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This study aims to develop erfina game as ecosystem learning media and to know and describe the results of expert validation, teacher responses, student responses and student learning outcomes of the developed media. This research uses the research and development method (Research & Development). The model used in this research is ADDIE consisting of 3 stages, namely Analysis, Design, and Development. The trial was conducted on 10 students of Class VII of SMP Negeri 02 Satu Atap Suwawa Selatan. The results of the study found: (1) validity test based on the percentage of media validation of 85% (Very Valid) and material expert validation obtained a percentage of 87% (Very Valid). (2) Practicality test based on teacher response results obtained a percentage of 91% (Very Practical) and the results of students' responses of 93% (Very Practical). (3) Student learning outcomes test obtained from the results of student learning tests through Preetest and Posttest evaluations, based on the N-Gain scale obtained a value of 0.53 or 53% which is included in the moderate category

Economic digitalization has become a key driver of growth in various regions, including Medan City. The development of e-commerce and local startups plays a vital role in this economic transformation by enhancing market access, accelerating product distribution, and creating new job opportunities. E-commerce allows business owners to reach a broader consumer base, while local startups foster innovations tailored to the needs of Medan's society. This paper aims to analyze the role of e-commerce and local startups in enhancing economic growth in Medan City, as well as the challenges and opportunities within this digital ecosystem. The findings suggest that these two sectors complement each other in creating an inclusive and sustainable economic ecosystem.

This study aims to analyze how business model innovation and organizational structure play a role in increasing creativity in Small and Medium Enterprises (SMEs) through the Open Innovation approach. The research method used is qualitative with a case study approach on several SMEs that apply the principle of open innovation. The results show that the flexibility of organizational structure and the adoption of innovative business models are key to creating a sustainable innovative ecosystem. This study also underlines the importance of external collaboration, business model adaptability, and leadership that supports creativity. These findings provide practical implications for the development of SME policies and strategies in the digital economy era.

The notary profession in Indonesia is experiencing a critical transformation driven by technological advancements, changing legal landscapes, and the imperative of modernization. This research comprehensively examines the current regulatory framework governing notaries, analyzing the multifaceted challenges and potential opportunities for substantive reform in the contemporary legal ecosystem.The study employs a mixed-method approach, integrating qualitative legal analysis, comparative research, and empirical investigation to provide a holistic understanding of the notary profession's evolving role. Through in-depth examination of existing regulations, stakeholder interviews, and comparative international perspectives, the research identifies key systemic barriers and innovative pathways for professional development.Critical findings reveal significant challenges, including technological adaptation gaps, regulatory inflexibility, and inconsistent professional standards. The research highlights the urgent need for a dynamic regulatory approach that balances traditional legal principles with emerging digital authentication technologies. Key opportunities emerge in areas such as blockchain-based document verification, comprehensive digital skills training, and adaptive professional development frameworks.The study proposes a comprehensive reformation strategy encompassing technological infrastructure development, professional skills enhancement, and regulatory modernization. Recommendations include establishing dedicated innovation units, implementing mandatory technology training programs, and creating flexible regulatory mechanisms that can rapidly respond to technological and professional landscape changes. By providing a nuanced analysis of the notary profession's current state and future potential, this research contributes critical insights to the discourse on legal professional modernization in Indonesia. The findings underscore the essential role of strategic, forward-looking reforms in ensuring the continued relevance, effectiveness, and integrity of notarial services in the digital era.

Talent management in the digital era is a complex phenomenon that requires a comprehensive approach in dealing with contemporary organizational transformation. This study aims to explore the dynamics of talent management through a systematic literature review of ten reputable scientific journals covering various organizational and industrial contexts. The research method uses the Systematic Literature Review (SLR) approach with content analysis and narrative synthesis techniques. The findings of the study reveal that talent management is no longer just an administrative function but a strategic strategy that determines the sustainability and competitiveness of organizations in the digital era. The results of the study identify four main dimensions in talent management in the digital era, namely: transformation of management approaches, technology adaptation, development of individual competencies, and the formation of a responsive organizational ecosystem. This research makes a theoretical contribution to produce a comprehensive conceptual framework of cutting-edge talent management practices. The practical implications show the need for a multidimensional approach that pays attention to the technological, psychological, and organizational aspects of managing human resources. This research offers a holistic perspective in understanding the complexity of talent management in the sustainable digital era.

