Publication Search

80,019 articles from 749 journals · 2,111 citations tracked

Showing 1701-1720 of 8,443

Analytics

Muhammad Atha Iqbal; H. Moh. Juhad

Jurnal Relasi Publik 2025 International Forum of Researchers and Lecturers

This study aims to analyze the implementation of the LAPORBUP application in improving public information services and identify obstacles to its implementation at the East Lombok Regency Communication and Informatics Office. LAPORBUP is a digital-based public service innovation that makes it easier for the public to convey complaints, aspirations, and suggestions quickly, transparently, and accountably. This study uses a qualitative approach with data collection techniques through in-depth interviews, observation, and documentation. The data obtained are analyzed descriptively qualitatively. The results show that the implementation of LAPORBUP is able to improve the quality of public information services through a more practical, open, and responsive reporting system. The public can monitor the progress of reports through a ticket system, while the government uses report data as a basis for policy evaluation. In addition, socialization through various media has also encouraged increased public understanding and use of the application. However, the implementation of LAPORBUP still faces several obstacles. Internal obstacles include limited human resources, minimal technical training, and limited operational budget. Meanwhile, external obstacles include low digital literacy among the public and a lack of awareness among some residents in utilizing the service. Thus, LAPORBUP has made a positive contribution to strengthening public information services in East Lombok Regency. Through increased human resource capacity, enhanced digital literacy, and adequate budget support, this application has the potential to become a model for technology-based public service innovation that can strengthen government-community relations and support transparent, accountable, and responsive governance

Setia Hidayah; Muhammad Zulfikar; Rosnani Siregar

International Journal of Communication, Tourism, and Social Economic Trends 2025 Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Digital development has significantly influenced business practices, particularly for Micro, Small, and Medium Enterprises (MSMEs), which are required to adapt to technological changes in order to remain competitive. However, many MSMEs still rely on conventional marketing methods and have limited understanding of digital marketing and digital financial management. This community service program aims to strengthen MSMEs’ competitiveness through the implementation of digital marketing strategies that support market expansion and improve business sustainability. The program was conducted using a qualitative descriptive approach through a series of community service activities, including field observations, interviews, seminars, and mentoring sessions for MSME actors. The focus of the activities was to introduce and assist MSMEs in utilizing digital marketing platforms, particularly social media such as Instagram, TikTok, and Facebook, as well as online marketplaces, to promote products more effectively. In addition, MSME participants were introduced to basic digital financial applications to support more structured and transparent financial recording. The results of the community service activities indicate positive changes among MSME participants, including increased awareness of the importance of digital marketing, improved product branding, broader market reach beyond local areas, and better financial management practices compared to previous manual recording methods. The adoption of digital marketing strategies enabled MSMEs to communicate product information more efficiently and build consumer trust through online presence. This community service program demonstrates that digital marketing assistance combined with practical mentoring can enhance MSMEs’ competitiveness and contribute to improving community economic welfare. Continuous support and consistency from MSME actors are essential to ensure the sustainability of digital transformation initiatives.

Atika Rahmadiarti; Dandy Patria; Ika Devy Pramudiana

International Journal of Humanities and Social Sciences Reviews 2025 Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Efficient and integrated public transportation services are a strategic need in sustainable urban development. The Surabaya City Government through the Transportation Department initiated the Wira-Wiri Feeder service on the Bratang-Pasar Turi route (FD07) as a feeder mode that connects densely active areas in the east and west of the city. This study aims to evaluate the implementation and performance of FD07 services using the public policy evaluation framework of William N. Dunn (2003) which includes the dimensions of effectiveness, efficiency, adequacy, justice, responsiveness, and policy accuracy. The research uses a descriptive qualitative approach with data collection techniques through field observations, in-depth interviews, and documentation studies. The results of the study show that the implementation of FD07 services has been running according to operational procedures with an average of 651 passengers per day, supported by field supervision and the Surabaya Integrated Urban Transport System (SIUTS) digital system. However, there are still obstacles in the form of limited fleet numbers, non-professional drivers, limitations of senior mechanics, and inadequate system development budgets. Dunn's six-dimensional evaluation shows that the effectiveness and efficiency of the service are in the medium category, with the main challenges being the accuracy of schedules and the accessibility of bus stop facilities for people with disabilities. This study concludes that improving the quality of human resources, adding fleets, strengthening digital systems, and massive public socialization are strategic steps to realize effective, inclusive, and sustainable feeder services in the city of Surabaya.

