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This study discusses the communication strategy implemented by the Karanganyar Police Public Relations Department in delivering an anti-hoax campaign during the 2024 Regional Head Election (Pilkada) through the Instagram platform. The background of this study departs from the phenomenon of the rampant spread of false information ahead of the election, which has the potential to trigger disinformation, polarization, and disrupt social order and stability. Hoaxes during political periods can erode public trust in state institutions, so strategic efforts are needed to address this through effective public communication. The purpose of this study is to analyze the effectiveness of the digital communication strategy used by the Karanganyar Police Public Relations Department in increasing public literacy, encouraging public participation, and maintaining the quality and stability of information circulating in the digital space. This study uses a descriptive qualitative method with data collection techniques through in-depth interviews with Public Relations personnel, direct observation of campaign activities on Instagram, and documentation of published content. The strategy analysis refers to the Cutlip, Center, and Broom model which includes four stages: fact-collecting, planning, implementing communication actions, and evaluation. The results show that the use of Instagram was chosen because of its ability to reach a young audience, the flexibility of content formats, and opportunities for two-way interaction. The campaign content was dominated by educational materials presented visually through infographics, digital posters, and short videos, ensuring the anti-hoax message was clearly and persuasively conveyed and easily shared by users. Evaluations showed an increase in public engagement, including comments, content sharing, and participation in online discussions, as well as a significant decrease in the number of hoax reports circulating in the Karanganyar region during the campaign period. This study recommends optimizing the use of Instagram features such as live broadcasts, reels, and interactions through polls or quizzes, along with increasing the creativity of the Public Relations team to further enhance the effectiveness of digital public communication in the future.

Scabies is a contagious skin disease caused by Sarcoptes scabiei infestation, and generally affects children and adolescents, especially those living in crowded and unhygienic environments such as orphanages. This disease is highly contagious through direct contact and the sharing of personal items, such as towels, clothing, and bedding. Therefore, ongoing promotional and preventive efforts are crucial to prevent the spread of scabies in vulnerable communities. This community service activity was carried out at the Harapan Kita Orphanage within the Ariodillah Community Health Center (Puskesmas) working area. The main objective of the activity was to increase children's knowledge, awareness, and skills in preventing scabies transmission. The activity methods used included two-way discussion-based health education, providing real-life examples of personal hygiene, and distributing educational leaflets that are easy for children to understand. The education was conducted interactively by involving participants in questions and answers, handwashing simulations, and education on the importance of washing clothes and maintaining clean bedding. Post-activity observations showed that all participants did not experience active scabies symptoms, and there was an increase in participants' understanding of clean and healthy lifestyles. The children showed high enthusiasm and were able to reflect on the information presented. Overall, this activity proved effective in raising awareness of the importance of personal and environmental hygiene. This counseling model is highly relevant for regular implementation in orphanages or other institutions at high risk of spreading infectious skin diseases, as part of an education-based public health strategy. With the active involvement of the orphanage caregivers, it is hoped that this program can be sustainable and become part of the routine health education for children.

The ability to manage family finances is a crucial aspect in realizing household economic resilience. In practice, many housewives do not have adequate knowledge and skills in budgeting, saving, and prioritizing needs wisely. This community service activity was carried out with the aim of improving family financial literacy among housewives, especially members of the Wisma Anggrek Group, Lapandan Village. The method of implementing the activity consists of three main approaches, namely counseling on basic family financial management materials, interactive discussions to explore participants' experiences and challenges, and simulations of realistic and applicable household budget preparation. The training material covers the basic principles of financial management, saving strategies, controlling expenses, and how to prioritize needs based on the scale of urgency and financial capabilities. The results of the activity showed a significant increase in participants' understanding of the concept of family financial management. Participants are able to draw up a simple budget, recognize unnecessary expenses, and start implementing consistent saving habits. In addition, group discussions encourage the creation of spaces for sharing experiences and practical solutions among participants, which strengthens the collective spirit in building healthy financial habits. This activity has a positive impact on shaping a more planned financial mindset and behavior among housewives. It is hoped that this training will be the first step in building sustainable household economic resilience, as well as encouraging family financial independence through wise and responsible financial management.

