Publication Search

This study aims to examine the legal foundation and operational principles of Islamic banking in Indonesia. The background of this research stems from the necessity of a comprehensive understanding of the legitimacy and Sharia-based principles that underpin banking activities within the Islamic financial system. This research uses a literature review method by analyzing legal documents such as Law Number 21 of 2008 and fatwas issued by the National Sharia Council of MUI, along with other academic references. The findings indicate that Islamic banking in Indonesia is built upon a strong legal framework and clear Sharia principles, such as the prohibition of usury (riba), justice, and transparency. However, there are still challenges in the practical implementation of these principles, particularly in terms of public understanding and consistent interpretation. This research is expected to serve as an initial reference for strengthening legal literacy and Sharia principles in banking, and to support the development of a more inclusive Islamic financial system.

The main issue in implementing enterprise architecture (EA) for housekeeping services at PT Trisarana Aditama Mitra is the operational and technological risks that may hinder the success of digital transformation. This research utilizes the TOGAF framework as a systematic approach to identify, assess, and manage risks during EA development and deployment. The results indicate that applying TOGAF can mitigate risks related to human resources, technology systems, and business processes, thereby improving the efficiency and quality of housekeeping services.     

Competition within Indonesia's banking landscape, specifically at BSI KCP Purwokerto Karangkobar, necessitates flexible strategies to stay relevant. This research assesses how the utilization of SERVO (Strategy, Environment, Resources, Value, Organization) analysis impacts the performance of the firm. Employing qualitative descriptive techniques, information was gathered through comprehensive interviews, observations, and document reviews. Results reveal that strategies focusing on digital advancement, community engagement, and operational effectiveness are vital components. Cooperation among departments, particularly between gold services and microfinance, fosters social bonds and enhances transparency. The teller and security teams uphold service excellence through the consistent application of Standard Operating Procedures. The SERVO framework has shown to be effective in merging digital advancements with sharia principles within company operations, which enhances customer satisfaction and boosts competitiveness. Proactive modifications in response to evolving customer demands are essential for enhancing institutional effectiveness.

Digital transformation has become a major force in driving innovation in the Micro, Small and Medium Enterprises (MSMEs) sector in Indonesia. This research examines the role of technology platforms as a key driver in facing challenges and capitalizing on opportunities in the digital economy era. Through a descriptive qualitative approach, this study analyzes how MSMEs adopt digital platforms such as e-commerce, digital payments, and cloud-based technology to improve operational efficiency, expand market reach, and drive sustainable business growth. The results show that the utilization of technology platforms not only accelerates innovation in products and services, but also increases the competitiveness of MSMEs in the global market. However, technology adoption still faces obstacles such as limited digital literacy, infrastructure, and access to financing. Therefore, support from various parties, including the government, private sector, and educational institutions, is needed to create an inclusive and sustainable digital ecosystem for MSMEs in Indonesia.

This study examines the application of big data analytics on Bhinneka.com, a leading e-commerce platform in Indonesia, to tackle the increasing in complexity of online user behavior in a swiftly changing digital environment. The primary issue is too challenges in evaluating extensive, unstructured, and heterogeneous user data, which obstructs personalization, marketing efficacy, and operational decision-making. The study seeks to assess the efficacy of big data instruments, specifically Artificial Intelligence Recommendation (AIRec) and Customer Data Platform (CDP), in improving user behavior forecasting. Service customization, and data-informed strategies. This study utilizes a qualitative case study methodology, including literature review and platform observation, to synthesis the many forms of big data analytics (descriptive, diagnostic, predictive, and prescriptive) and their implementation at Bhinneka.com. Significant findings indicate that the integration of AIRec and CDP has augmented the platform’s capacity to predict consumer preferences, improve marketing accuracy, and optimize logistics. However, obstacles stay the same, such as disjointed data systems, data quality concerns, and internal opposition to embracing a data-driven culture. The study suggests that although big data analytics substantially enhances Bhinneka.com’s digital competitiveness, ongoing investment in data infrastructure and organizational competence is crucial to fully harness its potential and preserve a competitive advantage in Indonesia’s e-commerce market.

