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Development financing systems in various developing countries, including Indonesia, have been tested by repeated global crises, such as the 2008 financial crisis, the COVID-19 pandemic, and geopolitical tensions since 2020. The economy is highly dependent on external funding, such as foreign loans and foreign direct investment (FDI), making it vulnerable to disruptions and uncertainty in capital flows. This article examines the strategic role of domestic savings as a stabilizer in maintaining the resilience of development financing using a desk study approach. The literature review shows that mobilizing domestic savings through conventional and Islamic financial institutions is crucial for encouraging long-term investment, reducing dependence on external financing, and strengthening national fiscal independence. In the Islamic economy, the rise of yield-based savings instruments, productive waqf, and retail sukuk has helped expand a stable and equitable domestic funding base. Furthermore, this article finds that digital transformation, fiscal incentive policies, and financial literacy are key to increasing public participation in productive savings. Therefore, increasing domestic savings is an economic tool and a national defense strategy in facing ongoing global crises.

The Sea Certificate (Surat Laut/SL) is a crucial maritime legal document, serving as proof of a ship's nationality and its seaworthiness status for sailing, making it a mandatory requirement in every clearance in and clearance out process. This research aims to comprehensively identify and analyze the procedure for the endorsement (validation) extension of the Sea Certificate for the MV. Eastern Fair, carried out by PT. Multi Jaya Samudera as the ship agent in Belawan. The research method utilized is field research, conducted through land practice (PRADA), interviews, and documentation study. The findings indicate that the endorsement extension procedure is executed through a strict series of stages, starting from the preparation of the ship's technical documents to the official submission to relevant agencies such as the Harbor Master (Syahbandar) and the Transportation Agency Office. The ship agent plays a vital role as the liaison and executor, responsible for ensuring the completeness and validity of all administrative requirements within the specified timeframe. Although the procedure is standardized, common constraints include delays from related parties, both in physical inspection and administrative completion at government institutions, which can potentially disrupt the vessel’s sailing schedule. This study concludes that rigorous supervision and effective coordination among the agent, ship owner, and port authorities are key to maintaining regulatory compliance and the operational smooth running of the MV. Eastern Fair.

This study analyzes the role of women in sustaining social harmony and strengthening multicultural education within the multiethnic society of Singkawang through a critical literature review approach. By integrating the Feminist Peace Theory and Multicultural Education Theory, this research examines both national and international scholarly works that explore women’s contributions to peacebuilding and multicultural education in Southeast Asia. The review reveals that women serve as cultural mediators, peace educators, and social innovators through interethnic and interfaith engagements such as cultural festivals, interreligious forums, and community-based initiatives. Despite notable progress in promoting multicultural education in Singkawang, gender perspectives remain insufficiently integrated into educational practices. Through a synthesis of the reviewed literature, this study proposes a conceptual framework of Gendered Multicultural Peace Education (GMPE), comprising three interrelated dimensions: women’s empowerment in educational and social leadership, empathy-based interethnic learning, and the integration of gender equality into curricula and school culture. The model underscores the strategic role of women as transformative agents and peace educators in multiethnic societies. The findings provide significant implications for the development of gender-sensitive and inclusive educational policies in Indonesia

This material provides an in-depth overview of the fundamental distinctions between Islamic banks and conventional banks, covering their underlying principles, contract types, operational mechanisms, legal frameworks, and organizational structures. Islamic banks operate based on Islamic values derived from the Qur’an, Hadith, and the rulings of the National Sharia Council (DSN-MUI), emphasizing strict prohibitions on riba, gharar, and maysir. Contracts such as wadiah, mudharabah, musyarakah, murabahah, ijarah, salam, and istishna’ are applied to promote fairness and profit-sharing. In contrast, conventional banks rely on positive law and interest-based systems as their primary source of income. Legally, Islamic banks are supervised by the Sharia Supervisory Board (DPS) to ensure compliance with sharia principles, while conventional banks adhere solely to general financial regulations set by authorities like the Financial Services Authority (OJK) and Bank Indonesia. The operations of Islamic banks include fund mobilization, financing, and financial services without the use of interest, whereas conventional banks earn revenue from the interest spread between deposits and loans. Although both bank types share a similar organizational structure, Islamic banks incorporate an additional layer of sharia oversight. Overall, Islamic banks aim to balance profitability with ethical and spiritual values (falah), while conventional banks primarily focus on maximizing financial returns. This material highlights Islamic banking as an ethical alternative within modern financial practices, promoting justice, sustainability, and broader economic well-being.

