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This study describes the role of leadership in improving the quality of education through School Based Management which is applied at S MI Roudlotul Jannah Prambon with the formulation of the research problem: What is the role of leadership in improving the quality of education, What are the supporting and inhibiting factors in improving the quality of education through School Based Management . The method used is a qualitative approach with a case study approach. Data collection techniques are used by observation, interviews and documentation studies. Data analysis techniques are made by data reduction, data display and conclusion (verification) and data validity. The results of this study indicate that school principals have implemented SBM to improve the quality of education with the following activities: First, madrasah heads have planned and evaluated school programs, curriculum management and teaching and learning processes, student services, human resource management, financial management, facility management and Infrastructure and School-Community Relations. Second; the head of the madrasa plays a role as; Supervisors, Managerial and Educators thus the leadership role of the head of the madrasa at MI Roudlotul Jannah in order to improve the quality of education, has been quite well demonstrated by the graduation standards which increase every year. Third; supporting and inhibiting factors include: Supporting: Visionary Leadership, Qualified Teachers, Relevant Curriculum, Parental and Community Participation and Adequate Facilities; Barriers: Technology and Globalization Challenges, Lack of Funding Sources, Inadequate Evaluation and Monitoring, Lack of Access to Technology and Infrastructure.

MSMEs play a vital role in national economic growth through job creation and poverty reduction. This literature study analyzes the contributions and challenges of MSMEs in the digital era. The results show that MSMEs make a significant contribution to GDP and community welfare, but face obstacles such as limited access to financing, low digital literacy, and technological and managerial limitations. Collaboration between the government, the private sector, and the community is needed to strengthen human resources, expand access to funding, and encourage the adoption of digital technology so that MSMEs can compete in the digital economy.

A business incubator is a forum or institution that aims to foster, guide, and accelerate the growth of start-up businesses by providing resource support such as training, funding, network access, and operational facilities. This study aims to determine the Effectiveness of Technology-Based Business Incubation Programs in Increasing Startup Growth. The method used in this study is a qualitative descriptive approach with literature studies as the main data collection technique. The results of the study indicate that business incubators play an important role in reducing the failure rate of digital startups, increasing competitiveness, and accelerating the commercialization process of digital products and services. An effective incubator is characterized by the ability to provide relevant mentoring programs, mentoring from industry practitioners, and access to funding sources. The conclusion of this study states that the existence of business incubators significantly supports the growth and sustainability of digital startups, but their success still depends heavily on the quality of incubation services and the internal readiness of startups to receive coaching.

Microfinance institutions can enhance the standard of living in villages through principles of justice, partnership, and mutual assistance. Data were collected through in-depth interviews with Islamic microfinance institution managers and beneficiaries in several rural areas. The findings indicate that Islamic microfinance has a positive impact on the economic well-being of rural communities, particularly by providing access to interest-free (riba-free) funding for small businesses, increasing household income, and strengthening the local economy. Furthermore, the presence of Islamic microfinance promotes more responsible economic behavior aligned with Islamic values. Financial education initiatives provided by the institutions also contribute to improving the financial literacy of villagers. In conclusion, Islamic microfinance serves as a vital tool in empowering rural communities through sustainable, fair, and Sharia-compliant economic development.

This study provides a comprehensive synthesis of ten SINTA-accredited journal articles (levels 1–3) published from 2019 to 2024, examining how a low-interest-rate policy environment affects corporate capital structure in Indonesia. We focus on internal determinants (profitability, firm size, asset composition) versus external factors (market interest rates) in shaping firms’ debt ratios. The meta-analysis results indicate that although low interest rates statistically encourage higher leverage (average coefficient +0.28), internal firm characteristics remain the dominant drivers of capital structure decisions. Approximately 80% of studies report that more profitable firms tend to reduce debt ratios, consistent with the pecking order theory. In the post-pandemic context, low rates initially facilitated cheap borrowing, but heightened economic uncertainty underscores the need for managers to align funding strategy with each firm’s risk profile. The study draws practical implications: financial managers should calibrate capital structure in line with profitability and market volatility, while regulators should monitor corporate debt growth to safeguard financial stability. The findings also suggest directions for future research on how evolving macroeconomic conditions influence corporate finance in Indonesia.

