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Inclusive and sustainable economic growth is a major challenge in today's digital age. Financial technology (FinTech) plays an important role in bridging the financial access gap while supporting environmental responsibility through the application of green finance. This study aims to analyse the role of FinTech in promoting inclusive economic growth and environmental sustainability, particularly through the application of blockchain technology in urban renewable energy systems. The research method uses a qualitative approach with secondary data analysis, supported by mathematical models to measure green financial inclusion and FinTech investment efficiency. The results show that the implementation of green FinTech significantly increases financial inclusion, expands economic access for the MSME sector, and reduces carbon emissions through investments in environmentally friendly energy projects. Global case studies in India and Sweden show that multisectoral collaboration and adaptive regulatory policies are key to creating a sustainable FinTech ecosystem. Therefore, the integration of technology, policy, and digital literacy among the public is necessary to realise digital finance that is fair, efficient, and oriented towards a green future

The Ministry of Education and Culture in 2022 presents challenges in the education sector. The problem was solved by the government by making the Freedom to Learn Program policy. The purpose of this study: to analyze the time allocation and the theme of the choice of implementation of the P5 independent curriculum and to analyze the principles, benefits, design implementation and management strategy of the P5 independent curriculum at SD Marsudirini Gedangan, Semarang. The method is qualitative with a case study approach, research data uses primary data, data collection techniques by observation, observation, recording observations, and structured interviews, data validity techniques by triangulation of data sources. The findings are that the independent learning curriculum is quite fun and does not make it difficult for teachers and students at SD Marsudirini Gedangan. Uncertainty was felt when the teachers did not know the process for implementing the main harvest in December 2022 and there was no BOS allocation fund to support project implementation. The implication of this research is to provide an overview of the implementation of a fun independent learning curriculum, so that in the 2023/2024 academic year schools are increasingly ready to implement the full learning independent curriculum.    

Community-based waste management is a strategic step toward achieving sustainable development in Gresik Regency, Indonesia. This policy aims to reduce waste volume, raise community awareness, and support the vision of a Green Regency. This study evaluates the implementation and effectiveness of community-based waste management policies using a qualitative case study approach. Data were collected through in-depth interviews, participatory observation, and document analysis, then analyzed thematically to identify supporting and hindering factors influencing program success. The findings indicate that while progress has been made, significant challenges remain, including low levels of socialization, limited infrastructure, and weak inter-agency coordination. Community participation depends heavily on local leaders and facilitators, and the sustainability of institutions such as waste banks and management groups has yet to be evenly distributed. Adequate infrastructure, such as integrated waste processing facilities (TPS3R), is crucial and needs enhancement. Barriers like a lack of technical experts, cultural habits of indiscriminate waste disposal, and insufficient funding hinder the achievement of policy objectives. This evaluation underscores the necessity for increased education, institutional strengthening, and improved infrastructure to accelerate behavioral change and boost community participation. The results are expected to inform local government strategies for more effective implementation toward realizing a sustainable and environmentally friendly Gresik. An integrated and holistic approach is essential for optimizing waste management, creating a cleaner, healthier, and sustainable environment.

Corruption is an extraordinary crime with systemic impacts on a nation’s political, economic, and social stability. Various countries adopt different penal approaches to combat corruption, including Indonesia and China. This study aims to analyze and compare the effectiveness of criminal penalties in addressing corruption in both countries. The research uses a normative-juridical and comparative approach by examining legislation, empirical data, and relevant case studies. In Indonesia, the implementation of criminal sanctions tends to be more moderate, with imprisonment and fines being the dominant forms of punishment. However, enforcement faces challenges such as weak institutional independence and political interference. In contrast, China enforces much harsher penalties, including life imprisonment and the death penalty, as part of its "zero tolerance" anti-corruption policy supported by centralized political power. The findings show that although China’s repressive approach appears more stringent, the success in curbing corruption is not solely determined by the severity of the punishment. Instead, it also depends on the consistency, transparency, and integrity of the legal enforcement system. This study recommends that Indonesia reform its criminal policy to be firmer while still upholding principles of human rights and justice.

