Publication Search

Credit Union (CU) Mandiri is one of the cooperative-based microfinance institutions that plays an important role in improving the economic welfare of the community in Pematang Siantar. This study aims to analyze the contribution of CU Mandiri in empowering its members through savings and loan programs, financial literacy training, and micro-business development. The method used in this study is a descriptive qualitative approach, with data collection techniques through interviews, observations, and documentation studies. The results of the study show that CU Mandiri not only provides affordable financing access for low-income communities, but also increases the awareness and ability of its members to manage their finances independently. Through cooperative principles such as solidarity and active participation of members, CU Mandiri has succeeded in creating an environment that supports local economic growth. However, challenges such as low financial literacy and limited capital are still obstacles that need to be addressed systematically.

The development of society and the increasing complexity of legal relations necessitate the reform of the national criminal law system. This research is motivated by the need to examine the relevance and responsiveness of provisions governing the criminal act of embezzlement in the 1946 Indonesian Criminal Code (Old KUHP) and the 2023 Indonesian Criminal Code (New KUHP). The aim of this study is to analyze the substantive similarities and differences between the two codifications of criminal law, and to assess the extent to which the New KUHP addresses the challenges of modern legal systems. This study employs a normative juridical method using a comparative approach to relevant legislation. The findings reveal that, while both codes share fundamental elements of embezzlement and similar sentencing structures, the 2023 KUHP adopts a more progressive approach. Key reforms include the expansion of legal subjects to include corporations, the adjustment of value thresholds for minor embezzlement, the implementation of more flexible sanctions such as fines, and the strengthening of restorative justice principles. The implications of these findings indicate that the 2023 KUHP is more adaptive to socio-economic dynamics and the needs of a modern criminal justice system. Accordingly, the New KUHP offers a more relevant and contextual legal framework, particularly in addressing embezzlement offenses.

The US dollar has been the main global currency for quite a long time, which has made other countries dependent on the US economy, and has also become a risk for developing countries and global trading partners. In this situation, the BRICS member countries (Brazil, Russia, Cina and South Africa), planned a dedollarization strategy to create a fair international financial system. This studywill examine the strategy by looking at the monetary, technological and geopolitical aspects, and its impact on developing countries such as Indonesia. Using qualitative methods, especially literature studies, the researcher found that although various efforts have been made such as strengthening local currencies and creating inter-country payment systems,the dominance of the dollar countries. The main challenges include the lack of monetary policy alignment, the low level of financial integration between BRICS members and the impact of geopolitical tensions. These implications show that dedolarization is a process that requires a long time, cooperation, economic stability and technological innovation to become a real alternative to be the dominance of the US dollar in the future.

This study analyzes the impact of sustainable tourism concept implementation on the community of Tobati-Enggros Village, Jayapura City. Using qualitative descriptive methods with in-depth interviews, participatory observation, and document analysis involving 35 informants, this research evaluates three pillars of sustainability: economic, socio-cultural, and environmental aspects. The findings show that sustainable tourism implementation achieves a moderate effectiveness score of 2.7. Economically, tourism creates new employment opportunities and increases community income by 25%-400%, but benefits distribution remains unequal with 70% of profits controlled by 30% of residents. Socio-culturally, tourism helps preserve the unique "Women's Forest" tradition while causing erosion in traditional practices like gotong royong (community cooperation). Environmentally, significant ecosystem degradation occurs with water quality declining 56% and mangrove forest coverage reducing by 10%. The study recommends strengthening community-based tourism institutions, implementing comprehensive waste management systems, and developing community capacity building programs to optimize sustainable tourism benefits while preserving environmental and cultural integrity.

Village infrastructure is an important foundation for local economic development and improving the welfare of the community in the area. However, the obstacles often encountered include ineffective budget planning, lack of community participation, and weak supervision in budget implementation. Nevertheless, there is potential for improvement through the implementation of an integrated village financial information system and active community involvement in the village development planning deliberation process (Musrenbangdes). This study employs a qualitative approach, utilizing primary data obtained through interviews and secondary data from journal sources and previous research. The results of this study indicate that village infrastructure development through the APBDes begins with the participatory preparation of the RKP, involving RT, RW, and BPD. Funding comes from the APBDes, PAD, and community self-help. The focus of development has now shifted to community empowerment, especially women, through skills training. APBDes management faces challenges in meeting sudden needs and relies on deliberation for solutions. Transparency is maintained through budget publication, and project implementation considers environmental aspects. Evaluations are conducted by the Inspectorate and District Office, while the community also monitors and critiques implementation. Regarding the food security program, there will be a shift in management to BUMDes starting in 2025, pending new regulations. The APBDes covers revenue, expenditures, and financing, with village deliberations as the highest forum for approval. Village funds are considered insufficient, so assistance from the Regional People's Representative Council (DPRD) also plays an important role.

