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Credit approval prediction is one of the critical challenges in the financial industry, where the accuracy and efficiency of credit decision-making can significantly affect business risk. This study proposes an outlier detection method using the Gaussian Mixture Model (GMM) combined with Extreme Gradient Boosting (XGBoost) to improve prediction accuracy. GMM is used to detect outliers with a probabilistic approach, allowing for finer-grained anomaly identification compared to distance- or density-based methods. Furthermore, the data cleaned through GMM is processed using XGBoost, a decision tree-based boosting algorithm that efficiently handles complex datasets. This study compares the performance of XGBoost with various outlier detection methods, such as LOF, CBLOF, DBSCAN, IF, and K-Means, as well as various other classification algorithms based on machine learning and deep learning. Experimental results show that the combination of GMM and XGBoost provides the best performance with an accuracy of 95.493%, a recall of 91.650%, and an AUC of 95.145%, outperforming other models in the context of credit approval prediction on an imbalanced dataset. The proposed method has been proven to reduce prediction errors and improve the model's reliability in detecting eligible credit applications.

Drought is a hydrometeorological disaster that significantly affects water availability and agricultural activities. Pesisir Selatan Regency has diverse topographic conditions that influence the level of vulnerability to drought, thereby requiring a comprehensive spatial analysis. This study aims to map drought risk by integrating slope steepness with other biophysical parameters using Geographic Information Systems (GIS). The data employed include slope maps derived from DEMNAS, rainfall data (CHIRPS 2024), soil types, land use, and river networks. The analysis was conducted through scoring and overlay methods to produce a drought risk map. The results indicate that areas with very steep slopes (>45%) have a high level of vulnerability due to surface runoff dominance and low infiltration capacity, particularly in Bayang Utara District. In contrast, flat to gently sloping areas dominated by rice fields and forest cover are relatively low-risk. Overall, drought risk in the region is classified into three categories: low, medium, and high. The resulting maps can serve as a basis for local governments in developing spatial planning policies, water conservation infrastructure, and disaster mitigation strategies that are more adaptive and sustainable.

This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

In the current digital era, cybersecurity of data and information systems. The threat of  attacks, or , is a form of threat that continues to grow along with advances in technology. This research aims to learn about cybersecurity strategies in dealing with . The method used in this research is a literature review. This journal was prepared based on an analysis of research results from various journals accessed through secondary data sources, namely the Google Scholar database, and e-resources from Springer, Cambridge, and Taylor and Francis. The research results show that implementing technology such as encryption, multifactor authentication, and user training, are some of the effective steps that have been proven to reduce risk. However, challenges in implementing this strategy remain, both from a technical and non-technical perspective, which require special attention from researchers and practitioners in the field of cyber security.

Customer segmentation plays a pivotal role in driving marketing strategies and improving customer retention across various industries. This study explores the application of the RFM (Recency, Frequency, Monetary) model for customer segmentation in a Software-as-a-Service (SaaS) business, using Python for efficient data processing and analysis. By analyzing one year of customer purchase data, we segmented customers into key groups such as "Champions," "Loyal Customers," and "At Risk." The results highlight that targeted discount strategies significantly affect profitability, especially for high-value customer segments. Furthermore, the research builds upon existing methodologies, demonstrating how Python-based implementations streamline RFM analysis and allow for scalable solutions in business contexts, as illustrated in prior works by Hermawan et al. (2024). This study offers actionable recommendations, including tailored discounting, loyalty programs, and personalized engagement strategies, to enhance customer retention and business profitability. The findings underscore the importance of data-driven marketing approaches for customer segmentation and engagement, reinforcing the relevance of the RFM model in modern business environments.

This study aims to optimize marketing strategies through RFM (Recency, Frequency, Monetary) analysis on a retail transaction dataset obtained from Kaggle. The dataset contains 64,682 transactions from 5,242 SKUs involving 22,625 customers over one year. Data cleaning and RFM analysis were conducted to segment customers based on recency, frequency, and monetary values. The findings reveal that customers were segmented into groups such as Champions, Loyal Customers, and At Risk. These segments provide valuable insights for developing targeted marketing strategies, such as loyalty programs for high-value customers and retention campaigns for at-risk customers. The study demonstrates that RFM analysis is effective in identifying valuable customer segments and optimizing marketing efforts based on customer behavior. This approach can increase customer retention and improve the return on investment (ROI) in marketing campaigns.