This study explores the influence of live streaming mode on the purchase intention of tropical fruits among consumers in Henan, China, in the context of the rapid growth of e-commerce. Live streaming has emerged as a dynamic and interactive platform that enables real-time engagement between sellers and buyers, offering visual product demonstrations and instant feedback opportunities. The research focuses on three critical factors affecting purchase intention: perceived trust, perceived value, and perceived risk. A quantitative research design was employed, collecting data from 392 participants through structured questionnaires. The analysis indicates that interactive communication, transparent information sharing, and authentic presentations during live streaming significantly enhance perceived trust and perceived value. Higher perceived trust fosters a stronger sense of reliability toward sellers, while increased perceived value motivates consumers by highlighting product quality, freshness, and fair pricing. Furthermore, effective live streaming strategies can substantially reduce perceived risks related to product authenticity, quality uncertainty, and transaction security, creating a more favorable purchase environment. The results suggest that the integration of engaging storytelling, professional product showcasing, and active audience interaction serves as a catalyst for influencing consumer attitudes and behaviors toward purchasing tropical fruits. This study enriches the existing literature on live streaming commerce by highlighting its psychological and behavioral impacts on consumer decision-making. In practical terms, the findings offer actionable insights for marketers and fruit sellers, emphasizing the importance of building trust, delivering genuine product experiences, and minimizing risks to maximize purchase intentions. These strategies are particularly relevant for agricultural e-commerce in Henan, where live streaming can bridge the gap between rural producers and urban consumers. Overall, this research provides both theoretical contributions to the study of digital co sumer behavior and practical guidance for optimizing live streaming as a competitive marketing tool in the fresh produce industry.

This study examines the practice of reciprocity within the persatuan barang (goods-sharing) group during the implementation of the rewang tradition in Desa Banglas, Kecamatan Tebing Tinggi, Kabupaten Kepulauan Meranti. The main focus of the research is to identify the various forms of exchange that occur, whether in the form of money, goods, or labor. A narrative qualitative approach was used, with data collected through in-depth interviews, non-participant observation, archival review, and documentation of bookkeeping records. The subjects of this research are members of the persatuan barang group who actively participate in social and cultural events in the village. The findings reveal three types of reciprocity: generalized, balanced, and negative. Generalized reciprocity is evident in voluntary contributions without expecting immediate return, often practiced among close kin or neighbors. Balanced reciprocity is demonstrated through exchanges of equal value with a certain expectation of timely return, particularly during communal events like weddings or funerals. Negative reciprocity, although rare, involves unequal exchanges that may lead to social tensions or perceptions of unfairness. These findings indicate that the persatuan barang group functions not only as an informal economic mechanism but also as a cultural institution that fosters mutual assistance, reinforces social cohesion, and preserves traditional values. The exchange systems operate within an implicit moral economy that prioritizes collective welfare over individual gain. Additionally, the tradition of rewang and the organizational role of persatuan barang highlight the resilience and adaptability of indigenous practices in supporting rural livelihoods amid changing socioeconomic conditions. The study suggests that such local systems of reciprocity play a vital role in sustaining social capital, strengthening community identity, and ensuring social security in the absence of formal welfare structures. Further research is recommended to explore the long-term impact of these practices on community resilience and rural development.  

