Publication Search

Islamic Financial Institutions play a vital role in strengthening the Islamic economy in Aceh, particularly through financing micro businesses. Article 14 of Qanun Aceh Number 11 of 2018 sets a target of 40% profit-sharing-based financing for Micro, Small, and Medium Enterprises (MSMEs) by 2024. However, the realization of financing with profit-sharing contracts is still low. This study aims to examine the implementation of Qanun Number 11 of 2018 in facilitating micro business financing in Aceh, identify obstacles in its implementation, and analyze the roles of the government, society, and the private sector in supporting this process. The study uses an empirical juridical method, collecting data through literature studies, interviews, and observations. Data analysis is conducted qualitatively with a prescriptive analytical approach. Challenges to financing distribution include business actors not meeting credit quality assessments and prudential banking standards, causing banks to implement risk management strategies to prevent non-performing loans. Additionally, low financial literacy among business actors remains a significant barrier. The local government supports micro business financing by establishing the Technical Implementation Unit of the Integrated Business Service Office, providing financial assistance, and introducing the draft Qanun of Aceh Sharia Financing Guarantee. Bank Aceh Syariah offers training and coaching for MSMEs, while Bank Syariah Indonesia aids MSMEs through the MSME Center and the Muslim Entrepreneur program. Improving financial literacy is essential for business development. The study recommends that the Aceh Government strengthen the implementation of Qanun Sharia Financial Institutions, increase profit-sharing-based MSME financing, and promote financial literacy.

This community service program aims to improve the capacity and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Paku Village, Payung District, South Bangka, through an integrated intervention approach. The program's primary focus is education on legal protection, digital financial literacy, and product marketing, which can strengthen the competitiveness of rural MSMEs. Rural MSMEs often face various challenges, such as difficulties in complying with legal regulations, limited access to financing, and limited market reach, which hinder their growth. Therefore, this program adopts a participatory approach involving workshops, training, and direct mentoring to provide MSMEs with the knowledge and skills necessary to overcome these challenges. Expected outcomes of this program include increased understanding of business legality, adoption of digital financial transactions, and the implementation of effective digital marketing strategies. Through the integration of these three aspects, this program aims to increase MSME income, expand their competitiveness, and create new jobs at the local level. With long-term impacts that include village economic development and community empowerment, this program is expected to become a sustainable model for MSMEs in other villages in the area.

This community service program aims to improve the capacity and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Paku Village, Payung District, South Bangka, through an integrated intervention approach. The program's primary focus is education on legal protection, digital financial literacy, and product marketing, which can strengthen the competitiveness of rural MSMEs. Rural MSMEs often face various challenges, such as difficulties in complying with legal regulations, limited access to financing, and limited market reach, which hinder their growth. Therefore, this program adopts a participatory approach involving workshops, training, and direct mentoring to provide MSMEs with the knowledge and skills necessary to overcome these challenges. Expected outcomes of this program include increased understanding of business legality, adoption of digital financial transactions, and the implementation of effective digital marketing strategies. Through the integration of these three aspects, this program aims to increase MSME income, expand their competitiveness, and create new jobs at the local level. With long-term impacts that include village economic development and community empowerment, this program is expected to become a sustainable model for MSMEs in other villages in the area.

Digital transformation has become a necessity for State-Owned Enterprises (BUMN), particularly BRI, to face disruptions in the technological era. This study evaluates the reskilling and upskilling programs at BRI Medan in addressing the need for digital competencies, productivity improvement, and digital banking services. A mixed-method approach was used through in-depth interviews and questionnaires with program participants and HR management at BRI Medan, supported by digital policy documents and performance reports. The analysis focused on digital competencies, participant satisfaction, team performance impact, and regional implementation scale. Initial results indicate that the program emphasizes digital literacy, cybersecurity, the use of digital platforms, basic data analytics, and digital customer service. There was an improvement in skills and adaptability despite challenges such as limited training resources, varying employee profiles, and the need for job-specific customization. Positive impacts on operational efficiency and digital customer satisfaction were identified, with the acceleration of data-driven initiatives. The discussion highlights sustainable design, routine monitoring and evaluation, and the integration of the program into career paths. Policy implications: expansion of the program at Medan branches with a clear budget and strengthening the digital learning ecosystem. This study provides a practical overview of how BUMN, particularly BRI Medan, manages digital transformation through regional competency development.

