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This study examines the impact of the Central Bank of Nigeria's monetary policies on the Nigerian economy, specifically how these policies can be applied to foster economic growth. The research employs multiple regression models as the primary statistical method to analyze the relationship between key variables: money supply, average price levels, interest rates, labor force, and their effects on the Gross Domestic Product (GDP). Using data from 1981 to 2008, the study applies the Ordinary Least Squares (OLS) method to assess these effects comprehensively. The findings indicate that monetary policy, as reflected by money supply, positively influences GDP growth and improves the balance of payments, while also having a negative impact on inflation rates. The study suggests that the Nigerian money market should introduce a broader range of financial instruments to cater to the growing economy’s needs. Additionally, the recommendations emphasize the importance of designing monetary policies that create a favorable investment climate by adjusting interest rates, currency rates, and liquidity management mechanisms. By fostering a well-regulated and flexible monetary system, the Central Bank can further enhance the economic stability and growth of Nigeria, supporting sustainable development in the long term.

Increasingly fierce business competition forces companies to look for innovations and strategies to maintain customer satisfaction and trust. PT Quinsha Trans Jaya, a tourism transportation services company, faced problems in providing service information and collecting customer feedback. To overcome this, a website-based customer relationship management system is needed. This system is expected to improve operational performance, facilitate purchases, and provide complete information to customers. The development of the system uses the Rational Unified Process (RUP) method and aims to help PT Quinsha Trans Jaya retain and attract new customers. The customer relationship management information system built will focus on service transactions through the website. Then this system has information features related to rentals and purchases as well as available promotions. There is also a reward feature, feedback from customers that helps companies increase customer loyalty.

This study aims to describe and analyze: The Contribution of Migrant Workers in Increasing Money Remittances and Achieving the SDGs.  The research is a qualitative descriptive analysis. The data analysis technique uses the technique developed by McNabb (2002), namely Grouping the data according to key constructs, Identifying bases for interpretation, Developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that migrant workers play an important role in the world economy, especially in developed countries as migration destination countries and contribute to the growth of the economy in their home countries, one of which is through remittances sent to their home countries. Indonesia is one of the countries that still sends migrant workers, where remittances from migrant workers are seen as one of the main sources of foreign exchange after petroleum. Migrant workers contribute to reducing the unemployment rate in Indonesia by: Increasing household income. Helping families left behind not work for a while. Increase family access to capital and credit for entrepreneurship. Encouraging a decrease in child employment rates Helping economic development in the region of origin. Encourage political and social change.  The use of remittances for productive activities is expected to increase investment in recipient countries. Remittances encourage improvements made by households in daily consumption, expenditure on education, health, and other expenses, so that it will affect economic growth. Remittances increase household incomes and are therefore a strong anti-poverty force in developing countries.  Not only that, migrant workers who return to their home countries (return migrants) also contribute to the economic and social conditions of their home countries. Remittances can contribute directly and indirectly to several SDGs. Remittances' contribution to the SDGs: SDG 1: Reduce poverty, SDG 8: Decent work and economic growth SDG 10.c: Reduce the cost of migrant remittance transactions.

This Community Service Program (PkM) was motivated by the low quality of administrative order in the bookkeeping and document management system of Dasawisma Anggur Merah 3 RT 08, Bukit Timah Village, characterized by unsystematic data recording, weak documentation practices, and limited understanding of accountable and organized administration. The objective of this program was to strengthen the capacity of Dasawisma in implementing orderly administration through the development of structured, transparent, and sustainable bookkeeping and documentation systems. The method applied was a participatory community organizing approach, implemented through socialization, technical assistance, simple bookkeeping training, hands-on documentation practices, and participatory evaluation. The results indicate a significant improvement in the understanding of Dasawisma members regarding the importance of administrative order, behavioral changes in record-keeping and document management, the establishment of a more structured bookkeeping system, and the emergence of collective awareness of administration as a foundation for program planning and decision-making. In addition, local leaders (local leaders) emerged as driving forces in strengthening administrative management and institutional capacity. This program contributes to the creation of more professional, accountable, and sustainable governance of Dasawisma organizations in community-based empowerment initiatives.