This community service activity aims to improve the competence of TPQ (Al-Qur'an Education Park) and MDT (Madrasah Diniyah Takmiliyah) teachers throughout Padang City in teaching the Qur'an effectively. The background to this activity is the fact that many TPQ and MDT teachers have not received adequate pedagogical training. As a result, the Qur'an learning they conduct tends to be monotonous and less interesting for children, thus reducing students' interest and understanding of the Qur'an. This training was conducted over two days with a participatory approach involving 100 participants from various TPQ and MDT institutions in Padang City. The material presented in the training included active learning methods that can activate student participation in class, the use of simple, easy-to-implement teaching media, and Islamic character building strategies that aim to shape noble morals in students. The training results showed a significant increase in the participants' teaching knowledge and skills, where they better understand more interesting and interactive teaching methods. In addition, participants' motivation to continue improving the quality of their teaching also increased. One of the important achievements of this training was the formation of a network among TPQ and MDT teachers that can serve as a forum for sharing good practices in teaching the Quran, so that teachers can learn from each other and improve the quality of their teaching together. The conclusion of this activity is that training designed with the right approach can have a real impact on improving the quality of Quran teaching in TPQ and MDT. Therefore, this activity provides recommendations to TPQ-MDT managers, the community, and the government to continue supporting the development of teacher competencies on an ongoing basis. In addition, it is recommended that further research further examine the impact of learning on student development in terms of knowledge and character.

The rapid growth of information technology has driven digital transformation in various sectors, including micro, small, and medium enterprises (MSMEs), the backbone of the Indonesian economy. In response to the challenges and opportunities of digitalization, the Surabaya City Government launched the Peken e-commerce platform on October 31, 2021. This platform aims to help MSMEs market their products online, expand market reach, and increase competitiveness. However, the use of digital systems also presents new challenges, particularly in terms of cybersecurity. Dependence on technology opens the door to various threats that can compromise data confidentiality, integrity, and availability. This study aims to analyze and evaluate information security risks on the Peken Surabaya website using a risk management approach based on the ISO/IEC 27005:2019 standard. The analysis method involves identifying information assets, recognizing potential threats, identifying vulnerabilities, and assessing risk levels based on the likelihood of occurrence and impact. To support the analysis, technical testing was also conducted using the Open Web Application Security Project Zed Attack Proxy (OWASP ZAP) tool. The research results indicate that most of the risks faced by Peken Surabaya are moderate to very high. These risks include Distributed Denial of Service (DDoS) attacks, user data leaks, and the lack of a two-factor authentication (2FA) system. Based on these findings, a risk management strategy was developed using the Risk Modification, Risk Sharing, Risk Retention, and Risk Avoidance approaches. Furthermore, this study recommends security controls based on ISO/IEC 27005 and OWASP Top 10 to enhance system protection. These findings emphasize the importance of implementing international standards-based risk management in maintaining the continuity and security of digital public services, particularly those supporting the MSME sector in the digital era.

WhatsApp is one of the most widely used messaging platforms, offering fast and simple communication. Among its active users are students from Islamic boarding schools (santri), including those involved in micro, small, and medium enterprises (MSMEs). However, despite its convenience, many users lack awareness regarding digital safety and privacy, exposing them to cyber risks such as phishing, scams, and identity theft. In Nusukan, Surakarta, this issue is particularly relevant for santri who rely on WhatsApp for both academic and business communication. This community service initiative was conducted at Al-Mukminun Islamic Boarding School in Nusukan, Surakarta, with the aim of increasing awareness and understanding of safe WhatsApp usage among MSME santri. The program consisted of counseling sessions, which included lectures and interactive discussions tailored to the participants’ needs. Key topics included how to adjust privacy settings, identify suspicious links and messages, protect personal data, and recognize common cyber threats. Participants responded positively to the training. Feedback showed that 80% of them reported they would avoid clicking unknown links in messages. Another 80% stated they would refrain from sharing personal information with strangers. Furthermore, 80% expressed their commitment to regularly updating the WhatsApp application to ensure optimal security features are in place. This program successfully raised awareness and empowered santri with essential knowledge about digital communication safety. It highlights the importance of integrating communication psychology and practical digital literacy into community education to support secure online behavior for young entrepreneurs. Overall, this training shows that a contextual and applicable communication psychology approach is very effective in forming positive digital awareness and behavior in religious-based communities such as MSME students.