Penelitian ini bertujuan untuk mengetahui dan menganalisis penilaian rasio profitabilitas pada kinerja keuangan PT Unilever Indonesia Tbk selama periode 2021 hingga 2023. Metode penelitian yang digunakan adalah kuantitatif deskriptif dengan menggunakan data sekunder yang diperoleh dari Bursa Efek Indonesia yaitu laporan keuangan tahunan PT Unilever Indonesia Tbk. Analisis dilakukan dengan menggunakan rasio profitabilitas seperti Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), Return on Equity (ROE), dan dan Earning per Share of Common Stock (EPS). Hasil penelitian menunjukkan bahwa GPM perusahaan konsisten di atas standar industri dan mencerminkan efisiensi produksi yang baik. Namun, NPM dan ROA menunjukkan tren penurunan dan berada di bawah standar industri, menunjukkan adanya tekanan pada laba bersih dan efisiensi penggunaa aset. ROE mengalami peningkatan signifikan yang berada di atas standar industri, menandakan efektivitas pengelolaan modal sendiri. Sementara itu, EPS mengalami penurunan sejalan dengan penurunan laba bersih. Secara keseluruhan, PT Unilever Indonesia Tbk menunjukkan kekuatan dalam efisiensi produksi dan pengelolaan ekuitas, namun menghadapi tantangan dalam mempertahankan laba bersih dan efektivitas aset. Penelitian ini merekomendasikan efisiensi biaya operasional, optimalisasi penggunaan aset, serta strategi penguatan ekuitas untuk memperbaiki kinerja keuangan di masa depan. This study aims to determine and analyze the assessment of profitability ratios on the financial performance of PT Unilever Indonesia Tbk during the period 2021 to 2023. The research method used is quantitative descriptive using secondary data obtained from the Indonesia Stock Exchange, namely the annual financial report of PT Unilever Indonesia Tbk. The analysis was carried out using profitability ratios such as Gross Profit Margin (GPM), Net Profit Margin (NPM), Return on Assets (ROA), Return on Equity (ROE), and Earning per Share of Common Stock (EPS). The results of the study show that the company's GPM is consistently above the industry standard and reflects good production efficiency. However, NPM and ROA show a downward trend and are below the industry standard, indicating pressure on net profit and asset use efficiency. ROE has increased significantly above the industry standard, indicating the effectiveness of equity management. Meanwhile, EPS has decreased in line with the decline in net profit. Overall, PT Unilever Indonesia Tbk shows strength in production efficiency and equity management, but faces challenges in maintaining net profit and asset effectiveness. This study recommends operational cost efficiency, optimization of asset utilization, and equity strengthening strategies to improve financial performance in the future.

One of the leading factors contributing to neonatal mortality is low birth weight (LBW), which is often associated with maternal conditions such as Chronic Energy Deficiency (CED). Cases of CED remain relatively common in the operational area of Puskesmas Turi. In 2022, East Java reported an LBW prevalence of 3.96%, which is 0.66% higher than the national average. The coverage of antenatal care (ANC) visits shows a declining trend: 100.8% for the first visit (K1), 94% for the fourth visit (K4), and only 83.1% for the sixth visit (K6), indicating irregular adherence to ANC schedules among pregnant women.This study aims to evaluate the relationship between infant birth weight and maternal weight gain during pregnancy, as well as the level of ANC compliance in the Puskesmas Turi area. The study design employed a cross-sectional approach with a multistage random sampling technique involving 84 mothers. Data were collected through direct interviews and documentation from the maternal and child health (KIA) book. Data analysis was conducted using the chi-square test and Fisher exact test. The results revealed a significant association between maternal weight gain and infant birth weight (p = 0.000), as well as between ANC compliance and infant birth weight (p = 0.002). The role of health cadres is crucial in improving ANC adherence and the nutritional status of pregnant women.