Consumer dispute resolution in Indonesia is an increasingly relevant issue, considering the high dynamics of transactions that occur in the goods and services sector, including in the property sector. Consumers, as the weaker party in business transactions, often face problems related to the quality of goods/services received, delays, unilateral cancellations, or even failure in property development. Therefore, resolving consumer disputes is very important and requires adequate legal protection. This type of research is normative juridical research. Normative research is literature research by examining theoretical approaches and concepts that examine consumer disputes. Normative juridical research is legal research that places law as a building system of norms. Problems arise when consumers in good faith have paid all Down Payment obligations, but the business actor actually takes a unilateral decision to cancel the apartment construction project. Consumers who have invested funds amounting to IDR 307,530,900 are trying to get a refund, but the business actor does not show responsiveness and good faith in the refund process. This situation finally forced consumers to take legal action by filing a lawsuit with BPSK Medan City on December 5 2022. This case is a clear example of the application of consumer protection and the importance of BPSK as an alternative for resolving disputes outside of court. This decision also reflects the principles of justice and legal certainty in consumer disputes, where agreed consumers can obtain their rights through an arbitration mechanism.

This study aims to analyze the potential of local wisdom-based creative economy in Soaib Village, Kemtuk District, Jayapura Regency. Soaib Village has cultural wealth and abundant natural resources, including organic cocoa and orchids, which make it potential to be developed into a sustainable creative economy sector. This research used a descriptive qualitative approach with data collection through observation, interviews, and documentation. Data analysis was conducted using the SWOT method, explanatory analysis, and Geographic Information System (GIS) to map the potential of existing resources. The results showed that organic cocoa and orchids are leading sectors that can be the driving force of the local economy. However, there are significant challenges, such as limited infrastructure, lack of technical training, cocoa pests, and limited market access. Support from organizations such as WWF in providing training and mentoring has had a positive impact, especially in improving community skills related to forest product management and orchid cultivation. The SWOT analysis revealed several key factors: (1) strengths in the form of natural resources and active community participation; (2) weaknesses in the form of lack of infrastructure and capital; (3) opportunities in the form of global demand for organic products and government support; and (4) threats in the form of climate change and competition from other regions. With more structured and inclusive management, this potential can be maximized to support sustainable economic development. This research emphasizes the importance of local wisdom as a foundation in creative economic development, while maintaining environmental sustainability. The resulting strategic recommendations include improving infrastructure, strengthening technical training, strengthening local institutions, and promoting awareness about the importance of sustainability. With these steps, Soaib Village is expected to become an example of successful management of local wisdom-based creative economy that can be replicated in other areas.

The purpose of this study is to find out the basic things that cause organizational change, to find out the development of the quality of human resources that are carried out, the lack of mastery in handling hazardous cargo. The study uses a qualitative approach with a descriptive method. Data was taken using interview techniques, observation, documentation. The informants used in the study were Experts. The data that has been collected is then subjected to data reduction, data presentation, and verification. The results of the study are the things that underlie organizational change to maintain the company's excellence by making organizational changes in accordance with the IMDG Code PM 16 of 2021, making changes to the quality of human resources who have expertise in accordance with the provisions in force in various sectors with the implementation of upskilling and reskilling, handling of hazardous cargo carried out in accordance with applicable procedures to obtain efficiency and work safety that is more guaranteed, handling of hazardous cargo has been carried out in accordance with the IMDG Code PM 16 of 2021 in accordance with the latest regulations with good cooperation so that in loading it can arrive at its destination safely.

