial technology appropriately, MSMEs can improve access to capital, operational efficiency, market reach, and financial literacy. Ultimately, this can stimulate the growth of MSMEs and enhance the well-being of the community in Brebes Regency, Central Java.

This study aims to examine the impact of digitalization on technological innovation in Micro, Small, and Medium Enterprises (MSMEs) through a qualitative literature review approach. In the era of digital transformation, MSMEs face various opportunities and challenges. Digitalization has the potential to enhance MSMEs' competitiveness by accelerating product, service, and business process innovation, but it also requires them to overcome limitations such as limited technological skills and financial constraints. By analyzing previous studies using the bivariate probit model, this study finds that digital technology adoption is positively correlated with increased innovation in MSMEs. Digitalization has been shown to expand market access, improve operational efficiency, and strengthen MSMEs' adaptability to changes in the business environment. However, internal and external barriers, such as low digital literacy and limited funding access, remain significant obstacles. This study emphasizes the importance of support from the government and related institutions in providing training and funding access so that MSMEs can fully leverage digitalization for sustainable innovation.

This study analyzes the influence of payment gateways, financial literacy, and digitalization on the financial performance of MSME actors in Brebes Regency, especially Mitra Mandiri MSMEs. MSMEs have a significant role in Indonesia's economy, but they still face various challenges, especially in the aspects of financial technology and digital literacy. Payment gateways enable faster and safer transactions, while financial literacy supports better cash flow management and financial planning. Digitalization also plays a role in improving operational efficiency. This study uses a quantitative method with a survey approach to 51 respondents. Data were collected through questionnaires and analyzed by multiple linear regression to test the relationship between variables. The results of the study show that payment gateways and financial literacy have a positive and significant effect on the financial performance of MSMEs. Payment gateways improve transaction efficiency and expand market access, while financial literacy helps in better financial management. However, digitalization does not have a significant influence on financial performance, showing that the implementation of digital technology still faces obstacles in the adoption and optimal utilization by MSME actors. These findings emphasize the importance of increasing the use of payment gateways and financial literacy education for MSME actors to improve their financial performance.

SMES (Micro, Small and Medium Enterprises) often face significant challenges, especially related to financial and workforce risk management. This research aims to analyze Lela Florist's financial risk management. In this research, a descriptive qualitative approach with interviews was used to collect data from business owners and female employees. The analysis is carried out with a focus on financial risk management strategies, such as product and service diversification, creative promotions, cash flow management, separation of company assets and access to capital. Lela Florist has implemented various strategies to manage financial risks effectively. Diversification of products and services, creative promotions, and utilization of online delivery and ordering services help reduce financial risks and maintain revenue stability. Meanwhile, efficient management of employee costs, employee development and effective performance management increases productivity and maintains service quality. This research shows that Lela Florist's financial risk management has effectively played an important role in the operational success of SMES.  

Juanda International Airport is an airport located in Sidoarjo, East Java Province and is one of 14 airports managed by PT. Angkasa Pura I. The operational activities of Juanda International Airport produce 1.120 /day wastewater. This study aims to determine the quality of wastewater after the treatment process and evaluate the performance of the STP (Sewage Treatment Plant). Evaluation of STP (Sewage Treatment Plant) performance is based on the existence of one unit that is not operating so that the wastewater produced can potentially not meet the predetermined quality standards. The evaluation is carried out by analyzing wastewater sample at the inlet and outlet, discharge and comparing parameter tes results with predetermined standards. The pramaters used as a reference are BOS, COD, TSS, Ammonia, and Total Coliform. The wastewater outlet produced by Juanda International Airport is in accordance with the Minister of Environment and Forestry Regulation Number 68 of 2016 concerning Domestic Wastewater Quality Standards.

This article aims to analyze the level of understanding among Generation Z in Medan, Indonesia, regarding the money market and capital market. The study employs a survey method with questionnaires distributed to 100 respondents aged 18-25 in Medan. The collected data are descriptively analyzed to depict the respondents' knowledge and understanding of the basic concepts, instruments, and operational mechanisms of the money market and capital market. The research findings indicate that although most of Generation Z in Medan are aware of the existence of financial markets, their understanding of the operational details and functions of the money market and capital market remains relatively low. Education and access to information are identified as primary determinants influencing this understanding level. These findings indicate the need for enhanced financial literacy through more intensive and targeted educational programs for this age group in Medan.

