The rapid advancement of digital technology has led to significant changes in how people conduct financial transactions, particularly the shift from cash payments to digital methods that are viewed as more efficient, faster, and safer. This study aims to analyze differences in the frequency of using three types of financial transactions cash, e-wallets, and bank transfers in daily life. A quantitative descriptive-comparative approach was applied, involving 47 respondents selected through purposive sampling. The instruments were tested for validity and reliability before analysis. Data were examined using the Friedman test to assess differences in usage frequency among the three methods. The findings show a significant difference in frequency, with e-wallets being the most used, followed by bank transfers, and then cash. These results suggest that people now prioritize convenience, speed, and accessibility in financial activities. The implications highlight the need for financial institutions and payment providers to enhance digital security systems and improve service accessibility. Small business operators are encouraged to adapt to changing consumer preferences that increasingly favor digital payments. Furthermore, improving digital financial literacy is essential to support broader financial inclusion. This study also provides recommendations for policymakers to expand access to digital financial services, especially for underserved communities.

Economic growth measures the achievement of the development of an economy from one period to the next. Theoretically, government spending allocated for the public interest and public welfare will encourage an increase in per capita income that is getting bigger from year to year. Investment is essentially also the initial step in economic development activities. This study aims to determine the Effect of Development Spending and Investment on Economic Growth in North Sumatra Province. The analysis technique used is data analysis in this study using a descriptive analysis method based on the descriptions that support the analysis. The results of this study indicate that partially the government spending variable has a significant negative effect on economic growth in North Sumatra Province with a significance value of 0.0030.05. Based on the results of the simultaneous test calculation, it is known that both government spending and investment variables simultaneously have a positive and significant effect on economic growth in North Sumatra Province with a significance value of 0.030.

This study aims to determine the effect of the number of MSME units and the labor force on economic growth (GRDP) in Gorontalo City. The study method used is quantitative, with data analysis techniques employing classical assumption test and hypothesis testing, and analyzing the data using multiple linear regression analysis with the assistance of IBM SPSS 21 software. The data used in this study include secondary data obtained from the Statistics of Gorontalo City and the Department of Manpower, Cooperatives, and MSMEs of Gorontalo City. This study consists of a dependent variable, which is the economic growth (GRDP) of Gorontalo City, and independent variables, which are the number of MSME units and the labor force during the period of 2020-2024. The results indicate that simultaneously, the variables of the number of MSME units and the labor force affect economic growth (GRDP) in Gorontalo City significantly. The variable of the number of MSME units, when considered individually, has a positive and significant effect onn economic growth (GRDP) in Gorontalo City. Meanwhile, the labor force variable has a positive and significant effect economic growth (GRDP) in Gorontalo City.

This research explores the impact of institutional ownership, managerial ownership, and the proportion of independent commissioners on firm performance, with earnings quality serving as a moderating variable. The study draws on a sample of companies that undertook Initial Public Offerings (IPOs) in 2019 on the Indonesia Stock Exchange, utilizing data spanning the years 2019 to 2023. A multiple linear regression model was employed to assess both direct effects and interaction effects moderated by earnings quality. The findings indicate that institutional ownership and the presence of independent commissioners exert a statistically significant influence on company performance, with earnings quality enhancing these relationships. This study enriches the discourse on corporate governance mechanisms within newly public firms and offers practical insights for both market regulators and investors.

This qualitative literature review explores the role of digital marketing and operational strategies in enhancing the performance of Micro, Small, and Medium Enterprises (MSMEs). Drawing on recent empirical studies, the review highlights how digital marketing adoption, product innovation, and operational efficiency contribute to increased sales, customer satisfaction, and competitiveness in MSMEs. The study synthesizes findings from various journals to identify effective marketing strategies and operational practices that are critical for MSMEs’ sustainability. Implications for managers include prioritizing digital platforms and integrating operational improvements to optimize growth. The review also identifies gaps for future research on tailored marketing and operational frameworks in diverse MSME contexts.

