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As an archipelagic nation with the fourth largest population in the world, Indonesia faces challenges in employment opportunities due to the imbalance between population growth and job availability. Consequently, both central and regional governments are now focusing on the development of the informal sector, which contributes significantly to the economy and employment creation. In the era of the digital economy, this sector benefits from technological advancements. However, informal entrepreneurs continue to face obstacles such as limited access to technology, human resources, and capital. This study aims to examine the influence of education, capital, and information technology on the income of informal sector actors who utilize e-commerce in Denpasar City, both simultaneously and partially. The data used in this study consists of both primary and secondary sources, collected through interviews with 100 respondents selected using purposive sampling. The analytical methods employed include descriptive analysis and multiple linear regression analysis. The results show that the variables of education, capital, and information technology simultaneously have a significant influence on the income of the informal sector. Partially, each of these variables also exerts a positive and significant influence on income. Based on these findings, it is recommended to increase attention to education and training in digital technology utilization, as well as improve access to capital for informal entrepreneurs. These efforts can enhance sales performance, expand market reach, and consequently increase income.

Work loyalty is a fundamental pillar in human resource management that plays a critical role in sustaining organizational development and enhancing employee productivity. This study aims to explore and analyze the strategies implemented by PT. Bank BTPN Syariah MMS Rantau Rasau in maintaining employee loyalty, particularly among Community Officers who serve as the frontline representatives of the bank in delivering services directly to local communities. The research adopts a descriptive qualitative approach using in-depth interviews and documentation as data collection techniques. The findings reveal that work loyalty can be fostered through several strategies, including equitable and measurable reward systems, regular and relevant training, structured career development, and appropriate compensation and performance-based incentives. Additionally, leadership support and effective two way communication between management and employees play a crucial role in cultivating a sense of ownership and emotional attachment to the organization. These strategies significantly contribute to strengthening employee commitment, dedication, and the willingness to stay and grow with the company, ultimately leading to increased productivity in both quantitative target achievement and qualitative service delivery. This study offers practical implications for the development of human resource management policies in the Islamic banking sector and serves as a reference for other organizations facing similar challenges in maintaining employee loyalty and improving productivity. A comprehensive understanding of loyalty strategies enables organizations to build a sustainable and productive work environment.

This study aims to analyze the product diversification strategy implemented by Pegadaian Purwokerto Branch and its impact on the company's financial stability. A qualitative descriptive approach was applied using a case study method through structured interviews, direct observations, and internal document analysis. The research also integrates the General Electric (GE) Matrix to map the business strength and market attractiveness of each diversified product. The findings reveal that Pegadaian’s diversified products—such as gold savings, vehicle financing, and Hajj/Umrah financing—have significantly contributed to expanding market reach and increasing revenue. This success is supported by comprehensive feasibility studies, structured risk management systems, and the operational role of branch-level human resources. Nevertheless, challenges remain, particularly in service digitalization and HR readiness. This research contributes both theoretically and practically to product development strategies in financial services, especially for state-owned enterprises seeking sustainable business growth through data-driven diversification.

This study aims to determine the form of legal modification of the authority of the district/city regional inspectorate in preventing criminal acts of corruption in the district/city regional government. The research method used is normative legal research. The results of the study indicate that the authority of the District/City Regional Inspectorate as regulated in several laws and regulations urgently needs to be modified to strengthen the authority of the District/City Inspectorate in preventing criminal acts of corruption in the District/City Regional Government. The modification in question is carried out in the form of revision/change of laws and regulations, where currently the position of the District/City Inspectorate is still parallel to the Regional Apparatus Organization, in the future it will be parallel to the Regional Secretary. The second modification is carried out in the form of repositioning the Role/Duties of the District/City Regional Inspectorate by encouraging the realization of Good Governance and Clean Government, Developing Supervisory Synergy, Supporting Efforts to Eradicate Corruption, Optimizing the Increase in State Revenue, Playing a Role in the Implementation of Regional Autonomy. While the third modification that can be done is through Institutional Development through the development of structures, Work Procedures, and Human Resources.

This study aims to analyze the strategy of improving the quality of public services through digital innovation in Sunter Agung Urban Village. In the era of globalization and rapid development of information technology, public services are expected to be more responsive, transparent, and efficient. The research used a descriptive qualitative approach with data collection through documentation studies and in-depth interviews with urban village officials and service users. The results showed that the use of digital innovations such as web-based service applications, online queuing systems, and document digitization has had a positive impact on improving service quality, including accelerating administrative processes and increasing community satisfaction. However, various obstacles are still found, including limited network infrastructure, suboptimal human resource capacity in mastering technology, and low digital literacy among the community, especially the elderly. For this reason, the proposed quality improvement strategy includes strengthening institutional capacity through digital training for apparatus, developing technological infrastructure, and digital literacy campaigns involving the wider community. This research is expected to serve as a reference for local governments in developing inclusive and sustainable digital-based public services.

