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This study aims to analyze credit management strategies in reducing non-performing loans (NPL) at PT. BPR Ambulu Dhanaartha in Jember Regency. This study uses a descriptive method with a qualitative approach. Data collection was carried out through direct interviews with the bank, observation, and documentation studies from various relevant sources. The results of the study indicate that PT. BPR Ambulu Dhanaartha implements credit management strategies through the stages of planning, organizing, implementing, and monitoring. The factors causing non-performing loans come from internal aspects, such as credit analysis errors, as well as external factors, such as economic conditions and disasters. The handling strategies implemented include restructuring, rescheduling, and confiscation of collateral. By implementing strict credit analysis, structured credit policies, periodic supervision, and effective collection strategies, PT. BPR Ambulu Dhanaartha is able to minimize the risk of non-performing loans and maintain its operational stability.  

This research focuses on exchange rate fluctuations in Indonesia during the period of 2005 to 2023, influenced by various economic factors, primarily monetary policy and international trade dynamics. Exchange rate instability is a major concern because it can impact the national economy, including export competitiveness and macroeconomic stability. Consequently, the purpose of this research is to dissect the relationship between interest rates, export values, and wide money as it pertains to currency swings.  This study takes a quantitative approach by analyzing the relationship between the dependent and independent variables via multiple linear regression.  World Bank, International Monetary Fund, and Statistics Indonesia yearly time series data from 2005 to 2023 is used.  The findings show that broad money, interest rates, and export values significantly impact the swings in the Indonesian currency.  According to the findings of the multiple linear regression analysis, Interest rates and broad money have a positive and statistically significant effect on changes in exchange rates, but export values have a negative and statistically significant effect. The implications of this research emphasize the importance of appropriate interest rate policies and balanced broad money management to maintain exchange rate stability. Future researchers are advised to include global variables and more complex analysis methods.

The stability of the banking sector is crucial in maintaining a country’s financial system and economic sustainability. This study analyzes the impact of Net Interest Margin (NIM), Non-Performing Loans (NPL), and Capital Adequacy Ratio (CAR) on banking stability in Indonesia. The inconsistency of previous research findings indicates a research gap that requires further exploration. This study employs a quantitative approach using secondary data from financial reports of conventional banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The sample was selected using purposive sampling, resulting in 39 banks with 195 observations. Data analysis was conducted using multiple linear regression with classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation, to ensure model validity. The results show that NIM positively but not significantly affects banking stability, while NPL has a negative and significant effect. CAR also significantly influences banking stability. Enhancing banking intermediation effectiveness through NIM and CAR can strengthen financial stability, whereas increasing credit risk, reflected in NPL, can weaken stability. This study provides insights for regulators and banking management in designing more effective policies to maintain banking sector stability in Indonesia.

The risk of falls in the community in Kapuk Cengkareng Village, especially the elderly, is a health problem that can have a serious impact on quality of life. Balance examination and education are important preventive measures in reducing the risk of falls. This study aims to analyze the effectiveness of balance examinations using the Single Leg Stance (SLS) and Time Up and Go (TUG) methods and provide appropriate education to improve postural stability. The method used in this study involved balance tests with SLS and TUG in community groups with various age ranges. The data obtained were analyzed to see the relationship between balance test results and fall risk factors. In addition, balance education interventions were carried out including physical exercise and fall prevention strategies. There were 30 Respondents Involved in This Activity after the Task was completed The success measurement method was used to evaluate the pre- and Post-Test methods and N-Gain with a value of 0.9 indicating that the strength or category in this study was at a High Level. The calculation results showed a 70% increase from the Pre-test and Post-test results. This shows that respondents experienced positive changes after participating in the activity and that the Technique used could significantly improve the Results. The results showed that individuals with low scores on the SLS and longer travel times on the TUG had a higher risk of falling. The balance education provided was shown to improve balance ability and public awareness of fall risk factors. Thus, balance examination using the SLS and TUG methods and balance education can be an effective strategy in preventing the risk of falling in the community.

Micro, small and medium-sized enterprises (MSMEs) have the potential to generate new jobs, offer diverse economic services to society, and contribute to accelerating national growth and stability. Of course, MSMEs are a very important sector of the national economy that can affect the lives of people in general.One of the objectives of this research is to find solutions to the problems found in the business information system of Dim Sumeya MSMEs in Pangandaran. Furthermore, data collection techniques are applied through observation and interview stages. This study was carried out by applying descriptive qualitative techniques which include analysis, summary of phenomena, as well as direct depiction of phenomena from data obtained through observations and interviews. The study collected information through interviews with the owner of Dim Sumeya. The results indicated that Dim Sumeya has not maximised its digital financial transaction recording and still does it manually. As a result, the author recommends the use of the BukuWarung application. Through this application, Dim Sumeya can support their micro, small, and medium enterprises (MSMEs) in the management of the financial system, thus minimising the risks associated with using the application.

