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This research aims to describe the development of small business networks as an effort to create jobs for the younger generation and low-skilled communities. Referring to the teachings of Pacem in Terris which emphasize social justice, human rights and economic prosperity, small businesses are seen as an effective solution in facing the challenge of unemployment, especially among these vulnerable groups. SME networks have the potential to provide training, employment opportunities and skills development that can increase individual competitiveness in the labor market. This article also explores the application of Pacem in Terris principles, particularly solidarity and cooperation between individuals and groups, in small and medium enterprise development policies and programs to create inclusive and sustainable employment opportunities. It is hoped that this research will provide insight for policy makers and practitioners in formulating more effective strategies to support economic empowerment and poverty alleviation through strengthening the SME sector.

The principle of profit sharing based on the concept of risk-sharing offers an alternative approach that is in line with sharia values, in contrast to the conventional interest system. This mechanism is implemented through instruments such as mudharabah and musharakah that support the financing of productive projects. However, its implementation faces challenges related to income fluctuations that can affect the stability of Islamic financial institutions. This research highlights the importance of innovation to increase the effectiveness of sharia monetary policy for inclusive and sustainable economic growth.

This study examines the phenomenon of Central Bank Digital Currency (CBDC) as a technological innovation that changes the landscape of the global monetary system. In the midst of the rapid development of digital technology and cryptocurrencies, central banks in various countries are starting to consider and develop their own digital currencies. This study aims to comprehensively analyze the aspects of CBDC implementation, including its potential benefits, challenges, and impact on financial system stability and monetary policy. Through a descriptive qualitative approach with a literature study method, this study explores various dimensions of CBDC, including technological architecture, implementation models, and its socio-economic implications. The results of the study show that CBDCs have significant potential in improving the efficiency of the payment system, encouraging financial inclusion, and strengthening the transmission of monetary policy. However, its implementation also presents serious challenges related to data privacy, cybersecurity, and the stability of the banking system. This study makes an important contribution to a comprehensive understanding of CBDCs and their implications for the future of the global financial system.

This study has 2 (two) objectives. The first study aims to find out the history of the arrival of the British to Australia. The second study aims to find out the influence of British colonization on the Indigenous tribe. This will reveal what kind of colonization was carried out by the British so that the Indigenous tribe was marginalized from its original area of ​​population, even its existence was almost extinct. Since the arrival of Arthur Philip in the late 18th century was the beginning of British colonization in Australia. Where at that time the Australian region was only a wilderness that the British considered the right area to be used as a shelter for British defenders. Sending settlements and civil servants to Australia. Finally, a population area was formed like a structured country that can be seen from several policies implemented by the British at that time. However, long before the arrival of the British to the Australian region, Australia had formed an indigenous Australian tribe. The method used by the researcher is historical research which has four stages: heuristic, critical, interpretation and historiography. The author utilizes library sources by searching for journals, books and others for reference.

This research analyzes the administrative sanctions given by the Financial Services Authority (OJK) to PT Maseri Aset Manajemen for governance violations, such as the absence of a physical office, business inactivity, not having professional employees, and not complying with OJK regulations. This research uses normative legal methods and a descriptive approach. The findings in this study show the importance of implementing Good Corporate Governance (GCG) and compliance with regulations. The research recommends increased stringent regulations and increased company compliance with OJK regulations

The case of alleged violation of company secrets of PT Chiyoda Kogyo Indonesia, involving PT Maruka Indonesia, Hiroo Yoshida, and PT Unique Solutions Indonesia, who allegedly conspired to obtain confidential information in accordance with Article 23 of Law No. 5 Year 1999. This alleged violation caused potential financial losses of up to Rp 63 billion for PT Chiyoda Kogyo Indonesia and threatened its reputation. The protection of company secrets is crucial in maintaining a competitive advantage in an innovation-laden industry. This research explores the legal aspects and business impact of leaking sensitive information, focusing on the Trade Secrets Act (UURD) and the Antimonopoly Act, and its implications for fair business competition. The analysis is conducted through a normative legal approach, assessing the relevance of contract and property rights theories in the context of trade secret protection. In addition, it is recommended that companies implement stricter information security strategies, such as Non-Disclosure Agreement (NDA) contracts and confidentiality agreement renewals, to prevent future leaks.

