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Digitization of cooperatives and the use of technology are strategic steps in increasing economic competitiveness in the Madura handwritten batik sector, especially in Central Pakandangan Village, Sumenep Regency. This program aims to empower handwritten batik artisans through technology integration and digital capacity building. Some of the main activities include Search Engine Optimization (SEO) training, digital financial management through Accountable Digital Financial Management, digital cash book preparation, as well as Social Media Officer training and social media management strategies. The participants were also trained to create creative content, carry out digital branding of batik through logo design and visual branding, as well as build digital partnerships and cooperation. In addition, technological innovations are introduced through the use of night blasting machines to support production efficiency. This approach is expected to be able to increase the visibility of Madura written batik products, expand the market, and strengthen the competitiveness of artisans in the digital era. With a combination of training and the application of technology, this program contributes to the transformation of the digital-based economy in the Madura batik sector.

This study aims to design an effective cash accounting information system for an agrotourism hotel in Batu City. The data collection methods used are field studies and literature review, employing techniques such as observation, interviews, and documentation. The important significance of this research is to enhance the cash receipt procedures for hotel room rental payments by incorporating additional digital payment methods through e-wallets and QRIS, thereby increasing transaction efficiency that benefits both the hotel and consumers. The significant importance of this research is to enhance the efficiency of payment transactions, making it easier for both the hotel and consumers. The qualitative analysis in this study aims to improve the accuracy of cash recording, reduce the risk of errors and misuse of funds, enhance internal control, broaden payment options, and provide practical guidance for hotels and consumers regarding payment and cash receipt procedures. With improved cash receipt procedures, the hotel will be better prepared to meet consumer needs and increase competitiveness in response to changes.

Quality education is a fundamental foundation for human development and national progress. Women play a strategic role in supporting education at both family and community levels; however, they still face various barriers in accessing and participating in quality education. This community service program aims to empower women to support the realization of quality education through a participatory approach. The method employed is a participatory approach with a qualitative descriptive design, involving women actively in socialization, training, group discussions, and educational mentoring activities. The results indicate an increased awareness among women regarding the importance of quality education, improved understanding of women's strategic roles in family education, as well as enhanced self-confidence and participation in community-based educational activities. These changes in attitudes and behaviors serve as initial indicators of the success of women's empowerment in supporting educational quality improvement. The program demonstrates that women's empowerment through participatory approaches and continuous mentoring contributes positively to the development of inclusive and sustainable education at the family and community levels.

Islamic insurance is one of the Islamic financial instruments designed to provide financial protection based on sharia principles, such as mutual help (ta'awun) and risk-sharing. As a country with the largest Muslim population in the world, Indonesia has great potential to develop this industry. Over the past five years (2018-2022), the sharia insurance industry in Indonesia has shown consistent growth, reflected in an increase in gross contribution from IDR 12 trillion in 2018 to IDR 16 trillion in 2022. However, the market share of Islamic insurance remains small compared to conventional insurance, with key challenges including limited market scale, lack of product innovation, low public literacy in Islamic finance, and intense competition with conventional products. This article aims to analyze these challenges and formulate development strategies that can be implemented to strengthen the competitiveness of Islamic insurance in the global market. This research uses a qualitative approach based on secondary data analysis obtained from industry reports, scientific journals, and official publications. The results show that the main strategies for development include product innovation oriented to the needs of the global community, digitization of services to improve efficiency and accessibility, public education to increase Islamic financial literacy, strengthening regulations to create a conducive business environment, and strategic collaboration with international financial institutions to expand market networks.