Islamic educational institutions play a crucial role in shaping students’ character based on Islamic values. However, the rapid development of the digital era presents both opportunities and challenges. This article aims to analyze the problems faced by Islamic educational institutions in adapting to the digital age and to offer practical solutions. The research identifies key issues such as outdated curricula, lack of professional human resources, limited digital infrastructure, and financial constraints. The findings suggest that to remain relevant, these institutions must integrate technology into the learning process, reform curriculum design, improve teachers' digital competencies, and ensure sustainable funding. This study emphasizes the importance of collaborative efforts between schools, families, governments, and society in ensuring the advancement of Islamic education in a digitalized world.

This devotion discusses the implementation of the Spatial Planning Policy (RTRW) in West Sumbawa Regency to support the development of strategic areas from an economic perspective. The RTRW policy serves as the foundation for the formulation of development programs, aiming to create efficient, effective, and sustainable land use. Using a descriptive qualitative research approach, this study highlights key factors in policy implementation, including communication, resources, disposition, and bureaucratic structure. The Results of dedication that although the RTRW policy has been implemented, various challenges remain, such as low public participation, limited human resources and budget constraints, and legal uncertainties in land use. Additionally, the complexity of the bureaucratic structure influences the effectiveness of RTRW policy implementation. This study emphasizes the need for improved communication between the government and the public, capacity building for human resources, and more balanced regulations to achieve sustainable development in West Sumbawa Regency.

Basic education is a crucial stage in human resource development; however, not all students can follow the learning process at the same pace. Slow learners require special approaches to optimally understand the material. This study uses a descriptive qualitative method to examine teachers’ strategies in addressing slow learners in elementary schools. The findings indicate that curriculum modification, the use of engaging learning media, individualized approaches, collaboration with parents and schools, as well as inclusive and flexible classroom management are effective steps to support the success of slow learners. These approaches are expected to create an inclusive and equitable learning environment while enhancing student motivation and learning outcomes.

The rapid digital transformation has had a significant impact on various aspects of life, while simultaneously increasing the complexity of cyber threats faced by nations, including Indonesia. As a country with a high number of internet users, Indonesia is in a vulnerable position regarding cyberattacks that could threaten national stability. This study aims to analyze Indonesia’s national security strategy in responding to cyber threats through a descriptive qualitative approach based on literature review and document analysis. The findings show that Indonesia has implemented various strategic policies, including the establishment of the National Cyber and Crypto Agency (BSSN), the enactment of regulations such as the Personal Data Protection Law, as well as the strengthening of international cooperation, human resource development, and the utilization of security technologies. However, significant challenges such as weak inter-agency coordination, low digital literacy, and limited infrastructure remain major obstacles to effective implementation. This study recommends strengthening governance, increasing institutional capacity, and involving multiple stakeholders to build a national cybersecurity system that is adaptive, inclusive, and sustainable.

This study aims to map trends, patterns, and scientific developments related to sharia compliance in Islamic financial institutions through a bibliometric approach and network visualization using VOSviewer software. The data analyzed amounted to 409 scientific journal articles obtained from international databases during the 2019-2024 period. The analysis was conducted using quantitative methods for bibliometric data mapping and qualitative methods for literature review. The results showed a significant increase in the number of publications discussing sharia compliance, with five main clusters of interrelated topics, such as implementation, sharia governance, financial performance, the role of the Sharia Supervisory Board, and sharia principles. The findings show that compliance with sharia principles is an important aspect in maintaining the credibility and sustainability of Islamic financial institutions, although its implementation still faces various challenges, such as limited human resources and competitive pressures with conventional institutions. This study is expected to serve as a basis for further research and strategic input for regulators and industry players in strengthening the Islamic financial system.

Digital transformation is one of the essential needs in the development of sharia cooperatives in the Industrial Revolution 4.0 era. Rapidly developing information technology requires microfinance institutions such as cooperatives to adapt, in order to remain competitive, efficient, and relevant in meeting the needs of their members. Two main technologies that play an important role in this transformation are big data and cloud computing. This article aims to examine in depth how the use of big data and cloud computing can support the digital transformation process in sharia cooperatives. Using a literature review approach from various scientific sources, this article analyzes the basic concepts, potential benefits, case studies, and challenges of implementing both technologies in the context of sharia-based cooperatives. The results of the study show that big data can improve data-based decision making, risk management efficiency, and personalization of services to members. Meanwhile, cloud computing provides flexibility, cost efficiency, and accessibility of cooperative information systems widely, even in areas with minimal IT infrastructure. However, the success of implementing this technology is greatly influenced by the readiness of human resources, digital infrastructure, and compliance with sharia principles. This article also provides practical recommendations and a further research agenda as a contribution to the development of technology-based sharia cooperatives.    

