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This study aims to analyze product innovations in the Musyarakah contract applied by Islamic financial institutions in Indonesia. The research uses a qualitative descriptive method with case studies from several Islamic banks. Data were collected through documentation and interviews with practitioners. The study found that innovations in Musyarakah products are largely driven by the need to enhance competitiveness and address the unique demands of the Indonesian market, particularly among micro, small, and medium enterprises (MSMEs)  Several banks have modified the classical Musyarakah structure to align with customer preferences and regulatory standards. For instance, some institutions implement tiered profit-sharing mechanisms, structured financing tenures, and integration with digital banking platforms to improve accessibility and monitoring. In addition, hybrid contracts that combine Musyarakah with other contracts, such as Ijarah or Murabahah, are increasingly used to create more flexible and customer-friendly financing solutions. Practitioners interviewed noted that one of the main challenges in implementing Musyarakah-based products is the higher operational and monitoring cost, due to the nature of partnership-based risk-sharing. However, these challenges are being addressed through technological innovation, such as mobile applications that help track business performance and automate profit-sharing calculations. The study concludes that product innovation in Musyarakah financing can enhance the inclusivity and effectiveness of Islamic banking in Indonesia, especially in supporting entrepreneurial sectors. Nevertheless, standardization, regulatory support, and continued investment in human resource capacity remain critical for sustained innovation. Future research may explore the customer perception of Musyarakah products, the impact of these innovations on financial performance, and comparative studies with conventional financing models.

 The Karanggeneng River in Rembang Regency, Central Java, serves as the main water source for the surrounding community but is vulnerable to seawater contamination during the dry season due to decreasing river elevation. To address this issue, this study aims to design and implement a river water elevation monitoring device based on the Internet of Things (IoT) powered by a hybrid Solar Power Plant (PLTS). The device utilizes the MB7360 ultrasonic sensor connected to an ESP32 microcontroller to measure water elevation in real-time and display the data through an LCD and the Blynk application on a smartphone. The methodology includes literature review, device design, system implementation, and field performance testing. Test results show that the sensor can measure water height accurately within a range of 30 cm to 5 meters, and the PLTS system is capable of supplying the required 0.56 Watts of power. The study compared two alternative solutions and selected the ESP32-based system as the best option due to its efficiency, cost-effectiveness, and easy-to-source components. The conclusion of this research indicates that the developed device can provide accurate and continuous information, support monitoring of river conditions to prevent the risk of seawater intrusion, flooding, or drought, and has the potential to be applied as a mobile system in various other river locations across Indonesia.

Bos Salad Bengkalis is a culinary company that offers healthy and fresh salads. With rapid business growth, managing customer data, reward programs, and transactions is becoming increasingly important. For this reason, a Mobile-based membership management system is needed that can improve customer experience by creating a Reward program, then to facilitate management and customer transaction data, a Website-based system is also made for the admin. This research aims to design and develop an effective and efficient customer membership management system using the Rapid Application Development (RAD) method. This method was chosen because it allows rapid and orderly development, so that the system built can meet the needs. The main features to be developed include member registration, member profile management, point and reward system, and transaction management. Through the implementation of this system, Bos Salad Bengkalis can obtain more accurate data on customer behavior and preferences. Thus, the development of this membership management system is a strategic step for Bos Salad Bengkalis in facing challenges and taking advantage of opportunities in today's digital era.

Th Advances in information technology have had a significant impact on various aspects of life, including organizational operations. The Mobile Attendance Application (K-Mob) is one implementation of information technology designed to simplify the process of recording attendance in real-time. However, this application is vulnerable to risks that can hamper operations, such as hacking, system failures, and data security issues. This study aims to identify, analyze, and evaluate risks that may affect K-Mob's performance using the ISO 31000 framework. The analysis process is carried out through communication with stakeholders, risk identification, and risk evaluation based on the frequency of occurrence and impact. The results show that significant risks faced include hardware damage, server disruptions, and data misuse. Risk management is carried out through mitigation strategies, such as system updates, infrastructure strengthening, and increasing human resource capacity. With this approach, risks can be minimized, ensuring the sustainability of K-Mob's operations, and improving system reliability. This study recommends regular risk evaluation and the development of adaptive strategies to address evolving threats. The implementation of ISO 31000 has been proven to provide effective guidance in information technology risk management.is.

