Retail investment in emerging markets has experienced rapid growth, driven by technological advancements and increasing public awareness of financial management. However, behavioral biases often influence retail investment decision-making, such as overconfidence and herding, which can undermine portfolio performance. This study aims to identify the key behavioral biases affecting retail investors' decision-making in emerging markets and analyze their impact on investment performance. A mixed-methods approach was employed, combining a quantitative survey of 200 retail investors with in-depth interviews to gain qualitative insights. The results reveal that overconfidence bias dominates, with a prevalence of 70%, followed by herding bias at 50%, anchoring at 40%, and loss aversion at 60%. Overconfidence bias showed a significant positive correlation with investment returns (r = 0.65, p < 0.01), while herding (r = -0.48, p < 0.03), anchoring (r = -0.35, p < 0.05), and loss aversion (r = -0.60, p < 0.02) had negative impacts on portfolio performance. This research contributes to the behavioral finance literature by highlighting the unique conditions of emerging markets, such as low financial literacy and limited access to information, which exacerbate the effects of behavioral biases. As a practical implication, the development of behavioral finance-based educational programs is recommended to help investors understand and manage these biases. Furthermore, future research is encouraged to explore the use of alternative data, such as social media, to monitor behavioral trends in real-time

The role of the financial sector in the economy is very large and continues to grow to meet people's needs. Financial technology or (fintech) is a term used to describe innovation that occurs in the financial sector. The use of financial technology in micro, small and medium enterprises (MSMEs) in Tembalang District aims to measure how the application of financial technology has an impact on the growth and competitiveness of MSMEs in the area. This research involves a survey of a number of small and medium enterprises (MSMEs) that have adopted various fintech services, such as technology-based financial management and digital payments. This research was conducted to identify changes in operational efficiency, access to capital, and competitiveness of MSMEs in Tembalang District. The results of this research are expected to provide an in-depth picture of the extent to which the use of fintech has supported the growth and demand of MSMEs in Tembalang District as well as provide policy recommendations to increase the role of fintech in supporting the MSME sector.

The purpose of this study is to determine the effect of audit tenure, firm size and firm age on audit delay. The research covers 48 real estate companies on the Indonesia Stock Exchange from 2019 to 2021, purposive sampling techniques. By using the SPSS v24 tool to perform multiple linear regression analysis. The statistical results obtained by the tenure audit and the size of the company are not significant factors affecting the audit delay. Only the age of the company is significant on the audit delay

The digital transformation driven by advances in Artificial Intelligence (AI) technology has reshaped the media industry landscape in Indonesia. Although many media companies have adopted AI to enhance content efficiency and relevance, challenges in integrating this technology remain a significant issue. This research aims to explore the impact of AI implementation on the production, distribution, and consumption of media content in Indonesia, while also identifying the challenges and opportunities the industry faces. The methodology employed in this study is a case study approach, involving an analysis of several prominent media platforms in Indonesia, such as Kompas.com and Detik.com. Data were collected through interviews with industry practitioners and content analysis of published materials. The findings indicate that AI implementation has improved content personalization and operational efficiency but has also raised concerns about user privacy and the social implications of automation. The conclusions of this study underscore the importance of developing balanced strategies to harness AI's potential while addressing emerging ethical and social challenges. This research provides practical recommendations for stakeholders in the media industry to effectively and sustainably integrate AI into their operations.

The rise of Industry 4.0 has introduced significant transformations in business operations, with Artificial Intelligence (AI) playing a central role in automating processes, enhancing decision-making, and improving efficiency. However, despite its potential, many organizations face critical challenges in implementing AI, particularly in terms of technological infrastructure readiness, workforce capabilities, and ethical considerations. This research aims to identify the challenges and propose effective strategies for AI implementation in business processes, particularly within the context of Industry 4.0. A systematic literature review (SLR) was employed to analyze peer-reviewed studies that discuss AI integration across various industrial sectors. The findings indicate that the primary challenges include the integration of AI with existing legacy systems, data privacy concerns, and employee resistance due to the perceived threat of automation. Additionally, the lack of adequate training and infrastructure investment further hampers AI adoption. In response, the research highlights strategies such as upgrading technological infrastructure, continuous employee training, and the development of clear ethical guidelines to address these challenges. The research contributes by providing a comprehensive framework for businesses to successfully navigate AI implementation, offering a novel perspective on balancing technological advancements with human resource development and ethical concerns, essential for long-term business sustainability in the digital era

This research was conducted with the aim of determining the impact of Electronic Word of Mouth on demand for food purchases using Go-Food with brand trust as an intervening variable. The sample in this study was 100 respondents obtained through a sampling technique using the simple random sampling method. The data collection method uses a questionnaire which is announced to respondents after which the data results are processed using SEM (Structural Equation Modeling) which is used in the SmartPLS V.4 analysis test. The results of this study show that the impact of electronic word of mouth has a positive effect on purchase intention, while brand trust has no effect on electronic word of mouth and interest in purchasing food using Go-Food among Uin Walisongo Semarang students.