FA. Luky Primantari; Silvia Yulita Ratih Setyo Rahayu; Zandra Dwanita Widodo

International Journal of Industrial Innovation and Mechanical Engineering 2025 Asosiasi Riset Ilmu Teknik Indonesia

Civil engineering infrastructure development plays a vital role in driving economic progress and enhancing the quality of life within communities. The success of infrastructure projects depends not only on budgetary and technological factors but also on the quality of human resources (HR) involved in every project phase, from planning to maintenance. This literature review highlights that skilled and competent HR is a critical factor in achieving project success, particularly amidst increasing complexity and the challenges posed by globalization. Key issues faced by the sector include a shortage of skilled labor, high turnover rates, and a misalignment between educational outcomes and the skills required in the field. Additionally, technological advancements, such as the adoption of Building Information Modeling (BIM) and Artificial Intelligence (AI), demand continuous skill enhancement to adapt to the growing automation of industry processes. Effective HR management—encompassing ongoing education, fair incentive systems, and the integration of technology into HR practices—is essential for boosting productivity and mitigating risks during project execution. A comprehensive approach, including a structured HR management system, is required to ensure the sustainability and quality of infrastructure development. This study aims to provide an in-depth understanding of the critical role of HR management in the civil engineering sector and proposes practical recommendations for improving HR quality to meet the evolving demands of the construction industry.  

Davis Achriyandi Hisyammudin; Aayudyah Eka Apsari

International Journal of Industrial Innovation and Mechanical Engineering 2025 Asosiasi Riset Ilmu Teknik Indonesia

The production process of wooden batik at Sanggar Peni Krebet plays an important role in preserving local culture and supporting the economy, but workers face the risk of musculoskeletal disorders due to unergonomic working positions when performing activities such as sculpting, sanding, batik making, and boiling . Based on the NBM questionnaire on 15 workers, the highest complaints were found in the right upper arm (100%), right wrist (100%), and waist (88%). Research using the RULA and REBA methods revealed the batik activity to have a very high risk (RULA 7, REBA 11), requiring immediate improvement, while boiling had a medium to high risk (RULA 5, REBA 9), requiring investigation and change. The EFD emphasizes the importance of designing batik boiling stoves, chairs and tables that consider height according to the worker's body size, ergonomic working positions, and comfortable strainer handles. Tool development should focus on improving comfort, safety and efficiency, with design adjustments to support workers' postures and use lightweight yet strong materials. The application of these elements is expected to improve safety and productivity in the batik industry.

Govari, Muhammad Khoirul; Iwan, Muhammad; Irawan, Doddy; Gunarto Gunarto; Fuazen Fuazen +2 more

International Journal of Industrial Innovation and Mechanical Engineering 2025 Asosiasi Riset Ilmu Teknik Indonesia

This experiment investigates the heat transfer characteristics of an ice bag gel phase change material (PCM) incorporated within bricks. The study seeks to investigate the performance of ice bag gel as PCM in improving thermal behavior of building material. The experiment consisted of subjecting brick samples with and without ice bag gel PCM to thermal cycles in a semi-automated laboratory setup. The results indicate that ice bag gel PCM incorporated in bricks exhibited minimal changes and better heat transfer as compared to the dry bricks. It was observed that the ice bag gel PCM registered lower peak temperature and slower rates of temperature drop which means their heat storage and release characteristics were efficient. Furthermore, the ice bag gel system produced a steady radiation flux, indicating that it was able to minimize the effects of temperature variations. These results imply that ice bag gel PCM has the potential to be a green and economical option for enhancing thermal comfort and decrease energy consumption in buildings.