This systematic literature review examines the relationship between learning styles and learning media in optimizing 21st-century skills among Diploma Three (D3) vocational students. Through systematic analysis of 74 relevant national and international journal articles published between 2018 and 2024 from Scopus database, this study reveals that the alignment between learning styles (visual, auditory, kinesthetic) and learning media significantly influences the development of critical thinking, creativity, communication, and collaboration skills. Technology-based media such as interactive videos, learning management systems (LMS), and virtual simulations effectively accommodate diverse learning preferences while enhancing students' motivation and engagement in the learning process. The findings indicate that e-modules integrating problem-based learning (PBL) demonstrate effectiveness rates of 65-85% in improving critical thinking skills. This research concludes that the integration of learning styles with digital-based learning media serves as an effective strategy to produce competent and adaptive vocational graduates who are well-prepared to face the challenges of Industry 4.0 and Society 5.0.

This study aims to synthesize the relationship between learning styles and instructional media in optimizing 21st-century skills among Diploma Three (D3) vocational students. The research employed a simple literature review method by analyzing 20 national and international journal articles published between 2018 and 2024. The results reveal that the alignment between learning styles (visual, auditory, kinesthetic) and the types of instructional media significantly influences the development of critical thinking, creativity, communication, and collaboration skills. Technology-based media, such as interactive videos, learning management systems (LMS), and virtual simulations, effectively accommodate diverse learning preferences while enhancing students’ motivation and engagement. Furthermore, integrating such media not only supports individual learning needs but also fosters a more dynamic and inclusive educational environment. The study concludes that integrating learning styles with digital-based media serves as an effective strategy to produce competent and adaptive vocational graduates who are well-prepared to face the challenges of Industry 4.0 and Society 5.0.

The downstreaming of natural resources has emerged as a strategic policy implemented by the Coordinating Ministry for Economic Affairs to strengthen Indonesia’s economic independence and reduce reliance on raw commodity exports. Grounded in the philosophical foundation of Pancasila, this policy emphasizes the principles of economic equality, national sovereignty, and sustainability, in line with the overarching goals of national development. This study aims to analyze the role of industrial downstreaming policies in enhancing national economic self-reliance through the integration of Pancasila values. Substantively, downstreaming increases value-added production, boosts domestic investment, and facilitates job creation, particularly in the mineral processing and agro-industrial sectors. Moreover, the policy contributes to reducing economic vulnerability to global market fluctuations and aligns with the Pancasila principles of social justice and collective welfare. However, several challenges remain, including infrastructure readiness, environmental sustainability, and inclusive participation of small and medium enterprises (SMEs). The research indicates that the industrial downstream sector, as regulated by the Coordinating Ministry for Economic Affairs, plays a crucial role in realizing national economic autonomy, requiring its implementation to be aligned with Pancasila principles in order to balance economic progress with equity and sustainability.

Background: Maternal Mortality Rate (MMR) in Indonesia remains a significant health challenge, with the majority of deaths related to preventable pregnancy complications. Empowering pregnant women through increased knowledge and skills in early detection is a key strategy to encourage timely care seeking. Objective: To review and analyze policies and implementation of programs empowering pregnant women in early detection of complications in Indonesia over the past five years (2020–2025), including policy frameworks, implementation models, research findings related to impacts and barriers, and policy recommendations. Methods: A scoping review using the Population-Concept-Context (PCC) approach was conducted. The literature search included scientific publications, national policy documents, and program reports published between 2020–2025. Relevant works included quasi-experimental studies, program reports, and policy documents. Main results: Maternal empowerment programs are driven by national policies to improve maternal health literacy and reduce MMR. Implementation is often integrated into Pregnant Women's Classes (KIH) or through digital media. Educational interventions have shown significant improvements in maternal knowledge of danger signs, but challenges include the low quality and availability of educational materials, as well as issues with outreach to mothers in remote areas. Conclusion: Empowering pregnant women in early detection is an important policy initiative to reduce maternal mortality. However, standardization of the curriculum, strengthening the role of cadres, and increased digital support are needed to ensure equitable reach and effectiveness.

