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This study aims to analyze the product diversification strategy implemented by Pegadaian Purwokerto Branch and its impact on the company's financial stability. A qualitative descriptive approach was applied using a case study method through structured interviews, direct observations, and internal document analysis. The research also integrates the General Electric (GE) Matrix to map the business strength and market attractiveness of each diversified product. The findings reveal that Pegadaian’s diversified products—such as gold savings, vehicle financing, and Hajj/Umrah financing—have significantly contributed to expanding market reach and increasing revenue. This success is supported by comprehensive feasibility studies, structured risk management systems, and the operational role of branch-level human resources. Nevertheless, challenges remain, particularly in service digitalization and HR readiness. This research contributes both theoretically and practically to product development strategies in financial services, especially for state-owned enterprises seeking sustainable business growth through data-driven diversification.

The rapid digital transformation has had a significant impact on various aspects of life, while simultaneously increasing the complexity of cyber threats faced by nations, including Indonesia. As a country with a high number of internet users, Indonesia is in a vulnerable position regarding cyberattacks that could threaten national stability. This study aims to analyze Indonesia’s national security strategy in responding to cyber threats through a descriptive qualitative approach based on literature review and document analysis. The findings show that Indonesia has implemented various strategic policies, including the establishment of the National Cyber and Crypto Agency (BSSN), the enactment of regulations such as the Personal Data Protection Law, as well as the strengthening of international cooperation, human resource development, and the utilization of security technologies. However, significant challenges such as weak inter-agency coordination, low digital literacy, and limited infrastructure remain major obstacles to effective implementation. This study recommends strengthening governance, increasing institutional capacity, and involving multiple stakeholders to build a national cybersecurity system that is adaptive, inclusive, and sustainable.

Indonesia, as a multicultural archipelagic country, has a big challenge in maintaining the integrity of the nation's unity. Ethnic, cultural, religious, and linguistic diversity is a wealth and a potential for conflict if not managed properly. This article aims to examine how national integration can strengthen the integrity of the Indonesian nation as well as the factors that affect the success of the process. Through the literature review method, this article analyzes the concepts, theories, and determinants of national integration. The results of the study show that national integration plays an important role in strengthening national identity, minimizing social conflicts, and maintaining political stability. Therefore, synergy between elements of the nation is the key to strengthening unity in globalization and global challeng

The State Revenue and Expenditure Budget (APBN) is a fundamental fiscal policy instrument for realizing national development and public welfare. This study aims to analyze the correlation between APBN management and Indonesia’s economic growth, focusing on the effectiveness of government spending and oversight of budget misappropriations. Based on the 2023 audit report by the Supreme Audit Agency (BPK), financial losses due to APBN mismanagement reached IDR 8.2 trillion, highlighting the weakness in financial oversight and transparency. Using a descriptive qualitative approach, this study explores the significance of budget efficiency and the implementation of APBN’s fiscal functions in supporting macroeconomic stability. The findings suggest that government spending significantly influences economic growth, yet its effectiveness is heavily dependent on robust monitoring systems and sound fiscal strategies. Therefore, strengthening fiscal transparency and supervision is crucial to prevent state losses and promote equitable development.

This study aims to determine how nano chitosan is produced through the ionic gelation method. The process of making nano chitosan is carried out using variations in chitosan concentrations of 1%, 5%, and 10%, and using a magnetic stirrer. Morphological tests were carried out using Scanning Electron Microscopy (SEM) to observe the shape and size of the particles formed. The addition of TPP (Trisodium Tripolyphosphate) as a crosslinker and certain surfactants are used to increase particle stability. Treatment for ±2 hours showed optimal results in terms of a more homogeneous particle size distribution. Based on the results of SEM observations, it is known that increasing the concentration and time settings and the use of appropriate surfactants can reduce wrinkles in nano chitosan particles. The particle size obtained is in the range of 278–350 nm. Thus, the ionic gelation method has proven effective in producing uniform nano chitosan and has good morphology for further applications.

The life insurance industry plays a strategic role in the national financial system, not only as a provider of protection against life risks such as premature death or critical illness, but also as an instrument of long-term fund accumulation. Increased public awareness of the importance of risk protection has driven significant growth in the number of active policies. This condition has a direct impact on the risk exposure of claims that must be carefully managed by insurance companies. One of the main challenges in risk management is to accurately estimate the number of claims in a certain period, to support premium setting, technical reserve planning, and maintain the company's financial stability. This study aims to examine the use of Poisson regression model in estimating the frequency of life insurance claims based on the number of active policies in life insurance company. The data used is simulative and represents an exponential relationship between the number of policies and claims. The model is analyzed using the Maximum Likelihood Estimation (MLE) approach and evaluated through goodness-of-fit indicators such as deviance, Pearson chi-square, log-likelihood, and Mean Squared Error (MSE). The results of the analysis show that the Poisson regression model can capture the significant relationship pattern between the number of active policies and claims, and provide accurate prediction results. Thus, Poisson regression is proven to be a relevant and applicable statistical method in supporting strategic decision-making in insurance companies, especially in the context of data-driven risk management.

