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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.

Digitalization has been a key catalyst for change in the global business landscape, driving the transformation of companies' strategies, organizational structures, and operational models. For small and medium enterprises (SMEs), digital technology opens up great opportunities to expand market reach and compete in the international arena more effectively. Technologies such as e-commerce, social media, big data analytics, and cloud-based platforms enable SMEs to break through geographical boundaries, facilitate access to global customers, and accelerate product distribution and marketing processes. This paper explores the current academic literature that discusses the influence of digital technology on the internationalization of SMEs. A total of five relevant studies were analyzed to identify common patterns, challenges, and successful strategies in the use of digital technology. The results of the study show that the adoption of digitalization not only improves operational cost efficiency, but also encourages business model innovation, such as digital platform-based marketing, cross-border virtual collaboration, and the development of a more adaptive global business ecosystem. In addition, the ability to utilize digital technology gives SMEs a competitive advantage through access to real-time market information, personalization of offers, and more targeted branding strategies. However, the research also found obstacles, such as limited human resources, technological infrastructure, and digital literacy among SMEs. Therefore, synergy is needed between business actors, the government, and academia to support the acceleration of digital technology adoption through training, mentoring, and policies that support innovation. The paper also highlights future research opportunities, such as the integration of artificial intelligence (AI) technologies, automation, and blockchain in supporting the global expansion of SMEs. These findings are expected to be a strategic reference in designing sustainable internationalization policies in the digital era.

The rapid development of information technology has had a significant impact on various sectors of life, including micro-enterprises such as meatball stalls. Amidst increasingly fierce competition and the need for operational efficiency, many micro-enterprises are shifting from manual management systems to digital systems. This study aims to explain the background, objectives, and benefits of utilizing information technology in managing meatball stalls, with a focus on the implementation of the Odoo application as a business management solution. Odoo is an open-source Enterprise Resource Planning (ERP) system that offers various functional modules such as Point of Sale (POS), inventory management, accounting, and Customer Relationship Management (CRM). Through the implementation of Odoo, meatball stalls can manage various operational aspects in an integrated manner, from recording sales transactions, managing raw material stock, financial reporting, to customer relations. The results of this technology implementation show significant improvements in data recording accuracy, service speed, and ease of decision-making based on accurate and real-time data. In addition, this technology also provides opportunities for stall owners to develop their businesses more professionally and competitively. Thus, the integration of information technology like Odoo not only improves efficiency and productivity but also contributes to economic growth by strengthening the micro-enterprise sector. This digital transformation is expected to be a strategic step in realizing a modern meatball stall that can compete in the digital era.

Inadequate preparation of cargo hold spaces can lead to delays in loading operations, resulting in time losses and disruptions in operational efficiency. The cleaning of cargo holds must comply with company regulations and the Maritime Labour Convention; however, it often extends beyond crew working hours due to time constraints and insufficient equipment. This study aims to evaluate the cleaning procedures for cargo holds on the MV Golden Destiny. A descriptive qualitative research method was employed, utilizing both primary and secondary data collected through direct observation, interviews, documentation, and literature review. Data were analyzed qualitatively with validity assessed using triangulation techniques and source triangulation. The findings indicate that cargo hold cleaning on the MV Golden Destiny adheres to Standard Operating Procedures (SOP) comprising pre-wash, wash, and post-wash stages, supervised by the Chief Officer, and meets National Sanitary Authorities (SENASA) standards. The process encountered challenges, including limited cleaning equipment and time constraints. The effort to these challenges included procuring new equipment, regular maintenance of cleaning tools, and enhancing crew coordination.

Load handling is all the processes and action taken to move, store and protect goods or products from one place to another. The many risks that occur such as imbalance of cargo will affect the stability of the ship, inefficient waiting time, and potential risks to the safety of the crew. Understanding of cargo handling is done to optimize ship operational performance, reduce waiting time during loading and unloading and minimize the risk of applied scientific work is qualitative by gaining an indepth understanding of the experiences and views where observations are made that occur during the operational activities of the ship which is the object of research. This research provides a conclusion that cargo handling is very influential on the smooth operation of the ship and the safety of everyone on board. Maintenance of safety equipment and socialization of the crew about the importance of safety will be every helpful for smoothness during the loading and unloading process.