This article investigates the adverse impacts of unintentional or operational ship discharges on marine ecosystems and elucidates the significance of Particularly Sensitive Sea Areas (PSSA) as an approach to safeguard the marine environment from international shipping activities. Focusing on IMO resolutions and the United Nations Convention on the Law of the Sea (UNCLOS) framework, the article analyzes the PSSA concept, underscores its role in pollution prevention, and explores inherent limitations. Specifically, it delves into the legal status of PSSA, the binding nature of IMO resolutions, and implementation challenges. Through in-depth analysis, the author concludes the necessity for revising PSSA resolutions to enhance legal clarity and effectiveness in marine environmental protection.    

Good audit quality is an important factor in ensuring the integrity and reliability of an entity's financial reports. This research aims to examine the influence of free cash flow and audit committee effectiveness on audit quality. Free cash flow reflects the availability of financial resources for a company to finance operational and audit activities. Meanwhile, an effective audit committee can ensure adequate oversight of the financial reporting and audit processes. This research uses panel data which includes companies listed on the Indonesia Stock Exchange during the 2018-2022 period. Free cash flow is measured using the ratio of operating cash flow to total assets, while audit committee effectiveness is measured using a composite score that includes the audit committee's independence, expertise and activities. Audit quality is assessed based on proxies such as the size of the public accounting firm, auditor industry specialization, and audit fees. The research results show that free cash flow and audit committee effectiveness have a significant positive influence on audit quality. Companies with high free cash flow tend to have adequate resources to pay higher audit fees, thereby encouraging auditors to carry out a more in-depth and quality audit process. In addition, an effective audit committee can ensure good oversight of the financial reporting and audit process, thereby improving audit quality. These findings provide important implications for companies and regulators in improving audit quality through managing free cash flow and establishing effective audit committees. Future research can explore other factors that influence audit quality and include relevant control variables.

Abstract. This case study explores the influence of transformational leadership style in facilitating innovation and synergy in an institution. Through the analysis of conceptual relationship diagrams among various operational elements within the organization, this study demonstrates how transformational leadership impacts decision-making processes, innovation, and competency enhancement. In this context, leadership acts not only as a decision maker but also as a motivator inspiring active participation and commitment from team members. The emphasis on consultation and coordination in decision-making illustrates the implementation of democratic practices supporting a collaborative and inclusive work environment. Furthermore, the study identifies innovation as a central pillar driving the institution to adapt to changes and meet the dynamic market needs. Initiatives such as the implementation of modern technology and new approaches in human resource management are illustrated as key components in the organization’s innovative strategy. The findings of this case study underscore that transformational leadership is effective in triggering organizational growth and sustainability by integrating innovation and collaboration. The implications of these findings provide important insights for other institutional leaders in designing leadership strategies that not only direct the organization to achieve its targets but also ensure ongoing adaptation and growth in a continually changing environment. This study offers valuable contributions to the literature on organizational leadership, particularly in the context of institutions operating in the era of globalization and digital transformation.

This research aims to obtain information regarding how much influence operational costs have on the amount of net profit obtained by a company and the author hopes that this research can provide benefits to the company's existence in order to maintain the continuity of a company's production process and provide motivation to become a better company. This research uses a descriptive-comparative research method with a qualitative approach.  According to Adiputra et al., (2021) Descriptive research is research that aims to describe existing phenomena, namely natural phenomena or man-made phenomena, or that is used to analyze or describe the results of the subject, but is not intended to provide wider implications. Research using this method will determine significant relationships between the variables studied so that it will produce conclusions that clarify the picture of the object being studied. Conclusions based on the results of research analysis using descriptive-comparative research methods with a qualitative approach. It can be concluded that from the 15 articles used to explain that operational costs show a very significant and dominant influence on net profit. This can be identified from the 11 articles that use this component.

The Ritel business in Indonesia is growing and increasing every year because it is considered a promising investment with great potential for significant profits. This study aims to understand and evaluate the layout of Retail Lestari's business. The method used in analyzing the data is the Activity Relationship Chart (ARC) and Total Closeness Rating (TCR) method. Based on the results of the Activity Relationship Chart (ARC) analysis of Ritel Lestari, the facility prioritized for first construction is the cashier, as the cashier has the highest Total Closeness Rating (TCR) value of 76. Therefore, to facilitate the operational process, the placement of other facilities is prioritized based on their highest relationship values to the warehouse to be in close proximity.

