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This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

The Srikandi application is an electronic-based management information system designed to support digital transformation in administration and archiving to enhance efficiency, transparency, and accountability in public services, particularly within the Secretariat General of the Indonesian House of Representatives (Setjen DPR RI). This study aims to analyze the implementation of the Srikandi application, evaluate its impact on work efficiency and service quality, and identify the main challenges in its adoption. This research employs a qualitative approach with a descriptive method. The findings indicate that the Srikandi application has successfully improved administrative efficiency through features such as electronic signatures and real-time document tracking, as well as supporting the restructuring of organizational work processes. However, several key challenges remain, including slow system performance, low user competence, resistance to new technology, limited accessibility for the public, and data security risks. The implications of this study highlight the importance of enhancing user competence through training, optimizing technological infrastructure, and strengthening data security policies. This study is expected to serve as a reference for other government institutions in adopting digital technologies to support more responsive and accountable public services.

Dismissal of teachers is an issue in the education system that is related to performance, ethics and organizational needs. This process can occur for certain reasons, such as violations of the code of ethics, inability to meet performance standards, or restructuring of educational institutions. This research aims to analyze the factors that cause teacher dismissal, their impact on educational institutions, and their implications for teachers and students. Apart from that, the legal and ethical aspects that must be fulfilled in the dismissal process are also discussed. With a qualitative approach, this research highlights the importance of fair, transparent and regulatory mechanisms in dealing with teacher dismissals, so as to maintain a balance between institutional needs and the rights of teaching staff. It is hoped that these findings will become a reference for policy makers in creating a professional and sustainable educational environment.  

This study examines the debt restructuring process of PT Adhi Persada Properti through a Penundaan Kewajiban Pembayaran Utang (PKPU) proceeding. By employing a normative legal research method with a descriptive approach, this study analyzes the legal framework governing PKPU and its application in the case of PT Adhi Persada Properti. The findings reveal that the company's delay in submitting a peace plan and the lack of a clear restructuring strategy have raised concerns about the fairness of the process for creditors. The study highlights the importance of timely compliance with legal requirements in PKPU proceedings and the need for a balanced approach that protects the interests of both debtors and creditors.

Restructuring is a step in overcoming financing problems that arise because debtors experience difficulties in fulfilling their obligations, which is known as default. The government, through the Financial Services Authority, asks banking institutions to identify debtors and provide financing restructuring policies with the aim of providing relief to the public, especially debtors, in financing payments. This research aims to find out how restructuring is implemented as an effort to manage problematic financing at KB Bank Syariah KC Surabaya. The research method used is a descriptive qualitative approach in the nature of library research, namely by using books and literature related to this research. The results of this research are that implementing restructuring of problematic financing in banks will benefit in the form of reducing Non-Performing Finance (NPF), which will ultimately have a positive impact on the overall health of the bank. Apart from that, from an economic perspective, the Bank will receive installment payments from debtors in accordance with the restructuring agreement that has been agreed between the bank and the debtor. The success of implementing financing restructuring depends on the intention and willingness of both parties, namely the debtor and financing, to work together in resolving financing problems that arise.  

This study aims to analyze the factors that influence earnings management in banking companies listed on the Indonesia Stock Exchange. The Covid-19 pandemic has had a significant impact on the financial sector in Indonesia, causing a decrease in profitability, an increase in non-performing loans, and credit restructuring policies that affect company operations. In the face of these challenges, companies try to maintain a good image and investor satisfaction through earnings management. This study focuses on four factors that influence earnings management: profitability is measured by Return on Assets (ROA), dividend policy by Dividend Payout Ratio (DPR), tax planning by tax retention rate, and deferred tax expense by comparison of deferred tax expense to total assets. The inconsistency of previous research results regarding the relationship between these variables encourages further research. The sampling method uses purposive sampling on financial companies listed on the IDX. The analysis in this study used multiple linear regression analysis. The samples used in this study included 15 financial companies and were analyzed using the classical assumption test, multiple linear regression using SPSS software version 25. The results of this study (1) Profitability and dividend policy partially do not affect total assets. (2) Tax planning and deferred tax expense partially have a significant effect on earnings management. (3) Profitability, dividend policy, tax planning and deferred tax expense simultaneously have a significant effect on earnings management.

