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This qualitative literature review examines the strategic role of liquidation during financial crises, with a focus on the externalities it generates and the design of optimal insolvency interventions. Synthesizing recent empirical and theoretical research, the study highlights how liquidation decisions—particularly in systemic downturns—affect broader economic stability through credit disruption, asset fire sales, and employment losses. The review finds that while prompt liquidation of non-viable firms can facilitate recovery, poorly structured interventions risk perpetuating inefficiencies and moral hazard. Comparative insights from diverse institutional contexts emphasize the need for hybrid insolvency regimes that balance liquidation with restructuring flexibility. This synthesis contributes to ongoing debates on how to enhance crisis responsiveness in insolvency law and policy design.

This research aims to analyze the role and impact of PT Batujaya Bersama Sejahtera (PT BBS) on the socio-economic conditions of the community in Walandano Village, Balaesang Tanjung District. The background of this study is driven by the massive expansion of the mining industry in Central Sulawesi, which triggers a structural shift from traditional agriculture to an industrial economy. This study employs a qualitative method with data collection techniques including in-depth interviews, observation, and documentation. The findings indicate that PT BBS plays a significant role in local economic development by providing employment opportunities, increasing household income, and improving public infrastructure such as roads and jetties. However, the study also identifies social disruptions, including public protests regarding land issues and environmental concerns like dust and noise pollution. The implications of this research suggest that the company must strengthen its Corporate Social Responsibility (CSR) programs by focusing on sustainable community empowerment and more transparent communication to mitigate social risks. These findings contribute to the literature on regional economic development and social change in coastal mining areas.

This community service activity aims to explore strategies for strengthening human competencies in facing technological disruption through a national seminar entitled “Human Resource Transformation in the Digital Era: An Interdisciplinary Approach for Sustainable Community Empowerment.” The seminar featured expert speakers from various universities to provide multidimensional perspectives for participants. The discussion focused on the integration of digital technology, adaptation of organizational culture, and management innovation to enhance community economic resilience. The implementation method involved intensive material presentations and interactive discussions that bridged academic theory with practical field needs. The results of the activity indicated an increase in participants’ awareness and understanding of the importance of digital literacy and interdisciplinary collaboration as key factors for inclusive empowerment. Through synergy among academics, the seminar successfully formulated strategic recommendations for developing adaptive, innovative, and globally competitive human resources. It is expected that the outcomes of this activity will serve as a catalyst for achieving sustainable community independence amid the rapidly evolving digital ecosystem. Recognizing the importance of this issue, the seminar was held on March 7, 2026, and comprehensively discussed strategies, insights, and research findings related to human resource transformation in the digital era, including how organizations can become more competitive.

The money market plays a vital role in the global financial architecture as a provider of short-term liquidity and a primary channel for monetary policy transmission. This research is motivated by the rapid transformation of financial instruments, which now encompass conventional and Sharia-compliant sectors, as well as digital innovations such as e-money and stablecoins. The purpose of this study is to examine the concept of the money market, identify the diversity of modern instruments, and analyze their strategic role in economic stability through a qualitative literature review approach. The analysis shows that the money market is highly effective in managing bank cash reserves and controlling inflation by regulating the money supply. The presence of digital instruments has been proven to accelerate liquidity flows, while Sharia schemes provide transparent and equitable investment alternatives. However, the emergence of digital assets also brings challenges of volatility that require adaptive regulation and professional skepticism from market participants. The implications of this research emphasize the importance of synergy between monetary authorities and financial technology to address global disruption. Strengthening regulations on future instruments is expected to create a more inclusive and stable financial system that can respond precisely to economic shocks.