This study aims to analyze the influence of creativity and entrepreneurial knowledge on the development of entrepreneurial spirit among young people in the digital era, specifically students of the Faculty of Economics, Universitas Negeri Medan. Using a quantitative approach, data were collected through questionnaires and analyzed using SPSS. The results show that both variables, both partially and simultaneously, have a significant influence on the entrepreneurial spirit. Entrepreneurial knowledge prov
 

Using an econometric approach, this study attempts to assess and quantify how globalisation has affected the economy of developing nations. By boosting cross-border information flows, foreign investment, and international trade, globalisation has become a major force in changing the structure of the world economy. Its consequences on social inequality, wealth distribution, and economic stability are still complicated, particularly for emerging countries. This study examines how the Human Development Index (HDI), a measure of economic welfare, is related to the economic aspects of globalisation, including capital flows, technology, and international monetary policy. Finding correlations between globalisation variables and macroeconomic indicators in developing nations is done quantitatively using econometric methods, and both descriptive and inferential analyses are carried out to give a thorough picture of how globalisation has affected important economic sectors. influence on important economic sectors. According to research, globalisation has two opposing effects: on the one hand, it increases economic growth and efficiency through trade and technical development, while on the other, it makes inequality and reliance on international markets worse. These understandings are essential for creating egalitarian and flexible economic policies that can improve living standards in emerging nations. Additionally, the report suggests national policies to improve domestic sectors and promote sustainable human development in order to lessen the negative consequences of globalisation.

During the globalization age, culturally and ethnically diverse organizations are increasing. To overcome differences and create a harmonious and productive work environment, inclusive leadership is essential. In student organizations, leadership plays an important role in producing effective teams. In the context of the diversity of student organization members of STIE Mahardhika Surabaya, this study attempts to explain how inclusive leadership practices affect team performance. This study conducted a descriptive qualitative study involving observation, documentation, and in-depth interviews and research on two student organizations, UKM Jurnalistik and PMII. The study showed that an open inclusive leadership style in UKM Jurnalistik was able to increase two-way communication, member participation, and a sense of belonging to the organization, which had a positive impact on team performance. Meanwhile, a more structural but still inclusive leadership style in PMII was also able to increase two-way communication, member participation, and a sense of belonging to the organization.

Community service initiatives often struggle to meet the needs of beneficiaries. This study explores the application of Importance Performance Analysis (IPA) to improve the effectiveness of community service programs, using Solaria Restaurant’s customer service efforts as a case study. The research investigates the gap between beneficiaries’ expectations and their perceptions of delivered services.  Data is collected through surveys administered to a sample of Solaria Restaurant patrons who have benefitted from the restaurant’s community service programs.  By analyzing the importance and performance ratings provided by participants, the study identifies areas for improvement within Solaria’s service delivery. This research demonstrates the value of IPA as a tool for enhancing community service programs. By aligning service delivery with beneficiary expectations, organizations can maximize the impact of their efforts and create more meaningful community engagement.

Student work readiness is very important to face the dynamic world of work, students need to prepare for various challenges in the world of work, such as tight competition, high job demands, and rapid technological changes. This study aims to determine whether Self-Efficacy and Digital Skills partially and simultaneously affect Work Readiness to Face the Era of Society 5.0 in Islamic Banking Students of UIN Raden Fatah Palembang Class of 2021. The research method used is a quantitative approach. The sample in this study was 100 respondents with a sampling technique using random sampling with data measurement using a likert scale. Questionnaires were given to respondents and data analysis was carried out using SPSS 27 software. The results of this study indicate that partially the self-efficacy variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.001 < (?) 0.1, and the digital skills variable has an influence on the work readiness of islamic banking students with a significance value (sig) of 0.002 < (?) 0.1. Meanwhile, simultaneously, self-efficacy and digital skills have a positive and significant influence on the work readiness of islamic banking students with a significance value (sig) of 0.000 < (?) 0.1.
 