Information systems can be technically defined as a set of interconnected components designed to support decision-making and drive organizational operations. PT Asuransi Takaful Keluarga utilizes an information system in the form of the Takaful eCard mobile application, which facilitates registration and access to outpatient and inpatient insurance services at partner hospitals. Over time, several usability issues have emerged related to the application's user interface (UI) and user experience (UX). To evaluate user satisfaction and comfort levels, usability testing was conducted using the Heuristic Evaluation method. This method assesses UI design flaws based on 10 established usability principles. The evaluation revealed design issues in (H2) question Q6, (H3) question Q7, and (H10) questions Q27 and Q28. These issues are primarily related to the absence of new feature additions, ineffective message dialog boxes, and the lack of a user guidance module. The findings highlight the need for UI/UX improvements to enhance user interaction with the Takaful eCard application.

In the era of rapid digitalization, the utilization of information technology in human resource management has become increasingly essential. This study examines the implementation of the Mekari Talenta digital attendance system in managing employee attendance administration at PT Hutama Marga Waskita. The objective of this research is to understand the extent of the system's application within the company, identify challenges encountered during its implementation, and explore the strategies employed to overcome these obstacles. Data were collected through interviews, observations, and documentation, involving both primary and secondary sources to gain a comprehensive understanding. The findings reveal that the transition from manual to digital attendance systems presents several challenges, including user negligence in recording attendance, an organizational culture that is not yet fully adaptive to digital systems, and the absence of automatic reminder features. Despite these challenges, the system offers significant benefits such as expediting attendance recap processes, integration with payroll, and providing flexible access to attendance through mobile devices. This research contributes to the existing literature on digital attendance management and provides recommendations for optimizing the use of digital attendance systems in modern workplaces.  

Pulmonary tuberculosis (TB) remains a major public health concern in Indonesia. Active family involvement in both prevention and treatment is crucial; however, many families have yet to fulfill their health-related responsibilities effectively. This study aimed to evaluate the effect of health education through the IKAT TB (Tuberculosis Health Information) application on family health responsibilities in the prevention and treatment of pulmonary TB. A pre-experimental design with a one-group pretest-posttest approach was used. The sample consisted of 46 respondents selected through total sampling. The intervention involved providing education via the IKAT TB application, and data were collected using a family health responsibility questionnaire. Data were analyzed using the Wilcoxon Signed Rank Test. The results showed an increase in family health responsibility scores following the educational intervention. The Wilcoxon test produced a p-value of 0.000 (p < 0.05), indicating a significant difference between pre- and post-intervention scores. The findings suggest that health education delivered through the IKAT TB application is effective in enhancing family engagement in TB prevention and treatment. Digital media platforms such as mobile applications offer accessible information and can strengthen family involvement in TB care.

The digitalization of cultural preservation through education is crucial in the digital era. The Betawi Cultural Community, Sanggar Bale Bambu in Depok, West Java, faces challenges in introducing Betawi culture to the public, particularly in the documentation and management of cultural services. Although many studies on cultural digitalization exist, few educational applications directly collaborate with cultural communities and support cultural services. This study aims to design the User Interface (UI) and User Experience (UX) of a mobile application as a learning medium for Betawi culture and cultural services, beginning with user needs identification to minimize development errors. The method used is Design Thinking, which emphasizes empathetic understanding of user needs and produces innovative solutions. The research process includes problem formulation, empathy, ideation, responsive prototyping using Figma, and qualitative Usability Testing. The result is an application Prototype with six main educational features: pencak silat, ondel-ondel, Betawi music, Betawi accessories, lenong, and palang pintu. Testing showed that the application is easy to use, informative, and effective as a digital medium for introducing Betawi culture. Further research can continue with in-depth quantitative Testing, back-end integration, and broader user Testing for additional validation.

This study aims to improve business process efficiency in the PLN Mobile application through the implementation of Business Process Model and Notation (BPMN). PLN Mobile is a digital innovation by PT PLN (Persero) that allows customers to access services such as bill payment, outage reporting, and service requests. However, various challenges remain, including slow processing times, lack of system integration, and inefficient workflows. The research was conducted at PT PLN (Persero) UP2D S2JB using observation, interviews, and literature review. The results indicate that modeling business processes using BPMN effectively maps workflows, identifies bottlenecks, and offers digital-based solutions. The application of BPMN has been shown to increase transparency, reduce input errors, and accelerate customer service processes. This study recommends ongoing optimization through enhanced analytics features, system security, and regular training for operational staff.