Digital transformation has become a key catalyst in the reform of tax administration in the data-driven economy era. This study aims to analyze the role of digital transformation and fiscal incentives in enhancing taxpayer compliance, with tax literacy serving as a significant reinforcing variable. A quantitative approach was employed using primary data collected through questionnaires distributed to active taxpayers in Indonesia. Multiple linear regression analysis was applied to examine the relationship between digital transformation, fiscal incentives, tax literacy, and taxpayer compliance. The findings reveal that digital transformation has a positive and significant impact on improving taxpayer compliance by enhancing efficiency and transparency within the tax administration system. Fiscal incentives were also found to be effective in encouraging compliance motivation, particularly when integrated with digital systems that simplify tax reporting and payment processes. Moreover, tax literacy plays a strong mediating role, amplifying the effects of digital transformation and fiscal incentives on compliance behavior. These results confirm that successful tax reform in the digital era depends not only on technological infrastructure but also on improving taxpayers’ awareness and understanding of fiscal responsibility. This study provides both theoretical and practical contributions to the development of adaptive, transparent, and sustainable national fiscal policies. It recommends that the government strengthen the integration of the national digital tax system, develop data-based tax literacy programs, and refine fiscal incentive designs to more effectively promote long-term taxpayer compliance.

The POSEIDON 2025 program is a community service initiative focused on enhancing environmental resilience and improving the welfare of coastal communities in Kalijaga Hamlet. The program began with a series of surveys aimed at identifying environmental conditions, social dynamics, and the main issues faced by local residents. The survey results revealed rapid sedimentation, accumulated waste along the coastline, and seawater intrusion that rendered groundwater unfit for consumption. Based on these findings, several solution-oriented activities were designed, including the installation of a water filter in the mosque, seminars and socialization on the functions and conservation of mangroves, the planting of 100 mangrove seedlings, the restoration of the Community Hall with the addition of an environmental-themed reading corner, and a beach clean-up activity. The program was carried out over three days with the involvement of local residents, students, academics, and social organizations. The implementation results showed an increase in public awareness of the importance of protecting mangrove ecosystems and coastal cleanliness, improved access to clean water, and enhanced environmental literacy among children. This program demonstrates that interdisciplinary collaboration and active community participation play a vital role in achieving sustainable and resilient coastal development.

Freedom of expression is a fundamental human right, yet it is not absolute, as it may be restricted under certain conditions in accordance with international law, such as the protection of reputation, national security, and public order. In Indonesia, this right is guaranteed by the 1945 Constitution of the Republic of Indonesia and its derivative regulations. However, the rapid development of information and communication technology has reshaped the landscape of public discourse. The digital space, while facilitating easier access to and dissemination of information, also presents challenges, including hate speech, misinformation, cyberbullying, and the potential for criminalization due to ambiguous regulations.To respond to these challenges, the Regional Board of Nasyiatul Aisyiyah (PDNA) Semarang organized a community service program in the form of a public dialogue titled “Freedom of Speech: Between Rights and Risks” on August 9, 2025, at the Hall of the Central Java Provincial Archives and Library Service. This activity was carried out through a participatory approach by academics who are also members of PDNA, together with the PDNA Semarang board. Two speakers were presented, Dr. Mochamad Riyanto, S.H., M.Si., a legal expert from Universitas 17 Agustus (Untag) Semarang, and Aris Mulyawan, Chair of the Alliance of Independent Journalists (AJI) Semarang. The dialogue produced three main findings: first, the need for legal awareness so that freedom of expression does not lead individuals into legal problems; second, the importance of digital literacy to reduce the spread of hoaxes and hate speech; and third, the urgency of building safe digital spaces through collaboration among communities, media, and educational institutions. The discussion emphasizes that freedom of expression in the digital era must be understood as both a right and a responsibility, requiring a fair regulatory ecosystem and continuous digital literacy enhancement

English literacy at early childhood is a crucial foundation for language development, cognitive growth, and academic readiness. TK Desa Bagi 01, despite its high academic achievements, faces several challenges in teaching English, including a busy daily schedule, limited learning time, and restricted access to interactive learning media. This community service program was designed to address these challenges by introducing English literacy to young learners in a creative and engaging manner while simultaneously enhancing teachers’ skills in employing interactive and contextually relevant teaching media. The program employed several methods: observation of current teaching practices, planning and development of creative learning media such as flashcards, posters, storybooks, and puppets, implementation of learning activities through play-based approaches, and evaluation of student and teacher outcomes. The results indicate a significant increase in student enthusiasm, active participation, and comprehension of basic English vocabulary. Teachers also demonstrated improved creativity and confidence in using various teaching media to support literacy learning. This program shows that English literacy can be effectively fostered in early childhood using simple, locally relevant, and sustainable media. Furthermore, it highlights the importance of teacher development in enhancing the quality of English learning in rural school contexts. Overall, the initiative provides a practical model for integrating interactive English literacy education in early childhood settings with long-term potential for rural education improvement.