The aim of this research is to develop an effective strategy for family financial planning by utilizing secondary data obtained through literature studies. In today's consumer-driven society, managing finances wisely is essential to avoid impulsive spending and achieve long-term financial stability. The study identifies several key strategies that families can adopt to improve their financial behavior and planning. These include: (1) creating a budget and following it with discipline, (2) applying the “24-hour postpone” rule to avoid impulsive purchases, (3) reducing exposure to advertising, (4) focusing on long-term financial goals, (5) evaluating monthly shopping habits, (6) learning from personal desires instead of condemning them, and (7) reducing debt gradually. By implementing these strategies consistently, families can build better spending habits, avoid excessive consumer behavior, and work towards more sustainable financial well-being. These insights serve as a practical guideline for financial literacy and behavior modification in everyday family life.

This research aims to determine marketing strategies through SWOT analysis with a focus on segmentation, market position, targeting and marketing mix, which aims to increase consumer buying interest at Restaurant Garuda. The research results show that Restaurant Garuda implements various marketing mix strategies that influence the SWOT analysis, placing it in quadrant I (SO quadrant). This indicates a successful implementation of the odds and profits strategy, although with a slight difference of 2.4:2.95. Garuda Restaurant emphasizes the aspects of price, product, location and physical form of the building as the main factors that stimulate consumers' buying interest to try and remain loyal to their products. To maintain and increase consumer buying interest, it is recommended that Restaurant Garuda adopt product development strategies, improve brand image and maintain price stability. By implementing these strategies, it is hoped that Restaurant Garuda can maintain and increase their market share and customer satisfaction.

The aim of this research is to analyze the influence of student autonomy and financial behavior on planning pocket money for students receiving the KIP-K scholarship for the Business Education undergraduate program at PGRI Wiranegara University. The research method used is a quantitative approach with a correlational design. Data was collected through questionnaires distributed to 55 people selected using purposive sampling techniques. The results of linear regression analysis show that student independence has a significant influence on pocket money planning and financial behavior. At the same time, these two variables also have a significant influence on students' pocket money plans. This study shows how important it is for students to use their pocket money wisely to support academic success and financial stability. These findings will make a major contribution to the development of financial management guidelines for students, especially KIP-K undergraduate students.

Inflation is a significant economic challenge in Indonesia, affecting price stability and people's purchasing power. In a sharia economic perspective, inflation is not only seen as an economic phenomenon, but also involves moral and social aspects. This article discusses the role of sharia monetary instruments in controlling inflation in Indonesia, highlighting the principles of fairness and transparency. Instruments such as Bank Indonesia Sharia Certificates (SBIS), Bank Indonesia Sharia Savings Facilities (FASBIS), and Sharia Open Market Operations (OPT) have been implemented to regulate the amount of money in circulation and maintain economic stability. Although their contribution to controlling inflation is still limited, the potential of sharia instruments can be strengthened through increasing market understanding, education and collaboration between the government, Bank Indonesia and sharia financial institutions. With more optimal implementation, sharia monetary instruments can create a stable, fair and sustainable economic system for the Indonesian people.

This study examines the dynamics of monetary policy and economic diplomacy in maintaining the stability of the Rupiah exchange rate in the context of Indonesia’s international financial market. Indonesia’s economic stability is closely tied to the Rupiah’s value, which is influenced by both domestic economic policies and external global factors. The study analyzes the effectiveness of various monetary policy instruments used by Bank Indonesia, such as the benchmark interest rate, foreign exchange market interventions, open market operations, and minimum reserve requirements. Furthermore, it explores the role of economic diplomacy, including bilateral swap agreements and international cooperation, in enhancing Indonesia's foreign exchange reserves and stabilizing the Rupiah. Despite these efforts, external challenges such as global economic uncertainty, commodity price volatility, and geopolitical tensions continue to pose risks to exchange rate stability. The study concludes with strategic recommendations for strengthening monetary policy, including diversification of foreign exchange revenue, enhancing domestic financial markets, and fostering synergy between fiscal and monetary policies.