Village financial management is one of the key indicators in realizing effective village governance. However, in many villages, including Sidoan Timur Village, Sidoan District, Parigi Moutong Regency, Central Sulawesi, the practice of financial transparency and accountability still faces various obstacles. This study aims to assess the application of the principles of transparency and accountability in the financial management of Sidoan Timur Village, Sidoan District, Parigi Moutong Regency, Central Sulawesi, by referring to the perspective of village governance. The approach used is a qualitative method through case studies. Data were obtained through in-depth interviews, participatory observations, and review of official village documentation. Data analysis was carried out with the stages of data reduction, data presentation, and inductive conclusion drawing. The research findings reveal that village financial management has not fully implemented the principle of transparency, because financial information is not routinely published and administrative accountability is still formal, without active involvement from the community. In addition, the implementation of financial governance regulations has not been consistent at the operational level. In conclusion, the practice of transparency and accountability in Sidoan Timur Village needs to be strengthened by increasing the capacity of village officials, optimizing public information media, and empowering community participation. Further research is suggested to examine the comparison between several villages with a quantitative approach in order to obtain a broader picture of village financial management from a governance perspective.  

This research uses a qualitative method to explore the integration of Artificial Intelligence (AI) in marketing tactics and its impact on the development of marketing skills among the new generation. The main focus is on the use of AI in analyzing consumer behavior, content personalization, campaign automation, and data-driven decision-making. The findings reveal that AI not only enhances operational efficiency but also drives a transformation in the skill sets required by modern marketers, such as data analysis capabilities, technological literacy, and adaptability to intelligent systems. Through in-depth interviews with marketing practitioners and digital document analysis, it was discovered that the new generation of marketers is required to develop more complex digital competencies and engage in multidisciplinary collaboration. Furthermore, adaptation to technological change becomes a key factor in the success of AI-based marketing strategies. The integration of artificial intelligence in marketing practices not only reshapes work patterns but also creates new demands for continuous training and marketing education. Therefore, this research emphasizes the importance of collaboration between educational institutions, industry, and technology developers to create a competitive AI-based marketing ecosystem.

This research uses a descriptive qualitative method with a case study approach to analyze the influence of soft skills and digital marketing skills on the performance of MSMEs in the creative economy era. Theories used in this research include competency theory and organizational performance theory. This study focuses on understanding how interpersonal abilities (soft skills), such as communication, creativity, and leadership, along with digital skills such as the use of social media, e-commerce, and digital branding, can enhance the competitiveness and productivity of MSMEs. The results show that MSME actors with strong soft skills are able to build strong customer relationships and create added value in their products, while digital skills support operational efficiency and broader market reach. The integration of these two skill sets significantly contributes to the improvement of MSME performance, particularly in terms of sales, customer satisfaction, and business growth. Therefore, the development of soft skills and digital skills is a crucial strategy to support the sustainability of MSMEs amid the increasingly dynamic competition in the creative economy.

With increasing global competition and rapid technological advancements, sharia businesses face the challenge of achieving sustainability while maintaining a competitive advantage in accordance with Islamic principles. This study aims to examine how the application of strategic management in sharia businesses can support sustainability and market differentiation based on ethical values. The research method used in this study is a literature review, analyzing various academic sources related to business strategy, sustainability, and Islamic economic principles. The findings indicate that effective strategic management, when properly implemented through the processes of formulation, execution, and evaluation, can help business practitioners adapt to changes in both the internal and external environments. In sharia businesses, strategies should be rooted in values such as honesty, trustworthiness, and social responsibility. These values not only serve as moral guidelines but can also enhance customer loyalty and provide a competitive edge. Furthermore, the adoption of digital technology and promotional strategies aligned with Islamic values has been shown to broaden market reach and improve operational efficiency. SWOT analysis is also employed as a tool to inform relevant and strategic decision-making. Therefore, the application of strategic management in accordance with Islamic values can effectively create businesses that are not only competitive but also sustainable and beneficial to society.