Late payment of accounts receivable is a serious challenge that can disrupt the stability of the company's cash flow and financial performance. This study aims to evaluate the role of risk management in minimizing late payment of accounts receivable at PT Alam Mulya, a logistics company in Surabaya. The research method used is descriptive qualitative with a case study approach, through direct observation, interviews, and documentation during the five-month internship period. The results showed that the company has implemented risk management principles, such as customer identification, setting credit limits, monitoring maturity, and implementing active collection. However, the implementation has not been thorough and consistent, especially in the aspects of using digital systems, documenting credit policies, and applying sanctions for late payments. It was also found that decision interventions based on personal relationships hindered the effectiveness of risk control. This study recommends the implementation of an integrated digital system, the establishment of a written credit policy, and staff training related to risk management and collection. By strengthening comprehensive risk management, the company is expected to improve the efficiency of receivables management and maintain optimal cash flow sustainability.

The escalation of global terrorism has posed substantial obstacles to the safeguarding of human rights globally. This study analyzes the intricate relationship between counter-terrorism strategies and human rights, highlighting how security policies may curtail individual liberties. This study conducts a comprehensive examination of several case studies to examine the effects of anti-terrorism laws and procedures in different nations. It further examines the intricate equilibrium that governments must sustain between safeguarding national security and preserving human rights norms. The study utilizes qualitative methodologies, encompassing document analysis and expert interviews in the domain. The findings indicate that although counter-terrorism initiatives are essential for public safety, they frequently lead to infringements of civil liberties, especially impacting underprivileged communities. The paper emphasizes the necessity of tackling these difficulties to guarantee that security measures do not excessively violate basic rights.The report concludes by recommending measures for policymakers to enhance human rights protections within counter-terrorism frameworks. Essential recommendations encompass promoting accountability and transparency in security operations while implementing equitable, non-discriminatory rules. Through the implementation of these measures, governments can proficiently counter terrorism while upholding fundamental human rights principles.

Female-headed households (PEKKA) in rural areas represent a vulnerable group that often faces structural barriers in accessing their social and economic rights, particularly in relation to Cash Transfer Assistance (BLT) policies. The urgency of this study stems from the persistent gap between policy implementation and the specific needs of PEKKA. This research aims to examine the forms of legal protection and economic access available to PEKKA in several villages in Central Java through the BLT scheme. Utilizing a qualitative approach, data were collected through in-depth interviews, observation, and document analysis, and analyzed using descriptive qualitative methods. The findings reveal that administrative obstacles, social stigma, and the lack of gender-sensitive approaches are key factors hindering the fulfillment of PEKKA’s rights. Although formal policies exist, their implementation at the local level remains unresponsive and fails to address structural inequalities. This study contributes to the development of socially just and gender-equitable policy frameworks at the village level. It concludes that reformulating inclusive and advocacy-based social policies for PEKKA is essential, alongside further research exploring transformative legal approaches and sustainable economic empowerment.

The determination of compensation in the process of land acquisition for infrastructure development in Indonesia still faces various complex legal problems. Although has been regulated in Law Number 2 Year 2012, its implementation often creates inequality, both in terms of compensation value and procedures for community involvement. The phrase “decent and fair” in the regulation opens wide room for interpretation, so there is often a mismatch between the value set by the government and the expectations of the community. This imbalance is exacerbated by weak public participation, lack of legal literacy, and the dominance of legal-formalistic approaches. Agrarian conflicts, legal uncertainty, and disregard for the social and cultural values of indigenous peoples also exacerbate the situation. Therefore, policy reforms based on a participatory approach, institutional strengthening, and the use of digital technology to realize transparency and accountability are needed. Fair compensation must ensure protection of citizens' human rights and build trust in the legal system in the development process. 

This study aims to analyze the urgency of revising Law Number 6 of 2014 on Villages, which was amended through Law Number 3 of 2024, and its impact on village governance in Indonesia. The research focuses on comparing legal substance before and after the revision, identifying implementation problems, and reinforcing decentralization theory as a foundation for participatory and sustainable village governance. The findings reveal that the Village Law revision is a crucial step in addressing previous weaknesses, particularly in oversight, accountability in the use of village funds, gender inclusion, and the integration of technology in governance. However, several issues remain post-revision, such as limited understanding among village officials, unclear technical regulations, and insufficient community participation. This study recommends the need for extensive training for village officials, comprehensive derivative regulations, and stronger public involvement in oversight. These findings support previous literature that emphasizes the importance of structural readiness and institutional support in decentralization implementation. This research is expected to contribute academically to village policy evaluation and promote public policy reform grounded in local wisdom and participatory principles.  

