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This qualitative research aims to explore the role of Strategic Financial Fluency (SFF) as a catalyst for growth in Micro, Small, and Medium Enterprises (MSMEs). The study employs a multi-method approach integrating literature review, case studies, and expert interviews to construct a comprehensive understanding of SFF and its impact on MSMEs' growth trajectories. Sampling techniques involve purposive sampling of MSMEs representing diverse industries and geographical locations to ensure comprehensive data collection. Data analysis employs thematic analysis, focusing on identifying patterns and themes related to SFF adoption, utilization, and its influence on business growth. The findings reveal that MSMEs equipped with Strategic Financial Fluency demonstrate higher adaptability, resilience, and growth potential. Moreover, SFF facilitates informed decision-making, efficient resource allocation, and strategic planning, thus fostering sustainable growth in MSMEs. This research contributes to the existing literature by highlighting the pivotal role of financial literacy and strategic financial management in enhancing the competitiveness and growth prospects of MSMEs in a dynamic business environment.

This research delves into the nuanced landscape of digital marketing evolution in Indonesia, particularly at the intersection of artificial intelligence (AI) and business ethics. The study aims to elucidate the current state of digital marketing practices in Indonesia, exploring how AI technologies are integrated and the ethical considerations surrounding their implementation. Employing a qualitative research approach, the study utilizes in-depth interviews and focus group discussions with key stakeholders in the Indonesian digital marketing ecosystem. The sampling technique involves purposive sampling to ensure representation from various industry sectors and perspectives. Data analysis is conducted through thematic analysis, allowing for the identification of emerging themes and patterns related to AI adoption and ethical implications in digital marketing strategies. Preliminary findings suggest a complex interplay between technological advancements, ethical dilemmas, and regulatory frameworks, highlighting the need for a balanced approach to AI utilization in digital marketing within the Indonesian context.

This research seeks to assess PT. BNI (Persero) Tbk's performance through the utilization of the balanced scorecard approach, encompassing financial, customer, internal processes, and learning/growth perspectives. The study, employing a descriptive method, focuses on PT. BNI (Persero) as the sample population, utilizing documentation techniques for data collection. Results indicate favorable financial indicators (ROA, ROE, NPM, BOPO, LDR), subpar customer metrics (customer acquisition, retention), excellent internal business processes (AETR, NGR), and positive learning/growth aspects (employee productivity, ETTE).

Opportunities for crime in the digital business world include various forms of threats, such as system hacking, theft of personal data, financial fraud, and other criminal acts that can harm companies and damage consumer trust. Digital business is a business activity that in its implementation utilizes technology as a medium, either when creating or in a series of marketing activities. In an effort to deal with opportunities for crime in the world of e-business, companies must prioritize information security, strict policy implementation, education and training for employees, as well as partnerships with security and government agencies. This research uses a qualitative literature study method by obtaining secondary data through published journal articles with the question "Are there many opportunities for crime in the utilization or use of e-business?". Based on this, it is clear that there are still many opportunities for crime in the digital business world and continue to occur, where the crimes that often occur are fraud, hacking, as well as cybercrime and cyberfraud.

This research explores the optimization of network utilization to enhance the efficiency of Shariah Mobile Banking services for customers. The study delves into the theoretical framework of Shariah Mobile Banking, elucidating its customer benefits, technology, and the role of networks. Employing a qualitative research approach, the study aims to examine the efficiency of Shariah Mobile Banking services. The findings underscore the paramount importance of efficiency in Shariah Mobile Banking and highlight the pivotal role of network concepts in augmenting this efficiency. The discussion also identifies hurdles encountered in optimizing Shariah Mobile Banking services and proposes viable solutions to overcome these challenges. This research contributes valuable insights for financial institutions and providers of Shariah Mobile Banking services to improve their service efficiency through network optimization. Additionally, it broadens the understanding of the customer benefits derived from Shariah Mobile Banking. The outcomes are anticipated to inform strategies and actions aimed at enhancing the overall user experience of Shariah Mobile Banking for customers.  

