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This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a key driver in the development of Financial Technology (Fintech) that contributes to increasing financial inclusion in Indonesia. Using qualitative methods through a descriptive approach, this study focuses on exploring and understanding phenomena related to QRIS implementation and its impact on the national digital financial ecosystem. Research data was obtained through literature studies from various relevant primary and secondary sources, thus providing a strong theoretical and practical foundation. The results show that QRIS functions as a link between cross-platform digital payment ecosystems, enabling interconnection between service providers, and facilitating non-cash transaction processes in a faster, safer, and more efficient manner. Furthermore, QRIS not only supports the development of financial technology in urban areas but also expands the reach of digital financial services to remote areas that were previously difficult to access by conventional banking services. Thus, QRIS plays a significant role in encouraging public participation in the formal financial system and helping achieve the national financial inclusion targets set by the government. This study concludes that QRIS is a strategic instrument in strengthening the foundation of Indonesia's digital economic transformation. Increasing financial inclusion not only impacts equitable access to financial services but also contributes to more inclusive and sustainable economic growth. These findings illustrate that QRIS is a technological policy innovation with strategic value, not only as a transaction tool but also as a driving force for digital financial integration in the era of national economic transformation. QRIS is a strategic tool in realizing national financial inclusion targets and supporting the vision of transformation towards Indonesia's digital economy.

The implementation of digital citizenship in public policy in developing countries still faces various challenges. Therefore, a comprehensive strategy is needed, including improving digital access, digital literacy education, and supportive regulations for active and responsible citizen engagement. This study provides insights for policymakers in designing more inclusive regulations to strengthen citizen participation in the digital era. In the research on the Application of Digital Citizenship Principles in Public Policy: Case Study of Developing Countries, the methods used refer to the approaches that have been used in the journals in the bibliography.  

Micro, Small and Medium Enterprises (MSMEs) in the Social Service of the North Sumatra Province Batubara Regency are business operators engaged in the business sector, which touches the interests of the community around the Regency of Coal. MSMEs have an important position, not only in employment and public welfare, in many ways they are the glue and stabilize the problem of social inequality. MSMEs are currently very developed. However, the current problem that arises is that the Chair of the UMKM in Coal is having difficulty monitoring MSME social funding assistance provided to communities around Coal, the lack of public understanding of the reporting of the social assistance fund accountability and due to these inaccessible location conditions that triggered the social services difficult to monitor. then we need an information system that is able to do data collection, management, monitoring the use of aid funds. In addition, the Social Service can directly monitor the responsibility of MSMEs in managing aid funds.The results of this study are a monitoring information system application that replaces the previously running process, in this application makes it easy for the recipient to know the amount of assistance received and in making reports can be directly accessed online.

Infrastructure development often faces challenges, especially with manual and unintegrated reporting systems. Manual reporting is time-consuming, prone to errors, and difficult for stakeholders to access, leading to supervision issues, budget misuse, and project delays. To address these problems, integrated digital reporting systems offer a promising solution to improve efficiency, transparency, and accountability. This study evaluates the effectiveness of the SILAT JANTAN application in supporting road infrastructure damage reporting in Kabupaten Madiun. Using a qualitative descriptive approach, data were gathered through in-depth interviews, field observations, and document analysis. The study applies the Technology Acceptance Model (TAM), focusing on perceived usefulness and ease of use by application users. Results indicate that SILAT JANTAN enhances reporting effectiveness, although challenges such as limited socialization and community participation remain. Recommendations include improving socialization, user training, and system strengthening to support sustainable technology adoption. This research aims to guide the development of a more effective and efficient digital reporting system to improve public services in Kabupaten Madiun.  

Online lending has become an increasingly popular financial solution in Indonesia, providing easy access to funds for people who are not fully served by traditional financial institutions. Despite offering many conveniences, the rapid growth of online lending brings various risks, such as the rise of illegal online loans, high interest rates, and the potential misuse of users' personal data. This research aims to analyze consumer protection in online loan transactions, by reviewing existing regulations, such as Law No. 8/1999 on Consumer Protection, OJK Regulation No. 77/Pojk.01/2016, and the Electronic Information and Transaction Law (ITE Law). This research uses a normative legal research method with a statutory approach that prioritizes legal materials in the form of laws and regulations as the main reference. Data collection techniques are carried out through library research, analyzing relevant regulations and related literature. The results show that although these regulations already exist, the implementation of supervision and law enforcement is still weak, resulting in many violations harming consumers. Stricter supervision from OJK, strict sanctions against illegal fintech providers, and increased education to the public about their rights as consumers are needed. With more effective supervision and clearer regulations, it is hoped that the online lending industry can develop healthily and provide benefits without harming consumers.

