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The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

Behavioral economics has emerged as a significant field in understanding consumer behavior, particularly in advertising. This paper examines the application of behavioral economics principles, such as scarcity, social proof, and emotional appeal, in influencing consumer decision-making. Through an in-depth analysis of advertising techniques across various industries, the study assesses their effectiveness and ethical implications, particularly in terms of consumer welfare. Results reveal that while these psychological triggers can effectively drive sales, they also present ethical concerns regarding consumer autonomy and well-being.

Blockchain technology has emerged as a transformative solution for enhancing transparency and traceability in global supply chains. This paper explores the applications of blockchain in improving data accuracy and accountability, particularly in sectors such as agriculture, manufacturing, and pharmaceuticals. Through detailed case studies, the research demonstrates blockchain's effectiveness in reducing fraud, enhancing trust among stakeholders, and ensuring a more resilient supply chain framework. The findings suggest that implementing blockchain can significantly improve operational efficiencies and foster collaborative relationships across various industries.

This paper examines the transformative impact of e-commerce on traditional retail business models. By analyzing case studies of retailers that have successfully adapted to the digital marketplace, the study identifies key challenges, such as logistics and customer engagement, as well as opportunities for growth and innovation. The findings underscore the necessity for retailers to embrace digital strategies to remain competitive in the evolving market landscape.

This article analyzes the effects of tariffs and trade agreements on global trade dynamics and international business operations. By reviewing recent trade policies and their implications for various industries, the study highlights how tariffs influence supply chain decisions and market entry strategies. The findings provide recommendations for businesses navigating the complexities of international trade in a protectionist environment.

Penelitian ini dilakukan untuk mengetahui pengaruh pelayanan kantor Pos terhadap kepuasan penerima bantuan langsung tunai di Kota Langsa. Dalam Penelitian ini penulis mengambil data dari Gampong Batee Puteh sebagai salah satu gampong yang menerima bantuan langsung tunai dari pemerintah. Data yang diperoleh berasal dari  responden yaitu masyarakat gampong Batee Puteh. Alat analisis yang digunakan yaitu statistik deskriptif. Adapun pengaruh pelayanan pelayanan kantor Pos terhadap kepuasan masyarakat penerima bantuan langsung tunai di Kota Langsa peneliti memperoleh hasil Dari hasil analisis Dari hasil uji T, menunjukkan bahwa variabel tangibel tidak memiliki pengaruh yang signifikan terhadap kepuasan penerima bantuan langsung tunai di  Kantor POS Langsa Cabang Langsa. Sedangkan variabel Reliability (X2), responsivines (X3), dan Assurance (X4)  Emphaty (X5) memiliki pengaruh yang signifikan terhadap kepuasan penerima bantuan BLT Kantor POS Langsa Cabang Langsa. Dari ketiga variabel yang signifikan tersebut, variabel Assurance mempunyai pengaruh dominan terhadap kepuasan penerima bantuan BLT Kantor POS Langsa Cabang Langsa.uji F terdapat pengaruh yang positif dan signifikan secara serempak antara variabel tangible (X1), Reliability (X2), responsivines (X3), Assurance (X4) dan Emphaty (X5) sebagai dimensi kualitas pelayanan terhadap kepuasan penerima bantuan langsung tunai Kantor POS Langsa Cabang Langsa.    