Technological advances are closely related to the evolution of the times. The 21st century has seen tremendous digitalization. The number of digital-related activities and activities is increasing in this digital era. Like the rampant online buying and selling that is currently happening in the community. For some organizations, this activity offers many benefits. Because the buying and selling procedure is more effective and realistic. Nowadays, it is possible to search and buy almost anything online without physically meeting the seller. In the modern era, many micro businesses benefit from digitalization, so online buying and selling is not only for corporations or large-scale production. Through digital transformation, digital strategy, and digital capability development, MSMEs, or micro, small, and medium enterprises can now increase their competitiveness in the local market by implementing digital management strategies. While digital tactics can increase customer awareness and loyalty, digital transformation can help MSMEs improve their operational efficacy and efficiency. Through the adoption of digital technology and improving the skills of human resources, MSMEs can also become more competitive through the development of digital capabilities. It is not impossible for MSMEs to grow rapidly and generate significant income with the help of digitalization and a good management plan.

Job analysis serves as a strategic instrument in human resource management (HRM), forming the basis for organizational structure design, job descriptions and specifications, and supporting employee evaluation and development processes. This study employs a literature review approach involving 50 articles, narrowed down to 5 core sources to explore the critical role of job analysis. Findings indicate that job analysis not only enhances employee performance and job satisfaction, but also supports optimal placement based on competencies and personality profiles such as the DISC approach. Job analysis has proven effective in the education sector and holds broader potential for implementation across various industries.

The development of digital technology has driven fundamental changes in management accounting practices, which no longer serve merely as internal recording tools but have transformed into strategic support systems for business decision-making. This article aims to systematically examine the role of technology-based management accounting in supporting decisions at the strategic, operational, and tactical levels. This study employs a Systematic Literature Review (SLR) method on 20 relevant scientific articles published between 2021 and 2025. The findings indicate that the integration of technologies such as ERP, cloud accounting, artificial intelligence (AI), and big data can enhance the accuracy, speed, and efficiency of managerial decision-making. Additionally, it was found that the implementation of technology significantly impacts operational efficiency and a company's competitiveness. However, the success of implementing technology-based management accounting systems heavily depends on organizational readiness, human resource competencies, as well as supportive work structures and cultures. This article also identifies gaps in the literature, particularly in the context of SMEs, which present important opportunities for future research.

This research is motivated by the limited workforce at Risse Convection, where this convection has not been able to increase income significantly due to limited production capacity caused by a lack of qualified workforce. The aim of this research is to provide concrete recommendations for Risse Convection in developing an effective human resource development strategy to deal with workforce limitations and meet demand for sharia clothing products. The following is the essence of the research based on the problem formulation for copra entrepreneurs in Nagari Lansek Kadok: the majority of copra entrepreneurs in Nagari Lansek Kadok, South Rao District, Pasaman Regency, prioritize excellent service to customers and analyze the growth of their business to increase people's income. Because most of the residents of Nagari Lansek Kadok have lower middle class incomes, the community still views the purchase price given by the seller (copra entrepreneur) as reasonable. The business strategies of Nagari Lansek Kadok copra entrepreneurs, the factors that hinder these entrepreneurs, and the development strategies carried out by traders in this area are things that need to be improved if the residents of Nagari Lansek Kadok, South Rao District, Pasaman Regency can make improvements. to see an increase in their income. The reason behind this is that they continuously incorporate new ideas into the development of their company. Based on the research results, it can be concluded that the human resource development strategy to overcome the limited workforce in Risse Convection Sungai Pua, Agam Regency is: 1. Lack of workforce at Risse Konveksi resulted in reduced production of sharia clothing on the market, workforce competency occurred due to the lack of special training for employees, resulting in the work being completed more slowly or not on time. To overcome this problem, Risse Convection implements an annual reward system, and employee training is carried out personally. For new employees, Risse Convection uses its convection advantages in innovative sharia clothing designs to be able to recruit employees from the surrounding area or outside the village/nagari as well as the use of social media to promote new design innovations to reach a wider audience and increase brand visibility. 2. By using the SO (Strength-Opportunity) strategy method, namely optimizing existing strengths by taking advantage of existing opportunities. The SO (Strength-Opportunity) strategy that can be applied in increasing employment at Risse Convection is: utilizing excellence in innovative sharia clothing design to recruit employees from the surrounding area or outside the village/nagari and maintaining an annual reward system for employees who work hard to improve motivation and productivity.