Education plays an important role in shaping a child's character and personality. Schools as formal educational institutions are not only tasked with imparting knowledge, but are also a place for the formation of social values, morals and behavior. (Cahyani et al., 2021) However, the reality shows that schools are often places where negative behavior emerges, one of which is bullying. The method used in this community service activity uses a participatory method by involving the school in the continuity of socialization activities. The approach taken is to direct and explain efforts to deal with the implications of bullying through the elementary school environment. The place of service was carried out at SDN Penikenek, Nagawutung District, Lembata Regency involving research subjects consisting of the Principal, teachers, students, grades 1-6. Community service activities with the title "educational services in overcoming the implications of bullying at SDN Penikenek in Penikenek Village, Nagawutung District, Lembata Regency". Penikenek Elementary School is an elementary school with 39 students and 11 teachers. This service activity takes place by providing material through outreach and donating wall magazines in the form of magazines related to bullying prevention. Implementation of the outreach program at SDN Penikenek is a strategic step designed to increase students' awareness and understanding regarding the dangers of bullying. In this activity, material about the definition, impact and ways to prevent bullying is delivered using a participatory method involving all elements of the school. This method has proven effective in creating open dialogue, building empathy, and increasing collective commitment to overcoming bullying.

Penelitian ini mengeksplorasi analisis filosofis dan praktis dari pemikiran Al Farabi dalam pendidikan.Al Farabi, seorang filsuf Islam terkemuka, menekankan pentingnya mengintegrasikan filsafat dan praktik dalam pendidikan untuk mengembangkan individu yang seimbang. Dengan meneliti ide-idenya, penelitian ini bertujuan untuk memberikan wawasan tentang bagaimana ajarannya dapat diterapkan dalam praktik pendidikan modern.Melalui kombinasi analisis teoritis dan contoh praktis, temuan penelitian ini menunjukkan bahwa penggabungan filosofi Al Farabi dapat meningkatkan kualitas pendidikan secara keseluruhan dan berkontribusi pada perkembangan holistik siswa.Implikasi dari penelitian ini menyoroti relevansi mengintegrasikan prinsip-prinsip filosofis ke dalam kerangka pendidikan untuk menumbuhkan pemikiran kritis, nilai-nilai moral, dan kesadaran sosial di kalangan pelajar.

In the background of this research problem, namely, operating costs have increased and working capital has decreased while net profit has increased, which should make high operating costs lower profits and lower working capital lower net profit. The occurrence of this phenomenon so researchers raised this issue.This study uses quantitative research methods and sampling using purposive sampling techniques with homogeneous sampling category criteria. The results of the research found from the three variables used that have an influence, namely operating profit has a significant effect on net profit with a value of 0.0000 and after being tested simultaneously operating profit also has a significant effect on net profit with a value of 0.0000 while working capital has no effect on net profit with a value of 0.1483. From the results of the study, the authors draw a conclusion that working capital does not always decrease will make net profit decrease. excess income is based on low operating profit and high working capital.

This literature review explores the physical fitness implications of the Fajr prayer, analyzing the latest studies from 2020 to 2024. By examining the features of the Fajr prayer from an Islamic perspective, its benefits for physical and mental health, as well as related hadith, this study aims to provide a comprehensive understanding of its overall impact. holistic. Findings show that regular morning prayers contribute positively to overall well-being, supporting the integration of spiritual practices into daily fitness routines.

Penelitian ini bertujuan untuk mengekplorasi hubungan antara penerapan green accounting, kinerja lingkungan, kinerja keuangan, profitabilitas dengan mempertimbangkan peran tata kelola Perusahaan sebagai variable moderasi. Populasi penelitian terdiri dari Perusahaan sektor consumer non-cyclicals yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2021-2022. Metode purposive sampling digunakan untuk memilih 32 perusahaan yang di anggap representative dari populasi, dan analisis berganda dilakukan menggunakan perangkat lunak SPSS 25 untuk menghasilkan data. Hasil penelitian menunjukan bahwa penerapan green accounting,kinerja lingkungan, dan profitabilitas secara positif dapat mempengaruhi kinerja keuangan Perusahaan. Implikasi dari penelitian ini adalah untuk memberi wawasan lebih kepada para pemangku kepentingan, serta memberikan panduan kepada Perusahaan dan investor tentang manfaat penerpan green accounting dan memperbaiki kinerja lingkuangan dengan memperhatikan tata Kelola Perusahaan.

This study analyzes the characteristics, risk, and return of stocks and bonds in Indonesia. The data used is historical data on stock and bond prices traded on the IDX during a 10-year period, from 2014 to 2024. The analysis methods used are descriptive analysis, t-test, ANOVA, and multiple linear regression. The results of the study show that stocks offer the potential for higher returns than bonds, but also with higher risk. Bonds offer better income stability and lower risk than stocks. The investment decision between stocks and bonds depends on the individual's risk profile and investment goals. Diversification remains an important investment strategy, regardless of risk profile.