Nethania Clara Yashinta; Made Surya Putra

International Journal of Management Science and Entrepreneurship 2025 International Forum of Researchers and Lecturers

The purpose of this study is to examine and explain the influence of workload on job satisfaction with job stress as a mediating variable at PT. BPR Karya Artha Sejahtera Indonesia. This research employs a quantitative causality approach with a sample of 86 respondents selected using a saturated sampling technique. Data were collected through questionnaires and analyzed using inferential analysis with the SEM-PLS (Structural Equation Modeling – Partial Least Squares) method through the SmartPLS version 4.0 software. The results indicate that workload has a positive effect on job stress and a negative effect on job satisfaction. Job stress has a negative effect on job satisfaction and is proven to mediate the relationship between workload and job satisfaction. These findings support the two-factor theory and emphasize that poorly distributed workload can cause employees to experience stress at work. Job stress can reduce employees’ satisfaction with their jobs. This study is expected to provide practical contributions to the research site in improving job satisfaction by considering workload and job stress.

Dewa Ngakan Putu Haris Aricandra; Putu Saroyini Piartrini

International Journal of Management Science and Entrepreneurship 2025 International Forum of Researchers and Lecturers

This study confirms that brand trust and product involvement have an important role in increasing brand engagement among Kamen RareBali consumers. The analysis results show that brand trust has a significant positive effect, meaning that the higher the level of consumer trust in the brand, the greater their involvement with the brand, both through interactions on social media and product purchases. This is in line with the theory that trust in the brand is an important foundation in building loyalty and long-term relationships with consumers. Meanwhile, product involvement also shows a significant positive effect, indicating that consumers who feel more involved, interested, or care about the product tend to be more active in brand engagement . These findings indicate that Kamen RareBali needs a strategy that emphasizes improving consumer experience with the product, including through educational content, interactive promotions, and personalized services. Simultaneously, these two variables explain 63.1% of the variation in brand engagement , implying that other factors such as service quality, shopping experience, and communication strategy also influence consumer engagement. The practical implication is that companies should focus on building brand trust through positive reputation, testimonials, and transparency, as well as increasing product engagement through emotional experiences and meaningful interactions.

Juan Agustino Parulian Sitohang; Miska Irani Br Tarigan; Theresa Sisilia Situmorang

International Journal of Management Science and Entrepreneurship 2025 International Forum of Researchers and Lecturers

This study investigates the role of knowledge management (KM) capabilities in enhancing managerial decision-making within organizational settings. Using a systematic review approach, ten peer-reviewed journals published between 2019 and 2024 were analyzed to identify key themes, patterns, and empirical findings related to knowledge management implementation and its influence on decision-making processes. The review reveals that strong knowledge management capabilities particularly in knowledge acquisition, storage, sharing, and utilization significantly contribute to improving the accuracy, speed, and strategic quality of managerial decisions. The findings also show that organizations with well-developed knowledge management infrastructures, supported by digital technologies and a culture of knowledge sharing, demonstrate greater adaptability, innovation, and problem-solving effectiveness. This study concludes that knowledge management capabilities are essential for strengthening evidence-based decision-making and enhancing organizational competitiveness. Implications for managers emphasize the need to invest in knowledge management systems and foster collaborative knowledge practices. Suggestions for future research include expanding the scope to cross-industry comparisons and integrating knowledge management with emerging technologies such as AI-based decision support systems..

I Gusti Ketut Agung Pramesta Abhirama; I Gst. Ngurah Jaya Agung Widagda K

International Journal of Management Science and Entrepreneurship 2025 International Forum of Researchers and Lecturers

The decline in sales of UD Swasta Nulus in the 2022–2024 period and the increasing competition in the printing business in Denpasar City are phenomena related to consumer purchasing decisions. This study aims to analyze the influence of product quality, price, and promotion on consumer purchasing decisions of UD Swasta Nulus in Denpasar. This study is associative-causal with a quantitative approach. The study population consisted of 385 active consumers, with a sample of 80 respondents determined using the Slovin formula. Primary data were collected through a questionnaire using a Likert scale and analyzed using multiple linear regression. The results showed that product quality had a positive and significant effect on purchasing decisions. The price variable also had a positive and significant effect on purchasing decisions. In addition, promotion had the most dominant influence on purchasing decisions, with the highest beta value and coefficient compared to other variables. Simultaneously, the three independent variables had a positive and significant effect on consumer purchasing decisions of UD Swasta Nulus. This study enriches the empirical discourse in service marketing management, particularly in the printing sector, by emphasizing the importance of the marketing mix consisting of product quality, price, and promotion in shaping consumer purchasing decisions. Practically, these findings are expected to provide insights for UD Swasta Nulus in formulating more effective marketing strategies, especially through improving print quality, setting competitive prices, and strengthening digital-based promotional strategies to reach wider consumer segments.