This study aims to analyze the relationship between digital literacy and financial literacy in strengthening a resilient and inclusive national financial ecosystem in Indonesia. As the financial landscape increasingly shifts toward digitalization, the integration of technological competence and financial awareness becomes a critical factor in ensuring economic stability and inclusive growth. Using a quantitative research approach, data were collected from 200 active users of digital financial services through a structured questionnaire. The data were analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method to test the validity, reliability, and causal relationships among variables. The results reveal that both digital literacy and financial literacy have a positive and significant influence on the development of a robust and inclusive financial ecosystem. Furthermore, the interaction between these two literacies strengthens individuals’ ability to make informed financial decisions, utilize digital platforms effectively, and contribute to financial inclusion. The findings highlight that the synergy between digital and financial literacy is essential for creating a sustainable financial system capable of adapting to technological disruption and economic uncertainty. This study contributes theoretically by integrating digital literacy into financial inclusion models, and practically by emphasizing the importance of joint initiatives among government, financial institutions, and educational organizations in promoting literacy-based empowerment. In conclusion, enhancing digital and financial literacy simultaneously is a strategic step toward building an inclusive, secure, and resilient financial ecosystem in the digital era.

Licensing services are an important component in supporting the investment climate and ease of doing business in the region. This study aims to analyze the management of licensing service strategies at the Tanjungbalai City Investment and One-Stop Integrated Services Office (DPMPTSP). The analysis includes organizational strategies, program strategies, resource support strategies, and supporting and inhibiting service factors. The research method uses a qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study show that DPMPTSP has implemented digital-based services through the Online Single Submission (OSS) system, Building Management Information System (SIMBG), and Sicantik Cloud. The implementation is supported by the strengthening of Standard Operating Procedures (SOPs) and improving the quality of human resources. However, the implementation still faces obstacles in the form of network disruptions, limited technology infrastructure, and a limited number of service officers. Therefore, optimizing digital-based licensing services requires stable infrastructure support, increased apparatus capacity, and continuous coordination between stakeholders. This research contribution emphasizes the importance of an adaptive, integrative, and quality-oriented licensing service management strategy to support sustainable regional economic development.

The purpose of this study is to analyze the synergy of humanistic and transformational leadership in building adaptability and digital competence of civil servants in the era of digital transformation. The research uses a narrative literature review approach by analyzing various literature from leading academic databases. The findings indicate that humanistic leadership creates a psychological foundation through empathy, respect for individual dignity, and psychological safety that facilitates civil servants to adapt to change without fear of failure. Meanwhile, transformational leadership acts as a catalyst by providing inspirational vision, intellectual stimulation, and motivation to master digital competencies. The synergy of these two leadership styles creates a holistic development ecosystem: humanistic leadership provides psychological safety to take learning risks, while transformational leadership provides energy and direction for continuous innovation. The theoretical implications of this research enrich the treasury of leadership theory in the context of public bureaucracy by identifying the complementary mechanisms of both leadership styles. Practical implications provide guidance for agency leaders to integrate humanistic values and transformational approaches in HR development programs to prepare civil servants who are resilient, adaptive, and digitally competent in facing the challenges of technological disruption and increasingly complex public service demands in the Society 5.0 era.

Character education faces significant challenges due to digital disruption and globalization that trigger moral degradation in adolescents. In Purwakarta Regency, the "7 Poe Atikan" policy through Regent Regulation No. 69 of 2015 was implemented as a transformative solution based on local wisdom. This study aims to analyze the implementation mechanism, the character values ​​formed, and the supporting and inhibiting factors of the "7 Poe Atikan" program for students of SMPN 1 Maniis. This study uses a qualitative approach with a descriptive literature method. Data are sourced from official documents, educational reports, and related scientific articles over the past seven years. The analysis shows that the implementation of "7 Poe Atikan" in Maniis District effectively internalizes the values ​​of nationalism and love of culture through concrete practices such as the use of Basa Indung (mother language) and traditional clothing. However, significant challenges were found in the Betah di Imah aspect which indicates the still weak synergy between schools and parents. The implementation of "7 Poe Atikan" at SMPN 1 Maniis has successfully created an educational ecosystem that adapts to local wisdom, although strengthening collaboration with the family environment remains a priority for the sustainability of students' holistic character.

