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Student dropout in higher education remains a persistent socioeconomic challenge, yet many predictive models reported in the literature are methodologically compromised by randomized cross-validation schemes that introduce temporal data leakage and artificially inflate predictive performance. This study proposes a longitudinal prescriptive learning analytics framework integrating three complementary methodological components: a Leave-One-Cohort-Out (LOCO) temporal validation protocol, a hybrid SMOTE-ENN class balancing strategy, and temporal velocity feature engineering derived from Learning Management System (LMS) behavioral trajectories. The framework was evaluated on a longitudinal dataset comprising 464,739 enrollment records and 77 features. Five predictive algorithms—XGBoost, LightGBM, CatBoost, Random Forest, and Logistic Regression—were comparatively assessed on a strictly isolated blind holdout cohort (2022), with CatBoost emerging as the champion estimator, achieving a PR-AUC of 0.8859, a Macro F1-Score of 0.9143, and the lowest Brier Score (0.0221), thereby demonstrating superior calibration and discriminative capability under severe class imbalance (93:7 ratio). Comprehensive ablation analysis revealed that temporal velocity features function not merely as additive predictors, but as a structural prerequisite enabling Synthetic Minority Oversampling Technique with Edited Nearest Neighbors (SMOTE-ENN) to generate high-quality synthetic boundary instances; removing these features reduced minority-class precision from 0.8302 to 0.6721. To operationalize predictive outputs into actionable intervention pathways, Diverse Counterfactual Explanations (DiCE) were implemented under a three-tier causal constraint architecture on 96 borderline high-risk students, generating 384 feasible intervention scenarios exclusively targeting forward-looking behavioral velocity metrics without constraint violations. Collectively, these findings advance the paradigm of prescriptive learning analytics by providing educational institutions with interpretable risk diagnostics and operationally feasible intervention guidance grounded in empirically validated behavioral and temporal dynamics.

Clean water availability is an essential component of hospital hygiene and sanitation operations, including hand hygiene, environmental cleaning, linen management, food sanitation, and infection prevention. RSUD Sumbersari Bantul Metro Selatan still relies on one bore well and has limited water storage without a permanent backup source. This study aimed to analyze the adequacy of clean water quantity and quality in supporting hygiene and sanitation operations at RSUD Sumbersari Bantul Metro Selatan in 2026. This study used a descriptive analytic design. Data were collected through observation, interviews, water discharge and consumption measurement, document review, and laboratory examination of clean water samples. The analysis compared water availability, water demand, unit-based distribution needs, and water quality with the standards of Ministry of Health Regulation Number 2 of 2023. The results showed that during January-March 2026, the hospital served 154 inpatients and 1,028 outpatients and had 151 staff members. The total clean water requirement was 715.44 m3/90 days, while the available water was only 414.00 m3/90 days, fulfilling 57.87% of the required amount. The average daily need was 7.95 m3/day, compared with the availability of 4.60 m3/day. High-risk service units, particularly inpatient care, emergency services, intensive care, CSSD, isolation, maternity care, laundry, and nutrition services, require priority water distribution. Laboratory testing found Escherichia coli and total coliform at 19 CFU/100 ml each, exceeding the required standard of 0 CFU/100 ml. In conclusion, the quantity and microbiological quality of clean water at RSUD Sumbersari Bantul have not adequately supported optimal hygiene and sanitation operations.