The purpose of this study is to examine the structure of economic performance and identify superior clusters in districts/cities in order to develop a basis for formulating effective regional development strategies. The methodology used is quantitative with a descriptive approach that includes analysis of location quotient (LQ), shift share and class typology. Secondary data comes from official institutions such as the Central Statistics Agency (BPS). The results of the study indicate that Sidoarjo has an advantage in the manufacturing sector (LQ 1.85) and is included in the category of advanced and rapidly developing regions. Lamongan stands out in the agricultural and fisheries sectors with significant growth, although its contribution to GDP is low, it is classified as a rapidly developing region. Gresik has a large and solid commercial sector, but its growth is still lagging behind the national average. Pasuruan is included in the lagging category because its education services sector has not become the mainstay of the economy. The cluster approach has proven successful in identifying regional potential and formulating data-based development policies. Cross-sector collaboration and responsive and supportive government policies are key factors in developing superior clusters that can accelerate regional economic growth in an inclusive and sustainable manner.

Industrialization is a key factor in the economic development of a country, including Indonesia. Since the New Order era, industrialization has become an integral part of national development strategies, marked by the growth of the industrial sector and the active involvement of state-owned enterprises (SOEs). This study aims to provide a comprehensive understanding of the concept of industrialization, its role in the economy, the development of the industrial sector in Indonesia, its impacts, and concrete examples of state-owned enterprises operating in the industrial sector. The method used is a literature review with a qualitative approach, focusing on synthesizing findings from various sources to gain deeper insight. The discussion results show that industrialization greatly contributes to economic growth and job creation, but it also brings negative impacts such as environmental pollution, consumerism, cultural value shifts, and uncontrolled urbanization. One example of a state-owned enterprise playing a major role in the industrial sector is PT Pertamina (Persero), which contributes to national energy security and the development of a sustainable energy industry. By understanding the dynamics of industrialization, it is hoped that Indonesia’s future economic development can achieve a better balance between growth and sustainability.

This study aims to analyze the effect of product arrangement on consumer purchasing decisions at Alfamidi Jl. Tuasan, Medan. Product arrangement is a crucial visual merchandising strategy in the modern retail industry to attract consumer attention and increase sales. The study used a quantitative approach with an associative method, involving 30 respondents selected through accidental sampling techniques. Data were collected using a questionnaire with a 5-point Likert scale and analyzed using simple linear regression with the help of SPSS version 25. The results showed that product arrangement had a positive and significant effect on consumer purchasing decisions with a coefficient of determination (R²) of 90.2%. The regression equation Y = 1.245 + 0.675X shows that every one unit increase in product arrangement will increase purchasing decisions by 0.675 units. The t-test produced a calculated t value of 16.071> t table 2.048 with a significance of 0.000 <0.05, confirming the research hypothesis. This finding confirms that product layout elements such as ease of access, visual appeal, and layout comfort play a vital role in influencing consumer behavior and increasing the effectiveness of retail marketing strategies.

This research explores the strategic positioning of Pegadaian UPC Ajibarang’s products using the Boston Consulting Group (BCG) matrix as a tool for evaluating market performance and future potential. Pegadaian plays a crucial role as a microfinance institution by offering accessible financial solutions such as gold/jewelry pawning, gold savings (digital and physical), installment-based precious metal purchases, electronic pledging, KUR based on vehicle ownership documents, and Hajj savings plans. The study employs a qualitative descriptive approach, gathering insights from comprehensive interviews with both employees and customers. Findings indicate that each product faces unique obstacles and opportunities. Key challenges include customer dissatisfaction regarding service quality, limited adoption of cashless transactions by elderly clients, and traditional promotional methods relying on brochures and word-of-mouth. By mapping products based on market share and growth prospects through the BCG matrix, the study identifies which offerings should be prioritized for development, stability, or rebranding. In response, it is recommended that Pegadaian UPC Ajibarang enhance its marketing and customer service strategies, broaden digital engagement efforts, and introduce user-friendly technological solutions for older clientele. These steps are essential to strengthen competitiveness and ensure long-term sustainable growth for their most promising financial products.