This study discusses Ahmad Muhammad Mustain Nasoha’s perspective on Human Rights (HAM) and the Democratic Rule of Law, emphasizing the relationship between national law and Islamic law in ensuring human dignity and justice. Using a qualitative method and literature study approach, this research analyzes the interaction between citizenship, human rights, and democracy within Indonesia’s legal framework. The study reveals that both national and Islamic law aim to protect individual rights and maintain justice, though they differ in philosophical foundations and application. National law defines citizenship and human rights through constitutional and legal frameworks, while Islamic law bases them on divine principles emphasizing moral and social responsibility. The integration of these two legal systems is essential to realize a democratic state that upholds human values, social justice, and equality. The study concludes that harmonizing Islamic law with Indonesia’s national law strengthens the implementation of human rights and supports the development of a just and democratic legal state.

as a process of managing all components of education so that they run in a directed, orderly, and coordinated manner. However, what often occurs in the field, educational administration does not always run in accordance with the principles of efficiency, justice, and transparency. Several forms of damage or problems often arise due to weak management, a lack of understanding of the philosophical values ​​​​of education, and low integrity in the management of educational institutions, which also have a direct impact on the decline in the quality of education and the failure to achieve national education goals. Philosophy plays a major role in educational administration, serving as a foundation for thought, ethical guidelines, and determinants of direction at every stage of educational management. Philosophy helps educational managers to think rationally, critically, and reflectively in facing various problems, so that decisions taken are not merely technical, but also based on considerations of values ​​​​and justice. This study aims to understand the relationship between philosophical administration values ​​​and educational practices in the context of decision-making. This study uses a qualitative approach, where data collection is carried out through a literature review derived from scientific articles relevant to the research topic. The study has shown that philosophical values ​​play a significant role in shaping ethical principles in educational administration. The conclusion that can be given is that the integration between philosophy and educational administration can strengthen the moral basis and direction of the goals of educational institutions.

The declining interest of students in joining organizations poses a challenge in character development and strengthening Pancasila values in higher education institutions. This study aims to investigate the causes of low student involvement in student organizations and to design strategies for strengthening the implementation of Pancasila values through organizational activities. A qualitative method is applied in this research through in-depth interviews with administrators, active members, and students with organizational experience. The data is then analyzed based on Albert Bandura's Social Learning Theory to understand the social learning process as a shaper of student behavior. The research findings reveal that the low interest in organizing is caused by several factors, namely lack of institutional support, limited facilities, and minimal recognition for active students. Nevertheless, the role of student organizations is crucial in fostering discipline, a sense of responsibility, cooperation, and the spirit of deliberation that reflects Pancasila values. Strengthening efforts can be carried out through improved institutional development, providing awards to active students, and implementing organizational programs based on national values and Pancasila character.

This article discusses the importance of learning evaluation, particularly in the affective domain, which not only functions as a measurement of learning outcomes but also makes a significant contribution to Guidance and Counseling (GC) services in schools. The affective domain, which encompasses students’ attitudes, values, motivation, and character, plays a major role in shaping their social and personal behavior. This study employs a literature review method by examining articles, journals, and national conference proceedings published between 2016–2025 that are relevant to affective evaluation and its implications for GC services. The findings show that affective evaluation can provide objective data regarding the development of students’ attitudes, which is highly useful for school counselors in designing appropriate counseling programs. In addition, the development of valid and reliable assessment instruments, along with the use of digital technology, has been proven to improve the effectiveness of evaluation while also supporting more accurate diagnoses of students’ problems. Therefore, collaboration between subject teachers and school counselors is key to optimizing the use of evaluation results in supporting students’ comprehensive development.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting the national economy but often face challenges in reaching broader markets in the digital era. This report focuses on the digital marketing strategies implemented by D'Kitchen, a culinary MSME that relies on social media and e-commerce platforms to enhance competitiveness. Actions taken include the implementation of various digital tools, such as Instagram, marketplaces, and e-payment systems, to measure their effectiveness in increasing visibility, market reach, and customer loyalty. The results of this report show that the application of digital marketing strategies successfully boosts consumer engagement and expands the market, although further optimization is still needed to sustain long-term growth. This report provides practical recommendations for MSMEs in leveraging digital technology to face increasingly competitive markets.