Maritime piracy in the Gulf of Guinea has become a non-traditional security threat with serious implications for regional stability and global trade. Using a qualitative approach and a case study method, this study analyzes the characteristics, causes, and responses to piracy in the region. The main contributing factors include weak maritime governance, vulnerable socio-economic conditions, and transnational criminal networks. Although several initiatives such as the Yaoundé Code of Conduct and the YARIS system have been implemented, coordination challenges and limited capacity remain significant obstacles. This study emphasizes the importance of a multidimensional approach and cross-border cooperation to achieve sustainable maritime security.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

Child sexual exploitation is a severe violation of human rights that demands a firm and multidimensional legal response. This study aims to identify the underlying causes of child sexual exploitation and to analyze and compare law enforcement practices against such crimes within the legal systems of Indonesia and Malaysia. The research employs a normative juridical method with a comparative law approach. The findings reveal that the contributing factors in both countries include weak legal enforcement, socio-economic vulnerability, misuse of digital technology, and prevailing cultural norms. In terms of punishment, Indonesia has introduced chemical castration as an additional sanction under Government Regulation No. 70 of 2020, while Malaysia imposes imprisonment and caning based on the Penal Code and the Child Act 2001. Despite having comprehensive legal frameworks, Indonesia continues to face challenges in implementation, such as inadequate law enforcement sensitivity and insufficient psychosocial support for victims. The comparative analysis indicates that legal effectiveness relies not only on statutory provisions but also on institutional commitment to uphold justice and child protection.

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

 A brand is one of the most valuable intellectual assets in the business sector, serving not only as a product identity but also as a reflection of reputation and quality. However, the increasing phenomenon of brand infringement indicates the urgent need for stronger and more effective legal protection. Brand infringement brings various negative consequences, including loss of consumer trust, unfair competition, and significant financial losses for brand owners. This study aims to analyze brand infringement from a criminological perspective, identify causal factors, and evaluate the role of law in addressing such violations. The research employs normative legal methods through analysis of statutory regulations, legal and criminological theories, and a literature-based approach using secondary data obtained from books, journals, and legal documents. The findings reveal that criminology provides relevant insights through theories such as Rational Choice Theory, which explains that perpetrators calculate the risks and benefits before committing the violation, and Anomie Strain Theory, which highlights how the inability to achieve economic or social goals legally can drive individuals or groups to commit brand infringement. The classification of violations includes imitation, counterfeiting, misuse, and unlawful exploitation of brand rights. Several causal factors were identified, including weak legal supervision, limited enforcement, and the high consumer demand for cheaper counterfeit products. Furthermore, the study underlines the essential role of the criminal justice system in addressing brand infringement through the enforcement of criminal, civil, and administrative sanctions as regulated under Law Number 20 of 2016 on Trademarks and Geographical Indications. In conclusion, brand infringement is not merely a legal issue but also a criminological problem that requires comprehensive handling through effective law enforcement, stronger supervision, and increased public awareness to protect intellectual property and ensure fair business practices.

Background: The global energy transition requires low-carbon solutions that can be integrated into existing thermal systems without drastic infrastructure changes. Hydrogen blending in conventional combustion systems has emerged as a promising pathway to reduce carbon emissions while maintaining operational flexibility. Objective: This study aims to experimentally evaluate the effect of hydrogen blending ratios (0–100% by volume) on thermal efficiency, CO₂ emissions, and NOx emissions, and to determine the optimal blending range based on technical and economic feasibility. Methods: An experimental thermal system prototype was developed and tested under controlled conditions with three repetitions per operating point. Performance parameters included combustion temperature, fuel consumption rate, and thermal efficiency, while emissions of CO₂ and NOx were measured using a calibrated gas analyzer. Data were analyzed using descriptive statistics, one-way ANOVA at a 0.05 significance level, confidence interval estimation, and linear regression to examine the relationship between hydrogen fraction and emission reduction. Results: The findings indicate that increasing hydrogen fraction significantly improves thermal efficiency, reaching 87.5% at 100% hydrogen, while CO₂ emissions decrease linearly to zero. However, NOx emissions increase with higher hydrogen content due to elevated combustion temperatures. Statistical analysis confirms that hydrogen ratio has a significant effect on efficiency and emissions, with a strong linear correlation between hydrogen fraction and CO₂ reduction. A blending range of 40–60% hydrogen provides the most balanced performance in terms of efficiency improvement, emission reduction, and cost feasibility.