A standard agreement is a form of standard contract that is drawn up unilaterally by business actors, without providing flexibility for consumers to negotiate the content of the clauses contained therein. This characteristic creates an imbalance in the legal position between business actors and consumers, which in practice is often used to include exculpation clauses or unilateral clauses that are substantively detrimental to consumers. In the context of Indonesian law, this form of contract has become a common practice in various sectors, ranging from financial services to electronic transactions, so the urgency of legal protection for consumers has become increasingly significant. This research aims to analyze and evaluate the form of legal protection for consumers in standard agreements, based on the provisions of Law Number 8 of 1999 concerning Consumer Protection and related legal instruments, including implementing regulations and relevant jurisprudence. The research approach used is normative juridistic, with data collection methods through literature studies, normative analysis of laws and regulations, and an examination of several concrete case studies that illustrate imbalances in the legal relationship between consumers and business actors. The results of the study revealed that although normative legal protection has been regulated quite firmly, especially in the provisions regarding the prohibition of the inclusion of clauses that are detrimental or misleading to consumers, various structural and cultural obstacles are still found in its implementation. These obstacles include weak supervision mechanisms for business actors, limited consumer access to legal understanding, and suboptimal role of consumer dispute resolution institutions. Thus, it is necessary to strengthen regulations through more operational legal instruments, increase the capacity of supervisory institutions, and mainstream consumer legal literacy as a long-term strategy in realizing a fair, effective, and sustainable consumer protection system.

Occupational Health and Safety (K3) is an effort to provide safety guarantees and improve the health status of workers/laborers by preventing work-related accidents and diseases, controlling  workplace hazards,  health  promotion, treatment and  rehabilitation. Occupational Health and Safety efforts include workforce, work methods/methods, work tools, work processes and work environment. In the PTM room at the West Baktiya Health Center, the space is quite narrow due to the large number of patients visiting, so there is untidiness in the room even though the AC and windows are used. However, having 2 tables in the room makes the room increasingly narrow and difficult to work comfortably. This research aims to find out an overview of the implementation of Occupational Safety and Health in the PTM room. This research is a qualitative descriptive research with a case study design. The subjects of this research were 3 officers in the PTM room. The object of this research is the implementation of K3 and PTM rooms at the West Baktiya Community Health Center. Data was collected by participant observation and semi-structured interviews with informants. The risk factors for the PTM room at the West Baktiya Health Center, seen from occupational safety and health factors, are that it is quite clean, no animals were found that cause disease transmission such as cockroaches, rats and others. There are no occupational safety and health signs and standard operational procedures related to occupational safety and health, while fire prevention in the PTM room at the West Baktiya Public Health Center and the West Baktiya Community Health Center itself is quite good with APAR. There needs to be signs regarding occupational safety and health and SOPs regarding occupational safety and health, especially in the PTM room.

This study aims to analyze the degree of employee compliance with the Standard Operating Procedures (SOP) at PT XYZ, especially in the implementation of working hours. The background of this study was based on the findings of a discrepancy between practices in the field and the company's SOP provisions, such as delays in employees entering work and unscheduled return. This study used a descriptive qualitative method with a case study approach. Data collection techniques are carried out through observation, interviews, and documentation of PT XYZ's employees and HRD. The factors that hinder compliance include lack of personal discipline, distance of residence, lack of supervision, and low understanding of SOPs. Failure to comply with the SOP has resulted in a decline in performance, administrative sanctions, and potential loss of company operations. Research results show that while companies have clear disciplinary enforcement policies and procedures, better strategies are needed to improve employee awareness and discipline in complying with standard operational procedures (SOPs). This study emphasizes the importance of improving SOP understanding through training as well as strengthening supervisory policies to create a work culture that is disciplined and compliant with applicable rules.    

In organizing the MotoGP Event at Zainuddin Abdul Madjid International Airport, Lombok, a significant increase in flight traffic affects operational capacity, especially in the Apron area. The Apron Movement Control (AMC) Unit plays a crucial role in ensuring the smooth and safe movement of aircraft, vehicles, and personnel. During the event, the surge in passenger numbers and aircraft movements puts additional pressure on the AMC, making it essential to maintain operational safety and efficiency in the apron area. This study aims to determine how the handling of increased flight traffic affects the efficiency of apron space usage during the 2024 MotoGP Event and what strategies and mechanisms are implemented by the Apron Movement Control (AMC) Unit in increasing the efficiency and safety of flight operations during the 2024 MotoGP Event at Zainuddin Abdul Madjid International Airport. This study uses a qualitative method. The data used in this study are primary data and secondary data. Data collection techniques used in this study are observation, interviews and documentation. Based on the research, it can be concluded that the role of Apron Movement Control (AMC) at Zainuddin Abdul Madjid Lombok International Airport during the 2024 MotoGP Event is very vital for the smooth running of flight operations, especially in managing increased traffic. AMC is tasked with following established procedures, including aircraft parking arrangements and efficient use of apron space. To overcome the spike in traffic, AMC added personnel, increased supervision in the airside area, and coordinated with relevant stakeholders, including Airnav Indonesia. In addition, airport infrastructure was expanded and operations were improved to meet the needs during the event, ensuring that all aircraft movements were safe and orderly.