Background: Structural Health Monitoring plays a critical role in ensuring the safety, reliability, and sustainability of high performance composite structures used in aerospace, civil infrastructure, and mechanical systems. Conventional externally mounted sensors often face challenges related to environmental interference, maintenance complexity, and long term stability. Objective: This study aims to develop and validate an integrated smart composite monitoring system with embedded sensing capabilities that enhances damage detection accuracy and operational durability under varying mechanical stress conditions. Method: Smart composite specimens were fabricated by embedding fiber optic and piezoelectric sensors within fiber reinforced polymer laminates, followed by tensile, fatigue, and vibration testing. Signal processing techniques including time frequency analysis were applied to extract damage sensitive features, which were then classified using machine learning algorithms to distinguish healthy and damaged structural states. Results: The experimental findings demonstrate high damage detection capability, stable sensor performance under cyclic loading, improved reliability compared to conventional monitoring approaches, and consistent monitoring accuracy throughout the fatigue life of the specimens. The integration of embedded sensing and data driven analytics significantly enhances structural response interpretation and supports predictive maintenance strategies.

Clay soil stabilization is a crucial process to enhance the soil's bearing capacity and stability, making it more suitable for construction purposes. Stabilizing clay soils improves their mechanical properties, reduces swelling, and increases their load-bearing capacity, which is essential for the foundation of various structures. This study aims to investigate the effect of lime (CaO) addition and curing time on the physical properties of clay soil, particularly focusing on unconfined compressive strength (qu) and overall soil stability. The experimental methodology involved applying different percentages of lime content (ranging from 3% to 7%) and varying curing times (7, 14, and 28 days). The soil samples were tested for their unconfined compressive strength after each combination of lime content and curing duration. The results indicated that the addition of 5% lime (CaO) and curing for 14 days led to a significant improvement in the unconfined compressive strength by 153.3%, compared to the untreated clay soil. Furthermore, increasing the curing time beyond 14 days did not show substantial improvements in strength, suggesting that 14 days is the optimal curing period for this combination. The study also highlighted that the lime treatment not only enhanced the mechanical properties but also reduced the plasticity of the clay, making it more stable and easier to handle during construction. Based on these findings, it can be concluded that the appropriate combination of lime content and curing time plays a significant role in improving the stability of clay soils. This research provides valuable insights into optimizing soil stabilization techniques, offering an effective solution for enhancing soil properties for engineering applications

The common issue faced by newborn babies is their difficulty in regulating body temperature with their environment. This often leads to hypothermia, which is a significant cause of mortality in newborns. Therefore, biomedical equipment that can regulate temperature in the newborn environment is crucial. In the design and development research of an Infant Warmer Temperature Control System using the PID method, key components include the Atmega328P microcontroller, a Skin Sensor for monitoring baby body temperature, and an SSR driver circuit for heater control. The PID control method utilizes feedback mechanisms to correct errors between measured values and their deviations.To ascertain accuracy, functional testing was conducted using an Incubator Analyzer. The comparison between the skin sensor and the Incubator Analyzer showed minimal differences, with the largest difference being 0.15℃ and the smallest 0.01℃. It can be concluded that the skin sensor readings are accurate within tolerance limits. The maximum error percentage of the device was 0.2%, while the minimum error percentage was 0%. Based on these findings, it is concluded that the PID method Infant Warmer temperature control system designed functions effectively, manages overshoot well, and maintains stability.