Mental health is an increasingly critical issue among Generation Z, particularly due to rising academic and social pressures faced by adolescents. This community service program aimed to improve students’ mental health literacy through digital-based education utilizing the Psy-Share platform. The program was conducted at SMAN 93 Jakarta, involving direct health education and the distribution of a Google Form to map students’ psychological conditions and assess their need for online mental health services. Evaluation results showed that 95.8% of respondents agreed with the formal launch of Psy-Share, indicating a high level of acceptance toward digital and innovative educational approaches. However, the development process of this platform encountered challenges, particularly in brand building and addressing stigma surrounding online mental health services. In response, the implementing team developed a robust branding strategy and emphasized educational public communication supported by user testimonials. This program demonstrates that digital approaches can be effective tools in promoting mental health education among adolescents and expanding access to inclusive, responsive mental health services tailored to Generation Z's needs.

Students as agents of change play an important role in the process of community development, not only in the academic environment but also in responding to various social issues. Community service is part of the Tri Dharma Perguruan Tinggi (Three Pillars of Higher Education), which emphasizes the application of knowledge while improving the social, spiritual, and economic quality of society. This study explores the implementation of the “Student Service: Al-Qur'an Generation, Literacy, and Economic Independence” program in Merambung Village, Tangkit Hamlet. This program focuses on three main aspects, namely strengthening religious education through Al-Qur'an teaching at the Al-Qur'an Education Park (TPA), improving basic literacy through guidance in reading, writing, and arithmetic, and empowering the local economy through assistance for micro, small, and medium enterprises (MSMEs). The Participatory Action Research (PAR) method was used, actively involving the community in every stage of the program's implementation. The results of the study showed a significant increase in the ability to read the Qur'an and the application of spiritual values, an increase in interest and skills in basic literacy, and an increase in the competitiveness and independence of MSME actors through training and the use of promotional media. In addition to providing direct benefits to the community, this program also helped develop students' capacity in the application of knowledge, social empathy, and leadership competencies. The findings of this study confirm.

Community empowerment is an important pillar in social development in Indonesia. This article discusses the implementation of the Merdeka Belajar-Kampus Merdeka (MBKM) Program by students of the Christian Leadership Study Program, Faculty of Theology, Tarutung State Christian Institute in Hutaraja Simanungkalit Village, Sipoholon District, North Tapanuli Regency. This activity focuses on spiritual and social development, through a literacy mentoring program for children and support for the elderly. The research method used is a qualitative descriptive approach with a collaborative participatory method, which allows active interaction between students and the community. Data collection was carried out through observation, informal interviews, and documentation of activities. The evaluation results showed that the program succeeded in improving children's basic literacy skills and providing emotional support for the elderly, as well as strengthening social relationships in the community. Through this experience, students developed social skills and empathy, while the community felt the positive impact of student involvement. This article emphasizes the importance of collaboration between the academic world and local communities in realizing effective and sustainable empowerment.

Kramat Village, located in Tlanakan District, Pamekasan Regency, is a coastal area with abundant fisheries resources, one of which is fish paste (petis ikan), a long-standing local product. However, the processing businesses in this village still face challenges, particularly in terms of simple packaging and traditional marketing patterns, making it difficult to compete in modern markets. To address these issues, the Community Service Program (KKN) of Universitas Madura implemented training and mentoring focused on packaging innovation and the introduction of digital marketing strategies. The implementation methods included field observations, interviews with business actors, training to improve product quality, trial application of new packaging, and program evaluation. The results indicated significant improvements in product packaging quality, entrepreneurial skills in branding, and the utilization of social media as a promotional tool. A key achievement was the shift in entrepreneurs’ mindset from merely producing for local consumption to targeting broader markets. The program’s contribution lies in producing more competitive fish paste products, enhancing entrepreneurial literacy among the community, and strengthening the competitiveness of local MSMEs. Therefore, this KKN activity not only creates short-term impacts but also opens opportunities for sustainable community economic development.