This quantitative study uses SmartPLS3 to analyze the main issues related to the impact of the COVID-19 pandemic on MICE (Meeting, Incentive, Convention, and Exhibition) business actors, as well as the role of the hybrid model in maintaining the sustainability of MICE activities in Indonesia. This study focuses on five representative cities that are the main targets of MICE activities according to the government's strategic plan, namely Jakarta, Bogor, Bali, Yogyakarta, and Malang. The COVID-19 pandemic that has hit various countries, including Indonesia, for more than a year, has brought major challenges. The tourism and MICE sectors are among the most affected, with many business actors forced to stop their operations and switch to alternative sectors such as culinary, agriculture, and plantations as a means of survival. However, the emergence of the hybrid model has become an important solution for the MICE sector. Some alternative solutions adopted during the pandemic include organizing virtual MICE events, virtual tourism, webinars, and meetings through platforms such as Google Meet and Zoom. Teleconferencing has also become an important tool to maintain engagement. These adaptations highlight the increasing reliance on advanced technology to ensure the sustainability of the MICE industry. The implementation of these activities requires high creativity and quality in order to run well. This change emphasizes the importance of continuous innovation and utilization of technology by MICE industry players to navigate the ever-evolving landscape.

Developing identity is one of the fundamental elements in building a person's character. Strong character plays an important role in facing various life challenges, both in the family, education and community environments. One aspect that can lead to optimal development of identity is through intention and encouragement to achieve clear life goals. Sincere intentions and strong drive are the driving forces that will help individuals stay focused and consistent in achieving their goals, even when faced with various obstacles and temptations. In this context, a well-defined life goal not only provides direction, but also provides deep meaning in every step taken by the individual. The process of developing identity, which is influenced by intentions and encouragement, is closely related to character formation. The character that is formed is not only visible from a person's attitudes and behavior, but also from the ability to manage emotions, make wise decisions, and be responsible for the actions taken. Over time, developing your identity will increase self-confidence, strengthen mental resilience, and foster a sense of responsibility towards yourself and others. This article aims to explain the importance of intention and drive in developing one's identity to build one's character, as well as how this process is related to achieving larger life goals. In its implementation, a supportive environment such as family, school and community plays a significant role in forming and strengthening a person's identity. Character education, in this case, has an important role in guiding individuals to develop positive intentions and providing the encouragement needed to achieve their life goals. Therefore, it is important for each individual to have strong intentions and the right encouragement in the process of developing their identity, in order to achieve life goals that are in line with positive values ​​that can enrich their lives and those of the surrounding community.

With the increasing development of society, information is an important tool today. Information forces every person, both individuals and groups, both private and government, to calculate the information system that will be implemented in order to remain competitive in the era of globalization. In this case, the implementation of the right strategy allows every government agency to further improve services. In addition, the rapid advancement of information technology, but the lack of proper utilization. In general, the problems faced in the Information Technology Study Program Laboratory of Aisyiyah Pontianak Polytechnic are the suboptimal service of the inventory system where laboratory data is still manual so that the search time for equipment takes a long time. In instrumentation maintenance if it is still manual, it will be difficult to find out how many hours the equipment has been used and how many times it has been damaged. Along with the progress of Information Technology development, globalization is also becoming increasingly rapid. The specific objective of implementing the use of applications related to the theory of the concept of the course given to students. Analytical survey method with a Cross Sectional approach. The qualitative research design used is Phenomenological Research. The results of this study can improve the knowledge and skills of students, in improving knowledge in the field of Information Technology. Promoting the information technology study program at the Aisyiyah Pontianak Polytechnic.

This study aims to examine the relevance of the first principle of Pancasila in supporting diversity and the role of the state in maintaining harmony of diversity in Indonesia. The method used is a qualitative approach with a descriptive-analytical method. Based on the results of the analysis, it can be concluded that the First Principle, "Belief in the One and Only God," supports diversity in Indonesia by emphasizing the value of inclusivity that promotes tolerance, respect, and recognition of various religions, cultures, and traditions. This supports the principle of Bhinneka Tunggal Ika, making diversity a unifying force for the nation. In addition, the state has a strategic role in maintaining harmony of diversity through regulations that ensure religious freedom, law enforcement against intolerance, and the development of multicultural education. Although challenges such as radicalism and intolerance remain, collaboration between the government and society is essential to realize social harmony in accordance with the values of the First Principle in Pancasila.