In order to provide financial access to groups in society that are not yet fully served by formal financial institutions, cooperatives have become very important. LKMS Amanah Berkah Nusantara Cooperative is one example of a sharia cooperative, with a non-profit model and a strong social orientation, this cooperative is here to be a solution to financial problems in the business being run. The cooperative needs to be more adaptive in strategizing its development in the face of changes in the current external environment. This research uses the Matrix Space approach, measuring four dimensions, namely financial strength, competitive advantage, industry strength and external environmental stability. As a result, Amanah Berkah Nusantara MFI Cooperative is in an aggressive strategy position as shown through the calculation of space coordinates (X = 4; Y = 0.67), which means that the cooperative has significant strengths in industrial strength and fairly good environmental stability, although it still faces challenges in terms of internal efficiency and technological competitiveness. The most recommended strategy is an active growth strategy that includes regional expansion outside the sub-district, strengthening the inetrnal digitalization system, and differentiating services through intensive assistance to customers

This research aims to analyze the trade-off between unemployment and inflation, as well as government policies from an Islamic perspective. Inflation and unemployment issues remain primary challenges for governments in maintaining economic stability. Unlike conventional economic perspectives that accept the trade-off between these two variables, Islamic economics offers a more integrative and holistic approach. Using a literature review method, this study analyzes various literature related to the relationship between unemployment and inflation from both conventional and Islamic economic perspectives. Research findings reveal that in conventional economics, the Phillips Curve depicts a trade-off between unemployment and inflation in the short term, though its validity is questioned in the long term. In contrast, from an Islamic economic perspective, there is no dichotomy between reducing unemployment and controlling inflation, as both can be addressed simultaneously through a just economic system aligned with Sharia principles. Islamic economics offers solutions through strengthening the real sector, profit-sharing financial systems, and implementing zakat, infaq, and waqf instruments that can create employment without generating inflationary pressures. This research provides insights into government policies that align with Sharia values in addressing current macroeconomic challenges.

Social media, particularly Instagram, has become a strategic medium for government institutions to disseminate policy-related information to the public. This study aims to analyze how visual elements are applied in educational infographic content on the Instagram account @ditjentataruang, specifically in the January 2025 edition, using the theory of visual hierarchy. A qualitative descriptive method was employed, with data collected through visual observation, in-depth interviews with the content designer, and documentation. Four infographic posts were selected as the subjects of analysis, each examined based on elements of color, typography, layout and composition, and visual imagery. The results indicate that the use of visual elements in the infographics is not arbitrary, but designed with a clear visual communication strategy. Green is consistently used as the institution's visual identity and a marker of visual stability. Typography is structured hierarchically to guide the reading flow, and layouts are designed using Z or C patterns to direct audience attention. In addition, visualizations such as icons and photographs are used to reinforce messages and create concrete context. These findings are strengthened through data triangulation involving observation, interviews, and supporting theories, confirming that the infographic content by the Directorate General of Spatial Planning applies the principles of visual hierarchy consciously and strategically in delivering public information.

Elections are a fundamental element of democratic systems, granting citizens te political right to vote and be elected. This study aims to compare the implementation of citizens’ political right in elections under presidential and parliamentary democracy systems. The research method used is normative/doctrinal/library research. This study analyzes the differences in the exercise of political rights in both systems and their impact on the quality of democracy and citizen participation. The findings indicate that the presidential system allows voters to directly elect the head of state, providing strong legitimacy but posing a risk of political deadlock. In contrast, the parliamentary system emphasizes the election of parliament members, who then determine the head of government, offering flexibility but potentially leading to political instability. This study concludes that both systems have advantages and challenges in ensuring citizens’ political rights. Therefore, mechanisms should be developed to enhance political participation and ensure more democratic and inclusive elections.  

This study aims to evaluate the impact of zakat on improving people's welfare in Indonesia. Zakat, as one of the financial instruments in Islam, plays an important role in reducing poverty and improving social welfare through equitable distribution of wealth. The findings of the study indicate that the distribution of zakat has a significant impact on improving the quality of life of beneficiaries, especially in terms of fulfilling basic needs such as education, health, and economic stability. In addition, zakat has also been proven to reduce poverty rates and reduce income disparities in society. The success of zakat is greatly influenced by professionalism in its management, accuracy in distributing to those in need, and transparency of zakat management institutions. These results emphasize the importance of strengthening the zakat management system and cooperation between institutions so that zakat can function optimally as a tool for economic empowerment and equalizing welfare in Indonesia.

This study aims to analyze the tradeoff relationship between inflation and unemployment in Indonesia using the Phillips Curve approach. This phenomenon is a central focus in macroeconomics as both indicators are closely linked and directly impact national economic stability. Using data from 2019 to 2024, this study examines the dynamics of inflation and unemployment, as well as their implications for monetary and fiscal policy. The analysis shows that although there are indications of a tradeoff pattern as described by the Phillips Curve, structural and global factors also influence this relationship. Monetary and fiscal policies during crisis, recovery, and stabilization periods play a crucial role in managing the balance between inflation and unemployment.