Digital transformation in education has become a significant phenomenon in the era of disruption. This research discusses the challenges and opportunities that digital transformation in the disruption era provides for education. The results show that digital transformation can help improve the quality of education by utilizing digital technology in the learning process. In addition, digital transformation also helps improve the accessibility of education, facilitate the teaching and learning process, and improve the overall quality of education. In the future, digital transformation is expected to continue to increase the role of technology in education. Teachers and students must continue to adapt to technological developments and utilize technology to improve the quality of education. In synthesis, digital transformation in education has great potential in improving the quality of education and preparing students for a better future.  

  Abstract. Research shows that leadership plays an important role in improving and reforming schools and education systems in the era of the Fourth Industrial Revolution (Mustiningsih, Maisyaroh, and Ulfatin 2019). In the context of the digital industrial revolution, leaders are not only responsible for academic performance and the proper functioning of schools but are also responsible for all activities carried out by schools (Kurniawan et al. 2023). This revolution includes automation and digitalization of all aspects of the industry to create products that meet consumer needs (Lanang Putra et al. 2021). This revolution also presents challenges for tax reform, including integrating various changes caused by digitalization and the Fourth Industrial Revolution (Mayasari and Narsa 2020). In the field of education, leadership abilities in understanding and using digital knowledge are very important to support learning activities in the era of the Fourth Industrial Revolution (Sugiarto and Dewantara 2021). The leadership qualities demonstrated by Christ are very important for pastors in the era of the Fourth Industrial Revolution to be able to lead effectively and overcome challenges (Eppang 2022). The fourth industrial revolution offers opportunities to increase savings and reduce consumption through the development of e-commerce and the digital economy (Suwardana 2018). In addition, this Revolution has also changed job design, job structure, and required skills, thereby increasing the demand for people with different skills (David 2021). Finally, business orientation, digital capabilities, leadership skills, and the environment influence business decisions (Justin and Handoyo 2023).

Usaha Mikro, Kecil, dan Menengah (UMKM) selalu menarik untuk dikaji, bukan hanya dari aspek ketahanan, aspek pembiayaan, perolehan pinjaman atau dari aspek manejerial usaha. Pengembangan secara internal yang dari UMKM “Radjanya Pisang” ini berasal dari tabungan pribadi yang dikelolah semaksimal mungkin dengan modal yang cukup kecil. UMKM Radjanya Pisang ini memanfaatkan buah pisang sebagai bahan baku yang paling dasar dalam penjualannya. Alasan dari UMKM Radjanya Pisang memilih pisang ialah karena pisang memiliki daya tarik yang luas di berbagai kalangan usia. Oleh karena itu, akhirnya pemilik usaha, Bayu Surya Ramadhan, memutuskan untuk mengembangkan berbagai olahan jajanan berbasis pisang, seperti pisang keju, pisang roll, piscok, dan sebagainya. Dengan memanfaatkan teknlogi yang semakin berkembang selain menerima pesanan secara offline UMKM “Radjanya Pisang” juga menerima pesanan secara online di platfrom seperti GrabFood. Di sini kami menggunakan metode penelitian kualitatif yang mana kami melakukan wawancara secara langsung bersama owner UMKM "Radjanya Pisang". Kami berharap melalui konsultasi dan jurnal laporan yang kami buat ini, dapat memberikan implikasi positif baik bagi kami sebagai tim penyusun maupun para pembaca yang membacanya.

Identifying the influence of work life balance and burnout on employee job satisfaction at You n Me Store in Cirebon City. The purpose of this study is to determine whether there is a relationship between work life balance, burnout, and employee job satisfaction at the store. Thus, this study aims to provide a better understanding of the factors that affect employee job satisfaction and how management can improve better working conditions for their employees. The type of research used in this study is an association study. Population and Sample. Data Collection Techniques, Literature review Work life balance and burnout have a significant positive influence on employee job satisfaction at You n Me Store Cirebon City. Work life balance partially has a positive and significant influence of 53.6% on employee job satisfaction. Burnout partially has a positive and significant influence of 39% on employee job satisfaction. The results of hypothesis testing show that the burnout variable partially has a significant effect on employee job satisfaction Work life balance and burnout have a positive and significant effect on employee job satisfaction at You n Me Store Cirebon City. Work life balance partially has a positive and significant effect of 53.6% on employee job satisfaction. Burnout partially has a positive and significant effect of 39% on employee job satisfaction.      