This research evaluates the effectiveness of human capital development policies in Indonesia within the education and health sectors during the periods of 2015–2019 and 2020–2024. The analysis focuses on strategic programs implemented by the Ministry of Education and Culture and the Ministry of Health by comparing planned targets with the realization of performance indicators as stated in the Strategic Plan (Renstra) documents. The study employs a qualitative evaluative approach supported by descriptive quantitative data derived from official planning and performance reports. The findings indicate that during the 2015–2019 period, programs emphasizing the expansion of basic education and health services were relatively effective in increasing participation rates and improving equitable access. In contrast, programs aimed at enhancing the quality of human resources, particularly teacher development and institutional capacity building, showed lower levels of effectiveness due to weak performance measurement systems and inconsistent data reporting. During the 2020–2024 period, the effectiveness of most education and health programs declined significantly as a result of external shocks caused by the COVID-19 pandemic. However, health programs with strong financial protection mechanisms, such as the National Health Insurance (JKN), demonstrated greater resilience compared to other programs. The study concludes that the effectiveness of human capital development policies is strongly influenced by the clarity of performance indicators, consistency in program implementation, institutional capacity, and the ability of policies to adapt to external disruptions.

This qualitative literature review explores how adaptive capacity mediates resilience in small family businesses (SFBs) during systemic shocks. Drawing from recent empirical studies, the review identifies adaptive capacity as a dynamic capability that enables SFBs to respond effectively to crises through flexible leadership, innovation, generational collaboration, and social capital. Unlike non-family firms, SFBs exhibit unique strengths and constraints rooted in socioemotional wealth, long-term orientation, and intergenerational ties. The findings highlight that adaptive capacity functions as a crucial intermediary between environmental disruption and business continuity. Contextual factors such as industry, firm size, and institutional support further influence resilience outcomes. This study contributes to the theoretical understanding of resilience by positioning adaptive capacity as a central mechanism in navigating systemic shocks.

Hospitalization often triggers anxiety in children because of unfamiliar environments, invasive procedures, and disruption of daily routines. Pediatric nurses are expected to implement atraumatic care through developmentally appropriate, non‑pharmacological interventions. This community service program aimed to strengthen nurses’ and families’ skills in delivering puzzle‑based play therapy and to evaluate short‑term changes in children’s anxiety responses in the pediatric ward of Awal Bros Hospital, Batam. The program was conducted in December 2025 using an action-based approach: coordination with the ward team, preparation of graded puzzle sets and education media, bedside education for parents, and supervised play sessions. Four hospitalized children with different diagnoses (chemotherapy, childhood‑onset lupus erythematosus, febrile illness, and stoma care) participated. Anxiety was assessed before and after the session using an observation sheet and a faces anxiety scale adapted for clinical use. After a 20–30 minute session adjusted to the child’s developmental stage, all participants demonstrated lower anxiety scores and better cooperative behaviors. Caregivers also reported increased understanding of play therapy as part of holistic nursing care. Puzzle play therapy is feasible, low‑cost, and can be integrated into routine pediatric nursing to support coping during hospitalization.

The development of digital technology has driven the transformation of financial services, including in Islamic microfinance institutions. One form of innovation is the implementation of mobile banking services, which aims to improve transaction efficiency and digital financial literacy among the public. This study aims to analyze customer perceptions of the Mobile UGT service program at BMT UGT Nusantara Labang Branch and its role in improving digital financial literacy among the public. This study uses a qualitative approach with a descriptive method. Data was collected through in-depth interviews, observations, and documentation of five active customers who have used the Mobile UGT service. The results show that customers generally have a positive perception of the Mobile UGT service. The application is considered easy to use, practical, and able to facilitate various financial transactions such as checking balances, transferring funds, and making payments, without having to come directly to the BMT office. In addition to increasing transaction efficiency, the use of Mobile UGT also contributes to improving customers' digital financial literacy, as reflected in their increased understanding of income and expenditure management, budget planning, utilization of digital transaction features, and awareness of data and account security. However, this study also found several obstacles, mainly related to technical disruptions to the application and internet network limitations. Overall, the Mobile UGT service plays an important role in supporting customers' financial independence and digital financial inclusion. This study recommends strengthening technological infrastructure and continuing education programs to optimize the benefits of digital financial services in the BMT environment.