This study explores the role and relevance of Islamic political economy within the context of Indonesia's economic system, particularly in addressing wealth distribution inequality and the fulfillment of basic societal needs. The study employs a qualitative approach with descriptive-analytical methods to examine the relationship between Islamic economic principles such as justice, balance, and social responsibility and national economic policies. The findings reveal a philosophical alignment between Islamic economic values and Indonesia’s foundational principles, especially Article 33 of the 1945 Constitution. However, the implementation of these principles remains limited, often confined to microeconomic aspects like Islamic financial institutions. Islamic political parties play a significant role in advocating for sharia-compliant economic policies but face challenges in reconciling Islamic values with a pluralistic democratic system. The study highlights the need for broader public education, strong political commitment, and digital innovation to fully realize the potential of Islamic economics in building a just, inclusive, and sustainable national economy.

This study uses a qualitative method with a normative legal approach that aims to analyze legal protection for victims of Information and Electronic Transactions (ITE) crimes, especially in cases of the distribution of digital pornographic content. The rampant distribution of pornographic content through digital platforms is a serious threat to the privacy rights and dignity of victims, especially women and children. In the context of law in Indonesia, protection for victims has been regulated in several laws and regulations such as Law Number 19 of 2016 concerning Amendments to the ITE Law and the Criminal Code (KUHP). However, the implementation of this protection still faces various obstacles, includeing weak law enforcement, limited understanding of victims’ rights, and the suboptimal role of witness and victim protection institutions. Through literature studies and analysis of court decisions, this study found that legal protection is still reactive and has not been optimal in preventing and restoring victims’ losses as a whole. Therefore, a more responsive policy reformulation and strengthening of digital literacy are needed as strategic preventive measures.

Value Added Tax (VAT) is one of the key sources of state revenue within Indonesia’s taxation system. VAT is imposed on the consumption of goods and services domestically and is categorized as an indirect tax, meaning it is ultimately borne by the end consumer but collected and reported by taxable entrepreneurs. This study aims to provide a comprehensive understanding of the VAT mechanism, including its collection, reporting, and the challenges encountered in its implementation in Indonesia. The research method employed is a literature review using a descriptive-qualitative approach that analyzes laws, official documents, and academic literature. The findings indicate that although VAT significantly contributes to the State Budget (APBN), its application still faces several issues such as low taxpayer compliance, administrative complexity, and inequality in tax burden distribution. Therefore, tax policy reform and administrative improvements are needed to enhance the effectiveness and efficiency of VAT collection in Indonesia.

Maritime security in Indonesia faces numerous challenges, including piracy, smuggling, and environmental degradation that threaten the sustainability of the maritime sector. Blockchain technology, known for its transparency, security, and efficiency, presents a potential solution to enhance maritime security systems in Indonesia. This study explores the application of Blockchain technology in improving surveillance, tracking, and data validation in the maritime sector. By analyzing existing literature and case studies, the research identifies how Blockchain can strengthen security systems through smart contracts, real-time supply chain tracking, and increased transparency in maritime transactions. The study also discusses the challenges of implementing Blockchain technology in Indonesia's maritime sector and offers recommendations to accelerate its adoption. The findings aim to provide insights for policymakers and practitioners in developing technology-driven solutions to enhance maritime security in Indonesia.

Digital transformation of government has become a priority agenda in smart city development in Indonesia. This study analyzes the digital transformation strategies implemented by various local governments in adopting smart city technology through a comparative study approach. Using a qualitative methodology with multi-case analysis, this study examines five cities in Indonesia that have implemented smart city initiatives: Jakarta, Surabaya, Bandung, Yogyakarta, and Makassar. Data were collected through in-depth interviews with key stakeholders, field observations, and policy document analysis. The findings show that the success of smart city implementation is influenced by transformational leadership factors, digital infrastructure readiness, multi-stakeholder collaboration, and human resource capacity. Implementation failures are mainly caused by budget constraints, resistance to organizational change, and lack of system integration. This study provides theoretical contributions in the development of a digital transformation framework for government and practical contributions in the preparation of a smart city roadmap in Indonesia.

The policy default case by PT Asuransi Jiwasraya caused widespread unrest among the public and became an important precedent in assessing the effectiveness of legal protection for consumers in the financial services sector, especially life insurance. This research aims to analyze the form of legal protection provided to consumers, identify the regulations governing it, and evaluate the role of the Financial Services Authority (OJK) in supervising and handling the default case. The method used is a normative juridical approach by analyzing laws and regulations, legal doctrines, and court decisions, and supported by literature reviews from various scientific journals. The results show that although the regulatory framework governing consumer protection in the insurance sector is quite complete, such as Law Number 40 of 2014 concerning Insurance and Law Number 8 of 1999 concerning Consumer Protection, its implementation is still weak. OJK's role as a supervisor has proven to be not optimal, both in early detection of Jiwasraya's financial crisis and in taking action against violations of the prudential principle by company management. The conclusion of this study states that legal protection of consumers in the Jiwasraya case has not been functionally effective, and needs to be strengthened through supervisory reform and regulatory improvement. This research is expected to contribute to the formulation of policies and the improvement of the consumer protection system in the future.  