This study examines the role of technology and innovation in supporting the growth of the Islamic economy in Muslim countries. The development of digital technology has brought significant changes to people's lives, particularly in economic activities. The presence of the internet, smartphones, and various digital platforms has made economic activities easier, faster, and more practical. This research shows that technology and innovation have a significant influence on the development of the Islamic economy. Technology helps people access Islamic economic services more easily and efficiently. Overall, technology and innovation play a crucial role in strengthening the growth of the Islamic economy in the digital era. Therefore, support from the government, financial institutions, the business community, and the public is needed to ensure that the use of technology in the Islamic economy can develop optimally and remain in accordance with Sharia values.

This study aims to evaluate the financial performance of four cement companies listed on the Indonesia Stock Exchange (IDX) during the 2013 period. To achieve this, a descriptive quantitative approach was employed, utilizing purposive sampling. Data for the study was gathered from annual financial reports, which were publicly accessible through the official websites of the IDX and the individual companies. The analysis was carried out using the Du Pont System, a method that decomposes return on equity (ROE) into its components to assess the financial performance of the companies. The results of the analysis reveal that PT Inisial A exhibited the strongest financial performance among the four companies, demonstrating superior efficiency, profitability, and leverage. Following PT Inisial A, PT Inisial X performed moderately well, showing stable financial health but with some room for improvement in certain areas. On the other hand, PT Inisial Y and PT Inisial Z displayed the weakest performance, with PT Inisial Z facing significant challenges in maintaining profitability and managing its assets efficiently. This study’s findings provide valuable insights for investors, as it highlights the financial strengths and weaknesses of the companies involved, assisting them in making more informed investment decisions. Additionally, the results can serve as a reference for other companies within the cement industry, allowing them to identify areas for improvement and potential strategies for enhancing their financial performance. Furthermore, the research may contribute to future academic studies on corporate financial performance, particularly in the context of the cement industry in Indonesia. Overall, this research is expected to benefit both practitioners and academics by providing a comprehensive analysis of the financial status of the companies in question.

Taxes are responsible for providing services and development to the community because the country’s main income comes from taxes. However, the low level of taxpayer compliance is a significant challenge. This study aims to examine how the implementation of e-tax improves taxpayer compliance in Indonesia. The researcher used a descriptive qualitative approach method by analyzing various previous journal studies. The results of the study indicate that among the  many benefit provided by e-tax, there are still obstacles in the implementation of e-tax among the taxpayer. Public awareness which is still minimal is the main challenge in implementing taxes electronically. Limitations and gaps in infrastructures that affect internet connections in their implementation make it difficult to access the DJP Online Portal. Technological developments also increase vulnerability to security, the government is required to guarantee the security of taxpayer financial data. The influence of tax implementation that affects taxpayer compliance with E-Filling. Tax payment not only covers building but also law enforcement in the field  of motor vehicle taxation. Currently the E-Samsat system has begun to be implemented which provides convenience in the tax payment process. To optimize this e-tax system, there are several strategies in the form of developing and improving the e-Filling system, providing comprehensive tax services. With a structured approach, e-tax has great potential to support digital tax reform and can improve administrative efficiency and also strengthen the country’s fiscal foundation as a whole.

The formation of the Saber Pungli Task Force was carried out as a firm and real step by the government to restore public trust, so that through Presidential Regulation Number 87 of 2016 concerning the Clean Sweep Task Force for Illegal Levies, all city areas in Indonesia formed the task force to eradicate and enforce the law. This type of research is empirical. After the data is obtained, the researcher will group the data based on the data source and analyze it to get answers to the formulation of the problem in this study. The results of the study show that the Clean Sweep Task Force for Illegal Levies (Satgas Saber Pungli) was formed with the aim of eradicating the practice of illegal levies that occur in various public service sectors in Indonesia, and the Clean Sweep Task Force for Illegal Levies at Tenau Port involves various activities aimed at overcoming and preventing the practice of illegal levies in various public service sectors to create a public service system that is free from extortion and increase public trust in public services. In its implementation, various inhibiting factors are still encountered, namely the weak performance of the task force in the field, aspects of facilities and infrastructure such as the low reporting channels that are friendly and easily accessible to the public, and the budget which is still a real challenge in implementing the Saber Pungli Task Force function, especially in areas such as East Nusa Tenggara Province (NTT) which has geographical characteristics as an archipelago.

