This research aims to fill the knowledge gap by understanding that strategic resources such as collaboration networks, technology digitalization, and financial literacy contribute to improving performance through financial and business competencies and resilience in the perspective of a Resource-Based View (RBV). The study was conducted in Malang Raya, which has a dynamic agro-tourism area but is facing market pressure and high competition. It involved 50 chip MSME players who have been operating for at least two years. The research method uses the SEM-PLS on seven main variables: collaboration network, digitalization, financial literacy, competence, financial resilience, business resilience, and business performance. The results show that the three main resources have a significant effect on performance improvement, either directly or through strengthening competence and resilience. This research provides a theoretical contribution by expanding the application of RBV in the context of traditional food MSMEs, as well as presenting an integrative model to improve the competitiveness of MSMEs. Further research is recommended to explore external variables such as regulation and the dynamics of the growing digital market.

A state-owned insurance company owned by a State-Owned Enterprise (BUMN) with indications of losses of 13.7 trillion which had a systemic impact on the Indonesian economy. The negative stigma regarding insurance is so difficult to eliminate that it has an impact on public trust in the sharia insuranceindustry. PT. Bumiputera Sharia Life Insurance Kediri was affected by the national crisis-trust, the result in claims debt costs arised. The purpose of this research is to analyze the public relations strategy of PT. Bumiputera Sharia Life Insurance Kediri in maintaining customer trust. This research is qualitative type using descriptive analysis. The data taken is primary data and secondary data. This research uses case studies that obtain observation data on an object and from various sources such as books, scientific articles, official websites, and data reports on the objects studied. The results of this research explain that strategy public relations used by PT. Bumiputera Sharia Life Insurance, Kediri branch, namely making an apology, stopping marketing until the problem is resolved, encouraging a positive track record, and appointing an unofficial spoke person. The role of strategy public relations PT. Bumiputera Sharia Life Insurance, Kediri branch, still has customers who persist and regularly pay premiums, amounting to 96% of the total number of customers or 2,014 surviving customers.

This research aims to analyze the transparency of financial reports at PR. IPNU Desa Pepe Sidoarjo. Using a descriptive qualitative method, data was collected through semi-structured interviews, observation, and documentation. The results of this study indicate that PR. IPNU has implemented regular financial records, both manually through cash books and digitally with spreadsheets. All transactions are also supported by complete evidence that shows their commitment to the transparency of their financial reports.

Entrepreneurship plays a crucial role in driving economic growth, with individual entrepreneurial intentions serving as a key supporting factor. Despite this, student involvement in entrepreneurial endeavors remains relatively low. This research seeks to examine how emotional intelligence and self-leadership influence entrepreneurial intentions among students at the University of Lampung. Employing a quantitative method with a causal approach, the study gathered primary data through questionnaires distributed to 183 sixth-semester students across various faculties. The research instruments underwent validity, reliability, and normality testing, and the data were analyzed using multiple linear regression. The findings confirmed the proposed hypotheses. Based on these results, the study recommends that higher education institutions, particularly the University of Lampung, implement character development initiatives and foster a positive student mindset. It also suggests creating more opportunities for reflection and open dialogue, incorporating problem-based learning models, and providing training in persuasive communication and soft skills. Furthermore, it emphasizes the importance of enhancing entrepreneurship curricula with practical experiences such as business incubators and simulations, while also improving student access to entrepreneurial support systems, including funding, mentoring, and market networks. These measures aim to boost student confidence in launching businesses and to strengthen the campus entrepreneurial ecosystem.

Financial statements are an important means of communicating financial information from accounting activities and assisting decision making. General Financial Accounting Standards are often considered too complex for entities without public accountability, so that SAK ETAP is present as a simpler solution. This study aims to analyze the application of SAK ETAP in presenting financial statements at the Nur Insani Sharia Savings and Loans and Financing Cooperative. The method used is descriptive qualitative with analysis of cooperative financial statement documents. The results of the study indicate that the cooperative has attempted to implement SAK ETAP, but several shortcomings were still found, such as incomplete notes on financial statements and inconsistencies in account classification. This study recommends improving staff understanding and completeness of reports according to standards to support transparency and accountability of cooperatives.