This research is based on the background of adolescent development starting from the formation of personality or the period where adolescents begin to understand themselves and also others. Self-acceptance is when someone recognizes both their strengths and weaknesses without blaming others, and has a strong drive to continue to develop. The importance of self-acceptance is that an individual's ability to accept themselves is the foundation for individuals to embrace all aspects of their lives, both pleasant and challenging, as part of the process of personal experience. The purpose of the research is to help students understand self-acceptance. The method applied in this study is Research and Development (RnD). This scrapbook media is in the form of non-digital media whose material is in the form of books with creativity and animation so as to attract students' reading interest. In the media scrapbook contains the definition of self-acceptance, aspects of self-acceptance, factors of self-acceptance, the impact of self-acceptance, tips for increasing self-acceptance, and is also equipped with positive affirmations, pearls, and also student activities that contain student sharing and are equipped with short stories related to self- acceptance, in order to reflect and evaluate after conducting services. From the results of the analysis, it can be concluded that the development of scrapbook media, with the results of feasibility evaluation by material experts 97.5%, media experts 82.5%, practitioner experts 92.5% and limited product trials on students 87.5%, can be considered very suitable for use in the field. So that the scrapbook development media about self-acceptance for class X students of SMK Negeri 1 Godean is declared very feasible to use. The benefits of this research produce a variety of media in the implementation of guidance and counseling services. However, there are several recommendations for developing this media, namely the need to develop scrapbook media in digital form by processing scrapbook media online or through an application..

This study discusses the strategy of expanding the local Micro, Small, and Medium Enterprises (MSMEs) market through the development of Tourism Villages as a solution to limited market access and low competitiveness of MSME actors. MSMEs in Indonesia often face obstacles in aspects of the marketing mix such as venues, prices, products, and promotions. Through a qualitative approach, this study analyzes the direct impact of Tourism Villages on increasing market access, product innovation, and the role of innovation diffusion in encouraging technology adoption by MSME actors. The results of the study show that Tourism Villages such as Pujon Kidul, Taman Sari, and Sokobanah Daya are able to become a catalyst for the local economy by attracting tourists as potential consumers, reducing operational costs, and creating an innovation ecosystem that supports the growth of MSMEs. BUMDes (Village-Owned Enterprises) play an important role in digital promotion, product packaging development, and strengthening the capacity of local business actors through training and mentoring programs. Moreover, Tourism Villages encourage collaboration between stakeholders such as village governments, educational institutions, and private sectors in building sustainable local entrepreneurship. They also facilitate knowledge sharing and cultural preservation while integrating economic, social, and environmental values. Although there are still challenges such as lack of managerial skills, limited access to capital, and dependence on tourism seasons, the potential for long-term impact remains high. This study concludes that the integration of Tourism Village development with MSME strengthening strategies can be a model for inclusive and sustainable village economic empowerment. These findings provide practical recommendations for village governments, BUMDes managers, and MSME actors in building effective synergies that accelerate local economic growth and resilience.