In the current era of globalization and digitalization, business innovation is crucial for organizations to maintain and enhance competitiveness. The utilization of Information Systems and Technology (IT) serves as a foundational element for business innovation. This article explores how organizations can implement business innovation through the utilization of IT to achieve a competitive advantage. It delves into the central issues of IT in the business context, discussing the role of IT in supporting business operations and strategies. The study aims to understand the pivotal role of business innovation in organizational success and examines real-world cases where organizations successfully implemented innovation through IT. The challenges and obstacles faced, including data security and implementation costs, are addressed, and effective strategies to overcome these challenges are proposed. The conclusion highlights the strategic significance of investing in business innovation supported by IT for organizations aiming to stay relevant and sustainable in the ever-evolving global market.

Information Technology is technology used to manipulate data in various ways. For example, this technology can process, access, organize and store data. The aim of using information technology is to produce high quality information. Information and Communication Technology has influenced the way humans communicate, work and live. In the business sector, ICT has helped efficiency in business processes and communication between customers, employees and business partners. In the field of education, ICT has changed the way of teaching and learning, providing access to online educational resources, and opening up opportunities for distance learning as discussed this time regarding the utilization or use of information and communication technology in BANUH RAYA, SIMALUNGUN, which has a population of approximately 150 families where the use of technology in this area is still lacking due to network difficulties where sometimes residents have to climb to higher places to get a network. Information Technology is technology used to manipulate data in various ways. For example, this technology can process, access, organize and store data. The aim of using information technology is to produce high quality information. Information and Communication Technology has influenced the way humans communicate, work and live. In the business sector, ICT has helped efficiency in business processes and communication between customers, employees and business partners. In the field of education, ICT has changed the way of teaching and learning, providing access to online educational resources, and opening up opportunities for distance learning as discussed this time regarding the utilization or use of information and communication technology in BANUH RAYA, SIMALUNGUN, which has a population of approximately 150 families where the use of technology in this area is still lacking due to network difficulties where sometimes residents have to climb to higher places to get a network.

The aim of this research is to determine the current level of unemployment and poverty in Indonesia and the public policies that can be implemented as a solution to these problems. The method used is descriptive qualitative research which aims to provide an overview or explanation related to the problem formulation. The results of this research are (i) The Indonesian government can implement public policies that support the utilization of the potential of the agricultural sector and existing agricultural land to improve community welfare, create jobs and reduce unemployment rates as was implemented during the time of the Caliph Umat bin Abdul Aziz. (ii) The Indonesian government can implement public policies based on the principles of good zakat and tax governance that were implemented during the time of Caliph Umar bin Abdul Aziz. The implications of this research provide information regarding the comparison of unemployment rates and poverty rates in Indonesia with other countries in the world and also during the time of Caliph Umar bin Abdul Aziz. Therefore, the latest in this research is related to the relevance of public policy during the government of Caliph Umar bin Abdul Aziz in order to reduce unemployment and alleviate poverty with the current public policy of the Indonesian government.

This service activity aims to add innovation to Clitoria Ternatea herbal products in the ASMANTOGA PKK group, Ceguk village, Pamekasan district. These wild plants are very often found in the environment around people's lives, one of which is currently very popular is the telang flower which we know by the Latin name Clitoria Ternatea. This activity provides product innovation made from butterfly pea flowers. The methods used are demonstration methods, socialization methods, and training methods. The result of this activity is education regarding innovation in the development of Clitoria Ternatea herbal products as an optimization of the utilization of local potential in Ceguk village, Pamekasan district. Apart from that, participants were able to understand the training methods for developing Clitoria Ternatea herbal products as processed drinks for the community in Ceguk village, Pamekasan district through PKK women.

The advancement of Industry 4.0 demands production systems to operate more efficiently, adaptively, and securely in facing global challenges. One promising technology that addresses these needs is the Digital Twin (DT), a digital representation of physical systems that enables integration between the real and virtual environments. Through DT, production processes can be modeled, monitored, and tested in real time, allowing for evaluation and optimization before implementation in actual systems. This study aims to explore the effectiveness of DT in modeling automated industrial systems, particularly in relation to improving production efficiency, quality control, energy savings, and operational safety. The research employed an experimental approach based on simulation within a robotic production line consisting of machines, sensors, actuators, and conveyors. The research stages included identifying system components and workflows, developing a DT model that integrates physical and virtual layers with Internet of Things–based data connectivity, and conducting simulations representing diverse operational scenarios. The findings indicate that DT implementation enhances operational efficiency, reduces production errors, and optimizes energy utilization. Furthermore, DT proves effective in strengthening safety aspects by enabling early detection of potential disruptions and providing preventive recommendations before significant impacts occur. Compared to conventional simulations, DT offers a more realistic, adaptive, and relevant approach to the needs of modern industry. The implications of this study highlight DT’s strong potential to become a new standard in the development and control of automation-based production systems, driving the creation of smarter, more efficient, and sustainable industries.