This study aims to analyze the forms, processes, and impacts of agricultural entrepreneurship service and product innovation conducted by university students on the development of micro, small, and medium enterprises (MSMEs) in Sumbawa Regency. The research employed a descriptive qualitative approach, utilizing in-depth interviews, participatory observation, and document analysis as data collection techniques. The participants included student entrepreneurs, agricultural MSME actors, and academic supervisors. The findings indicate that students play a significant role in developing knowledge- and technology-based innovations, particularly through local product branding, digital marketing, and the application of design thinking. These innovations contribute to increasing product value, expanding market reach, and enhancing managerial capacity among MSME actors. However, challenges such as limited resources and low digital literacy still affect the sustainability of innovation programs. The study highlights the importance of a quadruple helix collaboration model—linking universities, local governments, industries, and communities—to establish a sustainable and inclusive agricultural innovation ecosystem.

The rapid expansion of digital platforms in higher education has paved the way for Virtual Exchange (VE) as a viable alternative to traditional student mobility programs. VE leverages online technologies to connect university students from diverse cultural and academic backgrounds, enabling cross-cultural communication and global collaboration without the financial and geographical barriers associated with physical exchanges. Despite its potential, challenges remain regarding student engagement, technological limitations, and reduced immersion compared to face-to-face interactions. This study aims to evaluate the effectiveness of VE in fostering intercultural awareness and teamwork skills among university students. A mixed-method approach was employed, combining quantitative surveys to measure intercultural competence and collaboration with qualitative interviews to explore students’ experiences in depth. The findings indicate that VE contributes significantly to the development of intercultural understanding, digital literacy, and teamwork, with students reporting enhanced awareness of cultural diversity and improved adaptability in online collaboration. Visual and statistical analyses highlight clear patterns in how VE facilitates skill development, while qualitative data emphasize both the benefits and obstacles students encounter, such as managing time zone differences and cultural nuances. The study concludes that VE represents an inclusive and scalable educational approach that complements traditional exchange programs, offering broader access to global learning opportunities while addressing issues of equity and accessibility. However, its limitations suggest that VE should be integrated strategically, potentially through hybrid models that balance virtual and physical mobility to maximize its impact.

Increasing competition in the food industry requires companies to not only focus on product innovation and market expansion but also on strengthening internal human resource capabilities through long-term strategies. PT. Surya Pratista Hutama addresses this challenge by implementing a Talent Management Sistem (TMS) designed to identify, develop, and retain high-potential employees (HiPos), while simultaneously ensuring sustainable leadership development and succession planning. This study employed a qualitative case study approach by utilizing observations, in-depth interviews, and a paper review to obtain comprehensive insights into the company’s practices. The findings reveal that the identification of HiPos is carried out through a rigorous and consistent process using the 9-box grid as a key assessment tool. The emphasis on consistency in evaluation highlights the organization’s effort to ensure fairness and accuracy. Employee development is facilitated through multiple strategies, including formal training, mentoring programs, job rotation, and other structured learning initiatives. Retention strategies focus on providing competitive compensation packages, developing financial literacy skills, and fostering a collaborative organizational culture that values employee contributions. The implementation of TMS at PT. Surya Pratista Hutama has shown positive impacts, particularly in reducing employee turnover rates and improving leadership performance. However, the study also identifies several challenges, especially related to the need for clearer procedural guidelines and more specific development strategies to optimize outcomes. Overall, this research demonstrates that a well-structured TMS can serve as an effective mechanism for building sustainable human resource capabilities in highly competitive industries such as food manufacturing.

This study examines the effectiveness of Open Data policies in enhancing public participation and government accountability in Poso Regency. Utilizing a library research approach, it analyzes secondary data to assess how open access to public data fosters transparency and civic engagement. The findings reveal that Open Data, through initiatives like the Village Information Sistem (SID), improves administrative efficiency and financial oversight, yet faces challenges such as limited digital literacy, unstable internet connectivity, and public apathy. These factors hinder optimal participation and accountability. The study highlights the need for digital literacy programs, improved infrastructure, and inclusive leadership to maximize the policy’s impact. Open Data serves as a catalyst for sustainable local governance and development in Poso.

