Publication Search

Abstract. The background to this research is that the trend of non-cash or cashless transactions is increasingly widespread in Indonesia. The Bank is also trying to expand its network sector by providing a number of conveniences when carrying out financial transactions without the need to come to the bank. One of them is transactions via smartphone or M-Banking. However, behind the development of banking and the ease of making transactions via M- Banking, there is also the risk of cyber-based crime or threats, so this research aims to analyze the security of transactions when using M-Banking services. The focus of this research is: 1) What is the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? 2.) What are the efforts to increase security for customers who make transactions via M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? The objectives of this research are: 1) To find out the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office. 2) To find out how efforts to increase transaction security are carried out by Bank Muamalat Indonesia Denpasar Branch Office. The research method that will be used is descriptive qualitative, with data collection techniques through observation, interviews and documentation, as well as data validity techniques through the triangulation method. The research results will be presented in a descriptive manner. The result of this research is that transaction security in M-Banking services carries out risk analysis to detect threats that occur. 1) risks in using M-Banking services can be detected through the risk analysis process carried out by the bank, which includes identification, evaluation and risk assessment, as well as risk management. 2) the improvement efforts made are by managing customer information security in accordance with CIA standards (Confidentiality, Integrity, Availability) so that customers can use M-Banking services safely and comfortably.

The mining sector in Indonesia inherently involves high OSH (Occupational Safety and Health) and Environmental risks, necessitating strict adherence to regulations like Ministerial Decree of Energy and Mineral Resources No. 1827/2018 and Directorate General of Mineral and Coal Decree No. 185/2019. PT Putra Perkasa Abadi (PPA) at the Borneo Indobara Site launched the Indobara Pillar Program to optimize SHE (Safety, Health, Environment) performance and achieve "gold category" status. This research aims to analyze the effectiveness of the program's implementation from February to June 2024, and to identify its supporting and hindering factors. As a case study, this research will describe the implementation process, evaluate target achievement, and analyze influencing factors. Despite the program's launch, January 2024 data showed initial challenges: 67% overall program achievement, with only 38% of programs being effective. Key issues included inconsistent monitoring, unsuitable forms, poor synchronization of internal leading indicator data, insufficient understanding among SHE Group Leaders, and suboptimal personal safety awareness. These challenges directly impacted SHE performance targets. In conclusion, this in-depth analysis is expected to identify how the Indobara Pillar Program can be optimized, contribute to OSH/SHE literature, and enhance the company's safety culture comprehensively.

The continuous operation of airlock machines in wheat milling facilities plays a critical role in the material handling system, especially in the transfer of grain from ships to silo storage. At PT XYZ, the airlock machine has been identified as the equipment with the highest frequency of downtime over a three-month observation period, leading to significant disruptions in production flow and increased corrective maintenance costs. This study aims to analyze the failure modes of the airlock machine using the Failure Mode and Effect Analysis (FMEA) method and to develop preventive maintenance recommendations based on the highest Risk Priority Number (RPN) values. The research adopts a quantitative descriptive approach, involving field observations, interviews with maintenance personnel, historical breakdown analysis, and machine technical documentation review. The FMEA results indicate that the seal, gear, and bearing are the most critical components, with RPN values of 224, 210, and 192, respectively. These components are prioritized for preventive actions such as regular seal replacement, scheduled lubrication, gear inspections, and motor monitoring. Simulation of the proposed maintenance strategy demonstrates a 66.7% reduction in downtime, from 18 hours to 6 hours per month, and a 43.7% reduction in total maintenance costs, from Rp 9,034,500 to Rp 5,087,500 monthly. These results validate the effectiveness of the FMEA method in identifying risk-prone components and optimizing maintenance planning. It is recommended that PT XYZ institutionalize periodic FMEA updates and establish a cross-functional analysis team to continuously monitor and improve equipment reliability.