The rapid advancement of digital technology has unlocked new opportunities in marketing, especially through social media platforms like TikTok. This study explores the synergy between viral marketing, gimmick marketing, and influencer marketing in driving the transformation of customer behavior from passive consumers to active participants within the digital marketing ecosystem. A quantitative approach was employed, collecting data from 200 respondents actively involved in digital marketing on TikTok as resellers, dropshippers, affiliates, and co-creators. Using the Partial Least Squares method for analysis, the findings reveal that viral marketing significantly influences the transformation of customer behavior. Similarly, gimmick marketing demonstrates a direct and significant impact on this transformation. Moreover, influencer marketing serves as a mediator, amplifying the effects of both viral and gimmick marketing on transformation of customer behavior. This behavioral shift is evident in the transition of consumers from passive roles to active contributors, taking on positions such as resellers, dropshippers, affiliates, and co-creators. At the same time, sellers are evolving from traditional marketing practices to utilizing e-commerce, social media, and live streaming to reach wider audiences. By actively engaging consumers, sellers foster a collaborative ecosystem where consumers play a pivotal role in expanding the marketing framework. To sustain long-term consumer engagement in this digital marketing ecosystem, it is essential to prioritize the selection of credible and relevant influencers while providing continuous education and support for resellers, dropshippers, and affiliates. This research strengthens the theory of planned behavior and the diffusion of innovations theory, offering fresh insights into designing marketing campaigns based on the 4Ps of digital marketing (Platform, Page, Program, and Posting) to address the needs of the digital era.

The fashion retail brands in Indonesia have shown a significant downward trend, particularly with well-known fashion brands like Zara. This decline reflects changes in several factors influencing consumers' purchase intentions, such as brand experience and consumer involvement. This study aims to examine the influence of brand experience and consumer involvement on the purchase intention of Zara products. The research design applied in this study is quantitative with a descriptive approach. Non- probability sampling was used due to challenges in randomly reaching all Zara consumers, as the exact number of visitors could not be accurately determined. The sampling technique applied was purposive sampling, with a total sample of 150 respondents. Based on the research results, it can be concluded that Brand Experience has significant effect on the Purchase Intention of Zara products, and Consumer Involvement also has significant effect on the Purchase Intention of Zara products.

This study explores the application of the design thinking approach in the pre-planning phase of subsidized homeownership for Generation Z in Indonesia. As Generation Z enters adulthood and begins to plan for the future, they face various challenges in achieving homeownership, particularly regarding financial issues and access to subsidized housing programs. The design thinking approach is used to gain a deeper understanding of the needs, desires, and barriers faced by Generation Z through the stages of empathy, problem definition, ideation, prototyping, and testing. By focusing on innovative and user-centered solutions, this research aims to design a more relevant and acceptable subsidized homeownership model for Generation Z. The findings of this study are expected to provide insights for housing developers and policymakers in designing more efficient and appropriate housing policies and programs that align with the socio-economic dynamics of Generation Z.

The purpose of this research is to develop a data search system for thesis and internship reports at the Faculty of Engineering Library of Gajah Putih University Takengon (UGP). This search engine will be created and used to help students and library employees access thesis and internship report information. Analysis of user needs, system design, creation of effective search algorithms, and evaluation of system performance are all topics that will be discussed in this thesis. Interviews with potential users, satisfaction surveys, and historical data collection of library usage are the methods used. It is expected that the results of this research will help library users find and retrieve thesis and internship report data and improve the accessibility and availability of academic information at the UGP Faculty of Engineering. When search engine technology is used, it is expected that the time required for Information will increase productivity, improve efficiency, and support the academic development of students at UGP.

This research aims to analyze effective digital marketing strategies in increasing sales of bag products on e-commerce platforms. In the digital era, the use of technology and online platforms is the main key for business actors to reach a wider range of consumers. This study identified various digital marketing techniques such as search engine optimization (SEO), marketing via social media, paid advertising (PPC), content marketing, as well as the use of influencer marketing. Additionally, data-driven personalization strategies and consumer behavior analysis are also discussed to improve customer experience and sales conversion. The combination of an attractive content strategy, use of data analytics technology, and consistent interaction with consumers can have a positive impact on sales of bag products on e-commerce platforms. These findings provide guidance for business actors in designing more effective and targeted digital campaigns. This research is descriptive research with a qualitative approach with the research object being digital marketing strategies to increase bag sales in e-commerce. Data types are primary data and secondary data. Primary data is data collected directly by researchers or data practitioners in the field. Meanwhile secondary data is a type of data collected from previously existing data. Data sources will be taken from documents, interview results, and results from observations. By means of private chat/message between the researcher as interviewer and the informant.