The role of job training, self-efficacy, and human resource development (HRD) in improving employee performance is discussed in this study. The problem raised is how these three components can synergistically influence employee work efficiency, considering the many challenges faced by organizations in optimizing their human resource potential. The library method and literature review approach are used in this study. This involves the analysis of primary and secondary data from reliable international journals indexed by Scopus and national journals indexed by Shinta. These data were collected through a review of relevant literature covering theories and empirical research on self-efficacy, job training, HRD, and their effects on performance. The results of the study indicate that increasing employee motivation and confidence to complete assigned tasks is very important. Technical skills and adaptability to changes in the work environment are improved through competency-based job training. Meanwhile, an innovative and productive work culture is generated through continuous learning and mentoring programs. When used together, these three components can contribute to improving individual and organizational performance. According to this study, to maintain the sustainability and competitiveness of organizations in the modern era, a holistic approach to HR management is essential

This study aims to analyze the effectiveness of local revenue realization, particularly Regional Original Revenue (PAD), in supporting regional development programs. PAD serves as a vital indicator of fiscal independence and a primary funding source for sustainable development efforts. However, many regions still face significant challenges in optimizing PAD potential. Gaps between revenue targets and actual realization, weak retribution management, low taxpayer compliance, and poor inter-agency data integration are major obstacles to effectiveness. This study utilizes a descriptive method rooted in qualitative analysis by examining existing literature and secondary data analysis from credible sources. The findings indicate that PAD effectiveness strongly influences a region's fiscal capacity to implement development functions, especially in public service and infrastructure sectors. Therefore, policy reform, strengthening of revenue collection systems, and improvement of human resource capacity are critical strategies to achieve fiscal autonomy and sustainable regional development. The integration of religious values into strategies for optimizing local revenue (PAD) can also enhance tax awareness through spiritual and social approaches, strengthen public trust in the government, and foster development that is not only materially oriented but also grounded in ethics and social justice.

Climate change is a global challenge that affects various aspects of life, including economic development. The concept of green budgeting has emerged as an important strategy to ensure the efficiency of public spending while supporting sustainable development in Indonesia. This research analyzes the potential of green budgeting to enhance the efficiency of environmental budget management, focusing on public fiscal policies that align with sustainability. By implementing mechanisms such as climate-based budgeting (CBT), the government can increase the budget for programs aimed at mitigating and adapting to the impacts of climate change, but also faces structural challenges such as a lack of human resources and the absence of a comprehensive oversight system. This study adopts a qualitative approach to identify the relationship between public expenditure efficiency and the implementation of green budgeting in development policy, using literature review methods. Research results show that the distribution of green budgets in the state budget (APBN) is still limited, indicating a potential inefficiency in fund allocation. Therefore, it is necessary to enhance institutional capacity, integrate monitoring systems, and commit to implementing fiscal policies that consider the environment by both the central and local governments.    

This research analyzes the legal development of Islamic banking in Indonesia and Malaysia through a comparative law approach. Islamic banking has become an important component of the global financial system, yet its growth varies across countries. Indonesia's Islamic banking industry, while experiencing significant progress in recent years, still faces regulatory and institutional challenges. In contrast, Malaysia has emerged as a global hub for Islamic finance due to its integrated regulatory framework, strong government support, centralized Shariah compliance system, and established human resource development. This study employs normative legal research using primary and secondary legal sources, and applies comparative legal theory. The findings highlight the importance of legal harmonization, centralization of fatwa authorities, active government involvement, and comprehensive infrastructure development in supporting the growth of Islamic banking. Lessons from Malaysia's experience can serve as valuable references for Indonesia to enhance its Islamic banking industry and improve its competitiveness in the global market.

This research aims to analyze employee work stress at PT X. The objectives of this study include understanding the factors that cause employee work stress at PT X, knowing the strategies used by PT X in overcoming work stress, and the company's response to employee work stress that occurs at PT X. The research method used is descriptive analysis with a qualitative approach. The background of this research is based on excessive workload in the work environment, decreased motivation caused by a lack of attention from the company to workers. The results of this study show that high levels of stress among PT X employees significantly affect employee performance. Employees often feel frustrated to the point of forcing themselves to complete work quickly. As a result, employees are exposed to work stress and performance productivity decreases. To overcome this problem. PT X has implemented workload mapping strategies, appreciation in the form of compensation, and recruitment of new employees. The implementation of this strategy has shown positive results in improving employee productivity and performance efficiency. This study concludes that high work stress has certain consequences on employee performance. Recommendations include stress management programs, periodic performance effectiveness evaluations, and further studies that explore the relationship of job stress with other variables, such as individualism and leadership. The findings are expected to contribute to the development of more effective human resource management strategies in modern work environments.