This research uses a descriptive qualitative method with a case study approach to analyze the influence of soft skills and digital marketing skills on the performance of MSMEs in the creative economy era. Theories used in this research include competency theory and organizational performance theory. This study focuses on understanding how interpersonal abilities (soft skills), such as communication, creativity, and leadership, along with digital skills such as the use of social media, e-commerce, and digital branding, can enhance the competitiveness and productivity of MSMEs. The results show that MSME actors with strong soft skills are able to build strong customer relationships and create added value in their products, while digital skills support operational efficiency and broader market reach. The integration of these two skill sets significantly contributes to the improvement of MSME performance, particularly in terms of sales, customer satisfaction, and business growth. Therefore, the development of soft skills and digital skills is a crucial strategy to support the sustainability of MSMEs amid the increasingly dynamic competition in the creative economy.

This study analyzes the human development index, regional minimum wage, and labor force participation rate on poverty in North Sumatra in 2001-2023. The data used is secondary data in the form of time series obtained from the publication of the Central Bureau of Statistics. The analysis method used is multiple regression with E-Views software. The results showed that the human development index has no effect, the regional minimum wage has a negative effect and the labor force participation rate has a negative and significant effect on poverty, which indicates that an increase in the human development index tends to not affect poverty because it has a positive value. In contrast, the regional minimum wage and labor force participation rate show a negative and significant effect on poverty. Simultaneously, the human development index, regional minimum wage and labor force participation rate have a significant effect on poverty.

One of the socioeconomic problems faced by every region is poverty. Poverty is a social issue that takes place in the long term, so that until now it is still difficult to overcome. The purpose of this study was to determine the effect of Population, Open Unemployment Rate (TPT), and Human Development Index on Poverty Level in North Sumatra Province. This study uses secondary data analysis in the form of time series data which is quantitative in nature, namely data in the form of numbers. The secondary data used in this study are poverty data, population data, open unemployment rate data and human development index data from 2001 to 2021. These data were obtained from the North Sumatra in Figures (SUDA) document from 2001 to 2021. The results of this study prove that population has a significant effect on the poverty rate of North Sumatra Province, the open unemployment rate variable has no significant effect on the poverty rate of North Sumatra Province, the human development index variable has no significant effect on the poverty rate of North Sumatra Province. Simultaneously, population, open unemployment rate (TPT), and human development index have a significant effect on the poverty rate in North Sumatra province.

This study discusses the influence of independence, work experience, professional ethics, and leadership style on auditor performance. The background of the study shows the importance of the role of auditors in ensuring transparent and reliable financial reports. Using a descriptive-based literature study method, this study processes secondary data from various journals. The results show that independence, work experience, and professional ethics have been proven to improve auditor performance so that they can also improve audit quality and public trust, while transformational leadership style encourages team motivation and collaboration. Research recommendations include strengthening independence policies, ongoing training, consistent application of professional ethics, and leadership that supports auditor development.

Blessings in the business world are a concept that describes sustenance that is not only abundant in material aspects, but also provides positive impacts, peace, and goodness for business actors and the wider community. This study aims to investigate the blessings experienced by producers in milling cassava flour at UD Mulyo, a business that focuses on processing cassava flour raw materials and realizing producer blessings through employee and community welfare and environmental empowerment. By applying a descriptive qualitative approach, data were obtained through in-depth interviews and observations, which were then analyzed thematically. The research findings show that blessings in UD Mulyo's business are realized through the application of Islamic values, such as honesty in business management, maintaining product quality, and a commitment to improving the welfare of employees and the surrounding community. UD Mulyo not only contributes to the economy through job creation and increasing community income, but also creates social benefits through harmonious cooperation with the local community. This study confirms that blessings in business go beyond material benefits, but also include spiritual values, social balance, and business sustainability.

The application of Islamic moral values ??in entrepreneurship, especially the principles of justice, has a significant impact on the sustainability and blessing of the business. This research identifies various important aspects of implementing the principles of justice, including increasing customer loyalty, strengthening business relationships, and creating social harmony. Although there are challenges in implementation, such as market pressures and intense competition, business ethics education and regulatory support can help Muslim entrepreneurs to adhere to Islamic moral principles. The research results show that the application of Islamic morals not only provides economic benefits, but also creates positive social and spiritual impacts, thereby ensuring sustainability and blessings in the long term.