Financial conglomerates are considered to have a significant role in a country’s economy. A well-developed financial conglomerate will bring economy’s positive growth. However, when one collapses, systemic risk cannot be avoided to the financial system. The study conducts a comparative analysis of financial conglomerates/financial holding companies policies in six countries: Indonesia, South Korea, Taiwan, Malaysia, Singapore, and Australia. Furthermore, the research examines the literature review method of financial conglomerates criteria, structure, synergy, intragroup transactions, and data protection. In general, the requirements of financial conglomerates within research sample countries align with the Joint Forum. Indonesia is still developing the financial conglomerate’s minimum assets and members. Singapore is more concerned with a portion of assets, capital, liabilities, or income, while Taiwan regulates the total assets and paid-in capital. Malaysia regulates strictly with specific minimum ownership, while Australia focuses more on transaction materiality. The synergy among members of financial conglomerates may improve efficiency—however, the intragroup transactions raise systemic risk. Consumer data protection should be considered when financial conglomerates conduct cross-selling. From this study, policymakers should enhance their policies so that financial conglomerates take more advantage of generating the country’s economy while managing challenges to the financial system’s stability.

Workshop PT. XYZ is a part of a company that carries out activities in the field of maintenance and repair, especially hydraulic, pneumatic and lubrication equipment. These workshop activities include welding activities, operating machine tools and other mechanical work. This study aims to determine the value of the potential risk of occupational hazards and the level of risk of potential occupational hazards at PT. XYZ in the workshop area. This study uses an approach with the HIRA (Hazard Identification and Risk Assessment) method to determine the value of the risk of occupational hazards and the level of risk of potential occupational hazards. The results obtained by using HIRA (hazard identification and risk assessment) were obtained as many as 29 risks which were classified based on potential hazards, namely 28% extreme risk, 41% high risk, moderate risk of 31% and there is no low risk. Improvement recommendations are made based on the level of extreme risk (extreme risk) and high risk (high risk) to prevent and reduce the level of risk of work accidents in the workshop area, while for the moderate risk level, the mitigation recommendation is to supervise the work and make an SWI (simplified working instruction) to make it easier for workers to understand safe and correct work procedures.

Stroke is a fuctional disorder tahat manifest as nerve paralysis, resulting from either an obstruction of blood flow to the brain due to a lock of oxygen or a cessation of blood supply due to blockage or bleeding. The risk factors are blood pressure, cholesterol, history of diabetes mellitus, history of smooking, atrial fibrillation, body mass index, physical activity, and family history of stroke. This study aims to determine the factors associated with stroke incidence. This typeof researchis descriptive and has a retrospective study design. The sampling technique used was accidental sampling wit a sample size of 60 respondents, where the population was 4355stroke patients. The research results used the stroke risk scorecard (SRSC)measuring tool. The statistical is Chi-square. The research results showed that the majority of respondents were erderly, aged 46-65 tahun years (80,0%), male (50,0%), female (50,0%) and had comorbid hypertension (56,7%). N  The Chi-square test revealed several risk factors, including blood pressuare, a history ofdiabetes mellitus,smoking history, atrial fibrilation, BMI, and family history of risk. Menwhile, the results of the multiple linear regression test show that the most dominant variable is physical activity, with a standardized cooefficient betta valueof 0,366. It is hoped that the results of this research can be used as a basis for input for health servise providers to provide comprehensive nursing care for stroke patients.  

The construction of a high-rise building is a construction project that can be said to have high risk factors so that it will have a negative effect on the project schedule, quality, and costs needed. Project risk management analysis is needed to control risks and to determine risk handling to prevent the occurrence of dominant risks in construction projects. In this study, primary data collection was carried out by distributing questionnaires, while secondary data was obtained through data from projects and literature studies. The data obtained from the questionnaire will be analyzed for risk variables using the Severity Index (SI) method. Meanwhile, the risk level analysis uses the Probability Impact Matrix (PIM). The results of the analysis show that there is a dominant risk that has the most influence on the time aspect is the risk of delay in material delivery with a high level of risk. The dominant risk that has the most influence on the cost aspect is the occurrence of equipment damage while working with a medium risk level. The dominant risk that has the most influence on the quality aspect is that the quality of the material is not in accordance with the quality specifications with a medium risk level.