In the modern era marked by technological advances, the use of smartphones has become an important part of everyday life. This technological advancement encourages people to continue to update the way they carry out their daily activities. Smartphones make various activities easier, including long-distance communication which now feels closer thanks to sophisticated technology. This sophistication is enjoyed by various groups regardless of age or profession. The digital payment system has experienced rapid development, providing significant convenience for its users. This technology plays a strategic role in encouraging the revitalization of MSMEs by offering fast, safe, and efficient transaction solutions. In the context of developing MSME digitalization, the digital payment system not only makes it easier for business actors to manage transactions but also increases consumer convenience in shopping. With proper implementation, digital payments support the operational efficiency of MSMEs, expand market access, and accelerate the adoption of the digital ecosystem. Based on research results, the use of digital payment systems has been proven to contribute positively to the transformation of MSMEs, helping them become more competitive and able to adapt amidst changes in the increasingly digital economic landscape. This emphasizes the importance of adopting digital payment technology as an integral part of the MSME revitalization strategy. This study aims to analyze the positive impact of the use of technology, especially in online marketing, digital payment systems on the revitalization of MSMEs.

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 aim of this research is to find out how the sharia capital market affects the sharia economy. This research was conducted through a qualitative literature study, where the author collected data from various journal articles, books and other sources. The results of this research found that Islamic capital markets promote Islamic economics by incorporating ethical ideals into economic operations, resulting in a more inclusive and stable ecosystem. Profit and loss sharing used in several sharia capital market instruments including mudharabah and musyarakah encourages better risk management.

Baro Gebang Beach has great potential to develop as a sustainable tourism destination. The main challenge in resource management is combining economic growth with environmental conservation. Fintech is present as an innovative solution to support tourism development in this area, by providing access to capital, community-based funding, and increasing operational efficiency. Through P2P lending, local craftsmen in Baro Gebang Beach can expand their businesses, create new jobs, and increase income. This literature review emphasizes the importance of digital literacy and cross-sector collaboration in creating an inclusive and sustainable tourism ecosystem.

This paper discusses the principle of bank secrecy as an important instrument in legal protection for customers, as well as its relevance in maintaining public trust in the banking sector in Indonesia. Based on the legal framework stipulated in Law Number 10 of 1998 concerning Banking and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK), this study highlights the obligation of banks to protect customer data, including exceptional situations regulated by law. Normative legal research is used to analyze legal principles, laws and regulations, and related literature. The principle of bank secrecy is considered a pillar of customer trust and the main capital in the financial ecosystem. However, challenges arise when this principle conflicts with the interests of law enforcement, such as criminal investigations. The regulations strengthened by the PPSK Law provide a foundation for customer data protection while also regulating administrative and criminal sanctions for violations. On the other hand, the application of this principle also contributes to financial stability by increasing literacy and compliance with regulations. This paper recommends harmonization between the protection of customer privacy rights and the effectiveness of law enforcement to maintain the sustainability of trust in the banking sector.

Indonesia is a country known for its richness in natural, diverse and beautiful marine resources. Coral Reefs are one of the ecosystems that must be protected and preserved as best as possible, so that they can become a place to live for marine animals such as fish and others. Australia's also a country known for its diverse and beautiful marine ecosystem. However, both countries are experiencing problems, namely that coral reefs are not maintained, so Humans overexploit coral reefs and cause fatal damage to coral reefs and other marine animals. ICRI, as one of the organizations that can maintain and preserve the sustainability of coral reefs, can be a bright spot for both of the countries to work together to maintain and protect marine ecosystems very well.

The development of Micro, Small and Medium Enterprises (MSMEs) has a strategic role in improving community welfare, especially in rural areas. This research aims to analyze the strengths, weaknesses, opportunities and threats (SWOT) faced by coconut processing MSMEs in Gesikharjo Village, Palang District. Data was collected through in-depth interviews with MSME actors, field observations, and document analysis. The research results show that the main strengths of these MSMEs are the availability of local raw materials and community support. However, weaknesses such as technological and management limitations are still challenges. Opportunities such as increasing demand for processed coconut products in local and national markets provide bright prospects, although threats such as price competition and global market fluctuations still need to be watched out for. Research recommendations include strengthening the managerial capacity of MSME players, product innovation, and collaboration with the government and private sector to create a sustainable business ecosystem.

This study examines how women entrepreneurs in Micro, Small, and Medium Enterprises (MSMEs) in the creative economy sector leverage digital technology to strengthen their roles in the urban tourism ecosystem. Using a qualitative approach supported by secondary data and non-intervention observations over six months in South Jakarta, the study analyzes the dynamics of digital adoption, the cultural value of creative products, and structural barriers affecting women's entrepreneurial experiences. The findings reveal that digital utilization is most prominent on easily accessible platforms such as Instagram, TikTok, and WhatsApp, while the use of more complex tools, such as marketplaces, websites, and analytics, remains limited. Women’s creative products, in subsectors like culinary, crafts, fashion, and others, prove to enrich the tourism experience and reinforce the city's destination identity. However, low digital literacy, minimal mentoring, and weak integration into the formal tourism supply chain hinder the optimization of these potentials. Additionally, the digital adoption patterns found support the Technology Acceptance Model's explanation that the perceived ease of use is a key factor in early technology adoption. This study fills an important gap in the literature by linking gender issues, digital transformation, the creative economy, and urban tourism within a unified framework. The research emphasizes the importance of strengthening digital capabilities and structured collaboration between women-led MSMEs and tourism stakeholders to enhance the sustainable competitiveness of destinations.