Corporate social responsibility (CSR) merupakan konsep bahwa organisasi khususnya perusahaan memiliki tanggung jawab kepada konsumen, karyawan, pemegang saham, masyarakat dan lingkungan dalam segala aspek operasional perusahaan seperti terhadap permasalahan yang berdampak pada lingkungan seperti pencemaran, limbah, produk dan keselamatan tenaga kerja. Tulisan ini merupakan evaluasi terhadap program pelaksanaan tanggung jawab sosial perusahaan PT Jasa Marga. Pada bagian awal pembahasan konsep CSR, dasar pemahaman CSR bagi perusahaan dilanjutkan dengan alasan pentingnya tanggung jawab sosial dalam mewujudkan kelangsungan hidup dan perkembangan masyarakat Bagian selanjutnya membahas pro dan kontra CSR, pendekatan pelaksanaan CSR, kegiatan CSR perusahaan di Indonesia dan terakhir membahas dampak program penghijauan terhadap PT Jasa Marga. Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif. Sugiyono (2014) mengatakan bahwa metode analisis deskriptif adalah statistik yang digunakan untuk menganalisis data dengan mendeskripsikan atau mendeskripsikan data yang telah dikumpulkan apa adanya tanpa bermaksud membuat kesimpulan yang berlaku bagi masyarakat umum atau generalisasi. Data yang digunakan dalam penelitian ini adalah Laporan Keberlanjutan PT Jasa Marga tahun 2017.

Corporate Social Responsibility (CSR) PT.ANTAM Tbk memiliki komitmen terhadap pengembangan masyarakat, memiliki pendekatan yang berbeda tergantung pada kondisi dan kebutuhan. Fokus PT. ANTAM  Tbkdalam menjalankan kegiatan Tanggung Jawab Sosial dan Lingkungan (TJSL) adalah mendorong potensi yang ada di tengah-tengah masyarakat agar mampu mewujudkan terciptanya masyarakat yang sejahtera dan mandiri secara berkelanjutan.Kemudian dilakukan evaluasi terhadap capaian keberhasilan Program Pelaksanaan Tanggung Jawab Sosial dan Lingkungan (TJSL) PT. ANTAM Tbk, dalam program Pendanaan Usaha Mikro dan Kecil (PUMK) Khususnya pada Provinsi Kalimantan Barat tahun 2021. Metode yang digunakan adalah metode analisis deskriptif, digunakan untuk menganalisis data dengan cara mendeskripsikan atau menggambarkan data yang telah terkumpul. Berdasarakan hasil laporan berkelanjutan PUMK PT. ANTAM Tbk pada tahun 2021 memiliki rencana penyaluran dana sebesar Rp3.500.000.000 sedangkan yang terealisasi adalah sebesar Rp2.950.000.000. Serta memiliki jumlah rencana unit binaan sebanyak 51 unit sedangkan yang terealisasi adalah sebesar 31 unit.

Business development in the world has entered the era of free competition not only in a small scope but a large scope, this creates fierce competition between companies. Efforts made by a company to win a market by providing advantages in competition, analyzing competing companies, and implementing effective marketing strategies. This study uses Literature Review research with the results of research that management strategies are oriented towards developing macro strategies such as product strategy development, pricing implementation strategies, acquisition strategies, market development strategies, financial and other strategies. The steps of strategy management include: internal and external environment scanning (Internal &; External Scanning), Strategy Formulation, Implementation, Function Control and Evaluation.

The research method used in this study is the research and development method or also called Research and Development. The research design that will be developed in this study uses the development model presented by Borgan Gall. The product produced in this study is an Arduino Nano-Based Distance Measuring Tool with a Display on the LCD on the Flat Side Room Building Material for Class VIII at SMP Negeri 5 Sepauk. The test subjects of this study included two subjects. The first subject is the validator and the second is class VIII students of SMP Negeri 5 Sepauk. The analysis technique used is to determine the effectiveness, practicality, and validity. The percentage of effectiveness from the average of the two analyzes obtained a percentage value of 94.06% with Very Effective criteria used in learning mathematics. The results of the combined teacher and student response questionnaires - the average percentage obtained was 89.55% with very practical criteria. The combined results of the average percentage obtained from the percentage of experts and the results of the measurement trials obtained a percentage of 76,36% with very valid criteria.    