Premenopause is a transitional period between the reproductive period and the elderly which is physiological and occurs around age of 45-55 years. Conditions premenopause phase are caused by hormone changes, decreased levels of hormone estrogen. Hormone estrogen functions to regulate balance of body fat and maintain lipolysis in fat tissue and can also prevent in blood by increasing HDL cholesterol levels and reducing triglyceride levels. Atherogenic Index (IA) is a new marker to measure level of atherogenicity directly related to the risk of atherosclerosis  calculated from the Log ratio (TG/HDL-c). This research aims to determine the risk profile of Coronary Heart Disease (CHD) in premenopausal women using lipid profile ratios. This study used an analytical method with a cross sectional approach. From 40 subjects who met research criteria, atherogenic index result in low risk category were 6 (15%) people, medium risk 21 (52.5%) people, and high risk 13 (32.5%) people. Based on the research it can be concluded the atherogenic index in premenopause women is 0.27 which the high risk.

Quality risk management is one of the important things in quality control in a pharmaceutical industry. One of the risky activities in the pharmaceutical industry is in storage and distribution. Every activity carried out in the inventory warehouse can potentially cause risks that affect quality including the flow of the storage and distribution process of goods. Based on this, a study was conducted in the form of a risk assessment on the flow of the storage and distribution process of release goods in the inventory warehouse of a pharmaceutical industry in Bandung which aims to determine the level of risk that has the potential for failure. The FMEA (Failure Modes and Effects Analysis) method is a method that can be used to assess the risks that can occur in the flow of the storage and delivery process of goods in the warehouse. This risk assessment is carried out with the stages of risk identification, risk analysis, and risk evaluation using categorization based on the Risk Priority Number (RPN). In this study, 15 risks were obtained with details of 1 low category risk, 7 medium category risks, 6 high category risks, and 1 very high category risk. Therefore, the pharmaceutical industry can immediately determine mitigation steps and take control measures against risks in the high and very high categories to reduce the risk of failure with the hope that the quality, safety and efficacy of the product can be maintained properly

This study aims to analyze the impact of administering commercial probiotic bacteria on the wastewater from tofu industries on changes in Bio-logical Oxygen Demand (BOD) and Dissolved Oxygen (DO) levels. Tofu industry wastewater is known to have high BOD and low DO levels, which pose a potential environmental pollution risk. This study used a pure experimental method with variables including the ratio of tofu industry wastewater to commercial probiotics (1:1, 1:2, 1:3) with an incubation interval of 8 hours. The results showed that the administration of commercial probiotic bacteria significantly reduced BOD levels and increased DO levels in the wastewater. The 1:3 ratio of tofu industry wastewater to commercial probiotics showed the most optimal effect in increasing DO and decreasing BOD. An incubation time of 32 hours showed the most optimal effect in increasing DO and decreasing BOD. The 1:3 volume ratio between tofu wastewater and probiotics (25% tofu wastewater and 75% probiotics) proved to be the most effective, with the highest DO increase of 2.51 mg/L and the largest BOD decrease of 144.20 mg/L. In addition, incubation time also had a significant effect, the longer the incubation time, the more optimal the probiotic activity in reducing BOD levels and increasing DO levels. The conclusion of this study is that the administration of commercial probiotic bacteria at a 1:3 ratio and an incubation time of 32 hours is an effective way to improve the quality of tofu industry wastewater.

Indonesia has very diverse geographical conditions and regional landscapes, this causes Indonesia to have a very high risk of vulnerability to natural disasters. According to the international body that handles disaster risk, namely the United Nations Office for Disaster Risk Reduction (UNISDR), Indonesia is an area with very high disaster risk. Regarding the occurrence of natural disasters, of course there is a need for a disaster management system that goes through several stages and is carried out with the aim of reducing the risk of disasters occurring.