In this study, a women's empowerment program for fisherwomen in Domas Village, Serang Regency, was used to investigate the impact of village fund management on improving the welfare of coastal communities. This research stems from an awareness of the importance of villages in realizing sustainable development that relies on local potential, especially in vulnerable and marginalized coastal areas. To improve community welfare, including that of women who have been less involved in village development processes, effective, efficient, transparent, and accountable management of village funds is crucial. The research method employed was qualitative, with data collected through in-depth interviews, field observations, and documentary studies. The research results show that the management of village funds in Domas Village has brought many benefits, such as the establishment of BUMDes shrimp farms and catering services, which can create jobs and increase local revenue. However, women's participation in village programs is still limited to certain industries such as beauty services and seafood processing. To achieve optimal women's empowerment, key barriers include limited human resources, limited access to capital, and the lack of integration of women's SMEs into the village funding structure. The results indicate that an inclusive and locally-driven approach to village fund management can enhance community well-being more equitably and drive sustainable socio-economic transformation.

Entrepreneurship plays a crucial role in driving economic growth, with individual entrepreneurial intentions serving as a key supporting factor. Despite this, student involvement in entrepreneurial endeavors remains relatively low. This research seeks to examine how emotional intelligence and self-leadership influence entrepreneurial intentions among students at the University of Lampung. Employing a quantitative method with a causal approach, the study gathered primary data through questionnaires distributed to 183 sixth-semester students across various faculties. The research instruments underwent validity, reliability, and normality testing, and the data were analyzed using multiple linear regression. The findings confirmed the proposed hypotheses. Based on these results, the study recommends that higher education institutions, particularly the University of Lampung, implement character development initiatives and foster a positive student mindset. It also suggests creating more opportunities for reflection and open dialogue, incorporating problem-based learning models, and providing training in persuasive communication and soft skills. Furthermore, it emphasizes the importance of enhancing entrepreneurship curricula with practical experiences such as business incubators and simulations, while also improving student access to entrepreneurial support systems, including funding, mentoring, and market networks. These measures aim to boost student confidence in launching businesses and to strengthen the campus entrepreneurial ecosystem.

This study explores the dual impact of artisanal gold mining on economic livelihood and environmental sustainability in Tedeboe Village, Rampi District, North Luwu Regency. Employing a qualitative case study design, data were gathered through in-depth interviews with four key informants—including the village head and three local miners—and through direct field observation. Data were analyzed using Creswell’s qualitative analysis framework, encompassing coding and thematic development to capture nuanced insights. The findings indicate that artisanal gold mining has significantly improved household income, especially in meeting basic needs and funding education. However, the sector’s informal nature and high dependency expose the community to economic volatility. Moreover, despite limited use of chemicals, awareness of mercury’s environmental and health risks is rising among miners. Environmental degradation, particularly soil and water pollution, alongside potential respiratory hazards, emerges as a critical concern. The study underscores the urgent need for sustainable mining practices, stronger local regulation, and capacity-building through education and economic diversification. These findings advocate for a balanced approach to rural development—one that harmonizes economic benefits with ecological resilience and community well-being.

To achieve optimal funding, an effective marketing strategy is needed for the success of the company. The Boston Consulting Group (BCG) Matrix functions as an analytical tool designed to improve performance through mapping between units based on growth rates and relative market share. This research is a field study with a qualitative descriptive approach. The focus of this study is the daily products of KSP Gunung Slamet Ajibarang Branch. The data collection methods applied by the researcher consist of observation, structured interviews, and documentation. The findings of this study describe the product position and strategies that can be implemented by considering market growth and existing market share. Daily products are in the cash cow category with market growth of 6.66% and a relative market share of around 1.10. Strategies that can be implemented include increasing productivity and quality to ensure competitiveness and provide value to consumers.

Human resource development (HRD) is a fundamental pillar in the management of Islamic education, especially in the era of globalization and the industrial revolution 4.0. Islamic educational institutions are required to produce graduates who are not only religious but also competent, ethical, and adaptive. This study aims to identify effective HRD strategies to improve the quality of Islamic educational institutions. The research employs a qualitative approach with data collected through interviews, observations, and documentation in several Islamic educational institutions. The findings reveal that strategies such as training, internships, scholarships, mentorship, collaboration, performance evaluation, spiritual development, technology implementation, and innovation play vital roles. The integration of Islamic values in recruitment, training, and career development is also crucial. However, challenges such as limited funding, lack of competent human resources, and insufficient leadership attention remain obstacles. This study emphasizes the need for innovation in HRD to overcome these barriers. It is expected that the findings provide practical solutions for Islamic educational institutions to achieve educational goals, produce quality graduates, enhance competitiveness, and contribute positively to society.