The role of financial literacy is very important in improving family welfare, especially in managing household income and expenses. Housewives, as the main manager of family finances, need a deep understanding of how to manage finances wisely. This educational program is designed to provide and improve the understanding of housewives in Klambir 5 Medan city about financial literacy. The activity methods used in this service include the presentation of financial literacy material accompanied by relevant examples, conducting interactive discussions and questions and answers to participants, and providing recommendations for financial strategies in realizing household financial welfare. Then provide assistance, and evaluate financial management practices carried out by participants in Klambir 5 Medan City in managing their household finances. The results of the program showed a significant increase in the participants' ability to manage family budgets, saving habits, and reduction of consumptive debt. The researcher also proposes a sustainable empowerment model to strengthen the impact of the program in various communities.

The large number of people with psychosocial disabilities, especially in Central Java Province, shows the importance of effective interventions to support the recovery process. One promising approach is positive affirmation training, which is designed to help individuals develop a more optimistic mindset and build self-confidence. Low self-confidence is often an obstacle for people with psychosocial disabilities to actively participate in society, so an approach that can overcome these obstacles is needed. The purpose of this community service is to teach positive affirmation techniques to members of the ODDP Sehati organization to be implemented in everyday life to support the self-confidence of psychosocial disabilities. The method used is a direct training method for members of the ODDP Sehati Sukoharjo organization. The results obtained after this training showed that intervention through positive affirmation training helped participants to be more self-accepting, reduce self-stigma, and strengthen positive views of personal abilities. This supports the importance of positive affirmation training as part of a psychosocial rehabilitation approach, because it can help individuals with psychosocial disabilities to be more confident and able to function optimally in everyday life.

UMKM is an economic platform for the community which is a basic component in the development of economic pillars starting from the lowest level, small and medium enterprises (UKM/UMKM) are types of companies in Indonesia which are owned by individuals or business entities in accordance with the criteria set by Law No. 20 of 2008. UMKM is able to defined as business run by individuals, households, or small-sized business entities. The classification of UMKM is based on limits on annual revenue turnover, total assets, and number of employees. The development and quality improvement needs to get serious support for its further growth, this is not only in terms of capital and ease of doing business, but also needs to be done in terms of management up to the ability of the perpetrators, one of that the UMKM perpetrators must learn about management, especially in financial management, starting with simple things such as preparing a cash book. Most UMKM are run by individuals who do not have special skills. UMKM run as they are and do not have a good financial planning system and financial management system, this is one of the weaknesses of UMKM, so they cannot make plans for future business development. The cash book preparation training aims to increase the financial management capacity of Micro, Small and Medium Enterprises (UMKM). The training method is designed to provide a basic understanding of accounting principles, financial statement preparation techniques, and practical applications that are relevant to the needs of UMKM. This training program is expected to improve the quality and financial performance of UMKM, so that they can be more competitive and sustainable in the market.

This study discusses the role of social media in enhancing brand awareness among Generation Z (Gen Z), a group known for their digital savvy and high reliance on technology. Gen Z, born between 1997 and 2012, are highly connected consumers on social media platforms such as Instagram, TikTok , and YouTube . Social media has become a major channel for building and increasing brand awareness due to its ability to reach a wide audience , interact directly, and provide a personalized experience. Through a literature review, this article identifies factors that influence the effectiveness of social media in increasing brand awareness. awareness , including choosing the right platform, relevant and engaging content, and user engagement. In addition, the study also discusses the challenges that brands face in building awareness among Gen Z, such as information overload and the tendency of audiences to be more critical of advertising. The results of this review can provide insights for marketers in designing more effective social media strategies for the younger generation and help brands stay relevant in an increasingly competitive market.