Rina Kharisma Wijayanti; Fedianty Augustinah; Eny Haryati

International Journal of Humanities and Social Sciences Reviews 2025 Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

This research seeks to examine the partnership between government and community in enhancing digital administrative services in Ketegan Village, Taman District, Sidoarjo Regency. The research context centers on the local government's attempts to advance digital public service transformation, which encounter obstacles like low digital literacy, insufficient infrastructure, and poor collaborative governance at the village level. The study utilized a qualitative strategy featuring a case study technique, gathering data via in-depth interviews, participatory observation, Focus Group Discussions (FGDs), and reviews of policy documents related to Sidoarjo’s Smart City initiative. The results show that although digital infrastructure and institutional dedication are in place, execution is still obstructed by restricted technological capability, unreliable internet access, and poor public digital literacy. Collaboration between the government and community is starting to develop through local projects, but it remains informal and does not have a sustainable coordination structure. The research suggests improving the digital skills of officials and citizens, creating organized digital collaboration platforms in villages, and adopting participatory assessment methods to guarantee an inclusive and flexible digital transformation. These results are anticipated to act as a guide for local authorities in enhancing governance of digital-based public services.

Choirunnisya Choirunnisya; Hanesya Izzah Salsabillah; Siti Aisyah Haramainy; Ratna Pangastuti

Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This study aims to analyze in depth the role of drumband extracurricular activities in developing motor and cognitive abilities of early childhood at Aisyiyah Bustanul Athfal 50 Kindergarten, Surabaya. This study uses a qualitative approach with data collection methods through direct observation, in-depth interviews, and the distribution of questionnaires involving teachers, parents, and students as research subjects. The results show that drumband activities provide a positive contribution to the development of gross and fine motor skills of children, especially through rhythmic movement exercises, hand-eye coordination, and body control when playing musical instruments. In addition to motor aspects, drumband activities also play a role in improving children's cognitive abilities, such as concentration, memory, the ability to follow instructions, and understanding musical patterns and rhythms. Children's active participation in drumband activities also helps shape discipline, the ability to work together in groups, and increases children's self-confidence. Thus, drumband extracurricular activities can be used as an effective and enjoyable learning medium to support the motor and cognitive development of early childhood holistically and sustainably.  

Muhammad Faizal Budiman; Mokhamad Nur Bawono

Mutiara Pendidikan dan Olahraga 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Swimming performance is strongly influenced by aerobic endurance, which enables athletes to maintain speed, technique efficiency, and physiological stability during prolonged activity. However, quantitative data regarding aerobic endurance levels among club-level swimmers in Indonesia remain limited. This study aimed to describe the aerobic endurance level of athletes from the Science Swimming Team. A descriptive research design was employed involving 11 swimmers selected through purposive sampling. Data were collected using the Cooper Swimming Test conducted over a 15-minute freestyle swimming session, and aerobic capacity was estimated through VO₂max values. The collected data were analyzed descriptively to classify aerobic endurance levels based on established normative categories by sex and age. The findings indicated that most athletes achieved good to very good performance in swimming distance; however, VO₂max classifications showed that aerobic capacity was predominantly in the moderate category, with only one female athlete reaching an excellent level. This disparity suggests that favorable distance performance does not necessarily reflect optimal aerobic capacity. The results imply the need for more targeted training programs focusing on improving VO₂max through structured aerobic and interval-based training. These findings provide practical input for coaches in designing data-driven and individualized training strategies to enhance aerobic endurance and competitive performance in swimming athletes.