This internship program was carried out at PT Sunningdale Tech Batam with a focus on assisting and analyzing the material procurement process from both local and international suppliers, which has been affected by various challenges such as resin import quota regulations, slow customs clearance processes, and external disruptions including extreme weather and geopolitical conflicts. Through direct observation, interviews, and the collection of procurement administrative documents, this activity successfully mapped the entire procurement flow and identified key obstacles that cause material delays. The output produced is an official procurement flowchart that was then implemented across three departments, demonstrating improved process effectiveness through reduced lead time for local materials from 7–9 days to 6–8 days and for imported materials from 21–25 days to 18–22 days, along with fewer documentation errors and increased staff understanding of procedural workflows. Overall, this internship activity provides a significant contribution to the company by enhancing procurement efficiency, strengthening cross-departmental coordination, and improving supply chain resilience against external risks.

Digital transformation and advances in artificial intelligence (AI) have fundamentally changed the demands of the workplace, creating a gap between graduate competencies and industry needs. This study aims to evaluate the effectiveness of AI Agent-based career adaptability psychoeducation as a community empowerment strategy to improve the work readiness of high school/vocational school and university graduates. The study design used a descriptive-interventional approach with 27 participants who participated in a four-week online training. Data were collected through a pre-post survey using the Career Adapt-Abilities Scale (CAAS) and qualitative observations during the training. The results of the Wilcoxon Signed-Rank test showed a significant increase in career adaptability scores (Z = –4.543, p < .001), with all participants experiencing increased career adaptability. Observations showed that participants became more confident, reflective, and proactive in designing their career directions after interacting with the AI ​​Agent. These findings indicate that psychoeducational interventions integrated with intelligent technology can strengthen the adaptive capacity and work readiness of the younger generation. Theoretically, this study expands the application of the career adaptability concept in the context of AI-based learning; In practice, the results provide a relevant community empowerment model for educational and employment institutions in the era of digital disruption.

Digital transformation and advances in artificial intelligence (AI) have fundamentally changed the demands of the workplace, creating a gap between graduate competencies and industry needs. This study aims to evaluate the effectiveness of AI Agent-based career adaptability psychoeducation as a community empowerment strategy to improve the work readiness of high school/vocational school and university graduates. The study design used a descriptive-interventional approach with 27 participants who participated in a four-week online training. Data were collected through a pre-post survey using the Career Adapt-Abilities Scale (CAAS) and qualitative observations during the training. The results of the Wilcoxon Signed-Rank test showed a significant increase in career adaptability scores (Z = –4.543, p < .001), with all participants experiencing increased career adaptability. Observations showed that participants became more confident, reflective, and proactive in designing their career directions after interacting with the AI ​​Agent. These findings indicate that psychoeducational interventions integrated with intelligent technology can strengthen the adaptive capacity and work readiness of the younger generation. Theoretically, this study expands the application of the career adaptability concept in the context of AI-based learning; In practice, the results provide a relevant community empowerment model for educational and employment institutions in the era of digital disruption.

The journey and development of human life in the world today, consciously or unconsciously, have entered the period or era of Society 5.0. This Society 5.0 era is characterized by the massive integration of physical and digital spaces, which on one hand opens up unlimited innovation opportunities, but on the other hand presents complex challenges to national unity and identity. This Community Service (PkM) activity is based on the urgency to strengthen the foundational character of students in general, and students of Politeknik Bisnis Indonesia in particular, so that they are not merely spectators, but active players who have a positive impact amid the technological disruption era of Society 5.0. Therefore, this PkM activity is designed and implemented to address the need for strengthening digital literacy that is ethical and nationally minded for students. From the PkM activities that have been carried out at Politeknik Bisnis Indonesia under the title “Building National Insight for Students with Character and Impact in the Society 5.0 Era concludes that it is necessary to understand national insight from an early age so that the nation's next generation realizes early on that they are part of the nation and the state of Indonesia, and by understanding and being able to internalize the values or pillars of national insight, they can have a positive impact on community life, nationhood, and statehood in the Unitary State of the Republic of Indonesia.