The research aims to measure the effectiveness of a training program according to the dimensions of professional motivation for accountants and its impact on improving job satisfaction by verifying the validity of the following null hypothesis: "There is no statistically significant difference at a significance level of (0.05) between the average scores of the experimental group who will undergo training in the program prepared according to the dimensions of professional motivation, and the average scores of the control group who will not undergo training in the training program in job satisfaction." To achieve the objectives of the research, the researchers used the experimental design with two equivalent groups (experimental and control), as (42) accountants were selected randomly (by lottery) as a sample for the research from the accountants affiliated with the General Directorate of Education in Qadisiyah for the academic year (2024 - 2025), with (21) accountants for the experimental group and (21) accountants for the control group. The training program was built according to three stages (planning, design, evaluation), and then the accountants of the experimental group were trained for (11) days with two sessions per day using the training program according to the dimensions of professional motivation. The researcher also prepared a scale for technical enlightenment of the multiple-choice type (40 paragraphs), and their validity and stability were verified, as the stability coefficient for the scale test reached (0.91) and the stability coefficient for the observation card reached (0.87), for the scale test (0.89) and they were applied after the end of the experiment. The researcher used the statistical program SPSS. The accountants of the experimental group outperformed the accountants of the control group in the job satisfaction scale test, and in light of the research results, the researcher recommended the possibility of adopting the training program prepared according to the dimensions of professional motivation.

This study examines and compares the Capital Asset Pricing Model (CAPM) with the Sharia Compliance Asset Pricing Model (SCAPM) in constructing an optimal stock portfolio based on the sharia stock index on the Indonesia Stock Exchange, specifically the Jakarta Islamic Index (JII), during the 2019–2023 period. The primary aim is to evaluate whether the SCAPM, which incorporates mudharabah profit-sharing returns in place of the risk-free rate, offers more relevant insights for Muslim investors compared to the CAPM. Utilizing a quantitative approach and a two-step regression method, the research develops an optimal portfolio by calculating stock betas and analyzing the relationship between systematic risk and expected returns. The findings reveal that neither the CAPM nor the SCAPM models are valid for predicting risk and expected returns for the JII's optimal stock portfolio. This study is intended to guide sharia-compliant investors in making informed decisions and assist investment managers in designing strategies aligned with Islamic financial principles.

The Rotating Nadzam Paste Program is a learning innovation at the At-Taroqqi Karongan Sampang Islamic Boarding School which aims to make it easier for students to memorize the Maqsud, Imriti, and Alfiyah nadzams. In this program, the nadzams to be memorized are attached to various strategic places around the boarding school in rotation, so that students can easily access and repeat their memorization at any time. This method is designed to create a more interactive and contextual learning atmosphere, with the hope of improving students' memory and understanding of the nadzams being studied. This study aims to analyze the effectiveness of the rotating nadzam paste program in helping students memorize quickly and accurately, as well as to identify the obstacles and supporting factors that influence the success of this program. It is hoped that this program can provide solutions to the challenges of memorizing nadzams in Islamic boarding schools

This study aims to analyze consumer behavior in choosing substitute and complementary goods. The research was conducted on consumers in traditional markets, namely Petisah Market and Simpang Limun Market, as well as modern markets, namely Sun Plaza and Plaza Medan Fair in Medan City. The research sample consisted of 200 respondents selected using a purposive sampling method. The primary research instrument was a structured questionnaire designed with a five-point Likert scale to measure respondents' perceptions of factors influencing their choices, such as the price of goods. The data were analyzed using both quantitative and qualitative approaches. Quantitative analysis involved descriptive statistics to describe the characteristics of respondents and data distribution. The analysis results indicate that consumers tend to choose substitute goods when the price of primary goods increases. Furthermore, price significantly influences purchasing decisions for both substitute and complementary goods. Consumers are more sensitive to price changes in substitute goods due to their tendency to seek cheaper alternatives. In contrast, for complementary goods, an increase in the price of primary goods tends to reduce the demand for complementary goods, as they are often used together. The implications of this study suggest that appropriate pricing strategies can optimize the demand for substitute goods, while careful consideration is needed when setting prices for complementary goods.