Regional government assets are one of the pillars of revenue generation for the Regional Government. In managing regional assets, regional governments must consider various aspects ranging from needs planning, procurement, administration, utilization, maintenance and security to supervision so that regional assets are able to provide optimal contributions to the regional government concerned. Regional assets are a resource and a potential that is absolutely necessary in the administration of Regional Government, because if assets are managed well they can provide benefits to the Regional Government and the community as a source of income as well as supporting the role and function of the Regional Government as a provider of regional services to the community.

Cooking oil is an important basic ingredient in the frying process with the main function as a heat conductor, adding savory taste, increasing nutritional value, and heat of foodstuffs. If cooking oil is used many times it becomes less good for consumption, this is because the fatty acids contained will be more saturated and will change color Used cooking oil that has been used is called used cooking oil. Used cooking oil is oil that has been used more than two or three times frying, and is categorized as waste because it can damage the environment and can cause a number of diseases. So the use of used cooking oil is carried out by reprocessing it for the manufacture of solid soap. The participants of this activity were PKK mothers in one of the villages in Gresik, this activity consisted of discussions, demonstrations and direct practice. The results of this service activity show that community members are very enthusiastic about participating in this activity, as can be seen from the many questions they ask and their desire to participate in this activity. The practice and demonstration are intended to provide skills to the participants in determining the right formula in making laundry soap from used cooking oil. Once these activities take place, it is hoped that the development of the talents they have learned in the future will result in financial rewards.

In the planning and management of the budget for working visits, Commission C of the North Sumatra Provincial DPRD plays a crucial role. Through qualitative research methods with a descriptive approach and direct observation at the North Sumatra Provincial DPRD for one month, the research findings revealed that Commission C is involved in processes including the preparation, implementation, and distribution of official notes, as well as the printing of documents such as SPT and SPPD for the execution of working visits. Additionally, Commission C also performs legislative, oversight, budgeting, and coordination functions to ensure the efficiency and transparency of fund utilization and compliance with applicable regulations. These findings highlight the significance of the role of Commission C in representing and serving the interests of the North Sumatra community effectively.

Growth and development is a continuous process that occurs from conception and continues until adulthood. The pre-school period is a golden age where stimulation of all aspects of development plays an important role in subsequent developmental tasks, where 80% of children's cognitive development has been achieved at pre-school age. However, in reality there are still many parents who do not understand the importance of screening and stimulating growth and development in children. Screening is carried out to detect irregularities early so that it will be easier to overcome them. Currently, the KPSP Pro application is available, which can be accessed via smartphone, which can be used by parents to carry out independent developmental screening of their respective children. The problems currently faced by partners are the minimal knowledge of parents regarding screening and stimulating growth and development in children, the lack of utilization of the facilities that are already available for conducting screening, many parents who are not open to technology, and do not understand how to access and use applications. KPSP Pro is also unable to utilize information from screening results. The solutions offered to partners are: conducting seminars for teachers and parents regarding the importance of screening and stimulating growth and development in children, informing regarding the availability of the KPSP Pro application, teaching how to access/download the KPSP Pro application, conducting roleplays, carrying out development screening using KPSP Pro and provide an understanding regarding the use of screening results. The results of this activity showed an increase in mothers' knowledge about developmental screening of preschool-age children.

The interior design plays a very important role in today's modern era of modernization. It is evident that the beauty of a space greatly influences people's work activities and performance within it. A library, as a storehouse of knowledge, should consider the aesthetics of the space to allow patrons to work, learn, and create more freely in the library to meet their information needs, which will ultimately impact the patrons' loyalty to the library. The Provincial Archives and Library Service of West Sumatra still appears to be lacking in terms of aesthetics, furniture arrangement, noise levels, and the utilization of space, which is a significant concern for the library to make it more appealing to patrons as a place to seek information.

