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The purpose of this study was to determine the Economic Independence of the Nias Ethnic Group as a survival strategy in the face of social exclusion in Tarutung District, North Tapanuli Regency. The research method used was qualitative research. Data collection using techniques, observation, interviews and documentation. From the results of the study obtained. The economic independence of the Nias ethnic group can be seen from the existence of barbershops and tailors that have developed in Tarutung District. Social exclusion occurs among the Nias ethnic group which results in the Nias ethnic group preferring to create their own businesses. The economic adaptation strategy of the Nias ethnic group in Tarutung District, North Tapanuli Regency, that the economic adaptation strategy carried out by the Nias Ethnic Group is generally by utilizing social networks by utilizing social networks of family, friends, and communities. The Nias ethnic group who migrated to Tarutung, some of them have family or relatives who have migrated to Tarutung. Through the use of this network, the Nias ethnic group is able and easy to get information opportunities regarding job opportunities and business opportunities. Managing their own business is adjusted to their interests or skills, this business is limited in scale and managed by one individual. The Nias ethnic group establishes their own business because they have capital, either from capital collected by themselves or capital assistance from their families. adapting to existing jobs and in accordance with their respective skills. The development of the barbershop or sewing business of the Nias ethnic group in Tarutung greatly influences the development of the economic progress of the Nias ethnic group in Tarutung.

This study aims to analyze the development strategy of the Jeanete business, located in Maumere City, Jl. Kesehatan No. 3, Lorong Masuk SDK Yos Sudarso, through a SWOT (Strengths, Weaknesses, Opportunities, and Threats) analysis approach. The research employed a descriptive qualitative method using field observations, in-depth interviews with business owners, and documentation as data collection techniques. SWOT analysis was applied to identify internal and external factors influencing the growth of fashion thrift businesses. The findings indicate that the business strengths include affordable product prices, good-quality secondhand clothing, and increasing consumer interest in thrift fashion products. The identified weaknesses consist of limited business capital, unstable product supply, and inadequate utilization of digital marketing. Opportunities arise from the growing public awareness of sustainable lifestyles, rapid digital technology development, and the increasing popularity of thrift fashion among younger generations. Meanwhile, threats include intensifying competition, rapidly changing fashion trends, and fluctuations in product supply costs. Based on the SWOT matrix analysis, the recommended strategies involve strengthening digital marketing activities, improving customer service quality, diversifying products, expanding supplier networks, and implementing sustainability-oriented business practices. The study concludes that fashion thrift businesses have significant potential to grow while contributing to textile waste reduction and promoting sustainable fashion practices in Maumere City.

This study aims to analyze the factors that influence the income of coffee shop businesses in Kintamani District, Bangli Regency, by integrating both traditional and digital factors. Specifically, the research examines the effects of capital, operating hours, selling price, number of customers, and the use of e-money on coffee shop income. Using a quantitative approach, the study applies multiple regression analysis to investigate the relationships between these variables. The findings reveal that both traditional factors such as business capital and operating hours, as well as modern factors like e-money usage, have a significant impact on the income of coffee shop businesses in Kintamani. This research not only fills a gap in the existing literature but also offers practical insights for business actors in the coffee shop industry, particularly in high-tourism areas like Kintamani.  

Industrialization has been a major driver in Indonesia’s transition from an agrarian to a modern economy. Its contribution to productivity growth, job creation, and economic diversification makes it a strategic component of national development. The integration between industry and other sectors such as agriculture, services, trade, and labor proves essential in strengthening competitiveness and achieving inclusive growth. Findings indicate that despite its potential, industrialization in Indonesia still faces challenges such as import dependency, limited skilled labor, and regional disparities. Therefore, future industrial strategies should focus on enhancing sectoral linkages, promoting equitable development, and improving human capital and infrastructure capacity to support sustainable economic growth.

Warehouse Receipt is an alternative financing instrument that enables farmers and agribusiness actors to access capital by using stored commodities in licensed warehouses as collateral. This mechanism not only addresses the limited access to financing in the agricultural sector but also functions as a risk mitigation tool against commodity price fluctuations. In Indonesia, the implementation of the Warehouse Receipt System is legally regulated and supported by institutions such as the Commodity Futures Trading Regulatory Agency (Bappebti) and PT Kliring Berjangka Indonesia. However, its effectiveness still faces several challenges, including low financial literacy among farmers, limited warehouse infrastructure, and suboptimal inter-agency coordination. Therefore, policy strengthening, increased public awareness, and digital system development are essential to optimize the role of Warehouse Receipts in enhancing the agricultural sector and maintaining commodity price stability.