This research aims to examine the impact of QRIS (Quick Response Code Indonesian Standard) on students' shopping habits in the digital era, focusing on students at STIA Lancang Kuning Dumai. This study uses a qualitative approach with in-depth interviews and focus group discussions (FGD) to explore students' experiences and perceptions regarding QRIS use in their shopping activities. The findings indicate that QRIS has provided students with convenience, efficiency, and security in digital transactions, although some students face barriers related to technological literacy and network issues. QRIS has influenced shopping habits by encouraging more online shopping. These findings contribute to understanding the role of digital payment systems in changing students’ consumption behavior.

The industrial revolution has transformed the global economic landscape, and Indonesia is not exempt from its impacts. This article discusses Indonesia's readiness to face the challenges posed by the industrial revolution, focusing on sectors such as manufacturing, technology, and human resources. This research is a  qualitative analysis method with a literature study and interviews approach. The findings indicate that while Indonesia has made progress in infrastructure and technology, there are still significant challenges in terms of human resource quality and the industry's readiness to adapt to technological advancements. Therefore, more targeted policies are needed to optimize Indonesia's potential in facing the industrial revolution.

Industrial economics is a part of economics that studies how the structure, behavior and results of industry. This article aims to understand the definition and problems in industrial economics by using a qualitative approach with literature studies. This study emphasizes the main problems of perfect competition, technological innovation, production efficiency, and government regulations that have an impact on industrial performance. By conducting a literature review, this study provides a conceptual overview that can be the basis for further research.

This article is made to learn the definition, components, and calculation formula of the Market Entry Barriers Component Index and Function Index, where these two measuring instruments are very important in analyzing the market. The function of the Market Entry Barriers Component Index is to evaluate the level of difficulty that a company will face in entering a pre-existing market. The way to evaluate it is by looking at obstacles such as fixed costs, production capacity, regulation, and production. For the Function Index itself, it functions to see how much efficiency will occur and includes distribution, information flow, and market mobility. This article also aims to provide an example of how the calculation system for the two indexes works. Through this understanding, readers and companies can formulate more appropriate strategies in dealing with obstacles and taking advantage of opportunities in the market.

This study analyzes the strategy and development of industry in Indonesia with the aim of identifying the main factors that influence the growth of the industrial sector. This study uses a qualitative method with a literature study through related documents and journals. The results of the study indicate that industrial growth is influenced by economic, social, technological factors, and government policies. These factors include the growth of the manufacturing sector, the availability of skilled labor, investment, and the adoption of Industrial Revolution 4.0 technology. Government strategies such as Making Indonesia 4.0, tax incentives, and infrastructure improvements have played a significant role in encouraging industrial competitiveness in the global market. However, challenges such as limited infrastructure, high production costs that hinder growth, especially for Micro, Small and Medium Enterprises (MSMEs) and product quality that does not meet international standards are still major obstacles. This study concludes that in order to maintain competitiveness, industry must increase innovation, implement new technologies and strengthen the quality of human resources. The active involvement of the government in supporting policies and infrastructure is crucial to encourage sustainable industrial development.

The digital era has created a generation of digital natives with superior technology adaptability. However, to achieve success in the world of work, soft skills competencies remain an important factor that supports individual success. This study aims to explore the role of soft skills competencies in digital natives in building a successful career. Using a qualitative approach, data was collected through in-depth interviews with young digital native workers in various industry sectors. The results showed that interpersonal communication skills, teamwork, adaptability, and time management were the main elements that contributed to their success. The findings highlight the importance of synergy between technical and soft skills in facing the complex challenges of the world of work. The implications of this study offer insights for organizations to develop training programs that are holistic and support the development of soft skills as part of a human capital capacity building strategy.