The Simalungun culture, a vital part of the Batak ethnic identity in North Sumatra, is increasingly at risk of marginalization due to the accelerating influence of globalization and national standardization in education. Despite policy allowances for local content (muatan lokal), the incorporation of Simalungun cultural elements into formal schooling remains inconsistent and largely superficial. This study aims to investigate how educational institutions can serve as effective agents of cultural socialization to preserve and transmit Simalungun cultural identity among youth. Employing a qualitative interpretive approach, the research integrates ethnographic observation, in-depth interviews, and discourse analysis of curriculum documents across five Simalungun-majority schools. Data were analyzed using NVivo and interpreted through the lenses of Vygotsky’s sociocultural theory and Bourdieu’s concept of cultural capital. The findings reveal major structural and pedagogical barriers: most teachers lack training in Simalungun traditions, curriculum content is minimal, and student cultural awareness is declining. However, the study also identifies effective practices in schools that involve community elders and use experiential methods, demonstrating improved student engagement and cultural retention. A Cultural Transmission Score (CTS) of 0.46 confirms the limited efficacy of current efforts. The study concludes that formal education systems must move beyond ceremonial inclusion to structural integration of local culture, supported by teacher development and community-school collaboration. These insights offer a scalable framework for strengthening indigenous cultural education in minority contexts.

Dengue Fever (DF) continues to be a major public health threat in Indonesia, especially in urban areas with high population density, such as Purwokerto City. This study aims to develop a predictive model to identify high-risk areas for DF outbreaks by integrating Machine Learning (ML) algorithms and Geographic Information Systems (GIS). The research utilizes historical dengue case data, meteorological parameters (rainfall, temperature, humidity), and population density as predictive variables. Three ML classification algorithms—Naïve Bayes, Logistic Regression, and Support Vector Machine (SVM)—were implemented to develop risk prediction models. Extensive data preprocessing, feature selection, and spatial integration were applied to ensure model robustness. The results show that the SVM model outperformed other methods, achieving the highest accuracy, precision, recall, and F1-score in classifying dengue risk zones. Risk maps generated through GIS visualization successfully identify priority areas for targeted interventions. The novelty of this research lies in the combination of local epidemiological data, multi-algorithm comparison, and geospatial mapping to improve early warning systems for DF in Purwokerto. This integrated approach is expected to support more effective prevention strategies and enhance public health preparedness.

The Indonesian retail industry has experienced significant changes during the 2020-2023 period, starting with the Covid-19 pandemic in early 2020. Although it is gradually showing signs of recovery, the companies have felt a huge impact, such as many stores closing, increasing operational costs, and decreasing consumer spending, which are challenges for retail business actors to maintain their business continuity. This study aims to determine the factors that can be predictors of the financial distress of retail industry companies in Indonesia. The sample in this study was retail industry companies listed on the Indonesia Stock Exchange for the 2019-2023 period and had complete financial reports, resulting in 10 companies. Data analysis uses the logistic regression method. The results of the study show that the debt-to-equity ratio (DER) and return on asset (ROA) have a significant effect, while the current ratio (CR), total asset turnover (TATO), and operational cash flow margin (OCF margin) do not have a significant effect on financial distress. Thus, retail industry companies can utilize debt as a financing strategy to accelerate growth and need to focus on efficient asset utilization so that they can increase revenue and profit margins in order to achieve better financial performance and reduce the risk of financial distress.

The bodywork industry in Indonesia is under high competitive pressure, requiring companies to be more adaptive in understanding customer behavior in order to maintain business continuity. PT. Bengawan Karya Sakti as one of the national bodywork companies, has not optimally utilized historical transaction data to assess customer loyalty. This study aims to identify customer loyalty segmentation through the application of the RFM (Recency, Frequency, Monetary) method, which is used to analyze sales transaction data in 2022 and 2023. The study uses the CRISP-DM approach which includes the stages of business understanding, data exploration, data cleaning and processing, modeling, evaluation, and implementation of results. The transaction data analyzed includes attributes of transaction date, customer, number of transactions, and transaction value, which are then processed into RFM scores based on the transaction year and classified into categories such as Very Loyal, Loyal, At Risk, and others. The segmentation results show an increase in the number of very loyal customers from 2022 to 2023, as well as a significant decrease in inactive and at-risk customers. The chi-square statistical test shows that the difference in customer distribution between years is statistically significant (p-value <0.05), indicating a real influence from the company's strategy or external factors. The main conclusion of this study is that the RFM method is effective in the bodywork industry to support data-based marketing decision making and more targeted customer retention strategies.