The purpose of this paper is to examine the role of Green Intellectual Capital (GIC) in the development of waste-to-energy (WtE) technologies, which is of special relevance for the incineration plants in the Gulf Cooperation Council (GCC) countries. Although previous studies have focused primarily on technological and infrastructural aspects, this paper investigates the contribution of intangible assets such as green human, structural, and relational capital towards the performance and sustainability of WtE systems. Adopting a mixed-method approach, the results show that Green Structural Capital has the first place in supporting operational efficiency, followed by Green Human Capital and Green Relational Capital. The statistical analysis based on Structural Equation Modeling (SEM) shows that all GIC dimensions are positively related to plant performance, with institutionalized knowledge and systems as the most significant enablers of innovation. Qualitative findings also highlight constraints such as lack of training, unhandy knowledge systems, and poor public-private interaction. The findings recommend policy suggestions for promoting GIC assimilation within environmental infrastructure and provide a region-based theoretical model connecting knowledge-based resources and sustainable waste management practices. The study emphasizes the importance of integrating intellectual capital into the strategic decision-making process of waste-to-energy plants to enhance their operational effectiveness and long-term sustainability. Additionally, the research underlines that fostering a knowledge-sharing culture and enhancing collaboration between various stakeholders, including governmental bodies, private firms, and research institutions, is critical for the success of green initiatives. Training programs aimed at developing green human capital and improving public-private partnerships are essential to overcoming the current barriers to innovation in the WtE sector. This study has practical and scholarly implications in unifying the focus from just technology to the facilitating role of human and intellectual capital in green transformation, further bridging the gap between environmental sustainability and technological advancements in waste management.

The rapid development of digital technology has brought about significant changes in various aspects of life, including the world of work. One skill that is now highly sought after by job seekers is digital platform-based communication skills. This skill is crucial for building a professional image, expanding networks, and increasing employment opportunities. In response to this need, a digital communication training program was held in Kartasura District with the aim of improving the practical skills of job seekers, particularly high school/vocational school graduates and final-year college students. The training was conducted face-to-face using a participatory approach, combining conceptual material delivery with hands-on practice sessions. The training focused on utilizing professional platforms such as LinkedIn and social media platforms like Instagram, which have become essential tools in the job search and personal branding process. A total of 42 participants attended the training, with diverse educational backgrounds and interests but a common desire to be more competitive in the digital job market. The training results showed a significant increase in participants' understanding of professional communication in the digital realm. Participants also gained practical skills in creating attractive LinkedIn profiles, creating content relevant to industry needs, and managing their online self-image. Furthermore, this training created a collaborative space between participants and presenters through a WhatsApp group, which later developed into a platform for sharing information about job openings, career tips, and ongoing discussions. The findings from this training underscore the importance of integrating digital communication training into workforce development programs, particularly in buffer urban areas like Kartasura. This effort serves as an adaptive strategy to address the challenges of digital transformation while empowering the younger generation to be better prepared for job competition in the digital era.

The circulation of narcotics in Tanjungpinang City has increased from 2019 to 2023, despite various programs implemented by relevant agencies. Based on the data, there were 422 suspects apprehended, with 395 suspects acting as distributors (dealers) and 27 suspects as users. The presence of two main institutions, the National Narcotics Agency of Tanjungpinang City and the Narcotics Crime Unit of Tanjungpinang City Police, has not yet been fully effective in reducing the rate of drug trafficking. This study aims to analyze the application of collaborative governance in combating drug trafficking in Tanjungpinang City, based on the theory of Schottle, Haghsheno, and Gehbauer (2014) with seven indicators: willingness to compromise, communication, commitment, mutual trust, transparency/information exchange, knowledge sharing, and willingness to take risks. The method used is a descriptive qualitative approach. Data was collected through interviews and documentation. The research results indicate that willingness to compromise is reflected in cooperation such as joint investigations and coordination in handling suspects. Communication between agencies is conducted both formally and digitally, though not yet structured on a routine basis, it remains responsive. Commitment is demonstrated through Operation Antik, the BNNP prevention program, and the consistent and sustained participation of the DPC GANN. Mutual trust is built through open communication and recognition of each party's role. Transparency and information exchange are evident in the openness of data and access to information between agencies and the public, though technological challenges remain. Knowledge sharing is facilitated through contributions from the National Narcotics Agency (BNN), the police, and former offenders, fostering collective learning. Willingness to take risks is evident in the courage to adopt new approaches for innovation in drug eradication.