Mathematics plays a crucial role in everyday life, as it enhances students' abilities to absorb lessons more effectively and develop rational, critical, logical, analytical, and systematic thinking. This study employs the literature review method, which involves gathering relevant information from various sources to support the research topic. The author collects references from articles and journals using Google Scholar, an open-access database that simplifies the process of locating topic-specific materials. Difficulties faced by students in learning mathematics are not always due to a lack of mathematical knowledge. They may stem from other issues such as memory problems, difficulty in recalling mathematical problems, weak calculation skills, confusion with operational signs, or reversing numbers. Students with learning disabilities may particularly struggle with both mathematical reasoning and basic computation. Furthermore, mathematical learning difficulties are also associated with cognitive challenges, such as solving complex word problems and understanding numerical concepts. These learning difficulties often result from internal and external factors that hinder the brain’s ability to process, analyze, and retain mathematical information effectively.

The development of the digital economy in Indonesia drives the need for a transparent and efficient transaction system. Blockchain technology is present as a creative answer to this challenge, through distributed and unmodifiable transaction recording. This study uses a literature study method by reviewing various scientific literature related to the role of blockchain in increasing transparency and security of digital transactions. The results of the study state that blockchain can strengthen the digital economy ecosystem by increasing public trust, data protection, and operational efficiency, especially in the financial and MSME sectors. However, the implementation of this technology still faces obstacles such as limited regulations, infrastructure, and digital literacy. Therefore, this study recommends a strategy for developing a blockchain-based digital economy platform through a decentralized architecture approach, smart contract integration, digital identity protection, regulatory compliance, and public education.

Artificial Intelligence (AI) has become an essential tool in the world of management for decision-making. This article examines the ways in which AI can be used to improve the quality and speed of decision-making, and how AI can improve the operational efficiency of companies. In addition, this article also examines the challenges and opportunities that companies face in adopting AI.In the rapidly evolving digital era, AI has become an essential component of modern business strategies. Today's managers are often faced with the challenge of analyzing very large and complex volumes of data. To make good and timely decisions, AI offers a potential solution with fast and precise data analysis capabilities.The use of AI in decision-making involves machine learning algorithms and models to efficiently process and analyze large amounts of data. This helps managers gain deeper and more accurate insights, enabling more effective decision-making.

Financial reports are made to provide information regarding the financial position, performance and changes in the financial position of a company and there are demands in reporting and compliance with the timeliness of submitting the company's financial reports. Consumer non-cyclical is a type of stock issued by companies whose business is not affected by the seasons or economic cycles in a country. The purpose of this study is to test and analyze the effect of operational complexity, management replacement and company size on audit report lag. The data used in this study are secondary data accessed through the website www.idx.co.id with 65 research samples. The results of this study indicate that operational complexity, management replacement, and company size have an effect on audit report lag.

International airports are complex work environments with unique occupational health and safety risks. As hubs of intensive transportation activities, airports involve various operations, including flight services, passenger handling, cargo management, and fuel operations. Early detection of fuel leaks is crucial to ensure the aircraft’s fuel system is free from leaks, blockages, or potential fire hazards. This study aims to analyze the causes of fuel leakage and identify appropriate mitigation measures, using observation and literature review methods. The findings indicate that fuel leakage occurring while the aircraft is parked suggests damage to certain fuel system components, such as seal gaskets, sealants, and dome nuts, which may suffer from wear or cracking due to age-related degradation. Such damage poses serious risks, including fire hazards, corrosion to aircraft structures—particularly in hard-to-reach areas like the wings or fuselage—and a drop in fuel pressure that could impair engine performance or cause flight cancellations. To address these issues, thorough inspections of all fuel system components are essential. Additionally, the use of sensors to detect abnormal changes in fuel pressure and flow, combined with rigorous leak testing after repairs, is recommended to ensure operational safety and reliability.