Adolescents living in families where a parent has schizophrenia are at risk of experiencing significant psychological distress. This study aims to gain an in-depth understanding of the subjective experiences of a teenage boy in dealing with the psychological burden of having a mother with schizophrenia. The research employed a qualitative approach with a phenomenological method and utilized Interpretative Phenomenological Analysis (IPA) for data analysis. The participant in this study was a 16-year-old male adolescent who lives with his mother diagnosed with a chronic mental illness. The findings reveal that the subject experienced psychological burden in both objective forms, such as caregiving duties and domestic responsibilities, and subjective forms, including feelings of shame, anxiety, limited social interaction, and emotional conflict. Despite these challenges, the subject developed adaptive coping strategies through social engagement, sports activities, and support from peers and the surrounding environment. These findings highlight the psychological dynamics faced by adolescents in families affected by mental disorders and emphasize the importance of experience-based approaches in psychological intervention efforts.

This study aims to evaluate the financial performance of PT. Matahari Department Store Tbk for the 2023–2024 period using financial ratio analysis, particularly profitability and liquidity ratios. The study applies a descriptive quantitative approach, utilizing secondary data from the company’s financial reports. Profitability ratios such as Net Profit Margin, Return on Assets (ROA), and Return on Equity (ROE), along with liquidity ratios including Current Ratio, Quick Ratio, and Net Working Capital Ratio, were used as indicators. The results show a significant increase in profitability ratios, indicating improved operational efficiency and asset utilization. Meanwhile, the liquidity ratios also improved but remained below the optimal level, suggesting that the company still faces challenges in meeting its short-term obligations. In conclusion, PT. Matahari has demonstrated enhanced profitability but needs to strengthen its liquidity position to ensure financial stability.

This study aims to analyze the influence of service quality and customer trust on customer satisfaction and customer loyalty among DANA e-wallet users in DKI Jakarta, both directly and indirectly through customer satisfaction as a mediating variable. Data were collected from 235 respondents through an online questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. The results indicate that service quality and customer trust have a positive and significant effect on customer satisfaction. However, neither variable has a significant direct effect on customer loyalty. Conversely, customer satisfaction shows a positive and significant influence on customer loyalty and serves as a mediator between service quality and customer trust toward customer loyalty. The instrument's validity and reliability were confirmed through outer model testing, discriminant validity, and construct reliability analysis. These findings highlight the critical role of customer satisfaction in building user loyalty toward e-wallet services.

This research analyzes the ethics of broadcasting advertisements on television media, especially related to  broadcasting time regulations. The significant role of television in shaping people's thoughts and  behaviors, coupled with the proliferation of potentially unethical and inappropriate broadcasts, highlights  the urgency of this issue. Such violations, especially those concerning children and adolescents, pose  significant risks due to exposure to inappropriate content and the normalization of unethical behavior. This  study emphasizes the importance of media commitment to the Broadcasting Behavior Guidelines and  Broadcast Program Standards (P3SPS) and Law No. 32 of 2002, which aims to protect viewers from  harmful information. This study uses a library observation method with a qualitative approach, analyzing  existing reports, research, and written sources. Data analysis uses Miles and Huberman's qualitative  decomposition technique, which includes data reduction, data presentation, and drawing conclusions. The  findings of the study are in line with previous studies, indicating that violations of broadcasting ethics and  broadcasting hours are systemic problems that have not been resolved. This underlines the need for stricter  supervision, sanctions, re-evaluation of broadcasting time classifications, and media literacy education for  the community.