The capital market is one of them part important in representation condition country's economy. In the capital market there are several instruments are traded, one of which is is mutual funds. Mutual funds become enough choice​ interesting for society, however there is case fail pay that mutual fund investors experience​ loss. Case fail pay product mutual funds viz fail pay consequential RDT assets debt securities issued by PT. Tridomain Performance Materials Tbk Study This use method approach juridical normative that is study law literature carried out with method research material References or secondary data as base For researched with method stage search to regulation legislation and related literature​ with the problems studied. And using secondary data as base For researched. Protection law can done with use protection law preventive and repressive in case investment mutual funds as form protection to investors from government. Losses experienced by investors as a result fail pay PT. TDPM to MMI, shows that TDPM has not quite enough answer as you can form pay whole obligations and compensation make a loss as well as accept all possible sanctions​ form administrative, civil, up to criminal. Protection law preventive can seen with exists regulation established legislation​ such as the Capital Markets Law, P2SK Law, POJK 48/2015, POJK 31/2015, and others. Protection law repressive form enforcement penalty from administrative even until bankruptcy. Not quite enough answer must carried out by TDPM viz pay obligation along with flower in accordance agreement debt restructuring up to imposition penalty. And necessary see form MMI's responsibility as Manager Invest in cases This.    

Directly or indirectly the covid-19 pandemic in Indonesia has an impact on the banking sector, especially in lending to the public and decreasing debtor credit  ollectability. The purpose of this study is to analyze the impact of the covid-19 pandemic on credit growth at PT. Bank Negara Indonesia Tbk using Pool Data in the monthly period starting from January 2018 to December 2022 with the Ordinary Least Squere (OLS) method through the approach of collectability failure, credit period, credit interest rate, inflation, business location, covid pandemic period, credit restructuring period, and GRDP in 9 business sectors. This study proves that credit growth at PT Bank Negara Indonesia is negatively and significantly influenced by  ollectability failure, credit period, credit.

This systematic review investigates the significant role of ChatGPT in higher education, with a specific focus on its influence on academic writing. Utilizing insights from 17 peer-reviewed articles published between 2022 and 2024, it evaluates ChatGPT's features, advantages, and challenges in assisting both students and educators. ChatGPT enhances efficiency by automating repetitive tasks such as grammar correction, sentence restructuring, and formatting, allowing students to focus on critical thinking and content refinement. Its ability to enhance language, correct grammar, and maintain structural coherence proves especially valuable for non-native English speakers, fostering greater accessibility and fairness in academic writing. Moreover, ChatGPT fosters creativity through brainstorming support, simplifies technical explanations for diverse academic audiences, and enhances iterative learning by providing real-time feedback on coherence, language, and argumentation. The study underscores the risks of bias in AI-generated content and the possibility of worsening educational disparities due to unequal access to advanced AI technologies. Establishing clear institutional policies and ethical guidelines is essential to address these concerns and ensure responsible AI use. The review concludes that ChatGPT is a powerful tool for improving academic writing and learning in higher education. However, its success relies on a balanced integration of AI's capabilities with sound pedagogical practices to uphold academic integrity and encourage independent critical thinking.

Youth face complex psychosocial challenges amid rapid social, economic, and technological changes. One key strategy for addressing these challenges is strengthening resilience, particularly spiritual resilience. Spiritual resilience refers to an individual’s ability to endure and recover from life’s difficulties through the power of faith, life meaning, and spiritual values. This study aims to examine the concept of spiritual resilience in youth through a cognitive-behavioral psychology (CBT) approach using a literature review method. The analysis draws upon various scholarly sources that explore the relationship between CBT mechanisms and the development of spirituality. The findings indicate that integrating CBT with spiritual values, including within a Christian context, can enhance youth’s mental endurance, assist in restructuring negative cognitions, and support mental health and spiritual growth. This approach offers a holistic and contextual intervention framework to help youth more effectively cope with stress, anxiety, and identity crises.