Technological advancements have driven the growth of the financial industry in Indonesia. A more complex financial system provides benefits but also raises issues, such as the rise of illegal investments by business entities without official authorization. Investment involves allocating capital with the expectation of future profits. The growing middle class and economic development in Cangkring Village have increased public interest in investing. Unfortunately, many are tempted by high returns with minimal capital without considering legality. This community service program, as part of the Tri Dharma of Higher Education, aims to educate the public about legally compliant investments. The activities were conducted through lectures and participatory methods. The results indicate that public awareness of investment remains low due to limited financial literacy. Further education is needed to help people distinguish between legal and illegal investments, ensuring they invest safely and in accordance with applicable laws.

The aim of this research is to explore the impact of financial literacy, financial inclusion, and locus of control on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) active in Central Java. This study follows a quantitative research approach, which involves testing hypotheses and determining the relationships between variables, allowing for generalization of the results from the sample to the broader population. Quantitative research collects data in the form of numbers or statistics, enabling objective statistical analysis. The study employs clear and standard measuring tools to ensure the consistency and reliability of the collected data. The research begins with a specific hypothesis, which is then tested through systematic data collection and analysis. The results of the study indicate that the variables of financial literacy (X1), financial inclusion (X2), and locus of control (X3) all have a positive and significant influence on the financial performance of MSMEs in Central Java. The statistical analysis shows that the calculated T values are greater than the critical values in the t-table, and the significance values are below the threshold of 0.005, confirming the robustness of the findings. The results also suggest that enhancing financial literacy, promoting financial inclusion, and fostering a strong sense of locus of control among MSME owners can significantly improve their financial performance. These findings have important implications for policymakers and business development programs aimed at improving the sustainability and growth of MSMEs. By addressing these factors, MSMEs in Central Java can potentially achieve better financial outcomes and contribute to the overall economic development of the region. Future research could expand the scope to include more diverse regions and industries to validate and build upon these findings.

In today’s rapidly changing global context, employee motivation has emerged as a strategic issue in human resource management, particularly in sustaining organizational productivity and competitiveness. Developments such as digitalization, economic uncertainty, and workplace transformation have prompted companies to focus more deeply on effective motivational approaches. Recognizing the role of motivation in influencing employee retention, productivity, and operational efficiency, this study conducts a Systematic Literature Review (SLR) to map key concepts and empirical trends regarding the relationship between employee motivation and organizational performance. Grounded in theoretical frameworks such as Maslow’s Hierarchy of Needs, Herzberg’s Two-Factor Theory, and Self-Determination Theory, the study examines major drivers including leadership, compensation, and work-life balance. Findings reveal paradoxes in motivational strategy effectiveness across sectors and highlight research gaps, particularly in cross-industry approaches and integrative synthesis. This study provides valuable contributions for academics and practitioners in designing evidence-based, context-relevant motivation strategies aligned with the dynamics of modern organizations.

This community service program aims to introduce and implement a hydroponic farming system as an alternative effective planting medium to improve the economic welfare of the community in RT 19, Bumiayu Village, Bengkulu City. This activity is motivated by the limited agricultural land in urban areas and the minimal use of narrow spaces for productive activities. The methods used include counseling, training, and direct practice of hydroponic cultivation by utilizing used goods such as plastic bottles. The results of the activity showed that the community was very enthusiastic in participating in the training and were able to apply basic hydroponic techniques independently. From an Islamic economic perspective, this activity reflects the values ​​of justice, welfare, and empowerment, where the community is not only given knowledge, but also guided to become more economically independent. Hydroponics has proven to be an alternative to modern agriculture that can increase productivity and empower the community in a sustainable manner.