The management of educational institutions has a strategic role in determining the direction of growth and sustainability of the institution. The success of this management is highly dependent on the administrator's ability to analyze the external environment, understand the position of competitors, optimize internal potential, and formulate superior strategies that are able to maintain competitiveness without ignoring the fundamental values ​​of education. In this context, the application of marketing management becomes an important need. This study aims to analyze marketing management in increasing public trust in the Darul Hikmah Islamic Boarding School in Tulungagung. This study uses a qualitative phenomenological approach with data collection techniques through interviews, observations, and documentation. Data analysis is carried out through data condensation, data presentation, and drawing conclusion/verification. The results of the study indicate that the marketing strategy of the Darul Hikmah Islamic Boarding School in Tulungagung in building public trust is implemented through four main elements: (1) Product – offering quality educational services with character strengthening, implementing the curriculum of the Ministry of National Education, Ministry of Religious Affairs, local content, and superior extracurricular programs; (2) Price – affordable registration and administration fees and adjusted to the economic conditions of the community; (3) Place – the location of the Islamic boarding school is strategic, easy to reach, and has a conducive learning environment; and (4) Promotion – conducted through visits to elementary schools, installation of promotional media (billboards, banners, brochures), publication of extracurricular achievements, and utilization of social media such as Facebook, Instagram, YouTube, and the Islamic boarding school's official website.

Civil relations are not limited to the national sphere, but can also transcend national borders. These relations have existed since ancient Greece and continue to develop today. These transnational relations can give rise to legal issues, such as whether the relationship truly falls within the scope of international relations, the laws that apply to the relationship, and how disputes are resolved using which legal system. The purpose of this study is to analyze the Garuda vs. Rolls Royce case, which is part of international civil relations, raising the question of how this case can be included in the scope of international civil law studies and how one of the international conventions governing transnational civil law principles, namely UNIDROIT, can be applied. This study uses a normative approach that compares national and transnational legal systems to provide perspective on the case and a case approach that clearly explains the Garuda vs. Rolls Royce case, starting from the chronology and analyzing the case from the perspective of international civil law principles The results of this study found that this case falls under the scope of international civil law, where international civil law principles such as UNIDROIT can be applied in order to make progressive legal changes in regulating international civil relations to ensure legal protection and certainty for legal subjects. The implications of this research can be a catalyst for progressive legal changes in regulating international civil relations to ensure legal protection and certainty for legal subjects.

This study is driven by the pressing necessity for educational institutions to possess skilled and high quality workforce  to ensure educational achievement. Human resource administration plays a strategic role in enhancing individual contributions toward achieving academic objectives. The quality of school HR is a crucial factor in determining both educational standards and outcomes. The purpose of this research is to explore how personnel administration contributes to the creation of superior HR within schools. A Systematic Literature Review (SLR) approach was employed, analyzing 30 articles accredited at the national level sourced from Google Scholar. The systematic literature review  method was selected since it provides a thorough understanding and integrates findings from a range of pertinent studies, leading toward more credible and dependable conclusions. The findings indicate that HR administration is a key element in developing excellent educational staff through several mechanisms, including administrative oversight, educator hiring and screening, capacity building, and work performance assessment, well being and equitable remuneration and institutional culture building, and dispute resolution. These interrelated elements collectively contribute to forming superior HR, consequently enhances the general standard of education. This study provides a significant contribution to understanding the pivotal role of HR management within educational settings and presents effective approaches that schools can implement to strengthen the standard of their educational staff.