The implementation of bureaucratic reform at the Secretariat General of the Ministry of Cooperatives and SMEs of the Republic of Indonesia is still seen as an additional task and has not become an integrated part of the strategy to increase efficiency and effectiveness in realizing agency performance, then the organizational and governance restructuring carried out still requires adjustments to tasks and functions in achieving output as expected, then another problem is the still limited professionalism of the apparatus, especially in terms of competence and commitment in implementing bureaucratic reforms. This study aims to identify and analyze the strategy for implementing bureaucratic reform in government institutions, the Office of the Ministry of Cooperatives and SMEs of the Republic of Indonesia, especially the Secretariat General based on Geoff Mulgan's theory, of purpose, environment, direction, action, learning. The method used is descriptive with a qualitative approach. Data collection techniques through interviews, observation, and documentation. The results of the study show that the objective indicators are optimal, namely the leaders of the bureaucratic reform team and employees are trying to increase the value of bureaucratic reform indicators with various activity programs. Environmental indicators are not optimal, due to the lack of human resources in abilities, knowledge, attitudes. The direction indicator is optimal, because employees get guidance and direction from the leader in terms of coordination, communication and motivation. The action indicators have not been optimal, because they are still faced by unresolved obstacles such as the transfer of positions between units and policy changes. In learning indicators that are not optimal, in the performance targets of each individual and organizational performance, the results are still lacking and there are still supervisors who do not reflect the feasibility and appropriateness so that they must be retested in order to realize good practice.

Infrastructure management is coordination between the physical work environment and employees and work in an organization to maintain the quality of an integrated work environment in operating, maintaining, improving and adapting through the organizational restructuring process so that employee contributions can be realized in achieving company goals. Strength in the form of commitment and individual strength is individual capital that is important for management. This shows that the organizational role of employee contributions as superior employees (store employees) creates intellectual capital through greater effort and hard work which is closely related to the creation of intellectual capital.

The unemployment situation in West Java remains a serious concern, particularly due to the impacts of the COVID-19 pandemic, technological changes, and industrial restructuring. During the transition period of the COVID-19 pandemic, the Open Unemployment Rate (TPT) in West Java Province decreased, indicating a potential relationship between unemployment rates and economic growth. This study aims to identify and analyze the effect of unemployment on economic growth in West Java using descriptive analysis and quantitative analysis with a multiple linear regression approach. Statistical analysis results show the regression equation Y = 6.170 – 0.088X1 – 0.771X2 + e. This means that if the variables unemployment (X1) and COVID (X2) are zero, economic growth (Y) remains constant at 6.170. Each 1% increase in unemployment reduces economic growth by 0.088%, while each 1% increase in COVID cases reduces economic growth by 0.771%. The F-test simultaneously, with a significance value of 0.000 < 0.05, indicates that the percentage of unemployment and the COVID dummy variable significantly affect economic growth in West Java. With an F value of 0.05, the alternative hypothesis (H1) is accepted, and the null hypothesis (H0) is rejected, indicating that unemployment and COVID variables significantly influence economic growth.      

This study aims to analyze the role of private equity in resolving failed banks following the 2008 financial crisis and its impact on financial stability. Using a qualitative literature review method, this research examines 30 related studies covering restructuring efficiency, capital stability, operational innovation, and market concentration risks. The findings indicate that private equity can expedite the resolution of failed banks through effective restructuring and improved operational efficiency. However, challenges such as moral hazard risks and market concentration require strict regulatory oversight. The contribution of private equity to financial stability is contextual, depending on market structures and local regulations. This research provides strategic insights for policymakers to optimize the benefits of private equity in the financial sector.

Murabaha bil wakalah financing at BMT AL-Ishlah, Jambi, experienced payment problems. The Islamic finance industry is growing rapidly, but problematic financing is a challenge. The research aims to identify the causes and strategies for solving murabahah bil wakalah financing problems. This research uses a qualitative approach, data collection is carried out by observation, interviews and documentation. Data analysis includes data reduction, data presentation, and conclusion verification. The research focuses on identifying internal and external factors that cause financing problems and exploring solutions to resolve them. The results of this research are internal factors including inaccurate credit analysis and inadequate application of the 5C principles. External factors include economic conditions, the COVID-19 pandemic, and customer behavior. Solving problems through non-litigation approaches such as friendship, financing restructuring and financial assistance. Research finds that proper handling can reduce the risk of problematic financing and support the sustainability of BMT in the Islamic finance industry.

Due to intense market competition and economic globalization, many small and medium-sized enterprises (SMEs) in Hong Kong face uncertain challenges, leading to a relatively high failure rate in the short term after opening. To cope with these challenges, SMEs must adopt survival strategies. This study examines SMEs' global challenges and how they can enhance their competitiveness. The review identifies five significant challenges: new market development, restructuring through operational integration, cost reduction, improved research and development, and transfer to other markets. The study also considers the survival strategies of SMEs and the external and internal factors that influence business sustainability. A theoretical examination of SMEs' survival strategies based on data collected in October 2023 from 317 SMEs is included in this study.

