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The advancement of financial technology has resulted in the creation of electronic wallets that serve not only as payment instruments but also as platforms for electronic transactions and digital loan services. This situation engenders a conflict between the implementation and the prevailing regulation, specifically Bank Indonesia Regulation Number 18/40/PBI/2016 regarding Payment Transaction Processing, which raises concerns about legal certainty and user protection, particularly in relation to the delineation of supervisory authority between Bank Indonesia and the Financial Services Authority. This research aims to elucidate the regulation of electronic wallets in terms of legal clarity, legal protection, and oversight by the Financial Services Authority and Bank Indonesia concerning the adoption of electronic wallets. This study employs a normative legal methodology. Data is derived from secondary sources, encompassing primary, secondary, and tertiary legal literature. This study employs both a legislative and a conceptual methodology. The research findings suggest that the regulation of electronic wallets, as per Bank Indonesia Regulation, has not entirely met user requirements. Bank Indonesia Regulation Number 18/40/PBI/2016, on the Implementation of Payment Transaction Processing, does not explicitly address legal certainty and legal protection for users who deposit funds or utilise digital loan services on electronic wallets. This situation establishes a disparity between regulatory implementation and governing rules, which may result in insufficient oversight of electronic wallet operations and a discord of authority between Bank Indonesia and the Financial Services Authority regarding the supervision of financial transactions in Indonesia.

In addition to being programmatically successful in lowering TFR and slowing population growth rates, the Long-Term Contraceptive technique (MKJP) is an affordable technique of preventing conception. This study's objective was to examine variables associated with long-term contraceptive (MKJP) selection at the Gandasuli Community Health Center. The study design is cross-sectional and the research methodology is quantitative. The investigation was carried out in the workspace of the Gandasuli Community Health Center. 300 women of reproductive age made up the study's population, and a straightforward random selection procedure was used to choose 45 participants. A questionnaire was used to gather the data, which were then subjected to univariate and bivariate analysis using the Chi-Square statistical test. Age and MKJP choice did not correlate, according to the data (p- value = 0.09 > 0.05). The choice of MKJP was correlated with education (p-value = 0.003 < 0.05). The choice of MKJP was correlated with occupation (p-value = 0.003 < 0.05). The choice of MKJP and the husband's support are related, with a p value of 0.004 < 0.05. Parity and MKJP selection are related, with a p value of 0.003 < 0.05. Knowledge and MKJP selection are related, with a p-value of 0.003 < 0.05.

Inequality in Indonesia remains significant, particularly due to the concentration of wealth among high-net-worth individuals (HNWIs). Emphasizing the importance of addressing this disparity can motivate policymakers to pursue equitable solutions, thereby promoting social justice through wealth taxation. Using a literature review and an empirical legal approach, this research analyzes relevant regulations, policy discussions, and academic literature on wealth taxation in Indonesia. The study also evaluates institutional readiness and potential challenges in implementing such a policy. The results indicate that the wealth tax has considerable revenue potential, ranging from IDR 54 trillion to IDR 155.3 trillion, depending on the tax model applied. Highlighting this potential can empower policymakers and foster optimism about the tangible benefits of implementing such a policy.

Postpartum depression is a mood disorder that occurs in mothers after childbirth, with symptoms that can appear from pregnancy until 4 weeks postpartum. This condition negatively impacts the psychological health of the mother and the development of the baby. This study aims to analyze factors associated with the risk of postpartum depression. The method used was quantitative with an analytical survey design through a cross-sectional approach. Data collection was carried out using the Edinburgh Postnatal Depression Scale (EPDS) questionnaire consisting of 10 questions. The results of the validity test showed a calculated r value of > 0.3610 and the reliability test obtained a Cronbach's alpha value of 0.67. The study sample consisted of 42 respondents selected using a total sampling technique, with inclusion criteria of mothers aged ≥18 years, in the period <6 weeks postpartum, and willing to be respondents. Data analysis used the chi-square test. The results showed that all variables had a significant relationship with the risk of postpartum depression (p < 0.05). These variables include age (p=0.040), education (p=0.018), occupation (p=0.011), history of depression (p=0.024), complications (p=0.017), economic status (p=0.048), parity (p=0.016), type of delivery (p=0.006), husband's support (p=0.000), and family support (p=0.028). Therefore, it can be concluded that demographic, obstetric, and social support factors play an important role in the risk of postpartum depression. These results are expected to form the basis for prevention efforts and early intervention to improve postpartum maternal mental health.