Chapter 2 POJK Number 67/POJK.04/2017 concerning Notaries with Activities in the Capital Market requires that Notaries with activities in the Capital Market must obtain a Certificate of Registration (STT) by the OJK. After the PPSK Law, Notaries are also declared a Financial Sector Supporting Profession and must be registered by the relevant minister, institution or authority. The problems are: (1) How are financial sector supporting professions regulated based on Law Number 4 of 2023? (2) What are the Obligations of a Notary as a Financial Sector Supporting Professional in obtaining a Registration Certificate (STT) Based on Law Number 4 of 2023? The method used in this research is Normative Juridical, with data collection through literature study. The research results show that professions supporting the financial sector, including notaries, are required to be registered by the Financial Services Authority and Bank Indonesia, but there are still no regulations governing the registration procedures.

Coastal women on Poteran Island, Sumenep, have an important role in the marine-based economic sector, especially in the seaweed and processed seafood industry. However, limited access to capital, technology, and markets are the main challenges in their empowerment efforts. This study aims to analyze the level of empowerment of coastal women in the industry and identify factors that support and hinder the development of their businesses. This study uses a qualitative method with a case study approach, where data is collected through in-depth interviews with women entrepreneurs, participant observation, and related literature studies. Data analysis techniques are carried out through the Miles and Huberman interactive model which includes data reduction, data presentation, as well as drawing conclusions and verification. The results of the study indicate that the empowerment of coastal women in the seaweed and processed seafood industry has had a positive impact on family economic welfare, increased skills capacity, and strengthened their social roles in the community. However, there are still obstacles in terms of market access, policy support, and production technology that need further attention. Therefore, intervention from various stakeholders is needed to increase women's access to skills training, business capital, and policies that support the sustainability of their businesses.    

In the digital era, the ability to utilize social networks and digital platforms to gain financial education and make financial decisions in accordance with sharia principles is increasingly essential. This study aims to analyze the influence of social capital and digital literacy on Islamic financial literacy among Generation Z. A quantitative approach was employed, with primary data collected from 209 respondents through purposive sampling, consisting of Generation Z individuals residing in Yogyakarta. Data analysis was conducted using path analysis with the Structural Equation Modeling approach based on Partial Least Squares (SEM-PLS), utilizing the SmartPLS 3.0 software. Construct reliability testing, discriminant validity, and hypothesis testing were carried out to evaluate the relationships between variables. The results indicate that social capital and digital literacy have a positive and significant effect on Islamic financial literacy. Digital literacy enhances individuals’ access to Islamic financial information through digital media, while social capital strengthens knowledge sharing and trust within communities. These findings highlight the importance of leveraging digital technology and reinforcing community-based approaches to improve Islamic financial literacy. This study contributes to the growing body of literature on the interaction between social capital, digital literacy, and Islamic financial literacy in the digital age and offers strategic insights for educational institutions and financial service providers to promote sharia-based financial literacy.

This study aims to analyze the legal protection for investors in the capital market through the harmonization of existing regulations. In the context of Indonesia's capital market, legal protection is a crucial aspect for maintaining investor confidence and creating a healthy investment climate. Although various regulations, such as Law No. 8 of 1995 on Capital Markets, have been established, the implementation of legal protection still faces several challenges, including a lack of alignment between existing regulations. This research employs a normative approach with legal analysis and literature review as data collection methods. The findings indicate that regulatory harmonization is essential to enhance the effectiveness of legal protection for investors, both preventively and repressively. With harmonization in place, it is expected that regulations can operate more effectively and provide better protection for investors in the capital market.    

This research discusses community empowerment in social conditions where problems occur in the community, especiallymothers or lower middle class people who are looking for a shortcut to finance familylife on basicneeds by lending money from moneylenders. That the familyis high, the low average familyincome and the high cost of living make them feel that their quality of life is threatened. The solution to overcome this problem must be a driving agency from the government or what is meant is community empowerment, namely the Leder-Free Village (KBR) Program which provides spiritual training, training assistance, business capital to the community so that prosperous and quality families are created. This research aims to determine the process of stages of community empowerment activities,family resilience and determine the supporting and inhibiting factors in the Money Loan Free Village program. This research uses a descriptive qualitative approach. Data collection techniques using interview, observation and documentation techniques. The results of this research show that the Leder-Free Village program achieves community empowerment in terms of family resilience, namely that the beneficiary members get business capital and create social change from economic, social and spiritual independence, so that achieve the condition of the family in their lives independently and more empowered.