Limited access to formal financing remains a persistent challenge for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, despite their vital contribution to economic development. Among the key barriers are poor-quality financial reporting and the lack of digital accounting adoption, which hinder financial transparency and lender trust. This study aims to analyze the influence of financial reporting quality and the use of digital accounting technology on MSMEs’ access to financing from formal financial institutions. A quantitative explanatory research design was employed, involving 120 MSMEs in Banyumas Regency, Indonesia. Primary data were collected through structured questionnaires and analyzed using multiple linear regression after satisfying classical assumption tests. The results indicate that both financial reporting quality and digital accounting technology have significant positive effects on access to financing. Financial reporting quality exhibited a slightly stronger influence, confirming its role in reducing information asymmetry and signaling creditworthiness. The adoption of digital accounting tools, such as BukuKas and Accurate, improved financial documentation, auditability, and lender confidence. These findings underscore that internal financial practices are critical enablers of financial inclusion, especially in semi-urban contexts.The study concludes that enhancing the quality of financial reports and promoting digital accounting adoption are essential strategies for improving MSMEs’ access to external funding. The findings offer practical implications for policymakers and financial institutions while also contributing to the theoretical understanding of MSME financial behavior in the digital era.

To determine the effect of financial inclusion based on the number of savings accounts, the number of ATM machines, and the number of deposit accounts on bank stability in banking sector companies listed on the Indonesia Stock Exchange The data used is secondary data, with data collection techniques using the documentation method. The sample in this study used the purposive sampling method, namely 19 banking sector companies listed on the IDX in 2019-2023. The quantitative analysis technique uses a multiple linear regression model using SPSS Version26.The results of this study indicate that 1) There is a significant influence of financial inclusion simultaneously on bank stability 2) There is an influence of financial inclusion based on savings accounts partially on bank stability 3) There is an influence of financial inclusion based on the number of ATM machines partially on bank stability 4) There is an influence of financial inclusion based on the number of deposit accounts partially on bank stability in banking sector companies listed on the Indonesia Stock Exchange in 2019-2023. The limitations of this study are only banking sector companies listed on the IDX in 2019-2023. This study only covers 19 companies from the banking sector listed on the Indonesia Stock Exchange. This sample only represents 40.4% of the population of companies in the banking sector. Several companies do not meet the criteria because they do not consistently publish and present complete financial reports, so the number of samples used in this study is limited. This research can be used as a consideration for the Company in formulating the Company's strategy to be taken. To improve access to financial services for people in the lower classes through the resilience of the banking funding base. This research update introduces a new method in data analysis using SPSS version 26 and banking data for 2019-2023.

Education plays a crucial role in developing quality human resources, with one of the key aspects being the enhancement of students' interest in reading and literacy skills. However, fostering a reading culture among elementary school students remains a significant challenge, particularly at SDN Cilangkara 02, and which lacks a proper library. In response, the 2025 Cilangkara Village Community Service Program (KKN) students implemented the "Literacy Corner" initiative, which aimed to provide a simple, comfortable, and accessible reading space. This program adopted a participatory and educational implementative approach, involving teachers, students, the literacy community, and university students. Activities included conducting a needs assessment, collecting book donations, constructing and decorating the literacy corner, organizing the reading space, and holding an inauguration event. The results of the program showed a notable increase in students' interest in reading, as well as the development of a habit of interacting with books. Moreover, it helped cultivate a literacy culture within the school environment. Despite facing challenges such as limited books, inadequate funding, and students' distraction by gadgets, the program succeeded in achieving a positive impact. It not only contributed to improving literacy and character building but also fostered a sustainable reading culture at SDN Cilangkara 02

The alignment of budget planning with funding sources is a crucial aspect of financial management in Islamic educational organizations to ensure operational sustainability and improve the quality of educational services. This study aims to analyze strategies that can be implemented in drafting and adjusting budget plans with various funding sources, such as government funds, zakat, infaq, waqf, community donations, and student contributions. This research employs the library research method, which involves collecting and analyzing various literature related to Islamic educational financial management. The results indicate that the principles of efficiency, effectiveness, transparency, and accountability must be applied in managing educational funds to ensure optimal budget utilization. One of the key indicators for maintaining financial balance is the budget balance ratio, which measures the extent to which an organization’s revenue can cover its expenditures. If the ratio reaches or exceeds 100%, it indicates a surplus that can be allocated for institutional development. However, if the ratio is below 100%, a deficit occurs that must be addressed immediately through cost efficiency strategies, diversification of funding sources, and optimization of productive waqf assets. This study emphasizes that a systematic and sustainable financial strategy is essential for maintaining the financial stability of Islamic educational organizations. By implementing well-structured budget planning, strict supervision, and diversified funding sources, organizations can ensure financial sustainability and enhance the overall quality of Islamic education. 

