Pegadaian Syariah CPS Arief Rahman Hakim is a sharia financial institution engaged in financial services and other services that have main products of pawn financing and micro financing. This study aims to determine the Strategy and Obstacles of PT Pegadaian Syariah CPS Arief Rahman Hakim in providing convenience for customers to transact, and to find out how the public responds and interests in digital pawn service products. The approach to this research is Qualitative descriptive, with data collection methods, namely: interviews as supporting using documentation studies in accordance with the problems discussed. The results of the study concluded that PT Pegadaian Syariah CPS Arief Rahman Hakim implemented a strategy to provide convenience for customers in transacting using digital pawn products. PT Pegadaian Syariah CPS Arief Rahman Hakim is also still lacking in socialization, causing many local people who do not know about the existence of the digital pawnshop sharia product. The obstacles faced by PT Pegadaian Syariah CPS Arief Rahman Hakim in increasing the number of customers using digital products are triggered by the application system which often errors, do not have smartphones and prefer to come directly to the outlet.

The COVID-19 pandemic has drastically changed the way people communicate, especially in the world of education. Learning that previously took place face-to-face has shifted to a virtual system in response to government policies regarding social distancing. This study aims to examine the culture of virtual communication during the COVID-19 pandemic using a literature study approach and secondary data analysis from various trusted sources, including national journals. The results of the study show that virtual communication has become an important part of the learning process during the pandemic. Various platforms such as Zoom Meetings, Google Classroom, and Google Meet are widely used by educators and students to support interaction and the effectiveness of the teaching and learning process. This study also highlights changes in communication patterns, challenges faced by users, and the importance of technological readiness and digital literacy in supporting effective virtual learning during a crisis such as a pandemic.

<p>Penelitian ini bertujuan untuk mengetahui pengaruh bauran pemasaran 4P seperti <em>Product, Price, Promotion, Place</em> terhadap Keputusan Pembelian pada UMKM. Metode penelitian ini menggunakan penelitian kuantitatif dengan analisis statistik deskriptif. Populasi penelitian ini adalah konsumen yang pernah membeli UMKM Donat Kentang Syifa di Setia Budi Kota Medan. Peneliti menggunakan teknik <em>non-probability sampling</em> dengan metode <em>accidental sampling</em>, menggunakan rumus Cochran dengan jumlah sampel sebanyak 99 responden. Lokasi penelitian di UMKM Donat Kentang Syifa Setia Budi Medan. Penelitian ini menemukan bahwa (1) Bauran pemasaran 4P berpengaruh signifikan secara simultan terhadap keputusan pembelian. (2) Produk berpengaruh positif terhadap keputusan pembelian pada UMKM Donat Kentang Syifa, Setia Budi. (3) Harga tidak berpengaruh terhadap keputusan pembelian pada UMKM Donat Kentang Syifa Setia Budi. (4) Promosi tidak berpengaruh terhadap keputusan pembelian pada UMKM Donat Kentang Syifa Setia Budi. (5) Tempat tidak berpengaruh terhadap keputusan pembelian pada UMKM Donat Kentang Syifa Setia Budi. Hal tersebut disebabkan konsumen mengabaikan Harga, Promosi, Tempat dari produk yang dikonsumsinya.</p><p><em>This study aims to determine the influence of the 4P marketing mix on Purchasing Decisions at MSMEs, such as Product, Price, Promotion, and Place. This research method uses quantitative research with descriptive statistical analysis. The population of this study was consumers who had purchased the Syifa Potato Donut UMKM in Setia Budi, Medan City. Researchers used a non-probability sampling technique with the Accidental Sampling method, using the Cochran formula with a total sample of 99 respondents. The research location is at the Syifa Setia Budi Potato Donuts MSME, Medan. This study found that (1) 4P Marketing mix has a significant effect simultaneously on purchasing decisions. (2) Product positively affects purchasing decisions at MSME Donut Potatoes Syifa, Setia Budi. (3) Price does not affect purchasing decisions at MSME Donut Potatoes Syifa, Setia Budi. (4) Promotion does not affect purchasing decisions at MSME Donut Potatoes Syifa, Setia Budi. (5) Place does not affect purchasing decisions at MSME Donut Potatoes Syifa, Setia Budi. Consumers OF Donut Potatoes Syifa ignore prices, promotions, and places of the products they consume.</em><em></em></p>

ABSTRAK  Tujuan dari penelitian ini adalah untuk mengidentifikasi dan menganalisis apakah Pendapatan Asli Daerah, Dana Alokasi dan bantuan pemerintah dapat meningkatkan indeks pembangunan manusia. Metode analisis yang digunakan adalah regresi berganda dengan melakukan metode uji asumsi klasik sebelum mengumpulkan model penelitian terbaik. Sampel penelitian adalah 15 kabupaten / kota di Provinsi Jawa Tengah. Data Indeks Pembangunan Manusia diperoleh dari Lembaga Pusat Statistik Indonesia. Hasil penelitian ini menyimpulkan bahwa Pendapatan Asli Daerah serta Dana Alokasi berpengaruh secara simultan terhadap Indeks Pembangunan Manusia. Hasilnya konsisten dengan hipotesis penelitian. Hasil uji hipotesis secara parsial dapat diketahui terdapat pengaruh yang signifikan variabel pendapatan asli daerah dan dana alokasi terhadap peningkatan indeks pertumbuhan manusia.Kata Kunci : Pendapatan Asli Daerah, Dana Alokasi, Provinsi Jawa Tengah