This study aims to explore gross motor developmental delays in 6-year-old children as an early indication of possible Tourette syndrome. Tourette syndrome is a neuropsychiatric disorder characterized by the emergence of spontaneous movements and sounds (tics) that are not realized and can interfere with the child's daily activities. In this study, a qualitative approach was used with a case study method on a boy in Malang City who showed symptoms of motor and vocal tics. Data collection was carried out through observation, in-depth interviews with teachers and parents, and documentation of the child's activities in the home and school environment. The results of the observation showed that the child had difficulty maintaining balance and showed spontaneous movements such as shaking his head, blinking, and clearing his throat repeatedly. These symptoms do not always appear consistently and occur more often when the child is tired or mildly stressed. Data analysis showed that motor delays were not caused by muscle disorders, but by an imbalance in neurological regulation that affects movement coordination. The main risk factors come from daily habits such as excessive use of gadgets, lack of rest time, and unstable emotional responses. The treatment carried out involves a combination of medication from a neurologist and environmental support such as reducing stress triggers, regulating playtime, and an inclusive educational approach. This study emphasizes the importance of early detection, holistic intervention, and ongoing support from families and educators in dealing with children with Tourette syndrome symptoms so that motor delays do not develop into more serious disorders.

This study aims to analyze the effect of audit quality, earnings power, and risk-taking behavior on firm performance, while also testing the moderating role of the risk management committee. The research was conducted on 18 mining companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2023 period. A quantitative approach was employed using moderated regression analysis (MRA). The results show that only earnings power has a positive and significant effect on firm performance, whereas audit quality and risk-taking behavior have no significant effect. Additionally, the risk management committee strengthens the influence of audit quality on firm performance but does not moderate the relationship between earnings power or risk-taking behavior and performance. These findings suggest that internal oversight through the risk management committee is only effective in the context of audit but not yet optimal in managing earnings or risk-taking. This study contributes to corporate governance literature in the mining sector by emphasizing the importance of an active and strategic risk management committee.  

The purpose of this study is to determine how the regulation and implementation of legal protection for lenders in cases of default based on the Financial Services Authority Regulation (POJK) No. 77/POJK.01/2016 concerning Information Technology-Based Money Lending Services. This study also examines the form of legal responsibility of the platform organizer, as well as dispute resolution efforts that can be taken by lenders. The research method used is the normative legal method with a statutory regulatory approach and case studies. Data were obtained through literature studies and documentation of applicable legal provisions, as well as relevant documents and reports from PT. Crowde. The analysis was carried out qualitatively-descriptively to assess the suitability between field practices and applicable regulations. The results of the study indicate that POJK No. 77/POJK.01/2016 has not fully provided comprehensive legal protection for lenders in cases of default. Legal responsibility for default is still largely borne by the civil relationship between the borrower and the lender, without any concrete risk recovery mechanism from the organizer. Therefore, it is necessary to strengthen regulations, increase platform transparency, and play an active role for the OJK and the Indonesian Joint Funding Fintech Association (AFPI) in supervising and following up on default cases.

Digital outpatient services are an important alternative in providing fast, efficient, and affordable health services, especially after the COVID-19 pandemic. However, this system change requires an active role from Health Care Administrators in designing strategies that can maintain and improve patient satisfaction. This article aims to analyze how the role of health administrators in developing technology-based quality management strategies to optimize patient experience in digital services. This study uses a qualitative approach with literature studies and analysis of digital outpatient service policies. The results of the study indicate that the success of increasing the patient satisfaction index depends on the administrator's ability to design effective digital communication strategies, virtual queue management, digital HR training, and strengthening online feedback systems. The involvement of administrators in strategic decision-making also makes a major contribution to improving service quality. The main recommendation of this study is the need to strengthen the capacity of health administrators in aspects of information technology, digital risk management, and patient engagement. With this strategic role, health administrators are at the forefront of the transformation of digital health services in the future.