Adlan Ali; Emir Zaygh

Majelis : Jurnal Hukum Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The rapid growth of online commerce in Indonesia has significantly transformed the way people fulfill their daily needs by providing easier, faster, and more flexible access to goods and services through digital technology. Despite these advantages, the development of e-commerce also presents serious challenges, including rising cases of online fraud, discrepancies between advertised and delivered products, failed transactions, and personal data breaches that threaten consumer privacy. These issues create imbalances in digital contractual relationships, undermining trust and legal certainty for buyers. This study aims to analyze the implementation of the principle of fairness for consumers in e-commerce practices in Indonesia, while also identifying regulatory weaknesses and existing dispute resolution mechanisms. Using a normative legal research approach supported by case studies, the study examines the effectiveness of relevant legal frameworks, particularly the Consumer Protection Law (UUPK) and the Electronic Information and Transactions Law (UU ITE). The findings reveal that although these regulations provide a legal basis for consumer protection, their implementation remains inadequate. Weak supervision of online business actors, limited accountability of platform providers in ensuring transaction security, and complex, costly compensation procedures continue to hinder consumer rights protection. These conditions highlight the urgent need to strengthen consumer protection systems that are more adaptive, efficient, and oriented toward public interest. The study emphasizes the importance of improving online dispute resolution mechanisms, enhancing transparency and responsibility of digital platforms, and expanding digital literacy among consumers. Such measures are essential to ensure that fairness in e-commerce is not only guaranteed normatively, but also effectively realized in everyday digital transactions.

Putri Nabila Agustin

Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Early Childhood Education (PAUD) honorary teachers in West Sumatra face serious welfare challenges, with incomes far below the Provincial Minimum Wage (UMP). This condition affects work motivation, limits access to professional development, and reduces the quality of early childhood education services. This study aims to analyze the current welfare conditions of PAUD honorary teachers, identify the factors contributing to low welfare, and offer strategic solutions involving the government, PAUD institutions, the community, and the teachers themselves. This research employed a literature review method by examining scientific journals, educational department reports, statistical data, government regulations, and supporting theories such as Human Capital and Work Motivation. The findings indicate that low welfare is caused by limited regional government budgets, reliance on parental fees, weak legal status of PAUD teachers, limited certification opportunities, and insufficient CSR and community support. Recommended solutions include increasing government funding, expanding ASN/PPPK recruitment opportunities, strengthening institutional management, collaborating with private sectors, and enhancing teacher competence through continuous training. In conclusion, improving the welfare of PAUD teachers is an urgent step to strengthen the quality of early childhood education services and support the achievement of national education goals from an early age.

Salsabila Andhini Malika Putri; Nabilla Utari; Sela Pesta Kristina Simatupang; Givaen Ray Simanjutak; Muhammad Saputra

Jurnal Pendidikan Kimia, Fisika dan Biologi 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

The School-Based Curriculum (KSP) is an operational curriculum developed by educational units to align learning objectives with the characteristics of students, local potentials, and the evolving needs of society. KSP provides schools with autonomy to develop curricula that are relevant to their local context, allowing for variations in the approach to learning. This article aims to discuss the basic concept of KSP, the challenges in its implementation, and its evaluation in the context of Indonesian education. The research method used is a literature review, analyzing theories and regulations related to KSP. The results show that KSP plays a strategic role in providing schools with the flexibility to develop curricula that meet the needs of the region and students. However, the implementation of KSP still faces various challenges, such as limited teacher competencies, insufficient understanding of curriculum principles, and weak evaluation and supervision of curriculum implementation. To address these challenges, the evaluation of KSP implementation needs to be strengthened by improving teachers' competencies, developing relevant learning materials, and enhancing ongoing curriculum supervision. By doing so, KSP can be optimized to achieve better educational outcomes in Indonesia.  