An experiment examined micrometer shifts in optical fibers to understand sensor characteristics: range, linearity, sensitivity, and resolution. Findings showed voltage output decreases with fiber length. The fiber coupler sensor's range was 2 mm, and the fiber bundle sensor's was 25 mm.While not perfectly linear, the study identified operational ranges using y = ax + n. The fiber bundle had two linear regions: Front Linear (0.2-1.6 mm) with R² = 0.9918 and Rear Linear (2.3-8.3 mm) with R² = 0.977. The fiber coupler's linear trend spanned 0.3-2.1 mm with an R² of 0.944. Sensitivity was 4668.5 V/mm (front) and 780.91 V/mm (rear) for the fiber bundle, and 215.79 V/mm for the fiber coupler. Resolution was 0.0107 µm (front), 0.0640 µm (rear) for the fiber bundle, and 0.2317 µm for the fiber coupler. These findings shed light on optical fiber shift sensor parameters.

The development of housing credit provided by the North Lampung Matrix Housing Developer sometimes gives rise to bad credit problems, where the realization of the credit provided does not reach the predetermined target. This can affect North Lampung Matrix Housing activities and impact developer accountability. What is the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung? The research results show that the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas at Matrix Housing in North Lampung includes the obligation to collect debtors who experience problematic credit who collaborate with the developer. North Lampung Matrix Housing Partners Bank, basically this obligation has not been specifically regulated in the banking law and still uses general rules such as the Banking Law, Civil Code and Law Number 40 of 2007 concerning Limited Liability Companies. The absence of special "lex specialis" regulations is a weakness in responsibility when bad credit occurs. All components of North Lampung Matrix Housing have juridical responsibility for all operational activities. Resolving problem loans at Matrix Housing in North Lampung can be done in two ways, namely litigation efforts through the courts and non-litigation efforts through preventive measures such as anticipating the emergence of bad credit, early warning and negotiation.

In an increasingly competitive and dynamic business era, companies are faced with increasing pressure to achieve success. To achieve this goal, operational efficiency, effectiveness and consistency are key. Standard Operating Procedures (SOPs) are present as an important instrument in guiding companies towards this achievement. SOPs are written guidelines that detail the steps and procedures that employees must follow in carrying out their daily tasks. A good SOP implementation helps companies ensure that every step taken by employees is in accordance with the set standards, reduces the possibility of errors, and improves the quality of the final result. However, awareness of the importance of SOPs is still uneven among companies, and many have difficulty in implementing them effectively. SOPs play a crucial role in improving operational efficiency, reducing the risk of errors, and ensuring compliance with regulations and industry standards. By providing clear guidance to employees, SOPs help in minimizing confusion, speeding up workflow, and increasing productivity. In addition, SOPs also help in maintaining consistent product quality and ensuring compliance with production standards. The importance of operational consistency cannot be overlooked either, as consistency creates customer trust, improves efficiency, and creates a stable work culture. Effective implementation and management of SOPs are key in ensuring operational success. The implementation process begins with the identification of business processes that require SOPs, development of clear SOPs, employee training, and continuous monitoring and evaluation of SOP compliance and effectiveness. In the manufacturing industry, SOPs are essential in maintaining product quality, occupational safety and health, and supply chain management. SOP helps in maintaining consistent product quality, creating a safe and healthy work environment, and optimizing material flow, inventory, and product distribution. Overall, the implementation of clear and well-defined SOP in various aspects of operations is key to ensuring the sustainability and success of the company. By implementing SOP well, companies can improve operational efficiency, maintain product quality, minimize the risk of errors, and ensure compliance with industry regulations and standards, enabling them to remain competitive in an increasingly complex market.  

One of the characteristics of the oil and gas sector, especially drilling activities, is High Cost, namely high operational costs. Therefore, efficient and effective use of time is necessary to reduce operational costs. Evaluation of the influence of ILT and NPT on drilling activities was carried out to find the factors that made drilling time so long. Identifying KPIs for each activity is necessary to find out what activities can be optimized. From the analysis results it was found that the Invisible Lost Time value was 33.12% (198.75 hours) and Non-Productive Time was 18.37% (110.25 hours) caused by less than optimal performance and equipment failure. The author believes that the factors causing the relatively high ILT and NPT can still be optimized so that the costs required during drilling activities are in accordance with the desired planning.    