Exchange rate stability is an important indicator in maintaining the balance of a country's economy, especially in facing global market dynamics. This research aims to analyze the effectiveness of sharia monetary policy instruments in maintaining exchange rate stability, with a focus on the principles of justice, transparency and stability which are the basis of the Islamic economic system. Instruments such as sukuk, mudarabah contracts, and ijarah are analyzed from theoretical and empirical perspectives to measure their impact on exchange rate fluctuations. This study uses a qualitative approach with analysis of secondary data obtained from various economic reports, scientific journals and related statistical data. The research results show that sharia monetary policy has significant potential in mitigating exchange rate volatility through stable liquidity management and a system free from speculation. Consistent implementation of sharia principles can also increase market confidence in the domestic currency. Furthermore, this research finds that integration between sharia monetary policy and conventional approaches can create synergy in maintaining exchange rate stability. This collaboration allows the monetary authority to be more flexible in responding to global economic challenges without abandoning sharia principles. Apart from that, educating market players regarding the benefits of sharia monetary policy is considered important to expand the adoption of this instrument. This study concludes that the successful implementation of sharia monetary policy is highly dependent on the commitment of the government and regulators in providing a conducive ecosystem, including financial infrastructure, strengthening regulations, and integrated policy support. This research provides theoretical and practical contributions in the development of sharia-based monetary policy in countries with dual economic systems.

Islamic accounting is an accounting system rooted in Islamic principles, such as fairness, transparency, and social responsibility. This system aims to support ethical economic practices that align with Islamic values, including the prohibition of usury, gharar (uncertainty), and activities that conflict with sharia. This article examines the benefits of Islamic accounting in fostering the growth of the Islamic economy. First, Islamic accounting helps build trust among business stakeholders and the wider community by providing accurate and transparent financial information in line with sharia principles. Second, it promotes more responsible financial management, thereby reducing financial risks that do not comply with sharia. Third, Islamic accounting plays a role in developing Islamic financial instruments, such as sukuk, zakat, and waqf, which serve as sources of productive financing for the Islamic economic sector. Therefore, the effective application of Islamic accounting can stimulate sustainable growth in the Islamic economy, promote financial inclusion, and enhance global economic stability.

The development of the National Capital City (IKN) triggers an increase in demand for goods and services, especially in the construction and basic needs sectors, which can cause a spike in regional and national inflation. Monetary policy faces new challenges, including increasing interest rates and the risk of rupiah exchange rate volatility due to dependence on foreign debt financing. These projects also influence economic distribution, creating investment opportunities, but potentially increasing economic inequality. This research emphasizes the importance of coordination between monetary and fiscal policies to mitigate negative impacts on national economic stability.

This study examines the relationship between educational attainment, gender inequality in education, and their impact on unemployment rates and economic resilience across various regions. Gender inequality in education has long-term consequences on labor market outcomes and economic stability. In regions with higher gender inequality, the underutilization of female talent results in higher unemployment rates and weaker economic resilience. In contrast, regions with higher gender equality in education show improved labor market performance and a more resilient economy. The study utilizes cross-regional regression analysis, incorporating data on education levels, gender inequality indices, unemployment rates, and economic resilience metrics. The findings suggest that gender inequality in education plays a more significant role in shaping unemployment rates and economic resilience than traditional macroeconomic variables such as GDP and inflation. Furthermore, the results highlight the importance of improving access to education for underrepresented genders, particularly women, to foster more inclusive and sustainable economic growth. The study emphasizes the need for policies that promote gender equality in education as a means to enhance labor market outcomes and strengthen economic resilience. Limitations of the study include potential data constraints and regional variations in cultural, economic, and policy contexts, which may affect the generalizability of the findings. Future research could expand this study by exploring different regions and countries to gain a deeper understanding of the long-term effects of reducing gender inequality in education on economic outcomes.