This study investigates the feasibility of applying zero-based budgeting in themunicipalities of Anbar Governorate in Iraq, verifies the existence of a writtenstrategy for its adoption, analyzes available resources and capabilities, andproposes a practical model for its implementation.This study uses a descriptive and analytical approach through data collection andanalysis. A survey research tool "questionnaire" was used, designed to achieve thestudy objectives, and distributed to 280 municipal employees, including managers,accountants, and local council members, to assess their perceptions of applyingzero-based budgeting. In addition, interviews were conducted with senior officialsto obtain their vision towards implementing zero-based budgeting in theirdepartments and whether it is in their minds and strategies. The results of our studyindicate major gaps in current practices, including the absence of a clear strategyfor adopting zero-based budgeting, insufficient financial resources, lack of skilledemployees, insufficient technological infrastructure, weak administrative support,and the absence of legislative frameworks supporting the implementation of thistype of budgeting. The study also identified critical areas for improvement,including developing a clear strategy, enhancing staff capacity through training,enhancing administrative support, upgrading technological resources, andreviewing legal frameworks to support the foundations of zero-based budgeting.The findings underscore the need for a comprehensive and well-supportedtransition plan to successfully implement zero-based budgeting in Anbarmunicipalities. By addressing these challenges, municipalities can improve resource allocation, prioritize projects more effectively, and ultimately enhancefinancial management practices. The paper concludes with a proposed model thatrepresents the basic steps that should be adopted initially when embarking on thezero-based budgeting process, to ensure the successful implementation of zero-based budgeting.

Universitas Bangka Belitung (UBB) is committed to improving the quality of facilities and infrastructure to support various academic and non-academic activities. This article discusses the feasibility of constructing a Multipurpose Building (GSG) designed to be a multifunctional activity center. This study uses a financial analysis method with parameters of Net Present Value (NPV), Internal Rate of Return (IRR), Benefit Cost Ratio (BCR), and Payback Period (PP). The results of the analysis show that this project is feasible to be implemented with an NPV value of Rp1,059,940,033 (10% interest rate) and an IRR of 13.66%. The construction of this building is expected to have a positive impact on the academic community and the surrounding community.

Islamic boarding school education plays a strategic role in producing a generation that excels not only in religious matters but also in economic independence through entrepreneurship. In the modern era, the creativity of students is an important indicator of the success of Islamic boarding school education because it can provide provisions in facing global challenges. Creativity is influenced by various factors, including entrepreneurship programs developed within the Islamic boarding school environment and the internalization of Islamic educational values ​​that shape innovative and ethical mindsets. Darul Hikmah Islamic Boarding School in Bangkalan is one institution that integrates these two aspects into its educational system. This study aims to: (1) evaluate the influence of entrepreneurship programs on students' creativity; (2) examine the influence of Islamic educational values ​​on creativity; and (3) assess the simultaneous influence of both on students' creativity. The study used a quantitative approach with an ex post facto design. A sample of 59 female students was selected using simple random sampling from a population of 590 students. Data were collected through questionnaires and documentation, then analyzed using simple and multiple linear regression tests with the help of SPSS. The results of the study showed that: (1) the entrepreneurship program had a significant effect on the creativity of students with a t value of 6.220 (p < 0.05); (2) Islamic educational values ​​also had a significant effect on creativity with a t value of 3.393 (p < 0.05); and (3) simultaneously, the entrepreneurship program and Islamic educational values ​​had a significant effect on the creativity of students with a F value of 26.117 (p < 0.05). The conclusion of this study is that the creativity of students can be increased through a balanced combination of entrepreneurship learning and internalization of Islamic educational values.