The study was conducted as an analysis of the impact of liquidity risk, credit risk, operational risk, asset growth, and net interest margin on financial performance. This study consists of five independent variables consisting of liquidity risk with a proxy for the Loan to Deposit Ratio, credit risk proxied by NonPerforming Loan, operational risk proxied by Operating Expenses to Operating Income, Asset Growth proxied by the Asset Growth Ratio, Net Interest Margin as a measure of net interest margin, and financial performance measured by Return on Assets. There are 39 banks with a total of 117 observation data samples in the study. With the object of research conventional banks that report their annual reports on the IDX in 2021-2023. Based on the results of the study, liquidity risk and asset growth do not affect financial performance. Credit risk and operational risk have a negative effect on financial performance. Also, the net interest margin has a positive effect on financial performance.

The enactment of Law No. 1 of 2023 concerning the Criminal Code (KUHP) has brought a number of controversies, one of which is related to the revival of provisions regarding the criminal act of insulting the President and Vice President. This article aims to critically examine these provisions in the perspective of the freedom of expression guaranteed by the Indonesian constitution and international human rights instruments. This research uses a normative juridical approach with an analysis of the norms in the new Criminal Code, the 1945 Constitution, as well as international treaties such as the International Covenant on Civil and Political Rights (ICCPR). The results of the study show that although the provision of insulting the President in the Criminal Code is only referred to as a complaint offense and is framed to protect the dignity of state institutions, the provision still has the potential to limit freedom of opinion excessively. In addition to risking opening a loophole for criminalization of legitimate public criticism, this rule also has the potential to contradict the principles of non-discrimination and accountability of public officials in a democratic country. Therefore, an in-depth evaluation of the formulation of norms and their application is needed so that they do not conflict with the spirit of democracy and the protection of human rights.   Keywords: , , , , .

The development of the banking sector has led to an increase in the processing of customers' personal data, which can pose a risk of data misuse. One of the efforts to prevent this is the implementation of data minimisation, which emphasises that the personal data collected must be relevant, limited, and consistent with the legitimate purposes of processing, as well as transparent in accordance with the provisions of Article 27 of Law No. 27 of 2022 on Personal Data Protection (PDP Law). This study employs a normative legal analysis method with a descriptive-analytical approach, incorporating transformative legal theory and privacy rights protection to examine the application of the data minimisation by banks. The findings indicate that excessive data collection practices still frequently occur and may violate customers' privacy rights. Therefore, banks are required to disclose the types and relevance of customer data, conduct regular mapping and evaluation of the data required, and implement selective and secure information technology systems. This implementation constitutes banks' compliance with data protection principles, particularly security and accountability. Additionally, active customer involvement and oversight by authorities are crucial factors in ensuring the effectiveness of data minimisation implementation in the banking sector.

This study aims to analyze the role of cash flow and financial ratios in predicting financial distress in manufacturing companies listed on the Indonesia Stock Exchange for the period 2021–2023. The independent variables include cash flow, profitability, liquidity, leverage, and activity ratios, while financial distress serves as the dependent variable. This research employs logistic regression analysis with purposive sampling, resulting in a sample of 100 companies with a total of 300 observations. The findings reveal that liquidity and activity ratios have a significant negative effect on financial distress, while solvency has a significant positive impact. However, cash flow and profitability do not significantly influence financial distress. These findings highlight the importance of liquidity management and asset efficiency in reducing financial distress risk, while also indicating that high debt burdens increase the likelihood of financial distress. The study’s implications provide valuable insights for management and investors in making strategic financial decisions

This study examines the role of smart technology, particularly Artificial Intelligence (AI) and the Internet of Things (IoT), in strengthening economic resilience in the face of climate change impacts. Using a qualitative descriptive approach with a literature stufy method, secondary data was obtained from scientific journals, books, proceedings, and relevant online articles. The analysis was conducted through reduction, categorization, and thematic analysis of the relevant literature. The results show that AI contributes significantly to improving economic efficiency and risk prediction compabilities. While IoT strengthens connectivity and automation that support supply chain stability, the intregration of AI and IoT in the agricultural sector significantly increases productivity and food security. In addition, smart technology is also an effective mitigation tool against exctreme climate variations that impact the economy and society. This study emphasizes the importance of cross-sector collaboration and digital infrastructure investment to build adaptive and sustainable economic resilience. The implication of this research provide a basis for policy strategies and digital innovation in an era of increasing dynamic climate change.