Micro, Small, and Medium Enterprises (MSMEs) are a major pillar of the national economy, but Rengginang MSMEs in Dolok Kahean Village face challenges adapting to the digital era, characterized by limited market reach through traditional methods and minimal product exposure due to not utilizing digital media. In fact, a digital presence is crucial for achieving positive benefits such as higher income. The main objective of this community service is to provide intensive assistance in implementing digital marketing strategies for Rengginang MSMEs. The implementation method is based on the principle of Participation with a Participatory Action Research (PAR) approach. Concrete actions include intensive Capacity Building Training on digital marketing fundamentals, branding strategies, and product photography techniques, followed by direct assistance in creating and managing social media accounts. The results of the community service demonstrate the successful transformation of Rengginang MSMEs into digitally literate MSMEs. Key achievements include increasing partner digital capacity, activating new digital marketing channels, and strengthening product visual branding. Evaluation through FGDs confirms that this implementation triggers a significant expansion of market reach beyond village boundaries and increased consumer awareness. The conclusion confirms that intensive mentoring is a vital strategy to bridge the digital divide at the village level, thereby effectively supporting the development of the local creative economy and accelerating economic growth.

Indonesia’s diversity in ethnicity, culture, religion, and language demands an approach that can simultaneously address intellectual, spiritual, and national dimensions. The integration of philosophy, Pancasila, and theology becomes essential in responding to this complex reality. Philosophy strengthens critical and reflective thinking, helping individuals interpret differences with awareness and avoid hasty judgments, which is crucial in reducing social tension and fostering dialogue. Pancasila, as the nation’s ideological foundation, provides an ethical-political framework that guarantees unity, freedom, and justice for all citizens regardless of background. Theology complements these foundations by offering transcendental ethics and spiritual guidance that shape compassionate attitudes toward others and the environment. A contextual and inclusive theological perspective supports religion’s role as a source of enlightenment and encourages interfaith solidarity in a pluralistic society. When these three elements are integrated into education, public policy, and social culture, they help form a society that is intellectually critical, socially inclusive, and spiritually resilient. Core values such as empathy, justice, equality, and shared responsibility can develop more strongly in daily interactions. Although challenges such as identity crises, misinformation, and online intolerance remain, collaboration between the state and civil society is needed to maintain an inclusive public sphere. Through strengthening philosophical education, deepening appreciation of Pancasila, and advancing contextual theology, Indonesia can build a just and harmonious society.

This study examines the challenges and solutions in bureaucratic transformation towards digitalization in government institutions, with a focus on the administrative services for issuing Certificates of Existence of Mass Organizations/NGOs by the National Unity and Politics Agency (Kesbangpol). The main obstacles identified include data fragmentation, outdated regulations, rigid organizational structures, and resistance to change. Limited human resource competency and political instability also hamper the implementation of reforms. To address these challenges, it is crucial to develop a comprehensive reform roadmap, simplify regulations, and strengthen data integration. Cybersecurity infrastructure development, organizational restructuring, and human resource capacity building through digital training are essential. Furthermore, strong political commitment is crucial to ensure the sustainability of reforms. Interviews indicate that service quality, verification standards, and speed of service influence public trust and satisfaction. Successful bureaucratic reform requires a combination of technological, regulatory, organizational, and cultural strategies to create modern and responsive public services.

This explanatory research aims to know the effect of self acceptance and emotional regulation to predict psychological well being cancer patient and to find which one is more effective to predict psychological well being cancer patients. The sampling technique used in this research was convenience sampling technique. Subjects in this research is 100 cancer patient at Dr Cipto Mangunkusumo National Central Public Hospital Jakarta. Data collection was carried out through questionnaires, interviews and observation. Self report technique is used in collecting instrumen data. The data analysis technique used is multiple linear regression analysis processed using Statistical Package for the Social Sciences (SPSS) software. The result shows that there is an influence between self acceptance and emotional regulation  in predicting psychological well being where the score of p value F test is 0,000 (p<0,05) and it is found that self acceptance  is more effective in predicting psychological well being compare with emotional regulation  Based on the research results, the findings are as follows: (1) collectively or simultaneously self acceptance and emotional regulation has a positive and significant effect on psychological well being, (2) partially self acceptance has a positive and significant effect on psychological well being; (3) partially emotional regulation has a positive and significant effect on psychological well being.