The rapid growth of financial technology (fintech) has significantly transformed the funding landscape for Small and Medium Enterprises (SMEs), offering innovative financial solutions beyond traditional banking institutions. This study presents a bibliometric analysis of fintech’s role in SME financing, identifying emerging trends and research gaps. Utilizing bibliographic coupling and co-occurrence network analysis, data from Scopus were analyzed to uncover the intellectual structure and evolution of research in this field. The results highlight key themes, including the integration of blockchain, peer-to-peer lending, financial inclusion, and crowdfunding in SME financing. A particular focus on Islamic finance and Islamic crowdfunding indicates a growing interest in alternative financing mechanisms that align with Sharia principles. Additionally, the study reveals an increasing academic focus on fintech adoption in developing economies, particularly in Indonesia and Nigeria, where access to capital remains a critical challenge. The findings underscore fintech’s role in democratizing financial access for SMEs, bridging funding gaps, and fostering economic growth. Future research should investigate regulatory frameworks, risk management strategies, and technological adoption models to optimize the impact of fintech on sustainability in SME financing.

Good financial planning can create operational effectiveness in educational institutions. This article analyzes the importance of financial planning in school management, covering aspects such as the development of facilities and infrastructure, the improvement of student learning quality, and teacher welfare. The research method used is quantitative with a library research approach, where data is obtained from various scholarly articles and relevant books sourced from Google Scholar. The findings indicate that schools effectively apply for funding and evaluate fund utilization annually. Poor financial planning can disrupt school operations, leading to issues such as delayed teacher salaries, insufficient learning facilities, and other challenges. To achieve effective financial management, technological mastery is essential to ensure operations that are effective, efficient, and accountable.

Micro, Small and Medium Enterprises (MSMEs) play an important role in economic growth, but often face obstacles in good financial recording and reporting. Many micro-entrepreneurs in Brangjan Village, West Ungaran, Semarang, do not yet have an adequate understanding of the preparation of systematic financial reports, making it difficult to manage finances and access funding from financial institutions. This community service activity aims to improve the understanding and skills of micro-entrepreneurs in preparing simple financial reports based on easy-to-apply accounting principles. The methods used in this training include counseling, direct practice, and assistance in recording financial transactions, profit and loss reports, and simple balance sheets. Participants are also introduced to the use of technology or digital financial recording applications that can assist in managing their businesses. The results of this training show that most participants experienced an increase in understanding in financial recording, and were able to prepare simple financial reports independently. This training is expected to provide long-term benefits for micro-entrepreneurs in developing their businesses more professionally and sustainably.

The capital market plays a strategic role in the economy as a means for companies to obtain long-term funding. Profitability, leverage, and firm size are fundamental factors that can influence market reaction. This study aims to analyze the effect of profitability and leverage on market reaction and examine the moderating role of stock performance. The data used is secondary data obtained from the annual financial reports of companies listed on the Indonesia Stock Exchange (IDX) for the period of 2022 to 2024. The results show that profitability have a positive and significant effect on market reaction, while leverage has a negative and significant effect on market reaction. However, stock performance failed to moderate the effect of profitability and leverage on market reaction. These findings support the Signaling Theory and Trade-Off Theory in the context of the Indonesian capital market. The implication of this research is that companies need to improve profitability and strengthen their financial structure to enhance investor confidence and improve market positioning.

This study aims to analyze the capabilities of the head of the madrasah in developing the quality of education at Diniyah Takmiliyah Awaliyah (DTA) Nurul Huda, Napal Sisik Village. The head of the madrasah plays a strategic role in enhancing educational quality through effective management, motivating teachers, and fostering creativity in the learning process. However, this study also identifies various challenges faced, such as a lack of qualified human resources, limited funding, and insufficient community support. By employing a qualitative approach, this research is expected to provide constructive recommendations for the improvement and development of the educational system at DTA, thereby creating a generation that is both intelligent and has strong character.

Sido Muncul Tbk is one of the largest and most modern herbal medicine producers in Indonesia. In conducting its business activities, PT Sido Muncul Tbk certainly requires investors and creditors as sources of funding. For that reason, financial statement analysis is needed as a source of information about the company's financial condition. Based on the financial reports of PT Sido Muncul Tbk for the period from 2019 to 2023, there has been a fluctuating increase, even though Indonesia was hit by the COVID-19 pandemic in 2020 to 2021. The type of research is descriptive quantitative research with data sourced from the financial reports of PT Sido Muncul Tbk as of December 31 from 2019 to 2023. The first result, the assessment of the financial performance of PT Sido Muncul Tbk based on liquidity ratio analysis using the current ratio, shows that the current ratio values from 2019 to 2023 have experienced fluctuating conditions but remain in the very good category, above the industry's minimum standard of 200%. Second, the results of the solvency ratio analysis using the Debt to Asset ratio (DAR) indicate that the DAR values from 2019 to 2023 are in the very good category, as they are below the industry's maximum standard of 35%. Third, the analysis of profitability ratios using the Return on Equity (ROE) shows that the ROE values from 2019 to 2023 have experienced fluctuating conditions but remain below the industry standard of 40%.