In the order of Democracy, there is an election system intended to elect representatives of the people, one of which is election contestation. Elections are a contestation arena for candidates for people's representatives such as legislative candidates for DPRD members. So that legislative candidates must prepare themselves with qualified capital such as political modalities. Political capital according to pierre bourdiue's theory is capital consisting of 5 capitals, namely political capital, social capital, economic capital, symbolic capital and cultural capital. In this study, researchers wanted to see how the winning modality of Yermias Y. K. Pellokila, SH as an elected member of the DPRD in the 2024 legislative elections in district II Kupang Regency. With the aim of knowing and describing in depth the use of what modalities Yermias Y. K. Pellokila, SH used in achieving victory. This research uses a qualitative approach with a descriptive-analytic approach, with data collection techniques through documentation studies and interviews. The results of this study state that of the 5 capitals owned by Yermias Y.K Pelokilla SH, namely political capital, social capital, economic capital, cultural capital and symbolic capital and there are 2 most influential capitals used by Yermias Y. K. Pellokila, SH in winning the 2024 legislative elections in district II Kupang Regency, namely social capital and symbolic capital. In the victory of Yermias Y.K Pellokila SH in social capital there is a form of family support that is very extraordinary with the formation of a family team as a substitute for a success team, a family arisan community group, participating in community events and the Pellokila,SH family background being the hallmark of YeremiasY.K Pelokilla SH to be able to win the hearts of the community. And in the symbolic capital of Yermias Y.K Pellokila,SH self-authorship is reflected in his life track record and his name which is well known to the public as a firm person, has a good performance as a former head of Pariti village to be a benchmark for public trust in Yermias Y.K Pellokila,SH and bring him to win the seat of DPRD Member for the 2024 Legislative Election in district II Kupang Regency.

Investment activities in the capital market are increasingly popular among various groups, including students (santri) at Islamic boarding schools (Pesantren). However, understanding of stock investment remains limited among these students. To address this need, we organized a community service activity in the form of a stock investment consultation clinic at Monash Institute Islamic Boarding School. The aim of this activity is to provide an understanding of stock investment, improve financial literacy, and help students apply safe and effective investment strategies. This activity involves training, discussions, and direct consultations with investment experts. The results of the activity showed an increase in the students' knowledge of financial literacy and their awareness of investment in the capital market

The rapid development of digital technology has encouraged the emergence of crypto assets as a new investment instrument in Indonesia. Along with the increasing popularity of digital assets, the government responded by imposing tax policies in the form of Value Added Tax (VAT) and Income Tax (PPh) on every crypto transaction. This study aims to analyze the suitability of the tax imposition with the basic principles of tax law, as well as to examine its impact on the growth of the digital asset industry in Indonesia. The method used in this research is a literature study with a descriptive qualitative approach sourced from regulations, scientific journals, official reports, and international comparative studies. The results of the study show that the imposition of VAT on crypto transactions is not fully in line with the principles of fairness, legal certainty, and efficiency in taxation. In addition, the disproportionately high tax burden has a negative impact on investor interest, encourages offshore transactions, and slows down innovation in the domestic blockchain industry. Therefore, policy reformulation is needed, such as the application of capital gains tax and the provision of fiscal incentives, so that tax regulations can support the sustainable growth of the national digital economy.

The rapid growth of financial technology (fintech) has significantly transformed the funding landscape for Small and Medium Enterprises (SMEs), offering innovative financial solutions beyond traditional banking institutions. This study presents a bibliometric analysis of fintech’s role in SME financing, identifying emerging trends and research gaps. Utilizing bibliographic coupling and co-occurrence network analysis, data from Scopus were analyzed to uncover the intellectual structure and evolution of research in this field. The results highlight key themes, including the integration of blockchain, peer-to-peer lending, financial inclusion, and crowdfunding in SME financing. A particular focus on Islamic finance and Islamic crowdfunding indicates a growing interest in alternative financing mechanisms that align with Sharia principles. Additionally, the study reveals an increasing academic focus on fintech adoption in developing economies, particularly in Indonesia and Nigeria, where access to capital remains a critical challenge. The findings underscore fintech’s role in democratizing financial access for SMEs, bridging funding gaps, and fostering economic growth. Future research should investigate regulatory frameworks, risk management strategies, and technological adoption models to optimize the impact of fintech on sustainability in SME financing.

This study aims to determine the effect of investment decisions, profitability, liquidity, and capital structure on firm value, and to analyze investment decisions, profitability, liquidity, and capital structure on firm value. The population in this study are processed food and beverage sub-sector companies listed on the Indonesia Stock Exchange in the financial statements for the 2019-2023 period. The sampling technique in this study used purposive sampling method and obtained a sample of 31 companies. The analysis technique used is multiple linear regression analysis using SPSS software version 22.0. The results of this study indicate that investment decisions have a significant effect on Firm Value, Profitability has a significant effect on Firm Value, Liquidity has no significant effect on Firm Value, and Capital Structure has a significant effect on Firm Value.