This program aims to empower children at the Tunas Bangsa Orphanage, Labuhanbatu Regency, by teaching creative skills in utilizing scrap fabric into products with sales value. In this activity, scrap fabric which is usually considered as textile waste will be processed into products such as scrunchies, hair bands, and bandanas that can provide economic opportunities for children in the orphanage. In addition, this program also aims to increase environmental awareness by teaching the importance of sustainable textile waste management and environmental ethics. This training is complemented by the values ??of Citizenship Education (PKN), such as social responsibility and mutual cooperation, which aim to shape the character of children who care about the environment and society. It is hoped that through this program, children can develop creative skills, foster a spirit of social entrepreneurship, and play an active role in preserving the environment. This program also opens up opportunities for them to achieve economic independence and contribute to a broader environmental conservation movement.

Predicting credit worthiness is an important step for banks to reduce the risk of bad credit. This research compares the performance of four classification algorithms, namely SVM, Naïve Bayes, Random Forest and Decision Tree using simulated datasets. The results obtained on the metrics of accuracy, precision, recall, F1 score, and AUC-ROC, show that Decision Tree has the best performance with 42.5% accuracy, 48.3% precision, 47.5% recall, 47.5% F1 score, and AUC 0.60, indicating its ability to is in differentiating credit worthiness. Random Forest achieved an accuracy of 37.5% and an AUC of 0.493, while Naïve Bayes had the lowest accuracy with an accuracy of 27.5% and an AUC of 0.425. SVM gives better results than Naïve Bayes but is still inferior to Decision Tree. This research recommends implementing a Decision Tree as the main model with optimization through hyperparameter tuning, adding relevant features, and handling data accounting. These results are expected to support banking decision making more effectively and efficiently.

Penggunaan teknologi informasi dan komunikasi yang semakin masif di kalangan generasi muda, khususnya siswa SMK, menuntut pemahaman yang mendalam tentang regulasi yang berlaku. Penelitian ini bertujuan untuk meningkatkan kesadaran hukum siswa SMK N 1 Kisaran terkait Undang-Undang Informasi dan Transaksi Elektronik (UU ITE) sebagai bekal memasuki lingkungan perguruan tinggi. Kegiatan sosialisasi dilakukan melalui penyampaian materi, diskusi, dan tanya jawab. Hasil penelitian menunjukkan adanya peningkatan pemahaman siswa mengenai ketentuan UU ITE, terutama terkait etika berinternet, hak cipta, dan pencegahan tindak pidana siber. Diharapkan, sosialisasi ini dapat membentuk karakter siswa yang bijak dalam memanfaatkan teknologi dan meminimalisir pelanggaran hukum di kemudian hari.

This research aims to analyze the implementation of the Project for Strengthening the Pancasila Student Profile (P5) in shaping the cultural character of seventh-grade students at SMPN 1 Buay Pemuka Peliung. The primary focus of the research is to evaluate the forms of P5 activities, such as batik-making and folklore writing, and to identify the supporting and inhibiting factors in their implementation. The results show that the P5 activities have effectively helped students understand and appreciate local culture and enhanced teamwork skills through group activities. Overall, P5 has significantly contributed to make stronger cultural character among students, although challenges such as time constraints and limited resources were encountered.

The Merdeka Learning Campus Merdeka Program, also known as MBKM, is an activity that provides students with the opportunity to learn outside the classroom, one of which is teaching assistance. This paper aims to describe the activities conducted by students of Universitas Bina Darma Palembang in community service by implementing learning through the viewing technique in the Indonesian language subject for 11th grade students in the Merdeka curriculum. Through learning with the viewing technique, it is expected that students will be able to answer, summarize, and understand the intrinsic and extrinsic elements of the short story Tukang Cukur by Budi Darma. This Community Service (PkM) activity was conducted in the form of learning, counseling, and training. The PkM activity took place at SMA Arinda Palembang with 20 students. The method used in this activity was qualitative descriptive with data collection techniques of observation, note-taking, and documentation. After conducting learning on the short story Tukang Cukur by Budi Darma with the viewing technique in the 11th grade IPA class at SMA Arinda Palembang, positive results were observed. The majority of students were able to understand the content of the story, answer questions correctly, and improve their critical thinking skills, as well as their appreciation for literary works.