This study aims to identify risk management processes and analyze management strategies that can be implemented by Pineapple Chips MSMEs in Kualu Nenas Village. The approach refers to the ISO 31000 framework, which includes risk identification, analysis, evaluation, and management. The results show that the most significant risks are in the high category, especially financial and operational risks, such as fluctuations in raw material prices, product damage due to improper storage, and limited human resources in marketing and production management. To minimize the impact of risks, a thorough analysis and appropriate mitigation strategies are required. The implementation of systematic risk management is considered capable of reducing potential losses, increasing business resilience, and strengthening the position of MSMEs in facing market dynamics. This approach is also crucial in maintaining business continuity, increasing consumer trust, and maintaining business reputation.  

This study focuses on developing a web-based Research and Community Service Information System (SIPPMAS) for Politeknik Takumi Bekasi, utilizing the Waterfall methodology. The aim is to create an integrated platform that streamlines the management of research and community service activities, from proposal submission and budget allocation to project execution and final reporting. The Waterfall method was chosen for its structured, sequential approach, ensuring a systematic development process through distinct phases: requirements analysis, design, implementation, testing, and maintenance. This approach is expected to enhance data accuracy, improve operational efficiency, and provide real-time project monitoring, ultimately facilitating better collaboration among stakeholders and increasing the overall impact of research and community service initiatives at Politeknik Takumi Bekasi. The system is designed to address current manual administrative challenges, offering a centralized and accessible solution for all users.

This study aims to analyze interest rate risk management in Micro, Small, and Medium Enterprises (MSMEs) that use People's Business Credit (KUR) facilities, with a case study at the Kari Water Drinking Water Depot in Kulim District, Pekanbaru City. Fluctuations in interest rates are one of the financial risks that can affect the continuity of MSME businesses, especially in terms of the ability to pay credit obligations. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study indicate that the Kari Water Depot faces financial risks due to interest rate fluctuations, operational risks related to water distribution and quality, and legal risks due to drinking water quality regulations. The application of risk management based on ISO 31000 has been proven to help in the process of systematic risk identification, analysis, and mitigation. The mitigation strategy through investment in Reverse Osmosis (RO) technology is considered effective because it can improve product quality and operational efficiency. However, the success of this strategy is greatly influenced by the readiness of human resources, access to financing, and mature risk planning. This study recommends the importance of risk management training for MSMEs and policy support in the form of access to affordable funding and environmentally friendly technology to improve the competitiveness and sustainability of MSMEs amidst economic dynamics.

This study aims to determine the effect of Credit Risk, Liquidity Risk, and Operational Efficiency on Financial Performance in the Conventional Banking Sector listed on the Indonesia Stock Exchange for the period 2019-2023. The research method used is quantitative using secondary data obtained from the Indonesia Stock Exchange, namely the annual financial reports of conventional banks. The sampling technique was carried out using the purposive sampling method. The analysis was carried out with credit risk using the Net Performing Loan (NPL) ratio, liquidity risk using the Loan to Deposits Ratio (LDR) ratio, operational efficiency using the Operating Expenses to Operating Income (BOPO) ratio and financial performance was measured using Return On Assets (ROA). The results of the study showed that partially the credit risk variable had a significant negative effect on financial performance, liquidity risk did not have a significant effect on financial performance, operational efficiency did not have a significant effect on financial performance. Simultaneously, credit risk, liquidity risk, operational efficiency had a significant effect on financial performance.

A 300 kVA generator set is an important tool as a backup power source in many sectors. Manual monitoring of generator set performance is often inefficient and can cause delays in detecting problems. Various advances in Internet of Things (IoT) technology have enabled the design of remote monitoring systems to overcome these limitations. This study aims to develop an IoT-based monitoring tool capable of monitoring important generator set parameters such as voltage, current, power, and engine temperature in real-time. This will enhance generator set management efficiency and reduce the risk of damage. The method used is an experimental approach involving the creation of an IoT-based monitoring system prototype. Operational data from the generator set is collected using sensors and then transmitted to an IoT platform for analysis. This research uses PZEM-004T sensors to monitor parameters such as power, current, and voltage. RTD PT100 sensors monitor parameters such as engine temperature, oil temperature, and turbo temperature. Honeywell PX3 sensors monitor oil pressure. Honeywell 1GT101DC sensors monitor engine speed. The results of the study show that the device works well with an average error of 0.76% from the sensors used. The greater the distance between the Wi-Fi modem and the device, the slower the data response speed.

 The increasing use of electric vehicles in last-mile logistics distribution demands efficient and strategic charging infrastructure. This study aims to determine the optimal location for electric vehicle charging stations in Semarang City using the Set Covering Problem approach. A total of 17 last-mile distribution points operated by a logistics company were analyzed based on geographic data consisting of latitude and longitude coordinates, which were then processed into a distance matrix using the Euclidean formula. The optimization model was developed under the constraint of the electric vehicle’s maximum coverage radius and solved using binary linear programming. The analysis revealed that a single charging station located in Central Semarang is sufficient to cover all distribution points spread across the city. These findings reinforce the efficiency of the set covering approach in infrastructure planning and offer practical implications for logistics companies to optimize resources, minimize investment costs, and improve operational efficiency.

