Pegadaian is one of the Islamic financial institutions in Indonesia that continues to expand its market share through various marketing strategies. This study aims to analyze the market penetration strategies implemented by Pegadaian and identify the efforts that can be made to increase customer interest. The research method used is descriptive qualitative with a literature study approach from various accredited national journals in the last five years, as well as document analysis related to Pegadaian marketing strategies. The results of this study reveal that Pegadaian market penetration strategy is carried out through the optimization of digital promotion, the development of innovative products and services, and the improvement of financial literacy in society. Digital promotion strategies are carried out by utilizing social media and other online platforms to increase product awareness and education to the general public. In addition, product development such as Arrum Haji and Tabungan Emas has become an effective innovation in meeting market needs. Pegadaian is also actively conducting financial education through seminars, workshops, and outreach programs as a form of improving financial literacy and customer loyalty. These three strategies have consistently proven to attract new customers, increase loyalty, and strengthen Pegadaian position amidst the competition in Islamic financial institutions. This research contributes to enriching the study of marketing strategies for Islamic financial institutions, particularly in the pawnshop sector. The novelty of this research lies in the systematic and detailed mapping of Pegadaian market penetration strategies based on the latest literature.

The Covid19 pandemic had a major impact on the weakening of Indonesia's economic sector, including Small, Micro and Medium Enterprises (MSMEs). The MSME sector is one of the sectors that makes a major contribution to the national economy so it needs to rise during the current Covid19 pandemic. Jambewangi Village is a village located in Sempu District, Banyuwangi Regency, East Java Province. The area of Jambewangi Village is 1,422 Ha / m2 divided into six hamlets including Krajan Hamlet, Panjen Hamlet, Parastembok Hamlet, Sumberjo Hamlet, Tlogosari Hamlet, and Sidomulyo Hamlet. In Jambewangi Village, it has an interesting landscape, such as a homogeneous forest in the form of pines, the confluence of tributaries with branches, a large expanse of rice fields, as well as fields and plantations. The area of Jambewangi Village is at an altitude of 340-800 masl so it has cool air and is good for growing various kinds of fruits and vegetables.

Many regions in Indonesia face structural problems such as economic inequality. Economic inequality remains a significant obstacle to the development process, especially in developing countries such as Indonesia. The objective of this study is to determine the influence of Unemployment Rate, Education Index, and Poverty Rate on Economic Inequality in East Java Province. This study employs a quantitative method using secondary data analysis from the Central Bureau of Statistics (BPS) for the years 2010–2023. The analysis method used is multiple regression with classical assumption tests. The results of the study indicate that the Education Index and Percentage of Poor Population variables have a significant and positive impact on economic inequality, while the unemployment rate has a significant but negative impact on economic inequality in East Java Province. These findings suggest the need for further analysis of other factors influencing economic inequality to achieve equitable welfare for the community. The implications of this study can serve as a reference for the government in formulating inclusive development policies to reduce economic inequality in East Java.

Case study research is one of the methodologies in qualitative research that seeks to investigate phenomena comprehensively in a real-world context. This paper provides a comprehensive discussion of case study research design, covering various aspects ranging from definitions and types to the steps involved in implementation. Various types of case studies are explained based on expert opinions, including intrinsic, instrumental, and collective case studies, along with classifications of explanatory, exploratory, descriptive, and others. Furthermore, the systematic phases involved in conducting case study research are detailed, including problem formulation, data collection and analysis, and reporting of results. Focus on the use of triangulation techniques and contextual approaches are essential to ensure the validity of findings. By gaining an in-depth understanding of this design, it is hoped that students and researchers will be able to design case studies appropriately and make significant scientific contributions.
                                                                                                                                       
 
 

This study aims to examine the effect of Return on Assets (ROA) and Return on Equity (ROE) on stock prices of agro-industrial companies listed on the Indonesia Stock Exchange (IDX) during the post-Covid-19 economic recovery period, specifically from 2021 to 2023. The research method used is a quantitative approach with a causal associative type. The data used are secondary data from annual financial statements and year-end stock prices. Data analysis was conducted using multiple linear regression with classical assumption tests to ensure model validity. The results indicate that ROA and ROE have both simultaneous and partial effects on stock prices. ROA demonstrates a stronger influence compared to ROE, suggesting that asset management efficiency is a key determinant of stock value in agro-industrial firms during the economic recovery period.