The internet has a broad impact in the world of education, changing traditional ways of education to modern ways. The presence of the internet can overcome and change the limitations of distance, learning resources and information sources, so that students can be active in understanding the subjects taught by teachers to students. Utilization of the internet network as a source of basic education and training. Searching for teaching materials and sources of information in learning can be implemented through browsing, resourcing, searching, consulting and communicating. Utilizing the internet by utilizing the web in learning can be done through web courses, web centric courses, and web enhanced courses. The use of the internet must be done with full awareness so that the presence of the internet can truly support learning activities, especially for elementary school teachers in the Baki sub-district, Sukoharjo district. Internet misuse can have a negative impact on learning due to inaccuracies in the data or information presented. Therefore, internet users must be selective in choosing learning sources and information presented by the internet.

Online Single Submission is an electronically integrated business permit issued by the OSS institution in order to accelerate the business permit process. In Indonesia, licensing is actually the main obstacle for business actors. Too much bureaucracy, a lot of time, costs and the addition of many unofficial fees, make business people think about registering their business. These problems make the licensing system unhealthy and continue to recur from year to year. The implementation of licensing services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province can be considered less than satisfactory, as it still encounters issues. Specifically, business operators may not fully comprehend or utilize internet-based services. This research aims to assess the quality of public services provided through the Online Single Submission (OSS) system at DPMPTSP North Sumatra Province. The research employs a descriptive method with a qualitative approach. The findings indicate that the quality of public services through the Online Single Submission (OSS) system at the DPMPPTSP of North Sumatra Province is generally good but not yet optimal. It is recommended that the DPMPPTSP of North Sumatra Province should actively engage in outreach efforts to educate the public about the utilization of the Online Single Submission (OSS) system, allowing individuals to register their permits independently, without reliance on intermediaries or third parties.

The Bayat community is a community that has skills in making pottery crafts. Selling pottery crafts is one of the uses of individual creativity and skills and talents possessed by the Pagerjurang Bayat Klaten community which can be used to create prosperity and employment opportunities through the creativity and inventiveness of individual communities. The potential that exists not only requires capital, energy and funds for manufacturing, but Bayat village pottery entrepreneurs need to change their marketing strategy by using modern technology in the form of using Android devices in building their marketing strategy. This Community Service aims to motivate pottery entrepreneurs to form creative ways of thinking and productive behavior in developing marketing through Android devices. The Community Service Method uses qualitative and quantitative methods as a strategy for achieving goals. And as a result of community service activities, pottery craftsmen are able to implement marketing strategies using Android devices, so that sales turnover targets are achieved

One of the most basic and most important things in dealing with the circulation of false information is to strengthen digital literacy and ethics in students, the purpose of this study is to provide education and socialization about the urgency and strengthening of digital literacy and ethics as a preventive in preventing Hoax and Hate Speech information circulating on social media, this study uses descriptive qualitative methods with the results: First, strengthening digital literacy is an effective solution in dealing with fake news circulating, because the higher a person's cognitive abilities, the more selective he is in sorting out the information presented, Second, the implementation stage in strengthening and learning literacy and learning ethics is with various learning methods, especially digital-based learning media, school literacy movements, e-learning and utilization of online learning platforms and applications in honing students' cognitive skills and skills in digital literacy, as well as the effectiveness of socialization about the impact and dangers of hoaxes and hate speech. Third, the obstacles in strengthening digital literacy and digital ethics are student skills, weak parental control and supervision, social and economic status, and the skills and abilities of teachers who are required to continue to innovate.

This study aims to analyze financial accountability and utilization of zakat, infaq and shadaqah funds at Lazismu Medan City. This study uses qualitative research using primary data and secondary data approaches. Data collection techniques were carried out by interviews, observation and documentation. To motivate muzakki to pay ZIS through the Zakat Management Organization (OP Z), it is necessary to increase the credibility of OPZ by applying accountability values, namely trustworthiness, professionalism and transparency. The results of the study show that financial accountability in the Amil Zakat, Infaq and Shadaqoh Muhammadiyah Institutions in Medan City has been proven to have implemented PSAK 109 as the accounting standard used. Aspects of presenting ZIS at Lazismu are implemented by preparing financial reports consisting of statements of financial position, cash flow reports, reports on changes in funds, reports on changes in assets under management and notes to financial statements (CALK). Financial reports on the management of ZIS are published once a year. Apart from that, Lazismu also performs regular monthly reporting. And Utilization and ZIS at Lazsimu Medan City experienced an increase in distribution in 2021 more ZIS funds were distributed and programs were implemented compared to 2020. This shows that more mustahiq receive benefits from zakat, infaq and shadqah funds.