Micro, Small, and Medium Enterprises (msmes) play an important role in supporting regional economic growth. However, business sustainability often faces various risks that may hinder the achievement of business objectives. This study aims to analyze the implementation of risk management at Valerie Bag's Boutique in Maumere, Sikka Regency. The research employed a qualitative descriptive method, with data collected through observation, interviews, and documentation. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing. The findings indicate that Valerie Bag's Boutique faces four main categories of risk: supply risk, operational risk, market risk, and financial risk. Market risk and financial risk are the most dominant due to intense business competition, rapidly changing fashion trends, inventory accumulation, and delayed customer payments. Risk control strategies implemented by the boutique include enhancing digital marketing efforts, conducting regular inventory management, improving service quality, strengthening operational supervision, and maintaining better financial records. The study concludes that effective risk management implementation can contribute significantly to improving business sustainability and enhancing the competitiveness of msmes in the fashion sector

The furniture industry is a strategic sector in the regional economy, including in Sikka Regency, East Nusa Tenggara, where the JeparaWaidoko furniture business owned by Mr. Agus Komarudin has been operating since 2010. In running its business, Mebel JeparaWaidoko faces various operational risks that have the potential to disrupt production continuity, employee safety, and financial stability. This study aims to comprehensively analyze the risk management process at this business, including risk identification, risk analysis and assessment, evaluation and prioritization, and implementation and monitoring of risk controls. The method used was descriptive qualitative, using in-depth interviews with the business owner and field observations. The study identified three main risks: the risk of flooding, the risk of workplace accidents due to the use of production machinery, and the risk of rising raw material prices. All three are categorized as high-priority risks requiring planned and systematic management. These findings indicate that risk management practices at Mebel JeparaWaidoko remain informal and intuitive, despite the implementation of simple control measures. This study recommends formalizing an ISO 31000-based risk management system, improving occupational health and safety programs, and diversifying raw material suppliers as medium-term strategic steps

This study aims to map the development of literature on the implementation of ISO 31000:2018 as a risk management standard through bibliometric analysis. Using VOSviewer software, this study analyzed 500 scientific articles sourced from Google Scholar. Citation metric analysis results show significant research productivity and impact, with a total of 4,514 citations, an h-index of 34, and a collaboration pattern with an average of 2.40 authors per article. Keyword network mapping identified five main thematic clusters: (1) Risk Management Operational Processes and Stages; (2) Framework and Standard Implementation; (3) Specific Analysis Methods (FMEA); (4) Enterprise Risk Management and Case Study Approaches; and (5) Technology Application. The research findings reveal that this field of study has reached a good level of maturity, with the main focus still on the technical aspects of standard implementation, but has expanded towards integration with digital transformation and enterprise-level risk management approaches. The results of this study can serve as a guide for academics and practitioners in identifying research trends and future risk management development.  

This study aims to identify, assess, and control risks that arise in container loading and unloading activities at PT Dunia Express Transindo using the Enterprise Risk Management (ERM) approach. Container loading and unloading activities are complex and involve various parties, making them highly susceptible to risks, both from internal and external aspects. Risks that can occur include system disruptions, operational negligence, equipment damage, and environmental factors such as extreme weather that can affect the smoothness of the loading and unloading process. Therefore, the company needs to have a structured, comprehensive, and sustainable risk management system to maintain operational continuity. This research method refers to the COSO framework and the ISO 31000:2018 standard which focuses on the process of risk identification, assessment of likelihood and impact levels, and formulation of appropriate mitigation strategies. Data were obtained through interviews with management, field observations, and analysis of company documents. The results of the study indicate that the implementation of ERM is able to map risks more systematically, making it easier for the company to determine handling priorities. Several risks with a high probability and significant impact received special attention through the implementation of mitigation strategies such as improving information technology systems, routine employee training, and more scheduled equipment maintenance. These findings indicate that ERM implementation not only functions as a risk control tool but also plays a role in increasing operational efficiency, strengthening inter-departmental coordination, and minimizing potential losses that could disrupt company stability. Furthermore, ERM implementation makes a real contribution to increasing the competitiveness of companies in the logistics and stevedoring sector, especially in facing dynamic business challenges and external environmental uncertainty.