Islamic education aims to shape individuals who are faithful, possess noble character, and can make positive contributions to society. Besides transferring knowledge, Islamic education also instills spiritual, social, and intellectual values, in line with the goals of the SDGs, particularly quality and sustainable education. Its implementation involves synergy among schools, pesantren (Islamic boarding schools), and social-religious institutions. Even though it faces challenges such as resource limitations and the influences of globalization, Islamic education has significant opportunities through digital technology and government policy support. By integrating Islamic values into an adaptive and inclusive education system and strengthening collaboration among institutions, Islamic education can become a key pillar in building a civil society with global competitiveness.

Early marriage is a complex social issue that requires special attention due to its negative impacts on individual development, health, and family stability. In Indonesia, policies related to early marriage are regulated in Law No. 16 of 2019, which sets the minimum age for marriage. The Office of Religious Affairs (KUA) Medan City plays a crucial role in addressing and preventing early marriage through various policies and programs, one of which is youth counseling and the certificate of marriage eligibility program. This study aims to analyze KUA Medan City's policies on handling and preventing early marriage and to assess the effectiveness of these programs. The research was conducted using a qualitative approach through an internship at KUA Medan City, involving observation and interviews with relevant stakeholders. The findings show that KUA Medan City has implemented policies to address early marriage effectively, although there are several challenges in its implementation, such as a lack of public understanding regarding the legal marriage age and low interest in participating in marriage counseling programs. In conclusion, while significant efforts have been made, there is still a need to raise public awareness and expand access to services provided by KUA to reduce the incidence of early marriage in the area.

The Constitutional Court's decision not only affects individuals or certain groups, but also has significant consequences for the public and the country as a whole. The Constitutional Court's decision provides legal certainty for society and the government by determining the implementation or cancellation of a policy that can help create a stable and predictable legal environment. This research is a normative research by studying and basing it on secondary data. Then analyzed using qualitative analysis. The results of this study indicate that the interests recognized by law in Indonesia regarding legal standing still revolve around proving real losses as a form of interest recognized by the Constitution. The principle of erga omnes has an important meaning in the Constitutional Court's decision. An appropriate alternative is needed to ensure that the decision that then has an impact on everyone does not result in new constitutional losses for parties who are not in dispute. the implementation of the Constitutional Court's decision still faces serious challenges, ranging from delays in implementation to ignoring the decision by related institution.

Space debris is increasingly becoming a global problem that has the potential to threaten the sustainability of space exploration and satellite operations. This study aims to evaluate the effectiveness of international policies and regulations that have been implemented in handling space debris, and toidentify gaps and challenges in their implementation. The research method used is a literature study, with an analysis of policy documents from international organizations, academic journals, and reports from related research institutions. Data analysis was carried out using the Miles and Huberman approach, including data reduction, data presentation, and drawing conclusions. The results of the study indicate that although there are a number of international agreements, such as the Outer Space Treaty 1967, the Liability Convention 1972, and the Registration Convention 1975, there is no effective law enforcement mechanism in cleaning up space debris globally. The lack of binding regulations and coordination between countries in mitigating space debris are major challenges that must be overcome. This study recommends the establishment of clearer international standards and an effective implementation system to ensure the sustainability of space exploration.

Advances in information technology have increased the country's vulnerability to cyber threats, including attacks by proxy state actors that are difficult to track and account for. Indonesia as a developing country faces challenges in formulating an effective cyber defense strategy. This study aims to analyze Indonesia's cyber deterrence strategy in dealing with proxy state actor threats, and to compare it with the approaches taken by Singapore and South Korea. The research method used is a qualitative study with a comparative approach, examining policies, institutional capacity, and the effectiveness of strategy implementation in each country. Initial findings indicate that Indonesia is still in the early stages of developing an integrated cyber deterrence strategy, especially in terms of attribution, cyber diplomacy, and strengthening national capacity. Singapore and South Korea have implemented a more systematic approach, including regional cooperation and cross-sector policy integration. The results of this study are expected to contribute to the formulation of national policies in strengthening Indonesia's digital resilience and sovereignty.