The purpose of this study was to determine and analyze the effect of work discipline, leadership style and work motivation on employee performance, to determine and analyze the effect of work discipline, leadership style and work motivation on employee performance at the Department of Industry and Trade of North Sumatra Province. The approach used in this study were all employees of the Department of Industry and Trade of North Sumatra Province, totaling 160 employees. While the samples that meet the sampling criteria for observations made are 62 respondents using the Slovin formula. The data collection technique in this study uses a questionnaire technique and technical data analysis in this study uses the SPSS version 25.00 software program. Partially it is known that work discipline has no positive and significant effect on the performance of the employees of the North Sumatra Province Industry and Trade Office. Partially it is known that motivation has a positive and significant influence on the performance of the employees of the Department of Industry and Trade of North Sumatra Province. Simultaneously it is known that work discipline, leadership style and work motivation have a significant influence on the performance of the employees of the Department of Industry and Trade of North Sumatra Province.

Loyalty is someone's allegiance that indicates dedication to something, it can be a person or a group of people, ideals, tasks or goals that are given constantly. This study aims to determine whether leadership style, motivation and work environment have a partial and simultaneous influence on employee loyalty in the Department of Industry and Trade, and also among the three variables, which variable has the most dominant effect on the dependent variable. This type of research is quantitative research. This study uses secondary data, namely data on the number of employees for the last 5 years from the 2017-2021 period. The results of the analysis through the T test show that leadership style has no significant effect on employee loyalty, motivation has a significant effect on employee loyalty and work environment has a significant effect on employee loyalty. While the results of the analysis through the F test show that leadership style, motivation and work environment affect employee loyalty in the Department of Industry and Trade of North Sumatra Province.

Indonesia sedang berupaya membangun kapabilitas pertahanan dengan menetapkan Minimum Essential Force (MEF) untuk membangun kemandirian industri pertahanan. Dengan demikian industri pertahanan domestik masih melakukan kerjasama dengan industri sejenis di luar negeri yang memiliki kemajuan industri lebih mumpuni dari Indonesia. Salah satunya ialah PT. Pindad Persero yang masih melakukan impor bahan baku material untuk setiap produk yang mereka keluarkan. Tantangan dan Strategi PT. Pindad dalam mewujudkan kemandirian industri pertahanan,  masih memiliki banyak ketertinggalan dalam teknologi, inovasi, diplomasi dan langkah kebijakan yang diambil dalam mewujudkan kemandirian Industri Pertahanan di Indonesia. Penelitian ini menggunakan metode kualitatif deskriptif karena adanya data-data yang diperoleh adalah data kualitatif, yakni menggambarkan adanya kondisi riil di lapangan. Tujuan penelitian ini untuk mengetahui strategi PT Pindad dalam mewujudkan kemandirian industri pertahanan. Hasil Penelitian menunjukan perwujudan kemandirian industri pertahanan PT.Pindad didorong upaya alih teknologi, ataupun pendanaan dalam bentuk offset dan juga imbal dagang untuk produk alat peralatan pertahanan dan keamanan yang didatangkan dari luar negeri.

The main objective of this research is to analyze the relationship between current ratio and return on asset in pharmaceutical companies that are traded on the Indonesia Stock Exchange during the period of 2018-2021. Fristly, throughout the years 2018-2021, the researcher will analyze the correlation between debt to asset ratio and ROA in the pharmaceutical industry segment of the Indonesia Stock Exchange. The purpose of this study includes three main goals: (2) to determine the effect of total asset turnover on return on asset of pharmaceutical companies on the Indonesia Stock Exchange from 2018 to 2021; and (3) to determine the effect of current ratio, debt to assets ratio, and total asset turnover on return on assets of pharmaceutical companies on the Indonesia Stock Exchange from 2019 to 2021. This research employs a quantitative approach, and 12 different businesses are presented as the sample. Tools used to describe and analyze data include multiple linear regression analysis. Based on the data, the results show that current ratio does not have a significant effect on Return On Assets (Sig = 0.554), Debt To Assets Ratio does not have a significant effect on Return On Assets (Sig = 0.097), Total Asset Turnover does not have a positive and significant effect on Return On Assets (Sig = 0.566), and the combination of all three factors has a positive and significant effect on Return On Assets.