This study aims to analyze the effect of liquidity and credit risk on the profitability of banks listed on the Indonesia Stock Exchange (IDX) during the period 2018–2022. Profitability is measured by Return on Assets (ROA), liquidity is proxied by the Loan to Deposit Ratio (LDR), while credit risk is measured using the Non-Performing Loan (NPL) ratio. The research employs a quantitative approach with multiple linear regression analysis to test the partial and simultaneous influence of the independent variables on profitability. Data were obtained from the annual financial reports of banks published on the IDX, covering a five-year observation period. The results of the analysis show that credit risk, as measured by NPL, has a significant negative effect on bank profitability. This finding reflects that the higher the NPL ratio, the lower the bank’s ability to generate returns on assets, emphasizing the importance of effective credit quality management. In contrast, the liquidity level measured by LDR demonstrates a positive but statistically insignificant effect on ROA. This suggests that although liquidity plays a role in supporting banking operations, its direct impact on profitability is relatively weak when considered independently. However, when examined simultaneously, both credit risk and liquidity significantly affect bank profitability. These findings imply that effective credit risk management is a crucial determinant of financial performance in the banking sector. High levels of non-performing loans can erode bank profits, while optimal liquidity management supports operational efficiency, even if its impact is not strongly significant in isolation. From a managerial perspective, banks need to strengthen monitoring of loan quality, implement more prudent credit policies, and adopt sustainable liquidity strategies to enhance profitability. For regulators, the results highlight the importance of supervising asset quality and ensuring adequate liquidity management in the banking system. This study contributes to the literature on banking performance by providing empirical evidence on the interaction between credit risk, liquidity, and profitability in the Indonesian banking sector.

The rapid growth of information technology has driven digital transformation in various sectors, including micro, small, and medium enterprises (MSMEs), the backbone of the Indonesian economy. In response to the challenges and opportunities of digitalization, the Surabaya City Government launched the Peken e-commerce platform on October 31, 2021. This platform aims to help MSMEs market their products online, expand market reach, and increase competitiveness. However, the use of digital systems also presents new challenges, particularly in terms of cybersecurity. Dependence on technology opens the door to various threats that can compromise data confidentiality, integrity, and availability. This study aims to analyze and evaluate information security risks on the Peken Surabaya website using a risk management approach based on the ISO/IEC 27005:2019 standard. The analysis method involves identifying information assets, recognizing potential threats, identifying vulnerabilities, and assessing risk levels based on the likelihood of occurrence and impact. To support the analysis, technical testing was also conducted using the Open Web Application Security Project Zed Attack Proxy (OWASP ZAP) tool. The research results indicate that most of the risks faced by Peken Surabaya are moderate to very high. These risks include Distributed Denial of Service (DDoS) attacks, user data leaks, and the lack of a two-factor authentication (2FA) system. Based on these findings, a risk management strategy was developed using the Risk Modification, Risk Sharing, Risk Retention, and Risk Avoidance approaches. Furthermore, this study recommends security controls based on ISO/IEC 27005 and OWASP Top 10 to enhance system protection. These findings emphasize the importance of implementing international standards-based risk management in maintaining the continuity and security of digital public services, particularly those supporting the MSME sector in the digital era.

This study aims to analyze the implementation of risk management at PT API, identify the challenges faced during the process, and evaluate its impact on the company’s financial performance. A qualitative research approach was employed, with data collected through in-depth interviews, direct observation, and documentation review. The data were obtained from managers and staff of the Quality, Risk, and Performance Management unit, providing comprehensive insights into the risk management procedures applied within the company. The findings reveal that PT API has implemented risk management in accordance with the ISO 31000:2018 framework. The processes of risk identification, analysis, evaluation, and mitigation are carried out systematically. However, several challenges were identified that hinder effective implementation. These include reliance on manual monitoring systems, which are prone to errors and delays in reporting, and the lack of widespread awareness of risk culture across all work units. This uneven awareness results in suboptimal employee participation in risk identification and reporting. Nevertheless, the implementation of risk management has shown a positive impact on the company's financial performance. With structured risk treatment and appropriate mitigation strategies, the company has been able to reduce potential financial losses and improve operational efficiency. This is reflected in more controlled budget management and more cautious decision-making based on risk analysis. Overall, the study emphasizes that consistently and thoroughly applied risk management not only functions as a control mechanism but also contributes significantly to the financial stability and sustainability of the company. Therefore, the enhancement of digital monitoring systems and the strengthening of risk awareness across all departments are crucial aspects that need to be addressed moving forward.This research highlights the strategic value of risk management in supporting organizational resilience and financial health, offering practical insights for companies seeking to optimize their risk governance frameworks.