Indonesia ranks fourth globally in terms of active Instagram users, with approximately 103 million users, positioning this platform as a strategic medium for hospitals to conduct promotion, health education, and audience engagement. Hospitals, particularly private institutions, have increasingly recognized the potential of social media in fostering strong brand images and maintaining public trust. This study aims to analyze the influence of marketing content on the brand image of Indriati Solo Baru Hospital, a private hospital that is active on Instagram and holds verified status. Employing a quantitative approach with an associative method, the research involved 100 respondents drawn from followers of the hospital’s official Instagram account, selected through incidental sampling. Data were collected via questionnaires and subsequently analyzed using simple linear regression. The results demonstrate that marketing content exerts a positive and significant impact on brand image, as reflected in the regression equation Y = 3.838 + 0.267X. Statistical analysis further revealed a significance value of 0.001 (<0.05) and a t-calculated score of 10.048, exceeding the t-table value of 1.984. The coefficient of determination (R²) was 0.507, indicating that marketing content accounts for 50.7% of the variance in brand image, while the remaining 49.3% is influenced by other factors beyond the scope of this study. Among the tested indicators, Decision Making and Life Factors demonstrated significant contributions, underscoring their role in shaping perceptions of brand image. Meanwhile, Persuasion, Reader Cognition, and Sharing Motivation functioned as supportive elements that reinforce but do not independently drive outcomes. These findings highlight the critical role of strategic content development in strengthening hospital brand image within digital spaces.

Improving the quality of children's health is one of the main priorities in achieving the Sustainable Development Goals (SDGs), particularly in addressing stunting prevention in Indonesia. Stunting remains a serious challenge in public health development, especially among young children who suffer from chronic malnutrition. To tackle this issue, effective nutritional education is essential, especially for young mothers who play a central role in caregiving and determining their children's dietary intake. In line with the shift in information consumption patterns from conventional media to digital platforms, social media is becoming increasingly significant as a channel for health communication and education. One emerging phenomenon in this context is the rise of public figures from the medical profession actively sharing health-related content online, commonly referred to as “doctor influencers.” This study aims to analyze the digital communication strategies employed by doctor influencers, using the Instagram account @mizaafrizal, owned by Dr. Miza Afrizal, as a case study, focusing on how he educates young mothers about child nutrition. This research adopts a descriptive qualitative approach, utilizing data collection techniques such as content observation, in-depth interviews, and literature review on digital communication and health promotion. The findings indicate that Dr. Miza employs a persuasive and interactive communication strategy through the use of humanistic language, visually engaging content, and scientifically supported information in each post. He also leverages Instagram features like reels, stories, and the comment section to establish two-way communication with his followers. Dr. Miza’s credibility as a pediatrician enhances the reception of his messages. His approachable, clear, and educational style of delivery successfully captures the attention of young mothers and increases their understanding of the importance of nutrition in early childhood development. These findings highlight the influential role of doctor influencers as change agents in raising public awareness about child nutrition. Moreover, they contribute positively to digital-based health promotion efforts in Indonesia, showing the potential of social media as a powerful platform to support national health initiatives.  

Advances in information technology-based financial services are beginning to follow suit, in the form of peer-to-peer lending, which provides easy access to loans without the need for conventional financial institutions. However, this convenience brings new challenges, particularly regarding the protection of users' personal data. Many platform providers access excessive amounts of sensitive information, such as contacts, photos, and other personal data, which can be misused to the detriment of borrowers. Therefore, this study aims to identify and analyze regulations related to personal data protection, particularly in the field of peer-to-peer lending services in Indonesia. It also analyzes the role of financial institutions, namely the Financial Services Authority (OJK), in addressing potential violations committed by platform providers. Using a normative legal approach, the study shows that despite the existence of these regulations, implementation in the field is suboptimal, particularly in terms of monitoring illegal platforms. Furthermore, challenges to oversight include limited resources and a lack of digital literacy among the public, which results in many users not fully understanding the risks of sharing their personal data. This study also highlights the importance of collaboration between the OJK, the Ministry of Communication and Information Technology, and law enforcement agencies to strengthen oversight mechanisms and take action against violations. In addition, extensive public education regarding personal data security is needed to encourage greater vigilance in using digital services. Personal data protection must be a top priority in the development of financial technology to prevent privacy violations. Strict regulations and effective sanctions are expected to provide a deterrent effect and create a healthy and equitable fintech ecosystem in Indonesia. This study also recommends that the government accelerate harmonization between the Personal Data Protection Law (PDP Law) and financial services sector regulations, particularly regarding service providers' transparency obligations in managing consumer data.  