In general, infrastructure development requires materials from nature and one of them is natural coarse aggregate of crushed stone. The rapid development of infrastructure in Indonesia has resulted in the depletion of the natural coarse aggregate. Therefore, other efforts are needed in terms of using coarse aggregate as a construction material. So in this study the aim is to make artificial coarse aggregate made from fly ash. The results showed that this artificial coarse aggregate met the requirements of the General Specifications of Bina Marga 2010 rev 3 as a construction material, namely for an abrasion value of 40% and water absorption of 3%. In this study, 5 types of comparisons were carried out, namely, 70:30%, 60:40%, 50:50%, 40:60%, 30:70 and for the type of composition comparison 70:30% (70% fly ash:30% cement). ) the abrasion value is still below 40%, and the amount of water absorption is below 3% so that this artificial coarse aggregate still meets the standard specifications of General Highways 2010 rev 3. Based on the price comparison that has been made between artificial coarse aggregate and natural coarse aggregate of crushed stone , shows a price disparity of Rp. 35,779 - Rp. 58,779. Thus, this artificial coarse aggregate is one solution that can be developed to reduce the environmental impact due to the presence of fly ash which is quite abundant in Indonesia.

This study identified the use of abbreviations in Medical Treatment Consent Forms (SPTK) at X Hospital Indonesia. A quantitative cross-sectional descriptive approach was applied to 76 SPTKs in September 2024, and questionnaires were administered to 30 patient-responsible physicians (DPJP). The results showed that 75% of SPTKs contained abbreviations, even though 97% of respondents understood the risk of miscommunication to patient safety. The state of the art includes accreditation standards that prohibit the use of abbreviations in informed consent, with global orthopedic studies reporting a decrease from 54% to 22% after educational interventions, as well as Indonesian regulations, namely Peraturan Mentri Kesehatan (Permenkes) Republik Indonesia No. 24/2022, which emphasizes that medical records must be complete. The novelty lies in the first empirical analysis in Indonesian hospitals to reveal the disparity between high physician knowledge and low documentation compliance, contributing to the development of evidence-based monitoring for patient safety. These findings support recommendations for daily review of SPTK, ongoing socialization, and integration of digital checklists to reduce medical errors.

Modern retail expansion in Situbondo Regency has intensified competitive interaction with traditional markets, making it important to map differences in market structure, firm conduct, and performance outcomes. This study compares (i) market structure using concentration indicators (CR4 and the Herfindahl–Hirschman Index/HHI), (ii) competitive conduct (pricing practices, promotional intensity, service attributes, and relationship patterns), and (iii) performance proxies (sales turnover and selected price efficiency measures) within the SCP framework. The analysis applies a descriptive quantitative approach supported by targeted primary observations and questionnaire-based information, and complemented by official statistics and regulatory documents. Traditional-market samples include Panji, Besuki, and Panarukan markets, while modern-retail samples include local outlets of Indomaret, Alfamart, and Basmalah. Results indicate that traditional markets are relatively unconcentrated (CR4 = 38.0%; HHI = 744), consistent with a competitive structure dominated by many small vendors. Modern retail is more concentrated (CR4 = 77.0%; HHI = 1,644), suggesting moderate concentration and a tendency toward local oligopoly. Average monthly turnover per unit is higher for modern retail (IDR 36.36 million) than for traditional vendors (IDR 15.63 million). Price efficiency varies across commodities: some items show near parity, while several fresh commodities remain cheaper in traditional markets. Policy implications point to balanced local governance: zoning and permitting for modern stores, continuous revitalization of traditional markets, and strengthened MSME partnership schemes to ensure healthy and inclusive competition.