Baggage handling is a crucial aspect of airline operations, including the lost and found unit, which handles lost, damaged, exchanged, and found baggage issues. At Juanda International Airport in Surabaya, these issues remain common. This study aims to analyze the performance of Citilink's lost and found officers in handling various baggage issues and evaluate the unit's productivity, efficiency, and effectiveness. The method used was descriptive qualitative research with a case study approach, collecting data through observation, semi-structured interviews with officers, and documenting operational procedures and baggage handling reports. The results indicate that lost and found officers play a crucial role in post-flight service, from receiving reports to providing compensation. Although procedures are carried out according to SOPs, obstacles such as a lack of manpower and a manual reporting system slow down the process. Officer performance is quite good, but efficiency improvements and the use of technology are needed, such as further training and a modern baggage tracking system.  

Digitalization has become the driving force behind transformation in the logistics sector, particularly at seaports, which serve as key nodes in the global supply chain. Indonesian ports face persistent challenges such as high logistics costs and long vessel turnaround times. By implementing digital technologies such as the Port Community System (PCS), Artificial Intelligence (AI), and Blockchain, ports can enhance operational efficiency, accelerate service processes, and improve transparency and accountability. Digital systems also enable real-time integration among stakeholders, contributing to faster cargo flow and reduced national logistics costs. However, the implementation of digitalization is not without significant barriers, including limited information and communication technology (ICT) infrastructure, low digital competencies among the workforce, and high initial investment costs. Furthermore, ports face organizational cultural resistance to change and cybersecurity risks that threaten operational continuity. Smaller ports in developing countries often struggle to adopt these technologies independently due to budget constraints. To overcome these challenges, synergy between the government, port operators, and technology providers is essential. Programs such as the National Logistic Ecosystem (NLE) represent a strategic step to accelerate sustainable digital adoption. With a holistic approach encompassing technology, human resources, and business processes, digitalization can become a key catalyst in enhancing the competitiveness of Indonesian ports on a global scale.

Hang Nadim International Airport in Batam is a growing air transportation hub, driven by increasing public mobility and aviation activity. Ground handling services in the airside area are crucial, particularly for buses transporting passengers to and from aircraft. However, several issues persist, such as late pick-ups, unsafe bus conditions, and frequent technical disruptions. This study aims to identify the role of PT Lion Group bus drivers in supporting ground handling services and analyze the impact of bus breakdowns on driver performance at the airport. The method used was descriptive qualitative, using observation, interviews, and documentation. Interviews were conducted with drivers, technicians, and Apron Movement Control (AMC) officers to obtain data on technical challenges and operational coordination. Observations were conducted during On-the-Job Training (OJT), and documentation was used to support the validity of the data. The results indicate that bus drivers play a crucial role in ensuring smooth ground handling services, but are frequently hampered by technical breakdowns, such as engine and braking system problems, which impact passenger comfort and On-Time Performance (OTP). Recommendations include improving bus maintenance, providing a backup fleet, and providing technical training for drivers to improve service effectiveness.

Keripik Singkong Alif, a micro-enterprise located in Suka Damai Village, faces challenges in managing human resources due to its traditional and unstructured operational system, leading to inefficiencies and obstacles in business development. To address this issue, socialization and education on Digital Talent Management (DTM) were conducted as a solution to improve HR management through a simple and applicable digital approach. This activity aimed to educate micro-business actors on the importance of talent management. The methods used included field observations, interviews, socialization, training, mentoring, and step-by-step evaluation to ensure that business owners could understand and independently implement the system.  The results of the activity show that the socialization program consisted of several stages, namely observation, problem identification, implementation of socialization and education, and evaluation. Through four days of socialization and education, Keripik Singkong Alif successfully established a clearer division of tasks, recognized employee potential, and agreed on work procedures through the development of a simple Guidebook. The digital approach used effectively raised awareness among business owners about the importance of work documentation and performance evaluation, despite initial challenges in digital literacy.