Purpose: This Community Service is to Increase Public Knowledge and Provide an understanding to the public about the importance of body balance as one of the pillars of optimal physical health. As well as Encouraging Healthy Living Behavior and Educating the public about ways to maintain and train body balance through appropriate and safe physical activities. And Prevention of Injury Risk Reducing the risk of falls and injuries, especially in vulnerable groups such as the elderly, by increasing awareness and ability to maintain posture and body stability. As well as Improving the Quality of Life of the community Helping to achieve a better quality of life through effective and independent management of body functions. The sample consisted of 30 people and was selected based on a random sampling technique using the available questionnaire. The sample was measured using the Sitting Balance measurement to assess its Balance Level. Method: This Community Service is a pre-post test design. Of the 30 Respondents who obtained an N-Gain Score of 72.5, it showed that the method applied by the researcher in this activity was effective. In addition, the distribution of the N-Gain Score with a value of 0.9 indicates that this strength or category is at a high level

This study aims to analyze how the implementation of the Love, Proud, Understand (CBP) Rupiah education program in East Java affects the economy of East Java and analyzes the challenges that occur in the implementation of the CBP program in East Java. And, evaluate the implications of the CBP program in influencing the economy of East Java. Through the literature study analysis method with data and information collection based on the results of field visits related to the CBP socialization activities of Bank Indonesia East Java and through searches, such as scientific journals and other relevant documents. The results show that the CBP program has an important role in increasing awareness of the Rupiah and has a positive impact on the economy of East Java, especially on East Java's financial literacy. There are challenges faced by Bank Indonesia East Java, such as the widespread use of foreign currency in several sectors of the economy and limited access to financial services in remote areas. The conclusion of this study is the need for Bank Indonesia to make efforts to ensure that the CBP Rupiah program can reach all levels of society and have a broader impact on economic stability.

Poverty is a problem that continues to be faced by both developed and developing countries. In developing countries with high population density, this problem is very difficult to overcome, because the increase in population not only impacts the economy, but also political instability. This study aims to determine the effect of unemployment and population on poverty in Aceh Province. This data was obtained from the BPS publication for the period 2020-2023. This study uses panel data regression analysis. Partially, unemployment (X1) does not have a significant effect on poverty (Y) while the HDI figure (X2) has a significant effect on poverty (Y). Likewise, together, unemployment and population have a significant effect on poverty.

The rapid advancement of digitalization has transformed marketing communication, driving significant changes that directly affect company stability. To maintain and increase sales, businesses must adopt effective marketing strategies that boost consumer purchasing intentions. PT. Nutrifood Indonesia, a leading food and beverage company, has successfully sustained high sales for its product Nutrisari, achieving first place in the Top Brand Index for powdered fruit juice drinks in Indonesia with a 55.60% sales index in 2024. This success is closely linked to the company’s use of integrated marketing communication tools to compete in a dynamic market. This study aims to analyze the influence of advertising, activities & experiences, and social media marketing on consumers’ purchase intention of Nutrisari products in Lampung Province. Employing a quantitative research approach, data were collected through questionnaires distributed to 150 respondents residing in Lampung Province who expressed purchase intention toward Nutrisari. The data were analyzed using multiple linear regression with the assistance of SPSS version 27. The findings indicate that advertising, activities & experiences, and social media marketing each have a positive and significant impact on consumers’ purchase intention. These results underscore the importance of integrated marketing communication strategies in enhancing consumer engagement and driving purchase intention in competitive markets

The Senkaku Islands dispute involves Japan, China, and Taiwan on the basis of historical claims, international law, and strategic and economic interests. The strategic value of this region increases along with the potential of natural resources and the importance of maritime routes in the East China Sea. The main problems in this research are, first, how is the chronology of the Senkaku Islands dispute, and second, how is the analysis of international law on the sovereignty claims of each party. This research uses a qualitative approach with a descriptive-analytical method, which is based on a literature study of international legal documents, scientific journals, and various related official sources. The results show that Japan controls the Senkaku Islands de facto and strengthens its claim based on the principle of effectiveness. In contrast, China and Taiwan make claims based on the history of the Ming and Qing Dynasties but have no actual control over the territory. The dispute is further complicated by the United States' security support for Japan, as well as increased maritime and military patrol activities around the disputed area. Efforts to resolve the dispute through the International Court of Justice have been stymied by Japan's refusal to recognize the dispute and China's caution in taking the case to international law. Overall, the dispute has not only a legal dimension, but also reflects the sharp geopolitical competition in the East Asian region. Resolving this dispute requires a flexible diplomatic approach, given that formal legal channels are difficult to pursue. Multilateral dialog is the key to preventing conflict escalation that could threaten regional stability.