In general, every company or agency prioritizes the good performance of its employees. Good performance can advance the company in terms of time and completeness of work. The problem faced is that some employees are not disciplined in carrying out their duties and obligations. Given the performance of employees who are still far from expected because there are still some employee expectations that have not been met. The problem that occurs is that supervision is not carried out routinely and is not attentive. Given that supervision is still far from what was expected because there are still some expectations of supervision that have not been fulfilled. So this can affect employee performance. The problem at issue is that the reward does not meet employee satisfaction. Considering that the reward is still far from what was expected because there are still several expectations for the reward that have not been fulfilled. So that this can affect the performance of employees. This research is a quantitative research with associative method. Based on the results of the SPSS test on Anova data in column R Square = 0.921, all variables affect the Employee Performance Variable by 92.1% and the remaining 7.9% is influenced by other variables outside this regression equation or variables not examined. So it can be concluded that the specified variable is very influential on employee performance.

The purchase decision is the root of the achievement of a sale which on the purchase decision has an impact on turnover and sustainability of each organization. The purchase decision is one of the form of consumer behavior in using a product. In using a product to make a buying decision, consumers will go through a process that is a description of consumer behavior analyze various options to make decisions in make a purchase. The purchase target will be achieved if the attributes Purchasing drivers are met by the company, one of these attributes is: Quality of service, promotion, location.The method used in this research is a quantitative method with the number of samples set as many as 97 respondents. The analysis used includes the test validity, reliability test, classical assumption test, and multiple linear analysis test and coefficient of determination. The results of this study indicate that partially. Service quality affects satisfaction, however for the promotion variable has no positive and significant effect partially to customer satisfaction. And location has a positive and significant effect on customer satisfaction. For the simultaneous test, the quality of service, promotion and location has an effect on customer satisfaction.

Penelitian ini bertujuan untuk menghasilkan media pembelajaran aplikasi dompet pintar berbasis strategi saintifik learning untuk meningkatkan kemampuan komunikasi matematis pada materi relasi dan fungsi  yang mencapai tingkat kevalidan, kepraktisan, dan keefektifan. Penelitian ini menggunakan model rancangan pengembangan 4D, yang dimodifikasi menjadi 3D, yaitu define (definisi), design (perancangan), development (pengembangan), tanpa menggunakan tahap keempat yaitu disseminate (penyebaran), karena hal ini merujuk kepada tujuan awal dari penelitian ini ialah untuk mengembangkan media yang valid, praktis dan efektif yang terdapat pada langkah  ketiga pengembangan  model ini yaitu development. Subjek dalam penelitian ini adalah siswa kelas VIII SMPN 8 Sengah Temila dengan jumlah siswa sebanyak 20 siswa. Instrumen yang digunakan dalam penelitian ini adalah lembar validasi, angket, dan soal pre-test post test. Berdasarkan hasil penelitian yang pertama adalah validasi aplikasi dompet pintar berbasis strategi saintifik learning yaitu dengan nilai rata-rata dari ketiga ahli sebesar 85,416% dalam kriteria sangat valid dengan kategori sangat baik. Yang kedua adalah nilai kepraktisan, dilihat dari nilai angket yang diisi guru dam siswa diperoleh persentase sebesar 83,93% dengan kriteria sangat praktis. Selanjutnya keefektifan, dilihat dari nilai rata-rata siswa dengan merujuk pada skala likert. Artinya, terdapat peningkatan nilai hasil belajar siswa dalam kemampuan komunikasi matematis, sehingga aplikasi dompet pintar dikatogerikan efektif. Berdasarkan hasil tersebut disimpulkan bahwa pengembangan aplikasi dompet pintar berbasis strategi saintifik learning terhadap kemampuan komunikasi matematis pada materi relasi dan fungsi di SMPN 8 Sengah Temila tergolong valid, praktis, dan efektif untuk digunakan.    