The Indonesian manufacturing industry is currently facing intense pressure due to global economic fluctuations and domestic volatility, prompting a strategic reassessment of sustainability practices to maintain competitiveness. While firm value reflects investor confidence, discrepancies remain between operational performance and market valuation, particularly in highly profitable firms. This study aims to systematically investigate how internal corporate factors namely dividend policy, firm size, and green accounting influence firm value. Using a Systematic Literature Review (SLR) method, ten journal articles published between 2023 and 2025 were selected based on indexation (SINTA, Scopus, Copernicus), methodological clarity, and variable alignment. The articles were screened and analyzed using content analysis techniques, supported by Microsoft Excel and Mendeley for structured data extraction. The findings reveal that a stable dividend policy serves as a strong signal of financial stability, firm size reinforces strategic positioning and resource capacity, and green accounting strengthens legitimacy through sustainability disclosure. These factors jointly shape market perceptions and ultimately influence firm valuation. The synthesis supports both signal theory and legitimacy theory in explaining the transmission of value through internal policies. This study contributes theoretically by integrating financial and sustainability variables into a unified value framework and offers practical insights for corporate decision-makers seeking to align internal strategies with investor expectations. Limitations include reliance on secondary data and scope restricted to the manufacturing sector. Future studies should explore empirical validation through cross-sectoral analysis and primary data to enrich the findings.

The increasingly rapid development of digital technology is pushing MSMEs to adapt to change to remain competitive in the market. One strategic step that can be taken is to adopt a Management Information Sistem (SIM) to support information management, accelerate decision-making processes, and improve business efficiency. This article examines how MSMEs can optimize the use of MIS in their business activities, highlighting the benefits, challenges, and appropriate implementation strategies. The analysis shows that MSMEs' digital capabilities, human resource training, and the availability of technological infrastructure are critical components in supporting the successful optimization of MIS in the digital era.  

Methane gas detection is crucial in the oil and gas sector to enhance safety and operational efficiency. This study examines the impact of three types of gas detectors—catalytic, infrared, and ultrasonic sensors—on accuracy and response time. The research was conducted at PT PHM's onshore and offshore sites to evaluate sensor performance in operational environments. A quantitative approach with direct field observation was used. Data were collected by measuring methane gas concentrations indicated by detectors, which were then compared to standard gas concentrations. Response times were recorded when the detectors were exposed to methane concentrations of 2.5% LEL until the alarm triggered at 40% of full scale. Data analysis was performed using descriptive statistics, homogeneity test, normality test, ANOVA, and post hoc tests. The results show that the infrared detector had a response time of 2.87 seconds with an accuracy of 0.218%. The catalytic detector had a response time of 8.91 seconds and accuracy of 0.489% and the ultrasonic detector had a response time of 6.15 seconds and accuracy of 0.842%. Overall, the infrared detector demonstrated the best performance in response time and is recommended for use at PT PHM.

Conciliation is one form of Alternative Dispute Resolution (ADR) that holds great potential for resolving disputes efficiently, participatively, and peacefully outside the courtroom. However, in the Indonesian legal practice, the role of conciliation remains limited and is less popular compared to mediation and arbitration. The main obstacles hindering the development of this mechanism include low public and legal practitioners' awareness, the absence of adequate technical regulations, and the lack of professional conciliation institutions. In fact, conciliation aligns well with Indonesia's legal culture that emphasizes deliberation and consensus. The purpose of this article is to examine the effectiveness of the legal framework for conciliation in Indonesia, identify the barriers to its implementation, and formulate strategies to strengthen conciliation within the national legal system. This study employs a normative juridical method with a statutory and doctrinal approach, complemented by analysis of applicable legislation and legal literature. The findings reveal that conciliation lacks a strong and operational legal framework. The absence of procedural standards, supervisory mechanisms, and training systems for conciliators hampers its effectiveness. On the other hand, conciliation has great potential to reduce the burden on courts, expedite dispute resolution, and preserve good relationships between parties. The article concludes that a comprehensive legal reform is urgently needed, including specific regulations, the establishment of independent conciliation institutions, and public education, so that conciliation can play a strategic role in the national dispute resolution system.

Hospital Information Sistems (HIS) integrating Decision Support Sistem (DSS) modules have been proposed to enhance operational efficiency and clinical decision-making in hospital settings. This study conducted a systematic literature review of 80 empirical articles published between January 2020 and May 2025, following PRISMA guidelines, to examine how DSS integration within HIS supports managerial and clinical decisions. Findings indicate that DSS integration improves patient registration speed by an average of 25, reduces medication errors by up to 15, and facilitates resource allocation and performance monitoring via analytic dashboards. Organizational resistance and inadequate IT infrastructure remain significant barriers. These results underscore the importance of designing user-friendly dashboards, implementing transparent inference engines, and adopting comprehensive change management strategies. The study extends the Technology Acceptance Model with a perceived risk construct and offers practical recommendations for developers and hospital managers aiming to optimize HIS–DSS implementation.