This study aims to examine the extent to which social media is utilized in agribusiness learning among students at Universitas Adzkia. A quantitative descriptive approach was employed, using a Likert scale-based questionnaire as the research instrument. The collected data were tabulated and classified into score percentages to determine the category of social media utilization. The research was conducted from June to July 2024 using a census method, involving all 38 students enrolled in the Agribusiness Study Program at Universitas Adzkia. The findings indicate that overall, the use of social media in agribusiness learning falls into the moderate category, with a score percentage of 55.76%. When broken down into agribusiness sub-systems, the results show that the use of social media in the agricultural input supply sub-system was 55.76%, in farming activities 56.14%, agricultural product processing 49.67%, marketing 44.08%, and agribusiness support services 47.20%. These results suggest that although social media has been used in the learning process, its utilization is still at a moderate level and not yet evenly distributed across all agribusiness sub-systems. This presents both opportunities and challenges for lecturers and educational institutions to develop more innovative, technology-based learning strategies. To enhance the effectiveness of agribusiness learning, it is recommended that lecturers actively encourage students to use social media in a productive manner. This could be implemented through the assignment of structured tasks that require the use of social media platforms for academic discussions, information searches, and the creation or sharing of relevant agribusiness content. Such efforts are expected to make social media not only a tool that enriches students' learning experiences but also a means to deepen their understanding of the dynamic and ever-evolving field of agribusiness. Ultimately, integrating social media into learning can support the development of digital competencies and practical insights among agribusiness students in higher education.

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.

This study aims to explore transformative learning experiences of middle-aged women through writing activities in an Indonesian women's writing. Transformative learning among middle-aged women is crucial to investigate as this phase involves complex identity transitions, yet limited research explores the role of reflective writing in personal transformation processes within Indonesian contexts. This qualitative research employed Interpretative Phenomenological Analysis (IPA) involving two participants aged 41-64 years from the Padma Women Writers Community through in-depth interviews. Data analysis followed Mezirow's transformative learning framework to map participants' experiences. Findings reveal transformative learning processes beginning with disorienting dilemmas triggered by life transitions, followed by critical self-examination through reflective writing, exploration of new roles, and perspective transformation regarding empowerment and autonomy. Writing functions as a catalyst for transformation through three mechanisms: structured examination of experiences, narrative construction for meaning-making, and community sharing for validation. This research contributes to extending Mezirow's theory application in creative expression contexts and provides insights for developing reflective writing-based learning programs for middle-aged women.     

Musyarakah Mutanaqisah (MMQ) is a form of sharia-based financing that offers a home ownership solution free from elements of interest (riba). This article aims to analyze the application of the MMQ contract in housing finance, compare it with the conventional mortgage scheme (Kredit Pemilikan Rumah/KPR), and evaluate its impact on community welfare. This study employs a descriptive qualitative approach through literature review of academic sources, regulations, and other relevant data. The analysis shows that MMQ is superior in terms of compliance with Islamic principles, fairness in risk sharing, and flexibility in payment structure. Furthermore, the MMQ scheme contributes to the improvement of social and economic well-being, particularly for the lower-middleincome segment of society. Nevertheless, its implementation still faces challenges such as the risk of default and the need for strengthened risk management systems. Therefore, collaboration between Islamic financial j, the government, and the public is essential to optimize the potential of MMQ as a fair and sustainable alternative for home financing