Fintech syariah mulai tumbuh dan berkembang di Indonesia. Perkembangan yang cukup dratis dikalangan umat islam menaruh kepercayaan besar berinvestasi syariah ditambah dukungan generasi milenia dan generasi Z yang lebih berminat atas sistem yang serba cepat dan sistematis ditengah industri pendanaan resakdana dinilai semakin tertekan. Awal mula berdirinya fintech syariah merupakan respon dari berkembangnya perusahaan fintech konvensional yang mengenakan bunga ditiap operasi kegiatannya. Fintech syariah yang tidak mengandung unsur: Riba (Bunga), Gharar (Ketidakjelasan), Maysir (Judi), Tadlis (Penipuan), Dharar (Bahaya), Zulm (Ketidakadilan), dan Haram serta sistem akad syariah terkait hukum kontrak online dimana memberlakukan asas-asas hukum kontrak syariah berdasarkan hukum islam menjadi fenomena baru di tengah perkembangan bisnis keuangan syariah. Tujuan penelitian yaitu memberikan gambaran literasi tentang pemahaman fintech syariah terkait teori, dasar hukum fintech syariah, manfaat, resiko, sistem akad fintech syariah dan perkembangan fintech syariah yang sedang berkembang di Indonesia. Pengunaan metode kualitatif deskriptif berupa pengamatan perilaku dengan studi literatur dari buku teks, artikel media massa dan literatur online dipakai sebagai teknik pengumpulan data. Hasil penelitian ini adalah semua transaksi fintech syariah memegang teguh prinsip syariah, dimana sistem akad dianggap sah apabila sejalan dengan hukum syariah ditengah perkembangan fintech syariah yang mulai diminati semua kalangan pembisnis syariah.

Educational problems always arise along with the development and increase of students' abilities, situations and environmental conditions that exist due to the influence of information and culture as well as the development of science and technology. The geography subject for the material of the Theory of the Formation of the Universe according to the results of observations and interviews made to class X social studies 3 students at SMAN 3 Jember is considered boring material. This study used the classroom action research method. The research will be carried out as many as two cycles, if in cycle I it has been achieved as desired, namely achieved classical completeness, then the implementation of the cycle is stopped, but if the results achieved have not reached the desired one, then continued in cycle II by optimizing the researcher's hard work in applying the STAD learning model so that the expected goals are achieved. The results of learning activities in cycle II are better than learning in cycle I. The application of the STAD model learners has succeeded in increasing students' abilities and increasing student activity by 93.75%, growing awareness to always uphold cooperation in solving problems together so as to realize a high social sense between friends in school  

Salah satu kemampuan guru yang harus dilakukan penilaian oleh Kepala Madrasah yaitu menilai hasil pembelajaran. Permasalahan yang ditemukan bahwa guru hanya melakukan penilaian pada aspek kognitif saja tanpa melakukan penilaian pada aspek afektif dan psikomotorik, masih adanya guru yang tidak membuat analisis hasil belajar siswa, dan masih banyak guru yang tidak membuat dan melaksanakan program remedial bagi siswa yang belum tuntas. Permasalahan tersebut mendorong peneliti untuk melakukan penelitian tindakan dengan tujuan untuk mengetahui penerapan dan efektivitas supervisi akademik Kepala Madrasah sebagai upaya meningkatkan kemampuan guru dalam melaksanakan penilaian hasil pembelajaran siswa di MTs Muhammadiyah Lempangang Kab. Gowa Tahun Pelajaran 2022-2023. Penelitian ini merupakan Penelitian Tindakan Sekolah yang dilakukan dalam 3 siklus. Hasil yang didapatkan selama melaksanakan penelitian yaitu terjadi peningkatan kemampuan guru pada siklus I, II, dan III sebesar 68,63%, 77,88%, dan 86,88%. Sedangkan ketuntasan individu pada siklus I, II, dan III sebesar 25%, 50%, 100%. Berdasarkan hasil tersebut menunjukkan bahwa pembinaan melalui penerapan supervisi akademik Kepala Madrasah dapat meningkatkan kemampuan guru dalam melaksanakan penilaian hasil pembelajaran siswa. Kegiatan supervisi akademik ini juga memiliki efektivitas dalam meningkatkan kemampuan guru dalam melaksanakan penilaian hasil pembelajaran siswa.