This study aims to design and develop a pipeline leakage detection system based on the Internet of Things (IoT) that provides real-time notifications and determines the location of leaks with high accuracy. Pipeline leakage is a serious issue, as it can lead to water wastage, environmental damage, and high maintenance costs. Therefore, a system that can detect leaks quickly and accurately is crucial for improving the efficiency of pipeline infrastructure management. The system developed in this study uses an ESP32 microcontroller, Waterflow sensor, and GPS module. The ESP32 microcontroller serves as the central processing unit that processes the data received from the Waterflow sensor and the GPS module. The Waterflow sensor detects changes in water flow that indicate a leak in the pipeline. When an abnormal reduction in flow is detected, the sensor sends a signal to the microcontroller. The GPS module then provides location coordinates, pinpointing the exact location of the leak, allowing the maintenance team to quickly address the issue. Additionally, the system is integrated with the Blynk application, which enables remote monitoring through a mobile device. The Blynk application provides a user interface that facilitates the monitoring of pipeline status and delivers notifications whenever a leak is detected. Testing results show that the IoT-based leakage detection system is capable of identifying leaks and sending real-time information with good accuracy. With this system, the process of identifying and addressing pipeline leaks can be done faster and more efficiently, ultimately reducing the losses caused by leakage. The system also offers a more effective solution for pipeline maintenance, improving the reliability of water distribution systems and reducing water resource wastage.

The rapid development of information and communication technology has opened up significant opportunities to enhance service efficiency in various fields, including the beauty industry. Soraaya Studio, which offers a range of beauty services, currently still manages appointment scheduling manually. This manual system leads to several challenges, such as difficulties in efficient schedule management, data duplication, recording errors, and disorganization in the service reservation process. Furthermore, communication with customers regarding schedule confirmation becomes less effective. With the increasing number of customers, this manual scheduling system is no longer able to meet the growing complexity of operational needs.To address these issues, a web-based appointment scheduling system has been designed, which is integrated and user-friendly. This system is built using the PHP programming language with a MySQL database and features a responsive interface, making it easily accessible from various devices, including desktops and mobiles. Key functionalities provided include real-time creation, modification, and cancellation of appointments, management of service availability, and automated notifications via email or text messages to customers and studio staff. The implementation of this system aims to improve the accuracy and speed of the scheduling process, reduce manual errors, and facilitate schedule monitoring by management and staff, thereby enabling Soraaya Studio to provide a more professional and satisfying service to its customers.

The National Health Insurance (JKN) program is a strategic initiative by the Indonesian government to ensure accessible and affordable healthcare for all citizens. Based on literature review and analysis of secondary data, the JKN program significantly contributes to reducing direct household health expenditures (Out-of-Pocket/OOP), particularly among low-income and vulnerable populations. However, several challenges remain, including additional outlays for uncovered services such as non-generic medications and inpatient class upgrades, as well as limitations in health infrastructure. Furthermore, the integration of digital technology through the JKN Mobile application demonstrates a high level of effectiveness in administrative efficiency and user participation. This platform has expanded healthcare accessibility and improved user satisfaction, although digital literacy and technological disparities persist. Hence, strengthening technology-based policies and conducting regular evaluations are essential for ensuring the sustainability and equity of the JKN program implementation.

Tourism plays an important role in the economic growth of Bengkalis District, but limited access to hotel and lodging information poses challenges for travelers. This study develops a mobile application to simplify accommodation searches with a feature that finds the nearest route using the A* algorithm. The algorithm calculates the optimal route based on selected transportation options, such as walking, motorbike, or car, making travel more efficient. Testing results show that the A* algorithm provides more accurate routes compared to conventional methods, with an average response time of 4.9 seconds and 95% accuracy, compared to Google Maps, which has a response time of 6.2 seconds and 90% accuracy. This app also provides information about hotel facilities, prices, and contact details, helping travelers choose accommodations. With this application, travelers can quickly find accommodations, while hotel managers gain increased visibility. This research supports Bengkalis' tourism sector with a technology-based solution that facilitates information access and trip planning. Future updates may include booking and payment features to enhance the app's functionality.

This study examined the role of mobile-based language learning applications, particularly Duolingo, in supporting self-directed English language learning. Using a qualitative approach through literature review, this research analyzed various academic studies published between 2018 and 2024 that focused on the effectiveness of Duolingo in improving vocabulary, grammar, and learning motivation. The results indicated that Duolingo helped learners develop consistent study habits and fostered autonomy through its gamified features. In addition, the app offered a flexible and engaging learning environment. However, limitations were found in speaking skill development and social interaction, which the application did not fully support. Overall, Duolingo serves as a useful supplementary tool in learning English, but it should be combined with other methods for more comprehensive outcomes.