Differences in previous research regarding the influence of liquidity and company size on a company's capital structure. The focus of this research is to examine and analyze how liquidity affects the capital structure of a company. Apart from that, it will also be analyzed how company size affects the capital structure of the same company. This research focuses on testing and analyzing how liquidity and the size of a company affect the structure of a company's capital. A technique where multiple linear regression is used to process data using this technique to estimate the value of the dependent variable using multiples of the independent variables. Liquidity has a positive and significant influence on the structure of a company's capital. 2. The size of a company has a positive and significant influence on the structure of a company's capital.

Dalam tahun tahun terakhir ini  teknologi informasi dan komunikasi (TIK) telah memasuki seluruh elemen kehidupan, yang menyebabkan perubahan pada pola kehidupan sosial dan ekonomi, dan juga pada bidang pendidikan. TIK telah meresap memasuki kehidupan sehari-hari, dan penggunaannya menjadi persyaratan mendasar dalam proses  pendidikan yang bermutu. Pendidikan yang bermutu sendiri akan terjamin oleh guru-guru yang berkompeten di bidangnya . IN HOUSE TRAINING (IHT) dalam rangka PENINGKATAN KOMPETENSI GURU  pada lembaga SDIP H.M Subandi Kab. Semarang ditujukan  dalam usaha peningkatan  kinerja dan performa para guru di SDIP H.M Subandi Wilayah Kab. Semarang. Kegiatan ini didasarkan dari hasil observasi yang menunjukkan masih minimnya pengetahuan di bidang Teknologi Informasi yang dimiliki  Kepala Sekolah setempat beserta Guru tentang teknologi informasi, khususnya terkait kesulitan dalam pembuatan soal-soal secara Online atau CBT. peserta pelatihan merasa terpuaskan dengan adanya Program In House Training (IHT) Peningkatan Kompetensi Guru Dalam Pemanfaatan IT ini  karena melalui program ini mereka telah dapat mempraktekkan dalam pelatihan dan telah menguasai pengaplikasian ilmu yang diperoleh  dalam materi pelajaran dalam upaya meningkatkan skill dan performa guru   dalam menggunakan Teknologi Informasi.
 
 

Politeknik Industri Furnitur dan Pengolahan Kayu mempunyai tugas menyelenggarakan program pendidikan vokasi di bidang Industri Furnitur dan Pengolahan Kayu. Polifurneka berdiri pada tahun 2018. Kurikulum pada program studi MBIF ini memiliki matakuliah yang juga merupakan rumpun ilmu dari Ilmu Komputer salah satunya adalah Perdagangan Elektronik (E-Commerce). Pelaksanaan Pengabdain dilakukan dengan pembelajarn daring memalui Zoom ataupun Google meet yang dilaksanakan sebanyak 16 pertemuan. Dengan adanya program mengajar ini diharapkan dapat membantu program studi mbif dalam pengajaran matakuliah tersebut dikarenakan Tenaga pengajar pada prodi tersebut belum ada dari ilmu Komputer sehingga dengan adanya program mengajar pada pengabdian masyarakat ini dapat membantu prodi MBIF mencapai tujuan dari pembelajara matakualiha dari E-Commerce. Pada setiap pertemuan dilakukan sesi tanya jawab dan metode diskusi interaktif, dan sebagai salah satu evaluasi dari kegiatan pengabdian Masyarakat adalah dengan memberikan project untuk dapat mengukur pemahaman mahasiswa terkait materi yang sampaikans selama kegiatan pengabdian, pada akhir kegiatan Pengabdian Masyarakat ini peserta merasakan manfaat kegiatan ini, dan berharap dapat menerapkannya dalam proses kegiatan belajar dan mengajar nantinya.

As a sharia microfinance institution that has a function as developing productive businesses and investments to improve the quality of micro, small and medium enterprises, this study aims to examine the effect of variable capital financing, length of business and own capital on the income of customers who are members of the Sharia Financing Savings and Loans Cooperative Baitul Mal wa Tamwil Nurul Barokah Klego branch, Boyolali regency. They are micro, small and medium enterprises (MSMEs), the population in this study is 108 with a sample of 52 respondents. Analysis techniques use multivariate regression analysis and use instrument tests which include validity and reliability tests, and descriptive statistical tests of respondents based on sex, based on age, and classical assumption tests include normality tests, multicolleniarity tests, heterokedasticity tests, and multiple linear regression analysis and model permanence tests including coefficients of determination, and hypothesis testing includes t tests, F tests. The results showed that only own capital had a positive effect on MSME income, while capital financing and long time did not affect MSME income, because financing members often took advantage of capital loans not in accordance with loan agreements and lack of innovation to see consumer interest so that it stagnated.