Blue carbon ecosystems play a strategic role in mitigating climate change through their ability to absorb and store carbon significantly. However, uncontrolled exploitation of marine resources, such as overfishing, destructive fishing methods, and fishing gear waste, have threatened the sustainability of blue carbon ecosystem. Penangkapan Ikan Terukur (PIT) policies implemented by the Indonesian government aims to realize sustainable fisheries by regulating fishing quotas based on zoning. This reserach aims to identify the urgency of integrating blue carbon ecosystems into PIT policies in Indonesia to maintain the sustainability of marine resources and support climate change mitigation. Using qualitative descriptive methods based on literature studies, this research found that integrating blue carbon ecosystems into PIT policies can provide significant ecological benefits. Strict monitoring, restoration of blue carbon ecosystem habitats, and implementation of scientific data-based policies are needed to ensure the success of this policy. This integration is expected to be able to maintain marine ecosystems, support sustainable fisheries, and contribute to global climate change mitigation targets.

Investment in marine protection and Fisheries Management Areas (FMAs) is crucial for maintaining the sustainability of the global marine ecosystem. This paper aims to evaluate investment in marine protection and FMAs using Bunaken National Park as a case study. The Cost-Benefit and SWOT analysis approaches are employed to assess the efficiency, effectiveness, and challenges faced in marine protection and fisheries management efforts in this area. Through this review, various costs and benefits of the investment are evaluated, while strengths, weaknesses, opportunities, and threats associated with the implementation of the investment are also identified. The results of this analysis provide insights into the economic feasibility, potential success, and strategies that can be implemented to enhance the sustainability of the marine ecosystem and the welfare of local communities in Bunaken National Park.    

Turtles are integral components of two ecosystems, both coastal and marine. They play a crucial role in maintaining a healthy marine ecosystem. A nutritious sea fosters millions of fish, serving as a significant protein source for humans. However, this is increasingly at odds with the presence of turtles, which are gradually becoming endangered. This issue stems from various factors, including large-scale commercial fishing activities near turtle nesting sites and worsening climatic changes. These factors have the potential to disrupt the balance of marine ecosystems. The approach adopted in this design is an ecological architecture approach. It aims to restore turtle habitats in coastal conservation areas to attract nesting turtles and sustainably develop tourist facilities that harmonize with the surrounding environment.

The development of information and communication technology in Indonesia has grown significantly over the past few years. Thus, there are many opportunities to digitize the business process of a business or business ecosystem. One of them is in the field of digital economy by adapting business processes into a digital platform, such as designing an e-commerce platform in a village that has commodities in it so that related commodities can increase the visibility of their products. This research uses Belega Village as a case study location considering that this village has a commodity in the form of bamboo crafts. Research was conducted to build a web-based bamboo handicraft e-commerce application that would be expected to increase product visibility. The application itself is built using the Agile Development method using the sprint model. This application is built with a microservice architecture with Express.js technology as a backend service and Next.js to create client applications and PostgreSQL as a DBMS. The result of this research is a web-based e-commerce application that is expected to increase the visibility of products from bamboo crafts from Belega Village.

This study explores the fatwa of Sheikh Muhammad Arsyad Al Banjari in the book Sabilal Muhtadin regarding the permissibility of eating haliling (field snails) and the prohibition of eating anak wanyi (bee larvae) with a focus on the health perspective. Sheikh Muhammad Arsyad Al Banjari stated that snails are halal food, while bee larvae are considered haram. This study uses a literature study method to analyze the legal basis and health implications of both types of food. The results of the study indicate that snails can be safely consumed if processed properly, because snails are rich in protein and nutrients, but require special attention in processing to avoid the risk of infection from parasites or bacteria. Conversely, consuming bee larvae can pose health risks such as allergic reactions and dangerous toxins, and can have a negative impact on the bee population and ecosystem. The conclusion of this study emphasizes the importance of understanding fatwas from a health and ethical perspective, as well as the need for education regarding food processing practices that are in accordance with sharia principles and modern health standards.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

This article explores the role of digital transformation in enhancing financial inclusion through Islamic banking, focusing on community digital education and literacy. The primary objective of this research is to empower communities with the necessary knowledge and skills to safely and effectively utilize digital Islamic banking services. This community service program was implemented through training, mentoring, and evaluation designed to increase understanding of Islamic fintech. The findings demonstrate a significant improvement in the comprehension and use of digital Islamic banking services, particularly in previously underserved areas. The study also highlights the importance of collaboration with local Islamic financial institutions to ensure that digital transformation can be inclusively implemented. This article is part of a broader effort to support the National Digital Economy Framework, emphasizing the importance of Islamic banking strategies in strengthening Indonesia's financial system and creating an inclusive and sustainable fintech ecosystem.