The era of digitalization has a significant impact on various aspects of life, including education. However, the existence of traditional games is increasingly eliminated due to technological developments. This study examines the implementation of the traditional game of ball ball as an interactive learning medium of the earth's gravitational force for elementary / middle school students. Using  the Systematic Literature Review (SLR) method, this study identifies the benefits of the game of ball ball in improving students' understanding, motivation, and learning outcomes through a fun and interactive approach. The results of the study show that the ball game is able to integrate the concept of the earth's gravitational force in a simple but effective way. The game also facilitates the development of students' cognitive, psychomotor, affective, social, and spiritual aspects. The use of the game of ball in learning not only increases students' interest but also creates an inclusive and collaborative learning environment. The conclusion of this study confirms that the traditional game of bekel ball is an innovative and relevant learning medium in teaching physics concepts, especially the earth's gravitational force. The practical implications can be used as a guideline for educators to develop learning strategies based on local wisdom that support in-depth conceptual understanding. Further research is recommended to explore the potential of other traditional games in the learning of complex science concepts.

Population growth is a significant phenomenon in the context of global economic development. This article discusses the dynamics of population growth and its impact on a sustainable economy. Rapid growth can provide opportunities, such as increased labor force and larger consumption markets, but it also brings serious challenges, including pressure on limited natural resources and infrastructure. With an eye on the interaction between population and economy, effective strategies need to be put in place to ensure that population growth becomes an asset, not a burden. Investments in education, sustainable infrastructure development, and inclusive migration policies are key to achieving the desired balance. This article emphasizes the importance of integration between population growth and economic sustainability to build an inclusive and prosperous future for all.  

This study aims to identify obstacles and opportunities in the development of Micro, Small, and Medium Enterprises (MSMEs) in Mojokerto Regency, Indonesia from a macroeconomic perspective. Using the Systematic Literature Review (SLR) method, this study analyzes various literature and secondary data from national and international sources. The research findings show that MSMEs in Mojokerto Regency face several major obstacles, including limited access to financing, lack of digital literacy, inadequate infrastructure, and challenges in improving the quality of human resources. On the other hand, there are significant opportunities for MSME development through the use of digital technology, government policy support, and export market development. From a macroeconomic perspective, the success of MSME development in Mojokerto will not only have an impact on improving the welfare of local communities but can also contribute to regional and national economic growth. Recommendations from this study include increasing access to financing, accelerating the development of digital infrastructure, and strengthening the capacity of MSME actors through entrepreneurship training and technological literacy. By overcoming these obstacles and utilizing existing opportunities, MSMEs in Mojokerto Regency have the potential to become a driving force for a stronger and more sustainable economy.

Fintech has emerged as a key driving force in fostering sustainable transactions and green investments at the global level. Through product and service innovation, fintech is making access to sustainable financial products easier, encouraging wider participation in the green economy. The role of fintech in driving global sustainable transactions and green investments is increasingly significant as the need for environmentally friendly financial solutions grows. Financial technology (fintech) facilitates wider access to green finance through inclusive and efficient digital platforms. Fintech contributes to carbon footprint reduction by adopting digital-based technologies to replace traditional resource-intensive financial processes. In addition, fintech also encourages green investment by providing services such as crowdlending for renewable energy projects, green asset tokenisation, and sustainability-based portfolio monitoring applications. Collaboration between fintech, regulators, and the traditional financial sector is key in creating an ecosystem that supports the transition to a low-carbon economy. This article discusses the strategic role of fintech in driving sustainable transactions and global green investments, the challenges faced, as well as the future potential to achieve sustainable development goals (SDGs).

Digitalization has become a transformative force reshaping how organizations innovate and sustain competitive advantages in an interconnected global economy. This study explores the intricate relationship between business digitalization, innovation capabilities, and sustainability outcomes. Employing a comprehensive literature review, it examines how digital transformation fosters innovative practices and supports sustainable business models. Key findings reveal that integrating digital technologies, such as artificial intelligence, IoT, and blockchain, significantly enhances innovation capacity by accelerating product development cycles, improving decision-making precision, and fostering collaborative innovation ecosystems. Moreover, digitalization optimizes resource utilization, minimizes environmental impact, and strengthens stakeholder engagement, contributing to measurable economic, environmental, and social sustainability outcomes. The synergy between digital transformation and sustainability initiatives provides organizations with strategic advantages, including improved operational efficiency, customer loyalty, and competitive positioning. However, challenges such as implementation barriers, balancing digital-sustainable priorities, and managing unintended environmental impacts persist. Future research should focus on empirical validation, industry-specific applications, and longitudinal studies to further elucidate the pathways through which digitalization supports sustainable innovation and long-term business resilience. This study underscores the imperative for organizations to strategically align digital transformation with sustainability objectives, ensuring their future success in a rapidly evolving business environment.