MSMEs that were once considered economically resilient during times of crisis were found to have a higher vulnerability to experiencing losses than large companies. This vulnerability is due to financial and non-financial constraints. Specifically, these obstacles are classified into operational risk, financial risk, and marketing risk. This activity aims to increase the knowledge and understanding of MSME players regarding HR and financial management to minimize operational and financial risks. This activity uses the methods of Counseling and Education as well as Mentoring and Coaching. The result is that this activity can be carried out successfully. Successful implementation is marked by the division of employee duties so that each employee has their responsibility for a job which can lead to increased employee performance. Apart from that, partners already understand the importance of financial management and its relevance for business development and decision-making. However, partners still do not know how to prepare financial reports by MSME).

This study analyzes the characteristics, risk, and return of stocks and bonds in Indonesia. The data used is historical data on stock and bond prices traded on the IDX during a 10-year period, from 2014 to 2024. The analysis methods used are descriptive analysis, t-test, ANOVA, and multiple linear regression. The results of the study show that stocks offer the potential for higher returns than bonds, but also with higher risk. Bonds offer better income stability and lower risk than stocks. The investment decision between stocks and bonds depends on the individual's risk profile and investment goals. Diversification remains an important investment strategy, regardless of risk profile.

The purpose of this research is to analyze and determine possible risks that occur in car rental services, making it easier for companies to take action to prevent risks that can occur at CV Mawar Rental Car. The risks that arise come from internal factors that cause this company to experience losses. This research uses a quantitative research approach. The research location is on Jalan Setia Budi No. 12, Medan, North Sumatra. The data collection techniques used in this research were kuesioner. from the results of research at CV. Mawar Rental Car, the first thing to do is identify risks originating from operational risk, financial risk, external risk.

This study aims to analyze the impact of globalization on corporate financial risk, focusing on exchange rate risk, interest rate risk, and country risk. The research employs a quantitative method, utilizing data from the annual financial reports of multinational companies listed on stock exchanges from 2010 to 2020. Data analysis is conducted using descriptive and inferential statistical techniques, including multiple regression to evaluate the relationship between independent variables (globalization factors such as exports, imports, and foreign direct investment) and dependent variables (levels of financial risk faced by companies). The findings indicate that globalization significantly influences these three types of financial risk. Companies involved in international trade tend to face greater exchange rate fluctuations, dynamic interest rate changes, and higher country risk compared to companies operating in domestic markets. To manage these risks, companies need to develop comprehensive risk management strategies, including the use of derivative instruments, thorough political and economic risk analysis, and investment in advanced technologies. Continuous training and fostering a strong risk culture within the organization are also critical factors in effective risk management. This study provides in-depth insights into how globalization affects corporate financial risk and offers strategic recommendations to enhance financial resilience in a global context.

Entrepreneurship is the process of creating, developing, and managing a new business, often starting from an idea or concept and evolving into a sustainable business. An entrepreneur is an individual who establishes, manages, and grows a business or venture with the aim of creating added value, generating profit, and managing risk. Engaging in entrepreneurship in a village offers many unique opportunities, particularly because of the distinct advantages and challenges compared to an urban environment. The village of Bobotsari in Purbalingga Regency, Central Java, has various potentials that can be developed to bussiness ventures to enhance the well-being of the community and the village economy

The purpose of this study is to assess the comparative financial performance between conventional and Islamic banks in Indonesia by considering factors such as profitability, liquidity, operational efficiency, and credit risk. Using a qualitative approach and literature review method from various credible sources, the results show that conventional banks tend to use ROA, ROE, CIR, and NIM as the main profitability indicators; Islamic banks also use NPF and FDR. CAR and NIM affect Islamic banks' profitability positively against ROA, while BOPO affects conventional banks' ROA negatively. In terms of liquidity, Islamic banks have an advantage due to the yield principle applied. This is indicated by the current ratio, quick ratio, money ratio, and loan-to-deposit ratio, which show their ability to meet short-term obligations better compared to conventional banks. BOPO shows the operational efficiency of Islamic banks thanks to the principles of fairness and sustainability, while conventional banks excel in revenue management from assets and investor capital. The profit-sharing system in Islamic banks lowers credit risk compared to conventional banks. Although the operating principles of the two types of banking are different, this study found that each type of banking exhibits strengths and weaknesses in terms of profitability, liquidity, efficiency, and credit risk. It is hoped that these results will aid the growth of the Indonesian banking industry and help bank management and relevant stakeholders make informed decisions.