This research aims to formulate a social forestry management strategy for HKm Sulian Besar in Keban Jati Village, Air Nipis District, South Bengkulu Regency. This research was carried out from July to August 2024 in Keban Jati Village, Air Nipis District, South Bengkulu Regency, Bengkulu Province. The research location was carried out in the Sulian Besar Community Forest. This research uses a combination method (mixed) dominantly qualitative and less dominantly quantitative. To recommend strategies for community forest management (HKm) that have achieved economic, social and ecological and institutional benefits by identifying using SWOT analysis to analyze various factors systematically. The position of the community forest management strategy in HKm Sulian Besar, Keban Jati Village, Air Nipis District, South Bengkulu Regency is in quadrant III, namely the turn around strategy where the implementation of the social forestry program of the community forest scheme has great opportunities but there are internal weaknesses so you have to choose the right strategy so that weaknesses are not reduce the odds. Alternative strategies that can be implemented include restructuring group institutions, increasing institutional, technical and marketing capacity, improving cultivation patterns and conducting effective NTFP marketing.

The urgency of this research lies in the importance of digital transformation in enhancing the quality of public services in Bima Regency. This study employs a qualitative descriptive approach to explore digital transformation in public services in Bima Regency. The research subjects involve local government officials, SKPD employees, and the general public to obtain a broad perspective on the obstacles and solutions in digital transformation. The research findings indicate that the implementation of e-Government faces various significant challenges, including accessibility, digital literacy, cultural and organizational changes, official support, and budget allocation. Bima Regency requires an inclusive and affordable approach to develop e-Government services accessible to all layers of society, including those in remote areas and vulnerable groups. Digital literacy emerges as a crucial factor in confronting digital transformation, and structured digital literacy programs can assist the public and government employees in acquiring the necessary knowledge and skills. Cultural and organizational changes are also vital in adopting e-Government, necessitating organizational restructuring, capacity building, and continuous learning. Support from officials and public awareness are also crucial factors in the successful implementation of e-Government. With commitment from officials and public awareness of the benefits of e-Government, local governments can accelerate technology adoption and ensure widespread participation from all layers of society. Additionally, adequate budget allocation is crucial in supporting the development of e-Government, enabling the construction of robust technological infrastructure and enhancing service accessibility.

This study examines the meticulous and thorough execution of the Online Single Submission (OSS) in the Tanjung Pinang City Investment and One Stop Integrated Service Office.The main focus involved the complexity of the community’s lack of deep understanding of the business licensing stages, while also exploring the technical barriers that accompanied the integration of the OSS system. The research objectives included an in-depth evaluation of the programme’s operational success, an analysis of the level of stakeholder satisfaction involving business owners, as well as a detailed investigation into the level of efficiency of the OSS implementation. The research method, applied in a descriptive qualitative approach, involved in-depth interviews, rigorous documentation analysis, and a comprehensive literature review. The findings highlight positive progress, although obstacles remain, both in terms of public understanding and technical constraints in OSS operations. In conclusion, the research provides very specific recommendations, including a careful restructuring of the OSS system, a more focused socialisation strategy and breakthrough interventions to improve the effectiveness of the OSS in the future.

The capital market is an important part of representing the country's economic conditions. In the capital market there are several instruments that are traded, one of which is mutual funds. Mutual funds are quite an attractive option for the community, but there are cases of default that make mutual fund investors suffer losses. This research uses a normative juridical approach method, namely library legal research conducted by examining library materials or secondary data as a basis for research by conducting a search for laws and literature related to the problems studied. Legal protection can be done by using preventive and repressive legal protection in mutual fund investment cases as a form of protection to investors from the government. The losses suffered by investors due to the default of PT TDPM to MMI, indicate that TDPM has a responsibility that can be in the form of paying all obligations and compensation and accepting all sanctions that can be in the form of administrative, civil, to criminal. Preventive legal protection can be seen in the existence of laws and regulations such as the Capital Market Law, P2SK Law, POJK 48/2015, POJK 31/2015, and others. Repressive legal protection is in the form of enforcement of sanctions from administrative even to bankruptcy. Responsibility must be carried out by TDPM, namely paying obligations along with interest according to the debt restructuring agreement until the imposition of sanctions. And it is necessary to see the form of MMI's responsibility as the Investment Manager in this case.