Banjarsari Sub-district is one of the government agencies that has duties and functions in supporting public services, especially population administration services. To realize maximum service, Banjarsari Sub-district presents the “Mlebu Peteng” innovation, namely administrative services at night as a form of adaptation to the needs of people who have limited time during regular working hours. This innovation is an effort to improve service quality by expanding community access to public services. The purpose of this research is to describe the implementation of the “Mlebu Peteng” night service at the Surakarta City Banjarsari Sub-district Office and the obstacles experienced during the service process. The research method uses a descriptive qualitative approach with data collection techniques through observation, interviews, and documentation. The results showed that the implementation of the “Mlebu Peteng” innovation has helped the community in obtaining services outside working hours, with the level of community satisfaction reaching 91.77% in 2024. Based on George C. Edward III's policy implementation theory, the success of this innovation is supported by effective communication, adequate resources, positive disposition of officers, and a clear bureaucratic structure. However, there are several obstacles such as the lack of budget for officer incentives, uneven understanding of technology among staff, limited KTP-el recording services and SOPs that do not include mechanisms for handling technical complaints.

The development of the Nusantara Capital City (IKN) in East Kalimantan presents significant legal challenges regarding local communities' land ownership. Although regulations such as Law Number 3 of 2022 on the National Capital, Law Number 2 of 2012 on Land Procurement for Public Interest Development, and Law Number 5 of 1960 on Basic Agrarian Principles provide legal protection mechanisms, the reality on the ground indicates various obstacles in implementing these laws. Therefore, this study aims to analyze the legal protection available for land ownership held by local communities in the development of IKN. Additionally, it seeks to identify challenges related to the implementation of the prevailing legal framework. An empirical juridical approach is employed to examine legislative provisions and field realities, including conflicts arising in the land acquisition process. The findings reveal that legal protection remains hindered by a lack of transparency, weak access to justice for local communities, and uncertainty in the compensation mechanism. Consequently, improving transparency, strengthening regulations, and ensuring active community involvement in every stage of land procurement are crucial to prevent the development of IKN from compromising the rights of local communities.

This study aims to understand how the Online Single Submission (OSS) system is implemented at the Investment and One-Stop Integrated Services Office (DPMPTSP) of Jambi Province, and how it influences service accessibility, investment growth, and local economic development. OSS is a digital licensing system developed by the Indonesian government to simplify and accelerate the business licensing process through an integrated platform. This research uses a descriptive qualitative method, with data collected through interviews, observations, and documentation from DPMPTSP staff and business owners who use the OSS system. The results show that OSS helps simplify the licensing process and makes services more transparent. However, there are still challenges such as limited user understanding, uneven internet access, and weak inter-agency coordination. Despite these challenges, OSS is considered to have supported a more favorable investment climate and encouraged regional economic growth. Therefore, it is necessary to improve users' digital literacy, update the OSS system, and strengthen cooperation among related institutions.

Theft of railroad rails in South Lampung is a crime that threatens the safety of transportation and public services. This study aims to analyze the factors that cause this crime and examine the prevention efforts that have been made. The method used is an empirical approach through literature studies and interviews with the police, perpetrators of crime, and academics. The results of the study show that theft is triggered by socio-economic factors such as poverty, unemployment, lack of family supervision, and negative social environmental influences. Lack of legal understanding and easy access to crime information also worsen the situation. Prevention efforts are carried out through three approaches: pre-emptive (legal education and social development), preventive (supervision and protection of infrastructure), and repressive (law enforcement). Collaboration between the community and law enforcement officers is the main key to preventing and overcoming this crime in a sustainable manner.

The hastag No. viral No. justice has recently emerged on social media platforms creating its own discourse in the justice system. This research aims to examine how the impact of this phenomenon on the judicial system and to find the ideal mechanism of digital transformation of justice so that this phenomenon remains in line with the principle of due process of law.This research method uses a social legal with a case study approach and conceptual approach in answering the problem formulation. This research found that this phenomenon is motivated by the slow response of law enforcement officials and the lack of transparency of the judicial system, then the impact of this phenomenon disrupts the independence of the judiciary because it is tried by the media and has the potential to accommodate the spread of hoaxes and public disinformation. To answer these challenges, the author proposes a digital transformation of the judiciary through the optimization of SIPP, by adding a verification link feature on the SIPP page. So that access to case tracking becomes more transparent. In addition, there are also new rules regarding the publication of unresolved legal cases on social media by requiring the admin and related accounts to provide a disclaimer and link to the SIPP verification link of the case. This regulation is regulated through the revision of the ITE Law by the legislators.

