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This article explores a critical perspective on epistemology that has long been influenced by Western-centric biases, aiming to uncover its inherent discriminatory aspects. Employing a literature-based approach, the discussion centers on two primary concerns. First, the exclusionary nature of Western epistemology is inseparable from the ideals of modernity, which emphasize progress and innovation. These characteristics often marginalize alternative knowledge systems rooted in traditional or indigenous communities. Second, the discourse of development operates as a mechanism to perpetuate Western epistemological dominance, serving as a justification to reassert control over nations in the Global South or former colonies. The article concludes by emphasizing the importance of fostering a critical mindset among scholars, encouraging openness to diverse epistemological frameworks that reflect local contexts, without entirely dismissing the scientific traditions of the West.

This study aims to deconstruct the technocratic rationality underpinning social investment policies implemented in Bima Regency by critically illuminating the ideological co-optation of neoliberalism, which manifests through the language of modernity, productivity, and pseudo-empowerment. Within a structurally asymmetrical and historically marginalized context, the global paradigm of social investment has been adopted in an ahistorical and depoliticized manner, resulting in policy architectures that are both irrelevant and exclusionary. Employing a critical-qualitative approach with a deconstructive design rooted in post-structuralist epistemology, this research conceptualizes public policy as an ideological text that demands reinterpretation and recontextualization. Data were obtained through rigorous analysis of institutional and academic literature and interpreted using the framework of Critical Discourse Analysis (CDA). The findings reveal that social investment policies in Bima function not as instruments of structural transformation but rather as symbolic mechanisms of ideological co-optation, which conceal systemic inequality under the guise of bureaucratic performance metrics. The local state apparatus has lost its articulative capacity, subordinated to a global epistemology that is profoundly indifferent to local particularities. Terminologies such as “empowerment” and “human capacity” are reduced to administrative slogans devoid of redistributive justice. Consequently, the social investment paradigm has shifted the state's role from an agent of justice to a managerial entity of poverty normalizing exclusion and reinforcing the subordination of the subaltern populace.

This study focuses on the effectiveness of supervision and regulation conducted by Bank Indonesia (BI), the Financial Services Authority (OJK), and the Deposit Insurance Corporation (LPS) in maintaining financial system stability in Indonesia. (LPS) in maintaining financial system stability in Indonesia. Through a qualitative qualitative approach with a literature review method, this research explores the role of each institution and identifies potential overlaps in each institution and identifies potential overlapping regulations that could affect national financial stability. can affect national financial stability. The results show that BI, through consolidated supervision and macroprudential policies, plays a significant role in maintaining monetary and financial stability. OJK, with its overarching mandate over the financial services sector, has implemented various regulations to ensure the integrity and stability of the financial system. to ensure the integrity and stability of the financial system. LPS contributes by guaranteeing customer deposits and handling failed banks, as well as coordinating with BI and OJK to maintain banking stability. with BI and OJK to maintain banking stability. To improve effectiveness, it is recommended to strengthen inter-agency coordination, regulatory harmonization, supervisory capacity, macroprudential policy, education and transparency, and international collaboration to maintain financial system stability, support sustainable economic growth, and improve public welfare.

  Penelitian ini bertujuan untuk mengetahui kritik sosial yang terdapat dalam cerpen Wabah karya Gusmus. Penelitian ini menggunakan metode penelitian deskriftif kualitatif. Pengumpulan data yang dilakukan adalah mengumpulkan jurnal terdahulu serta sumber rujukan lainnya seperti media youtube. Analisis data dilakukan dengan cara analisis isi dokumen. Hasil dari penelitian ini ditemukan terdapat lima bentuk kritik sosial. Bentuk sosial yang ditemukan berupa yang cerminan kondisi dari permasalahan masyarakat pada saat karya itu ditulis dengan rentang waktu dari tahun 2003-2022.

. Industri Financial Technologi (Fintech) merupakan salah satu metode layanan jasa keuangan yang mulai populer di era digital sekarang ini. Dan pembayaran digital menjadi salah satu sektor dalam industri Fintech yang paling berkembang di Indonesia. Khususnya Perbankan, Tujuan penelitian ini ialah untuk mengetahui bagaimana penerapan Fintech oleh PT Bank Rakyat Indonesia (Persero) Tbk KCP Slamet Riyadi Makassar. Jenis penelitian yang digunakan ialah penelitian kualitatif. Metode pengumpulan data menggunakan studi kepustakaan dan studi lapangan. Analisa data yang digunakan oleh penulis adalah penelitian deskriptif kualitatif. Hasil penelitian menunjukan jika Fintech adalah sebuah sebutan yang disingkat dari kata ‘financial’ dan ‘technology’ di mana artinya adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech memiliki peranan yang sangat penting bagi pertumbuhan ekonomi di Indonesia, di antaranya adalah Meningkatkan inklusi keuangan nasional; Meningkatkan pemerataan tingkat kesejahteraan penduduk; Fintech dapat meminimalisir peredaran uang tunai sehingga dapat meminimalisir pula terjadinya inflasi, Pengguna layanan Fintech dapat mengetahui secara langsung data transaksinya sendiri tanpa melalui pihak ketiga; Pengguna layanan Fintech dapat memberikan saran dan kritikan secara langsung terhadap platform yang menyediakan layanan tersebut dan Layanan Fintech memberikan berbagai pilihan layanan yang memudahkan kebutuhan penggunanya   Kata kunci: penerapan, fintech, bank rakyat indonesia