The development of mobile technology provides new opportunities for independent English learning through digital applications. This community service research aims to implement training on the use of Duolingo and HelloTalk English applications at Leona High School, Lotas Village, Rinhat District. The training was conducted in two weeks, combining lecture methods, demonstrations, direct practice, group discussions, and evaluation through pre-tests and post-tests. The results showed an increase in the average score from 55 to 78 (p < 0.001), with 72% of participants consistently studying daily during the training. In addition to improving basic English skills (vocabulary, reading comprehension, and sentence structure), the training also succeeded in building independent learning habits and digital literacy. Obstacles emerged, especially internet access and limited premium features on some applications. Advanced programs (advanced grammar & speaking), mentoring, and provision of digital infrastructure support are recommended

This study examines the impact of the SiPanjol Mobile application on tax compliance among trestaurant taxpayers in Mojokerto Regency. The digital tax payment service helps address common issues in manual systems, such as delayed reporting and lack of transparency. Using a qualitative descriptive approach, data were gathered through interviews and field observations. The findings indicate that the application simplifies reporting and payment processes while promoting voluntary compliance. Overall, SiPanjol Mobile contributes to a more accessible and transparent local tax system.

The digital era brings new challenges and opportunities in Arabic language learning, so the development of innovative and adaptive curriculum-based teaching materials is very important. This article discusses innovations in the development of Arabic language teaching materials that utilize digital technology, such as multimedia, mobile applications, and interactive e-learning platforms, to create a more effective, engaging, and contextual learning experience. With a qualitative approach and case studies in secondary education environments, this study shows that the integration of technology in teaching materials can increase students' interest, motivation, and understanding of Arabic. In addition, this article identifies various obstacles, such as limited infrastructure and teacher readiness, and provides recommendations for sustainable development that is inclusive and responsive to the needs of the times. These findings are expected to be the basis for the development of Arabic language teaching materials that are relevant to the curriculum and able to answer the demands of learning in the digital era.

KSPPS BMT Dana Mentari Purwokerto faces tight competition with other cooperatives such as PNM Mekar Sudagaran Sidareja in supporting MSMEs through sharia financing. This study analyzes the competitive position of BMT Dana Mentari using the Competitive Profile Matrix (CPM) and formulates a sharia-based business strategy. A descriptive qualitative approach is applied with data from interviews (May 2025), observations, and documents (OJK, 2025). The CPM results show that BMT Dana Mentari has a score of 3.25, superior to PNM Mekar (3.05), with strengths in sharia compliance and personal service. The main weakness is digital technology. The proposed strategies include digitalization of mobile applications (2026) and development of musyarakah products, in accordance with the itsar principle. This study provides guidance for sharia cooperatives to increase the competitiveness and empowerment of MSMEs.

This study aims to analyze the comparison of features and data integration between two mobile banking applications by Bank Syariah Indonesia, namely BSI Mobile and BYOND by BSI, in enhancing banking transaction convenience. The research method employed is descriptive qualitative through a literature review from various relevant sources. The results show that BYOND by BSI adopts a more modern data integration system using microservices architecture and open APIs, thus providing better transaction convenience and security compared to BSI Mobile, which still relies on a centralized system. Innovative features such as biometric authentication, QRIS, and a more intuitive user interface further enhance the digital banking experience for customers. However, BYOND by BSI still faces performance challenges, particularly in transaction speed, as the application experiences delays (lag) in several features that may reduce user comfort. The study concludes that BYOND by BSI is superior in facilitating banking transactions compared to BSI Mobile. It is recommended that future research be conducted using a quantitative approach to directly evaluate user experience in a more comprehensive manner.

The advancement of Internet of Things (IoT) technology has significantly transformed traditional homes into intelligent living environments. This study presents the implementation of a smart home automation system utilizing IoT components to control and monitor household devices remotely. The system integrates NodeMCU ESP8266 microcontrollers, sensors (temperature, motion, light), and actuators (relays for lights, fans, and appliances) which are connected through a Wi-Fi network. A mobile application is developed to enable real-time control and monitoring, enhancing user convenience, energy efficiency, and home security. The system also includes automated scenarios such as turning off lights when no motion is detected or adjusting ventilation based on temperature. Testing results show that the system responds within an average delay of less than 1.5 seconds and maintains stable performance across various network conditions. The findings confirm that IoT-based home automation offers a scalable, cost-effective solution to improve the quality of life and resource management. This study contributes to the development of sustainable and intelligent home systems for modern living.