This study aims to identify risk management processes and analyze management strategies that can be implemented by Pineapple Chips MSMEs in Kualu Nenas Village. The approach refers to the ISO 31000 framework, which includes risk identification, analysis, evaluation, and management. The results show that the most significant risks are in the high category, especially financial and operational risks, such as fluctuations in raw material prices, product damage due to improper storage, and limited human resources in marketing and production management. To minimize the impact of risks, a thorough analysis and appropriate mitigation strategies are required. The implementation of systematic risk management is considered capable of reducing potential losses, increasing business resilience, and strengthening the position of MSMEs in facing market dynamics. This approach is also crucial in maintaining business continuity, increasing consumer trust, and maintaining business reputation.  

This study aims to analyze interest rate risk management in Micro, Small, and Medium Enterprises (MSMEs) that use People's Business Credit (KUR) facilities, with a case study at the Kari Water Drinking Water Depot in Kulim District, Pekanbaru City. Fluctuations in interest rates are one of the financial risks that can affect the continuity of MSME businesses, especially in terms of the ability to pay credit obligations. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study indicate that the Kari Water Depot faces financial risks due to interest rate fluctuations, operational risks related to water distribution and quality, and legal risks due to drinking water quality regulations. The application of risk management based on ISO 31000 has been proven to help in the process of systematic risk identification, analysis, and mitigation. The mitigation strategy through investment in Reverse Osmosis (RO) technology is considered effective because it can improve product quality and operational efficiency. However, the success of this strategy is greatly influenced by the readiness of human resources, access to financing, and mature risk planning. This study recommends the importance of risk management training for MSMEs and policy support in the form of access to affordable funding and environmentally friendly technology to improve the competitiveness and sustainability of MSMEs amidst economic dynamics.

Th Advances in information technology have had a significant impact on various aspects of life, including organizational operations. The Mobile Attendance Application (K-Mob) is one implementation of information technology designed to simplify the process of recording attendance in real-time. However, this application is vulnerable to risks that can hamper operations, such as hacking, system failures, and data security issues. This study aims to identify, analyze, and evaluate risks that may affect K-Mob's performance using the ISO 31000 framework. The analysis process is carried out through communication with stakeholders, risk identification, and risk evaluation based on the frequency of occurrence and impact. The results show that significant risks faced include hardware damage, server disruptions, and data misuse. Risk management is carried out through mitigation strategies, such as system updates, infrastructure strengthening, and increasing human resource capacity. With this approach, risks can be minimized, ensuring the sustainability of K-Mob's operations, and improving system reliability. This study recommends regular risk evaluation and the development of adaptive strategies to address evolving threats. The implementation of ISO 31000 has been proven to provide effective guidance in information technology risk management.is.

Objective: This study investigates the critical role of risk management practices in enhancing corporate performance, with a specific focus on financial institutions and manufacturing sectors. The research aims to uncover how effective risk management contributes to organizational resilience, operational efficiency, and long-term sustainability.Methodology: A Systematic Literature Review (SLR) methodology was employed to analyze 11 peer-reviewed academic articles published between 2015 and 2023. The selected studies were drawn from reputable databases such as Scopus and Web of Science, using predefined inclusion criteria. The analysis focused on identifying patterns, gaps, and emerging trends in risk management practices.Findings: The study reveals that robust risk management significantly enhances organizational resilience, mitigates exposure to financial and operational risks, and fosters improved corporate governance. Frameworks such as ISO 31000 and Enterprise Risk Management (ERM) are identified as pivotal in aligning risk management with strategic objectives, thereby driving sustainable growth.Contribution: This research underscores the need for a unified and standardized risk management framework that addresses sector-specific challenges while promoting cross-industry applicability. Policymakers and industry leaders are urged to prioritize risk management as a strategic imperative, especially in times of crisis.