This research was conducted to analyze the factors that influence the problematic financing of murabaha contract products at Islamic commercial banks in 2017-2021 with research samples of Islamic commercial banks in Islamic banking statistics published by the Financial Services Authority (OJK) and analyzed using multiple linear regression. The results of the analysis obtained a significant negative effect of murabahah financing and interest rates on problematic financing of murabahah contract products. Meanwhile, capital adequacy has a negative but not significant effect on financing problematic murabahah contract products at Islamic commercial banks in Indonesia from 2017 to 2021. So that additional capital is carried out by banks, it does not allow for a decrease in problematic financing of murabahah contract products at Islamic commercial banks.

This study aims to analyze the strengths, weaknesses, opportunities, and threats (SWOT) in the development of culinary MSMEs in Central Java Province. A descriptive qualitative approach was used, with data collection conducted through interviews, observations, and secondary document review. Data analysis was performed using the Miles and Huberman interactive model, which allowed for the systematic processing and interpretation of the gathered data. The findings revealed that the key strengths of culinary MSMEs in Central Java include clear market segmentation, strategic locations, and product innovation. These strengths enable the businesses to reach targeted customers effectively and maintain competitiveness in a dynamic market. However, the main weaknesses identified include limited utilization of digital technology and a lack of managerial development, which hinder their ability to scale and improve operational efficiency. The study also highlighted significant opportunities for growth, such as government support for MSMEs and the rapid development of digital technologies that can enhance marketing and operational processes. Despite these opportunities, the threats facing these businesses include intense competition from both local and global players, as well as a low level of interest in entrepreneurship among the younger generation, which limits the growth potential of new businesses. Based on the SWOT analysis, the study proposes a development strategy matrix that MSMEs and policymakers can use to address weaknesses, capitalize on opportunities, and mitigate threats. This strategy emphasizes the need for digital transformation, investment in managerial skills, and fostering an entrepreneurial culture to ensure the sustainable growth of culinary MSMEs in the region. The findings provide valuable insights for both business owners and policymakers to support the development of the culinary sector in Central Java

This study aims to examine and analyze the influence of organizational culture, work environment, psychological capital, and employee empowerment on organizational commitment. This research was conducted on private company employees in Solo Raya using a quantitative method with 190 respondents. Data were collected through questionnaire distribution, and the data analysis used was multiple linear regression analysis. The results of this study indicate that organizational culture has no effect on organizational commitment, work environment has no effect on organizational commitment, psychological capital has a positive and significant effect on organizational commitment, and employee empowerment has a positive and significant effect on organizational commitment.

Geopolitical tensions have evolved from peripheral risks to central drivers of global capital flows, disproportionately affecting Emerging Markets (EMs). This study provides a comprehensive bibliometric mapping of the academic landscape linking geopolitical dynamics, international finance, and investment in EMs. This study uses a dataset of 1,039 documents extracted from high-impact databases to analyze performance and conduct science mapping with R-Bibliometrix. The analysis covers publication trends, citation structures, and conceptual evolution over the last century, with a focus on the surge in literature post-2018. Results indicate an exponential growth in scientific production, peaking in 2024. The thematic structure reveals a shift from traditional debt crisis narratives (1990s) to contemporary concerns regarding sanctions, protectionism, and trade policy (2020s). Network analysis identifies three distinct clusters: (1) International finance and market mechanisms, (2) Political economy and development in the Global South, and (3) Institutional governance (IMF/World Bank). This paper bridges the gap between political science and financial economics by visualizing how international finance serves as the dominant anchor connecting developed economies (the USA and the UK) with key emerging markets (China and Indonesia) amid rising global fragmentation.

Islamic religious education not only functions to shape the faith and morals of students, but also has a strategic role in encouraging independence and economic empowerment of the community. This study aims to analyze the role of Islamic religious education in Padangsidimpuan District. Hutaimbaru , Contribution of economic empowerment to the Hutaimbaru community , as well as supporting and inhibiting factors of economic empowerment for the Hutaimbaru community . This study uses a qualitative approach with descriptive methods. The research subjects include religious leaders, educators or instructors of Islamic Religious Education, community leaders, and micro-entrepreneurs who were selected purposively based on their involvement in religious and economic activities. Data collection was conducted through in-depth interviews, field observations, and documentation as supporting data. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions, with data validity maintained through triangulation techniques. The results of the study indicate that Islamic religious education plays a role in instilling the values of hard work, honesty, responsibility, and entrepreneurial spirit which are the foundation for strengthening the people's economy. Optimization is carried out through religious studies, religious guidance, social preaching, and strengthening Islamic economic values in everyday life. Obstacles faced include limited capital, low business skills, and less than optimal sustainable mentoring. Therefore, synergy is needed between educational institutions, religious leaders, and the government to strengthen the economic empowerment of the people based on Islamic values.