Flash floods are a hydrometeorological disaster that frequently strikes Indonesia, including East Aceh. Their impacts include not only physical damage but also social and economic disruption to residents. This article describes a community service activity involving the distribution of community donations to flash flood survivors in Pante Bidari District. Using a descriptive qualitative approach, this article analyzes the process of collecting, managing, and distributing aid and links it to theoretical findings in the scientific literature on disaster management, social solidarity, and community resilience. The literature review indicates that local community involvement significantly influences the effectiveness of disaster management (Hariyal & Anhar, 2015); (Faiz, 2025) The results of this activity indicate that community-based aid distribution can accelerate the fulfillment of basic needs, strengthen social networks, and increase the social resilience of affected communities. Thus, this activity confirms that strengthening solidarity among residents is a crucial component in disaster emergency response. Community-based aid distribution not only ensures targeted assistance but also fosters a spirit of mutual cooperation that strengthens long-term social resilience.

Optimizing human resource (HR) performance through a business process reengineering (BPR) approach is a crucial strategy in a competitive and dynamic industrial environment. This study qualitatively examines through a literature review how BPRs radically redesign business processes to improve productivity, quality, time efficiency, and reduce operational costs, with a focus on HR aspects such as recruitment, training, performance appraisal, and career development. The BPR theory by Michael Hammer and James Champy emphasizes the principles of results-based workflow reorganization, the integration of information technology such as ERP and AI, and the empowerment of HR to eliminate task redundancy. In the Indonesian industrial context, the integration of BPR with digital transformation supports Industry 4.0, where HR acts as a catalyst for innovation through adaptive skills and cross-functional collaboration. The study results show that BPR implementation strategies including as-is process analysis, to-be design, change management, and continuous evaluation increase employee motivation, retention, and sustainable competitive advantage. Case studies such as PT Telkom Indonesia and PT Cahaya Mega Group demonstrate efficiency increases of up to 100%. This approach not only streamlines operations but also builds an organization resilient to market and technological disruption.

Ethical leadership is a crucial foundation for building an organizational culture of integrity, especially in this era of technological disruption and socio-economic complexity. This study examines how ethical leadership is implemented at Kopdit Bintang Timur, a credit union in Sikka Regency, to shape an organizational culture of integrity. Employing a descriptive narrative method with interview and observation techniques targeting managers and deputy managers, this research finds that ethical values such as honesty, fairness, and mutual cooperation are instilled through leader role modeling, transparent financial management, and active member participation. Key challenges include the difficulty of maintaining ethics amidst personal interests; however, routine oversight systems and fair complaint handling help to maintain integrity. The results indicate that ethical leadership contributes to member trust and organizational sustainability. Recommendations for development include formal ethics training programs and the utilization of technology to enhance transparency.

The rapid development of digital technology and social transformation in the disruption era has significantly influenced adolescent moral development. Families, particularly mothers, play a crucial role in strengthening spiritual values as a moral foundation for children. This community service activity aimed to enhance mothers’ spiritual awareness and parenting capacity in facing moral degradation challenges among adolescents. The program was conducted on January 27, 2026, in RT 3 RW 6 Gondoriyo Village, Ngaliyan District, Semarang, involving ten mothers through interactive lectures and participatory discussions. The results indicate an increased understanding of spirituality not only as religious ritual practice but also as a meaning-making system that guides daily moral behavior. Participants developed critical awareness of digital disruption challenges and recognized their strategic role as moral role models in the family. The activity also generated practical community-based strategies such as strengthening family communication, regulating digital media use, and establishing regular spiritual reflection sessions. This community service demonstrates that empowering mothers through spiritual reinforcement can serve as a preventive approach to adolescent moral degradation and contribute to building resilient and morally grounded future generations.