Retail business is a business that sells a variety of products, such as daily necessities, household needs, fashion products, beauty, and electronics. One of the important factors that retailers must pay attention to in order to attract buyers to come to the store is layout management. Therefore, this research aims to analyze the layout of space in one of the retail stores located in Bogor, namely Minimarket Malabar so that its operational activities are optimal. This research was conducted using the Activity Relationship Chart (ARC) and Total Closeness Rating (TCR) methods. ARC and TCR analysis shows that the display room becomes the highest space value of 168, meaning that the room is the most important and influential on Minimarket Malabar, so it must be in a strategic place. And the toilet becomes the lowest value of 6 which means that the toilet does not have an important influence on the layout of the Malabar Minimarket space to optimize operational activities.

Efficiency problems in spatial planning at LSU Farm have a significant impact on the effectiveness of the production process. The proximity of raw material storage warehouses to sorting and packaging zones results in congestion that disrupts product flow and quality, as well as triggering backtracking and line crossings that are detrimental to materials management. To overcome this, the Activity Relationship Chart (ARC) method was applied which considers interactions between critical areas such as inbound, sort & repack, outbound, warehouse, employees, cold storage and outdoor offices. ARC's analysis compares the importance of connections between facilities for easier access and consumer convenience, as well as reducing unnecessary movements and improving quality control. The analysis results show that the sort & repack area with the highest Total Closeness Rating (TCR) value (117) is a priority in layout reorganization. Based on these findings, it is recommended that production input warehouses be positioned further away from sorting and packaging areas to maintain product quality and avoid chemical contamination, in line with improving overall operational efficiency.

Effective and efficient workshop management is a crucial element in the shipbuilding industry to ensure smooth production processes and quality final results. In an effort to increase efficiency and productivity, this research optimizes workshop management from equipment to monitoring project work on this system. Especially in the HO (Hull Outfitting) system at PT. PAL INDONESIA. The case study method was used to collect data from field observations, interviews with relevant personnel and analysis of documentation related to application implementation. This application facilitates more detailed real-time monitoring of workshop activities, allowing managers to quickly identify and resolve operational problems and take necessary corrective actions. The use of this application also aims to improve equipment and material management with more efficient scheduling and better integration between various departments. Implementing the HO (Hull Outfitting) system in applications also provides additional benefits, such as more integrated and comprehensive project management, better monitoring of the condition of workshop equipment, and reduced risk of errors and delays. With a web-based application, the equipment calibration and maintenance process is more structured, transparent and responsive to changes. These findings underline the importance of information technology in supporting the optimization of workshop management and increasing productivity in the shipbuilding industry.

Digital transformation has become an important paradigm shift in the management of office documents and information in the modern era. This article discusses the application of the latest technology in the management of office documents and information, specifically in the company PT Victory Prima Abadi. Through this case study, we will see how the company explores the potential of digital technology to improve efficiency and productivity in their operations. By integrating various technology solutions such as financial program applications, a digital attendance system, and the use of Microsoft Excel for document management, the company has made strides towards more efficient document management. However, challenges remain, especially in dealing with the aspect of archive storage that still relies on manual methods. This article aims to explore the company's efforts in utilizing analytics and artificial intelligence technologies to improve efficiency in the archive shrinkage process and identification of documents that require long-term storage. The results show that the utilization of digital technology in document and office information management has had a significant positive impact and has become a key element in the company's strategy to achieve future operational success. By continuing to develop and implement appropriate technology solutions, companies can further optimize document and information management and prepare for the challenges and opportunities of an increasingly connected and rapidly changing business world.

The presence of artificial intelligence (AI) technology has revolutionized efforts to protect data in offices. The challenges organizations face in maintaining information security are becoming increasingly complex as technology advances, but the benefits of AI provide an effective solution to optimize information security. In this summary, we discuss the challenges and benefits of AI in office data protection, focusing on enhancing information security.The first challenge is the increasing complexity of cyber attacks. Attackers are constantly looking for new vulnerabilities and using more sophisticated attack techniques to breach security systems. Adequate data protection is needed to address this challenge and prevent unauthorized access to critical company information. Additionally, a lack of knowledge about managing and monitoring security systems is a major challenge for many businesses.However, the use of AI to protect office data offers several advantages. First, AI's ability to quickly and accurately detect security threats aids in early detection of cyber attacks. Predictive analysis supported by AI can also detect dangerous patterns and prevent attacks before they occur. Furthermore, using AI to automate security processes can optimize operational efficiency and accountability for events that occur. AI-based security can significantly reduce the risk of data breaches and cyber attacks.The use of AI technology in office data protection is not only a supportive tool but also an innovative and efficient solution to address increasingly complex challenges in information security. We hope this overview provides a deeper understanding of the challenges and benefits of AI in protecting office data, as well as efforts to optimize information security in this digital era.