Pregnancy, labor, and the postpartum period can all be more hazardous for the health of the mother and fetus in high-risk pregnancies. By doing a thorough literature analysis, this study seeks to determine the contributing factors to high-risk pregnancies. Methods: A systematic review of the literature utilizing ten national journals from PubMed and ten foreign journals from Google Scholar. The inclusion criteria were observational and cohort research articles published between 2020 and 2024, as well as systematic reviews of research articles with their determinants found in databases like PubMed and Google Scholar. Maternal factors (age <20 or >35 years, history of chronic diseases, and maternal health condition), obstetric factors (pregnancy spacing too close, multiparity, or history of previous pregnancy complications), and socioeconomic factors (low education, limited access to health services, and poor economic status) are the factors that contribute to high-risk pregnancies, according to the analysis. Furthermore, bad lifestyle choices like drinking alcohol, smoking, and not eating enough food all play a big part. The study's findings emphasize the value of multifaceted initiatives that include education, better access to healthcare, and a comprehensive approach to policy in order to lower high pregnancy risk.

The development of the Islamic financial industry in Indonesia has shown significant growth, both in terms of institutions, products, and public participation. However, public doubts remain regarding the level of Sharia compliance of these financial products. Halal certification is a crucial instrument for ensuring that a financial product truly complies with Sharia principles. This study aims to analyze the urgency of halal certification for Islamic financial products and its implications for consumer trust from a Sharia economic law perspective. The research method used is qualitative with a normative-juridical approach through a literature review of laws and regulations, fatwas from the National Sharia Council (DSN-MUI), and previous research findings. The results indicate that halal certification for Islamic financial products plays a strategic role in increasing transparency, accountability, and public trust. However, there is regulatory overlap between Law Number 33 of 2014 concerning Halal Product Assurance and the provisions of the Financial Services Authority (OJK). Therefore, harmonization of regulations and strengthening oversight by the Sharia Supervisory Board are crucial steps in ensuring the integrity of the Islamic financial system.

Economic globalization has profoundly reshaped the legal and social structures of indigenous communities, often intensifying conflicts between state law and indigenous law. These conflicts stem from divergent legal norms and the marginalization of indigenous rights within national development agendas. This study investigates the interaction between state law and indigenous law, with particular attention to the impact of globalization and its implications for indigenous rights. Employing a qualitative socio-legal approach, the research utilizes a case study of a specific indigenous community, supported by interviews with indigenous leaders and policymakers, as well as analysis of national and international legal documents. The interpretative method highlights the meaning embedded in legal interactions and the lived experiences of indigenous communities. Findings reveal persistent tensions between state law and indigenous traditions, yet demonstrate that legal pluralism provides a constructive framework for reconciliation. Recognition of indigenous law contributes to social justice and underscores the need for inclusive development policies that promote economic fairness. The study concludes that national legal reforms are essential to strengthen the integration of indigenous law into formal structures, thereby advancing a more equitable and culturally responsive legal system.

Indonesia is one of the countries with the highest levels of biodiversity in the world and possesses vast tropical forest areas that play a crucial role in maintaining the stability of global ecosystems. However, in recent decades, Indonesia’s forests have faced significant pressures due to deforestation and environmental degradation, which have broad impacts on ecological functions, climate balance, and the socio-economic lives of communities. This study aims to examine the role of biodiversity and ecological adaptation mechanisms in maintaining the stability of Indonesia’s forest ecosystems through a literature review approach. The findings show that deforestation directly affects biodiversity decline, habitat fragmentation, disruption of hydrological systems, increased erosion, and carbon emissions. Additionally, illegal activities such as logging and mining exacerbate environmental degradation. Biodiversity is proven to be an important factor in enhancing ecosystem resilience to disturbances, including climate change. Adaptation mechanisms such as the presence of bioindicator species, the formation of ecological corridors, and community participation in conservation can strengthen ecological resilience. Rehabilitation of degraded areas and the implementation of sustainable governance policies are necessary to restore the ecological functions of forests. This study emphasizes the importance of a multidisciplinary and collaborative approach in conservation strategies, supported by strong scientific, social, and institutional frameworks to ensure the sustainability of Indonesia’s forest ecosystems in the future.

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.