E-commerce has shown very rapid development in recent years as a result of advances in digital technology, changes in consumer preferences, and increasing access to the internet. This study aims to explore the direction of development, challenges, and potential of e-commerce in the future through the Systematic Literature Review (SLR) method of scientific publications published between 2018 and 2024. Of the 203 articles reviewed, 40 articles were selected for further analysis. The results of the study identified five main categories, namely: technological advances (including AI, IoT, and AR), consumer behavior trends, innovations in business models, regulatory and security issues, and opportunities open to MSMEs. The conclusion of the study confirms that the future direction of e-commerce will be largely determined by technology integration, policy adaptability, and business responses to changes in the digital market. These findings are expected to be a reference for academics, business actors, and policy makers in developing inclusive and sustainable e-commerce strategies in Indonesia.

Young people play a very important role in today's political dynamics. In the context of rapid social change and advances in information technology, young people have found new ways to express their opinions and participate in the political process, one of which is through digital activism. Digital activism refers to political involvement carried out by young people by utilizing digital instruments, especially through social media. This research focuses on youth engagement in digital activism and explores the impact of these new movements on social and political change. The methodology used is a qualitative approach by utilizing secondary data from literature studies, while the applied analytical techniques are descriptive and analytical. The results of the study show that there are various forms of digital activism, including online campaigns, petitions, the use of hashtags, and mobilization of movements through social media. Digital activism also has the potential to influence public policy and public perception. However, this movement is also faced with a number of challenges, such as disinformation, propaganda, and technical obstacles such as uneven internet access in various regions. From this research, it is hoped that new insights can be obtained about the dynamics of youth political participation in the digital era, as well as provide recommendations for social activists and policymakers to support the active involvement of the younger generation in the political process.

This article examines the implementation of Google Sites as a platform for developing a digital magazine by students of MAN 3 Solok. The research aims to describe the design, execution, and evaluation processes of utilizing Google Sites in creating a digital magazine, as well as to identify the challenges and benefits encountered. The method employed involved training and direct mentoring for 20 members of the student council at MAN 3 Solok. The results indicate that 70% of participants successfully accessed the website and created the digital magazine effectively, while 30% faced operational and infrastructure-related technical challenges. The use of Google Sites has proven effective in enhancing digital literacy, creativity, and collaboration among students in creating digital-based school publications. Through this activity, students not only gained technical skills but also developed essential creative thinking, problem-solving, and collaborative abilities in the digital era.

This article examines the implementation of Google Sites as a platform for developing a digital magazine by students of MAN 3 Solok. The research aims to describe the design, execution, and evaluation processes of utilizing Google Sites in creating a digital magazine, as well as to identify the challenges and benefits encountered. The method employed involved training and direct mentoring for 20 members of the student council at MAN 3 Solok. The results indicate that 70% of participants successfully accessed the website and created the digital magazine effectively, while 30% faced operational and infrastructure-related technical challenges. The use of Google Sites has proven effective in enhancing digital literacy, creativity, and collaboration among students in creating digital-based school publications. Through this activity, students not only gained technical skills but also developed essential creative thinking, problem-solving, and collaborative abilities in the digital era.

This study examines the universal concept of human rights as fundamental to all individuals. Human rights reflect dignity, equality, autonomy, and legal protection, and must be ensured by the state. Although broadly accepted, continuous education and public awareness—especially for marginalized groups—remain essential. In Gorontalo Province, the Ministry of Law and Human Rights’ Regional Office plays a pivotal role in responding to alleged human rights violations through its Community Communication Services Program, as regulated by Ministerial Regulation No. 23 of 2022. Using an empirical legal approach, the study gathers data through literature reviews, legal documents, and interviews with relevant stakeholders. Findings show that the Regional Office serves as a key constitutional institution promoting access to justice and upholding legal protections. Its activities include handling public complaints, forming investigative teams, and coordinating with law enforcement and legal aid bodies. Legal aid—both state-sponsored (pro deo) and volunteer-based (pro bono)—emerges as a crucial tool for promoting justice, especially for the underprivileged. The structured complaint mechanism under Ministerial Regulation No. 23 of 2022 strengthens the state’s role in ensuring equality before the law and fulfilling its constitutional obligations to protect human dignity and human rights.

Digital transformation has become a crucial part of improving public services. This study explores the use of the Tangerang LIVE application as a digital innovation by the Tangerang City Government to support the smart city concept and promote e-government practices. The application is designed to help residents easily access administrative services and submit complaints in a faster and more transparent way. Using a qualitative approach based on literature review, the study draws data from academic journals, policy documents, and performance reports. The findings show that Tangerang LIVE significantly improves the convenience and efficiency of public services. However, challenges remain — including limited public outreach, low digital literacy, and several technical features that need improvement. The success of such digital services depends not only on good user interface design and accessible information but also on timely technical support and strong community engagement. This study suggests the need for broader digital education, ongoing technical development, and stronger collaboration between government, communities, and private sectors. With these efforts, digital public services can become more inclusive, sustainable, and better aligned with the needs of the people.