Digitalization has become a transformative force reshaping how organizations innovate and sustain competitive advantages in an interconnected global economy. This study explores the intricate relationship between business digitalization, innovation capabilities, and sustainability outcomes. Employing a comprehensive literature review, it examines how digital transformation fosters innovative practices and supports sustainable business models. Key findings reveal that integrating digital technologies, such as artificial intelligence, IoT, and blockchain, significantly enhances innovation capacity by accelerating product development cycles, improving decision-making precision, and fostering collaborative innovation ecosystems. Moreover, digitalization optimizes resource utilization, minimizes environmental impact, and strengthens stakeholder engagement, contributing to measurable economic, environmental, and social sustainability outcomes. The synergy between digital transformation and sustainability initiatives provides organizations with strategic advantages, including improved operational efficiency, customer loyalty, and competitive positioning. However, challenges such as implementation barriers, balancing digital-sustainable priorities, and managing unintended environmental impacts persist. Future research should focus on empirical validation, industry-specific applications, and longitudinal studies to further elucidate the pathways through which digitalization supports sustainable innovation and long-term business resilience. This study underscores the imperative for organizations to strategically align digital transformation with sustainability objectives, ensuring their future success in a rapidly evolving business environment.

The development of Micro, Small and Medium Enterprises (MSMEs) is very important in supporting economic growth in the city of Medan. In the context of sharia economics, MSMEs act as the backbone of the economy, creating jobs, diversifying products, and empowering communities. However, they are faced with challenges such as limited access to capital, education, and regulations. This research analyzes the role of MSMEs from a sharia perspective, identifies challenges, and provides policy recommendations. The results show that MSMEs play an important role in overcoming poverty, creating diverse local products, and supporting an inclusive economy. Therefore, solutions are needed to financial, educational, marketing and regulatory challenges. Support from the government, financial institutions and universities together with sharia economic development can optimize the contribution of MSMEs in supporting sustainable economic growth in Medan City. In this way, MSMEs can become a driving force for economic growth which will have a positive impact on the people of Medan City.

This research aims to determine the effect of the human development index and economic growth on unemployment and poverty in Aceh. This research uses secondary data with a time series of 2013-2022 with the scope of Jogjakarta province. This research model uses a path analysis model using the Eviews application. The results of this research show that the number of labor force directly has a positive and insignificant effect on the level of poverty. The human development index directly has a negative and significant effect on the poverty level The number of labor force directly has a negative and significant effect on the unemployment rate. The human development index directly has a positive and significant effect on unemployment. The poverty level directly has a positive and insignificant effect on the unemployment rate. Indirectly, the number of labor force has a negative and insignificant effect on unemployment through poverty. Indirectly, the human development index has a negative and insignificant effect on unemployment through poverty.

Learning motivation plays a significant role for students. This motivation increases students’ interest in completing learning activities. When students are motivated by their environment and themselves, their learning outcomes also improve. The methods used in community service activities (PKM) are influenced by various factors, such as monotonous teaching methods, lack of teacher support, and the influence of technology. PKM uses interactive lecture methods that utilize media, discussions, and Q&A sessions to increase students’ learning motivation. This highlights the importance of motivation to support oneself in achieving goals and becoming a better individual. This community service aims to increase the learning motivation of students at SMKN 6 Serang cities, as motivation is one of the factors that influence students’ success. When someone is motivated to learn, they will achieve the desired learning outcomes. Motivation acts as a driving force to achieve good results. People engage in activities because they have motives. High learning motivation will yield optimal results. This activity aims to prepare students as participants who, based on their respective skills, can face challenges in starting their careers.