This study aims to assess the effectiveness of the Jakpreneur program in reducing unemployment in South Jakarta. Jakpreneur is a strategic initiative launched by the Jakarta Provincial Government as a concrete effort to empower Micro, Small, and Medium Enterprises (MSMEs). This program is designed with various forms of support, such as skills training, business mentoring, legal licensing facilitation, product marketing support, and easy access to capital. This aims to create an inclusive and sustainable entrepreneurial ecosystem, especially amidst the complex challenges of the urban economy and the ongoing unemployment rate. However, in its implementation on the ground, the program's effectiveness still faces several obstacles. One of the main problems identified is the suboptimality of information technology-based training. Many participants have not yet mastered basic digital skills, making it difficult to keep up with developments in training methods that rely on technology. In addition, the low level of responsiveness of program facilitators to participant needs, as well as the limited digital literacy of MSMEs, also hinders maximizing the benefits of this program. This study uses a descriptive qualitative approach with data collection techniques through in-depth interviews, participant observation, and documentation studies. The findings indicate that, despite some shortcomings, the Jakpreneur program has been generally successful in improving participants' entrepreneurial knowledge and skills, reaching the right target audience, and having a tangible impact on increasing business capacity and reducing unemployment. Therefore, strengthening outreach, improving the quality of digital training, and providing more active and responsive mentoring is necessary to further enhance the program's effectiveness.

The Rempang Eco City area in Batam City has great potential for SMEs, especially in the culinary and local product sectors. However, the development of SMEs in this area is still limited due to a lack of knowledge about product packaging and minimal use of digital technology for marketing. The mentoring program conducted by KKN student group 62 aims to improve the competitiveness of SMEs through strengthening more modern packaging and digital marketing strategies using social media, especially Instagram. The method used is a qualitative approach with participatory observation, in-depth interviews, and group discussions. The stages of activities include an initial survey to map the potential and conditions of MSMEs, conducting workshops and training on product design, packaging, and digital marketing, as well as direct assistance in creating and managing social media accounts. The results of the activities show an improvement in the ability of MSME actors to create attractive packaging designs, manage social media as a product showcase, as well as increased digital interaction with consumers. This program successfully increased the selling value of products, expanded market reach, and built the confidence of MSME actors. Although there are challenges related to digital literacy and creativity, this program has a positive long-term impact in promoting economic independence in the community and strengthening local cultural identity in Rempang Eco City.

Extreme poverty remains a major challenge in rural areas of Indonesia, including Nagori Bandar Manik, Pamatang Sidamanik District, Simalungun Regency. The 2025 UINSU Community Service Program (KKN) was carried out to empower local communities through various activities covering economic, educational, religious, social-environmental, and health aspects. This program employed a qualitative approach by involving active community participation in needs assessment, socialization, training, and evaluation. In the economic aspect, workshops on dishwashing liquid and herbal pesticide production were implemented as alternative household businesses. The educational sector included religious moderation through a short movie screening Mabbere, anti-bullying campaigns, ecoprint totebag training, and teaching at kindergarten, elementary, and junior high school levels. In the religious field, activities included Qur’an learning after Maghrib with children and Yasin recitals for both men and women. The social-environmental aspect was realized through community clean-up, educational boards on waste decomposition, distribution of garbage bins, and environmental awareness campaigns. Meanwhile, the health aspect focused on education about clean and healthy living behaviors, stunting prevention campaigns, and community exercise. The findings revealed improvements in entrepreneurial skills, children’s literacy, spiritual values, environmental awareness, and healthy lifestyles. The implication highlights that multidimensional community empowerment can serve as an effective strategy to reduce extreme poverty and promote sustainable village development.  

Literacy is a fundamental skill essential for academic, social, and cultural development, yet interest in and culture surrounding literacy remain low in rural areas such as Desa Toapaya, Indonesia. This community service program aimed to strengthen basic literacy at SDN 005 Toapaya through a collaborative and integrative approach involving the school, university students, the Bintan Library Office, families, and local communities. The method employed was participatory and collaborative, implementing the SIBER CERDAS program (Synergy of Interactive Learning, Literacy, and Numeracy), which included shared reading, interactive discussions, quizzes, writing and storytelling competitions, and interactive numeracy activities. The results showed increased student motivation and participation in literacy and numeracy activities, as well as improved confidence in oral expression. Additionally, there was a noticeable improvement in students’ engagement with reading materials. Challenges faced included limited reading materials, inconsistent literacy habits at home, and lack of awareness about the importance of regular literacy practice. To ensure sustainability, ongoing support from schools, families, and local government, along with strengthened cooperation with libraries and communities, is necessary. Encouraging active participation and fostering a habit of regular reading is crucial for the long-term success of such initiatives. This program successfully created an inclusive and sustainable literacy ecosystem and serves as an adaptable model for similar rural communities, offering valuable lessons in community-driven educational development.