This research examines the application of ISO 31000:2018 in IT risk management within the publishing system of PT. X, a book publishing company. ISO 31000:2018 is an international standard providing systematic guidance to identify, analyze, and manage risks, aiming to enhance operational efficiency and organizational sustainability. Using a qualitative approach, this study incorporates literature reviews and interviews with the publishing manager of PT. X to further understand risk management implementation and identify existing gaps. The identified risks include natural, human, and system-related factors, totaling 23 risks such as hacking attacks, data theft, and server damage. Risk analysis was conducted using likelihood and impact parameters to evaluate the frequency and consequences of risks on company operations. The findings reveal that implementing ISO 31000:2018 offers an effective framework for managing risks at PT. X, enhancing risk awareness, safeguarding company assets, and supporting decision-making processes. This study also provides strategic recommendations to improve risk management and strengthen operational resilience at PT. X.

CV. Aren Jaya is an AC service provider located in South Tangerang. In 2017 this shop began to develop by opening new and used AC sales services, AC installation services, used washing machine sales services and washing machine service services. In carrying out the company's business process activities, of course there will always be possible risks and potential risks that can threaten and disrupt business process activities. The need for a risk analysis of existing IS/IT resources in the company, using the ISO 31000:2018 method related to risk management. The purpose of this study is to minimize all possible risks that are currently being experienced or will also occur and provide appropriate recommendations regarding risks that may occur at any time. The research method used in the risk analysis uses the ISO 31000:2018 framework. The results of this risk analysis are in the form of an analysis of the possibility of existing risks, evaluations and risk mitigation plans so that they can produce improvements to existing risks. The final result of the research produces risk recommendations, so the company can adjust to the priorities of the existing risk level, so that it does not interfere with business activities at CV. Arena Jaya.  

Sultan Muhammad Salahuddin Airport located in Bima regency, West Nusa Tenggara is the main terminal for the people of Bima and its surroundings who travel using air services. As the main terminal for Bima people who will travel by air service, Bima Airport must have a risk management system in accordance with applicable regulations, especially in the airside area where all aircraft operational activities take place in the airside area. This study aims to determine the suitability of the safety criteria of Sultan Muhammad Salahuddin Bima Airport and the steps taken by the airport in the event of a non-conformity or an event that can be categorized as hazard identification and Risk assessment (HIRA). This study used mixed methods Data collection was carried out by observation, structured interviews and documentation. The general data in this study is primary data and secondary data. Data analysis used using qualitative and quantitative data analysis techniques. The results of this study are based on research that has been carried out based on ISO 31000 on Aviation Hazard Risk Management Analysis on the Airside Side as an effort to minimize the risk of accidents with the Hira method at Sultan Muhammad Salahuddin Airport which is carried out using stages consisting of the risk identification stage, risk analysis and risk evaluation as well as the risk treatment stage, So from the study 10 dangers and risks that are likely to occur. Of the 10 risks, there are 9 risks in the red zone (high) and 1 risk in the yellow zone (medium). Of the 10 risks, they then get treatment or control because they are in the red zone and yellow zone. Controlling the possibility of 10 existing risks, Sultan Muhammad Salahuddin Airport uses control measures in implementing measures to minimize the impact of possible risks that occur, namely avoiding and reducing risks. This is supported by risk treatment carried out by the company and adjusted to 10 risks that are likely to occur.