Freyro Dobry Sianipar; Ruth Amelia Vega S Meliala; Yoseph Christian Sitanggang; Adidtya Perdana

Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Information system security faces serious challenges due to increasingly complex cyber attacks. Intrusion Detection Systems (IDS) require efficient approaches to handle high-dimensional data such as the NSL-KDD dataset with 41 features. This study aims to implement the Genetic Algorithm (GA) for feature selection on the NSL-KDD dataset to improve the efficiency and accuracy of network attack detection. The method used is computational experimental research, involving data preprocessing, GA implementation for feature selection, building a classification model using Random Forest, and performance evaluation based on accuracy, precision, recall, F1-score, and computation time. The results show that GA successfully reduced features from 41 to 12 features (70.7% reduction), significantly improving computational efficiency. However, model accuracy slightly decreased from 0.4973 to 0.4951, indicating that while GA is effective for feature selection, the elimination of certain features may reduce classification capability. The implication of this study is that GA can be used as a tool to simplify intrusion detection models, but it should be combined with parameter optimization and data imbalance handling to achieve more optimal performance.  

Muhammad Zaidan Firdaus

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study examines the effectiveness of law enforcement regarding violations of Article 287 paragraph (2) of Law Number 22 of 2009 on Road Traffic and Transportation, particularly concerning red-light violations (APILL). Although the legal provisions are clearly formulated, practical implementation reveals a gap between the normative expectations (das Sollen) and actual conditions (das Sein). This research employs a normative juridical method supported by secondary empirical data, analyzed through Lawrence M. Friedman’s legal system theory and Satjipto Rahardjo’s theory of law enforcement. The findings show that the effectiveness of enforcing red-light regulations is influenced by structural aspects of law enforcement agencies, the community’s weak legal culture, and supporting facilities such as the uneven distribution of ETLE systems. The study concludes that the enforcement of Article 287 paragraph (2) remains suboptimal, and therefore requires strengthening ETLE infrastructure, improving officer professionalism, reassessing the proportionality of sanctions, and enhancing public legal education to increase traffic compliance.

Dyulius Thomas Bilo; Anggi Laurencia

Sinar Kasih: Jurnal Pendidikan Agama dan Filsafat 2025 Sekolah Tinggi Teologi Injili Arastamar (SETIA) Ngabang

This study aims to evaluate the effectiveness of the Christian Religious Education (CRE) program in enhancing the quality of classroom learning through a qualitative approach. The main focus of this research includes the planning, implementation, and evaluation of the CRE program, as well as its contribution to improving students' understanding of Christian values, character formation, and active participation in the learning process. Data were collected through direct classroom observation, in-depth interviews with teachers and students, and document analysis of learning tools and the curriculum used. The findings indicate that a contextually designed CRE program that aligns with students' needs can create a more reflective and participatory learning environment. Teachers with both pedagogical and spiritual competence play a crucial role in effectively communicating Christian values through teaching methods, exemplary behavior, and daily interactions with students. Furthermore, the integration of learning content with real-life situations encourages students to internalize Christian teachings in their attitudes and behaviors, both in school and in their daily lives. However, the study also identified several challenges, such as limited instructional time, a lack of value-based learning media development, and difficulties in motivating students with weak spiritual backgrounds. Therefore, strengthening teacher capacity, developing more creative teaching methods, and institutional support from schools are essential to optimize the role of CRE in fostering a holistic and transformative learning experience.

Zahir Muhammad Fadhilah Harahap; Haya Aghnia Azzahra; Nabila Nasywa; Nurbaiti Nurbaiti

Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

This study discusses the implementation of innovative software to improve the efficiency of information management systems at Bank Syariah Indonesia (BSI). The backround of this research begin with growing need for effective and efficient information systems in the digital era, particularly in Islamic banking which requires compliance with sharia principles. The purpose of this study is to identify how software innovation can support better service, data security, and operational effectiveness at BSI. By employing a qualitative descriptive methodology along with a literature review, this research analyzes various technological innovations such as artificial intelligence (AI), big data, and Customer Relationship Management (CRM) applications in Islamic banking systems. The findings show that the adoption of modern information technology significantly enhances operational efficiency, service quality, and competitiveness. The conclusion highlights that software innovation integrated with sharia principles strengthens the management information system and supports BSI’s vision to become a global center of Islamic finance. Future development of software should focus on improving data security and adapting to advanced technologies to further enhance customer service quality.