Sexual violence is a serious problem that needs to be addressed in Indonesia, including within school environments, characterized by an increase in the number of sexual violence incidents and the prevalence of cases being uncovered. This phenomenon is highly concerning among students, as evidenced by several data points indicating a significant occurrence of sexual violence among students. The aim of this study is to describe students' perceptions of sexual violence, examined through the cognitive, affective, and conative aspects. The study population consists of 7th and 8th grade students of SMPN 41 Padang for the academic year 2023/2024, totaling 313 students. The sampling technique used is stratified random sampling with a sample size of 175 students. The instrument utilized in this study is a questionnaire. Data obtained were analyzed using percentages. The results of this research indicate that: (1) students' perception of sexual violence behavior in terms of cognitive aspects falls into the positive category, meaning that students have a good understanding of behaviors that constitute sexual violence, (2) students' perception of sexual violence behavior in terms of affective aspects falls into the positive category, meaning that students can feel behaviors that are considered sexual violence and are aware that such behaviors should be avoided, (3) students' perception of sexual violence behavior in terms of conative aspects falls into the positive category, indicating that students are capable of taking positive actions to avoid or prevent sexual violence behavior from occurring. Overall, students have a positive perception of sexual violence, showing a good understanding of sexual violence behavior and the ability to interpret it well, thereby avoiding behaviors associated with sexual violence, which will contribute to a more effective learning process for students in school.

Export activities in the long term can provide foreign exchange income for the country concerned, which will later be used to increase the growth of the country's economy, finance import needs and domestic development. A study by Kusuma and Twin (2012) concluded that exports had a positive and significant effect on national foreign exchange reserves. Exports are therefore one of the important benchmarks to know how much economic growth is in a country. The fluctuating state of exports in Indonesia is a very important thing to pay attention to. Especially in the face of the era of free trade in the Southeast Asia region or the ASEAN Economic Community (AEC), Indonesia is expected to improve its export performance, so that it can compete with other countries. Then it is necessary to know what factors affect the increase and decrease in the value of Indonesia's exports. From the data processing it is known that interest rates and exchange rates together have a significant effect on total exports with α = 0.00390 < from α = 0.05. Parasially, the Bungan tribe had a negative and significant effect on total exports with a significance value of α = 0.0003 < of α = 0.05, and the exchange rate against the US dollar had a positive and significant effect on total exports with a significance value α = 0.0130 < of α = 0.05.

Conceptual understanding of riba and its influence in Islamic economics is an important subject in the context of Islamic finance. This research highlights the conceptual understanding of riba and its implications from the perspective of Islamic economics. Through a literature review approach, this article explores various views and arguments related to riba in Islam and Islamic economics. The analysis in this article underscores the need for a deep understanding of riba in the context of Islamic economics. Through this approach, policies can be formulated to promote principles of justice, equality, and sustainability in the Islamic financial system. Practical implications include profit-sharing systems such as mudharabah and musyarakah being used to replace riba practices, ensuring fairness and equality among parties involved in transactions. Additionally, a deeper understanding of Sharia economics and strict supervision of riba practices in the financial sector are crucial to assist individuals and institutions in managing finances in accordance with Islamic law. In conclusion, the conceptual understanding of riba and its influence from the perspective of Islamic economics is an important aspect in building a financial system that aligns with Islamic principles. By understanding the implications of riba, society can take more sustainable and equitable steps in developing Sharia-based economies.

Penelitian ini bertujuan untuk mengeksplorasi bagaimana teknologi blockchain dapat meningkatkan transparansi dan akuntabilitas dalam keuangan Islam. Metode penelitian dengan melakukan tinjauan sistematis terhadap literatur yang ada, penelitian ini mengumpulkan data dari berbagai sumber termasuk artikel jurnal, internet, dan buku, menggunakan pendekatan deskriptif kualitatif. Hasil penelitian menunjukkan bahwa blockchain meningkatkan keamanan data, transparansi transaksi, dan memiliki sistem yang bersifat desentralisasi. Ini relevan dengan kebutuhan transparansi dan akuntabilitas dalam keuangan Islam, seperti dalam praktik zakat dan wakaf. Penelitian ini menemukan bahwa penerapan blockchain dapat memberikan perbaikan signifikan dalam transparansi dan akuntabilitas di sektor keuangan Islam. Implikasinya meliputi potensi untuk memperkuat kepercayaan publik dan efisiensi dalam pengelolaan keuangan Islam, sekaligus menghadapi tantangan dalam kepatuhan syariah dan adaptasi teknologi.