To achieve optimal funding, an effective marketing strategy is needed for the success of the company. The Boston Consulting Group (BCG) Matrix functions as an analytical tool designed to improve performance through mapping between units based on growth rates and relative market share. This research is a field study with a qualitative descriptive approach. The focus of this study is the daily products of KSP Gunung Slamet Ajibarang Branch. The data collection methods applied by the researcher consist of observation, structured interviews, and documentation. The findings of this study describe the product position and strategies that can be implemented by considering market growth and existing market share. Daily products are in the cash cow category with market growth of 6.66% and a relative market share of around 1.10. Strategies that can be implemented include increasing productivity and quality to ensure competitiveness and provide value to consumers.

This study aims to evaluate the performance of KSP Satria B Cilongok using the Malcolm Baldrige Framework for Performance Excellence. The research employed a qualitative descriptive approach with data collected through direct observation and in-depth interviews with the cooperative’s leadership on May 4, 2025. Analysis was conducted based on seven categories within the Malcolm Baldrige Excellence Framework. Findings indicate that KSP Satria B Cilongok has implemented visionary leadership, customer-focused service, data-driven management, and effective risk and workforce management. The cooperative’s performance continues to improve, demonstrated by stable growth in members, net income (SHU), and transaction volume. Furthermore, adherence to organizational ethics and transparency has been a key factor in building member trust. This study contributes by integrating the Malcolm Baldrige principles into the management of small to medium-sized savings and loan cooperatives in Indonesia, presenting a novel application of the framework in the local context

The purpose of this research is to describe the development process of Student Worksheets based on cryptarithm that can enhance logical thinking abilities and to determine the validity and practicality results of the developed product. Cryptarithm is a means to develop students' logical thinking skills in the context of mathematics. The logical structure in cryptarithm encourages students to develop logical thinking skills. Students must be able to identify mathematical patterns and use logic to limit the possibility of substituting numbers for existing letters. This research is a development study using the R&D method. The development model used is ADDIE, which includes analyze, design, development, implementation, and evaluation. The testing was conducted in two stages: a limited trial with 5 students and a broad-scale trial with 20 students. The research results indicate that the student worksheets is valid with a percentage score of 98.33% and can be considered practical for use by students as an effort to improve mathematical logical thinking abilities, with a practicality score of 87.13%. Based on these results, it can be concluded that the Cryptarithm-based student worksheets developed to enhance mathematical logical thinking abilities is categorized as Highly Valid and Highly Practical

The values contained in folklore such as patriotism and non-patriotism values of Si Pitung story have an important role in character education and literature learning. This research aims to analyze the values of patriotism and non-patriotism in the folklore of Si Pitung, as well as its implementation in literary education. The location of this research is Tanjung Priok, North Jakarta. The subjects of this research are Si Pitung as the main character and Mr. Salasa Dharma Utama as a historical figure. The research method used is descriptive qualitative research method. The results of this research are patriotism values contained in the folklore of Si Pitung are love for the country, self-sacrifice, courage, never give up, volunteerism, and justice and equality. While the non-patriotism values contained in the folklore of Si Pitung are violence, criminal, and betrayal. The patriotism and non- patriotism values of Si Pitung folklore can be implemented in literature learning through several learning methods, namely analysis model, inductive model through class discussion, strata mode, synectic model, sociodrama model, and presentation.

This research seeks to analyze the impact of audit committee features on the financial performance of healthcare entities listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023.  The analyzed parameters include audit committee size, independence of the audit committee, skill of the audit committee, and frequency of audit committee meetings.  Return on Assets (ROA) serves as a critical performance metric, with business size and the COVID-19 criteria accounted for.  This study utilizes a quantitative approach using panel data regression analysis on a sample chosen by purposive sampling methods.  This research is driven by notable variations in Return on Assets (ROA) throughout the healthcare industry and a financial reporting controversy concerning PT Indofarma Tbk.  The findings indicate a substantial and noteworthy impact of audit committee size and independence on financial performance.  In contrast, the experience of the audit committee and the frequency of meetings have no substantial influence.  These results highlight the need of harmonizing structural characteristics and efficient supervision within the audit committee for good corporate governance.  The research provides actionable insights for regulators and corporate management in enhancing the functions of audit committees.