This study aims to critically analyze how accounting policies implemented in insurance companies contribute to effective risk management and overall financial stability. As the business environment becomes increasingly complex and competitive, insurance firms must adopt robust accounting policies that not only facilitate accurate financial reporting but also enhance their ability to identify, assess, and manage various risks. By employing a mixed-methods approach that integrates both qualitative and quantitative data, this research will explore the intricate relationships between accounting policies, risk management strategies, and their subsequent impact on the financial performance of insurance companies. The study will first provide a theoretical framework that outlines the significance of sound accounting practices in the context of risk management. It will then delve into empirical analysis through case studies of selected insurance companies, assessing how their accounting policies influence risk assessment and mitigation processes. Data will be collected via surveys and interviews with key stakeholders, including financial managers, risk officers, and auditors, to gather insights on the effectiveness of these policies in practice. Furthermore, this research will evaluate the correlation between specific accounting practices and key performance indicators, such as profitability, solvency, and liquidity ratios. By identifying best practices and potential areas for improvement, the study aims to offer practical recommendations that can enhance the alignment between accounting policies and risk management efforts. Ultimately, this research seeks to contribute to the existing literature on accounting and risk management in the insurance sector, providing valuable insights that can inform policy formulation and strategic decision-making within the industry. Through this comprehensive evaluation, the study aspires to foster a deeper understanding of how effective accounting policies can serve as a foundation for robust risk management frameworks, thereby promoting long-term financial stability in insurance companies.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

This study aims to determine the effect of monetary policy on economic growth. This study uses the Vector Autoregression method by completing the assumption test and estimation on the research variables of inflation, investment, credit, interest rates and gross regional domestic product. Time series research data from 2003-2022 sourced from the Central Bureau of Statistics of North Sumatra (BPS) SUMUT with the results obtained are inflation and interest rates give the results that inflation is influenced by investment and credit, until investment affects gross regional domestic product. Then credit also affects inflation and interest rates and gross regional domestic product is influenced by investment and credit. Thus, in determining policies that encourage economic growth the government must consider a more coordinated monetary policy strategy to deal with the dynamics of strengthening interest rates, controlling inflation, can be measures that support economic stability.

Financial conglomerates are considered to have a significant role in a country’s economy. A well-developed financial conglomerate will bring economy’s positive growth. However, when one collapses, systemic risk cannot be avoided to the financial system. The study conducts a comparative analysis of financial conglomerates/financial holding companies policies in six countries: Indonesia, South Korea, Taiwan, Malaysia, Singapore, and Australia. Furthermore, the research examines the literature review method of financial conglomerates criteria, structure, synergy, intragroup transactions, and data protection. In general, the requirements of financial conglomerates within research sample countries align with the Joint Forum. Indonesia is still developing the financial conglomerate’s minimum assets and members. Singapore is more concerned with a portion of assets, capital, liabilities, or income, while Taiwan regulates the total assets and paid-in capital. Malaysia regulates strictly with specific minimum ownership, while Australia focuses more on transaction materiality. The synergy among members of financial conglomerates may improve efficiency—however, the intragroup transactions raise systemic risk. Consumer data protection should be considered when financial conglomerates conduct cross-selling. From this study, policymakers should enhance their policies so that financial conglomerates take more advantage of generating the country’s economy while managing challenges to the financial system’s stability.

This article discusses creative economic empowerment efforts through bouquet-making training in Montongsari Village. The main focus of this study is to evaluate the impact of the training on improving the skills and income of the village community. Creative economic empowerment can develop the community's skills and resources needed to create income and manage their own businesses. It aims to reduce dependence on external assistance and increase economic stability. This research uses a Participatory Action Research (PAR) approach to evaluate the butterfly bouquet-making training that was conducted on July 12, 2024 in Montongsari Village. The training involved PKK mothers from various hamlets and aimed to increase the creative economic empowerment of the community. By using simple materials and involving participants in every stage of making, the training succeeded in improving their practical skills as well as their creativity. The results showed that participants were able to make high-quality bouquets and felt more confident to explore new business opportunities. The program also contributed to local economic development and supported Montongsari Village as a tourist village. This training proved the effectiveness of PAR in empowering communities in a practical and participatory manner

This article discusses creative economic empowerment efforts through bouquet-making training in Montongsari Village. The main focus of this study is to evaluate the impact of the training on improving the skills and income of the village community. Creative economic empowerment can develop the community's skills and resources needed to create income and manage their own businesses. It aims to reduce dependence on external assistance and increase economic stability. This research uses a Participatory Action Research (PAR) approach to evaluate the butterfly bouquet-making training that was conducted on July 12, 2024 in Montongsari Village. The training involved PKK mothers from various hamlets and aimed to increase the creative economic empowerment of the community. By using simple materials and involving participants in every stage of making, the training succeeded in improving their practical skills as well as their creativity. The results showed that participants were able to make high-quality bouquets and felt more confident to explore new business opportunities. The program also contributed to local economic development and supported Montongsari Village as a tourist village. This training proved the effectiveness of PAR in empowering communities in a practical and participatory manner