The researcher is interested and aims to investigate and analyze the mechanism for handling problematic financing implemented by Bank Sumut Syariah, especially at KCP Kota Baru Marelan. This research adopts a type of field research with a focus on phenomena or symptoms that occur in the field related to problematic financing in Sharia Home Ownership Credit (KPR) products provided by PT. Bank Sumut Syariah, especially at the Sub-Branch Office (KCP) Kota Baru Marelan. The results of this research are based on observation and scientific logical analysis of data collected from the field. Based on in-depth discussions, Bank Sumut Syariah, especially at KCP Kota Baru Marelan, has implemented a mechanism for handling problematic financing by paying attention to sharia principles. This process involves proactive communication, involvement of sharia experts, and customer openness. Customers, as represented by Mrs. Nilam Kurnia, gave positive testimony regarding the bank's approach in handling problematic financing.

This study aims to examine the effect of emotional quotient, spiritual quotient, learning behavior and teaching methods of lecturers on the level of understanding of student accounting. This research was conducted on undergraduate students of the Accounting Study Program, Faculty of Economics at Islamic University of Majapahit and STIE AMM Mataram. This type of research is associative quantitative research. The population used in this study were all accounting study program students, totaling 1.460 respondents. The sample used was 100 respondents with Slovin formula as the sampling  technique. Data collection techniques using a questionnaire, with a Likert scale as a measuring tool. Data analysis in this study was linear regression analysis with the help of SmartPLS version 3.0 software. The results of this study indicate that emotional intelligence has no significant positive effect on the level of understanding of accounting, spiritual intelligence has a significant positive effect on the level of understanding of accounting, learning behavior has a significant positive effect on the level of understanding of accounting. accounting, lecturer teaching methods have no significant positive effect on the level of understanding of accounting.

This research aims to investigate the interconnected dynamics of public relations strategy, product branding, digital marketing, and customer loyalty in fostering company growth. Employing a qualitative approach, the study utilizes semi-structured interviews with key stakeholders and industry experts as the primary method of data collection. Sampling techniques involve purposive sampling to ensure diversity in perspectives. Data analysis involves thematic analysis, enabling the extraction of nuanced insights and patterns from the qualitative data. The findings provide comprehensive insights into the symbiotic relationship between these factors and their collective impact on company growth, offering valuable implications for strategic business development and marketing management strategies.
 
 

Basically, income tax itself is an official levy aimed at people who earn income or for the income they receive or obtain from the tax year for the benefit of the state and the interests of society in national and state life as an obligation that must be carried out. In this research, the method used is a literary research method, including the type of library research. Income tax (PPh) is a tax imposed on the income of individuals, companies or other legal entities on income received or earned during the tax year.
 

The aim of this research is to determine the influence of brand image and product differentiation on sales at PT Aerofood Indonesia Kualanamu Branch and the extent to which product differentiation influences customer satisfaction at that location. Quantitative methods are applied. The population of this research is all customers who have used products and services from PT Aerofood Indonesia Kualanamu Branch. 110 respondents were given a questionnaire to fill out in order to do this. The findings of this research show that at PT Aerofood Indonesia Kualanamu Branch, product differentiation has a good and significant influence on customer satisfaction. However, at PT Aerofood Indonesia Kualanamu Branch, brand image does not have a real impact on customer satisfaction, either positively or negatively. At PT Aerofood, customer satisfaction and sales are significantly influenced by product differentiation and brand image.

The study aims at studying the significance of motivation, conflict, and work stress influence on the performance of PDAM Tirto Negoro Sragen. The sources of data used in this study are primary data and secondary data. The sample used in this study consisted of 103 PDAM Tirto Negoro Sragen. Sampling techniques use proportional cluster random sampling. Data collection techniques used are questionnaires, observations and library studies. Data analysis techniques use descriptive analysis, double linear regression test, t test, F test, and determination coefficient test. The results show that motivation, conflict and work stress influence the performance of PDAM Tirto Negoro Sragen.
 
 

This research analyzes the impact of the multinational company Samsung Electronics Co., Ltd.  Against national income in Indonesia.  Using secondary research methods, data from various sources, including the Central Statistics Agency, Samsung’s financial reports, market studies,and previous academic research, was analyzed to understand Samsung’s contribution to the Indonesian economy.  The analysis results show that Samsung’s presence has made a significant contribution to Indonesia’s economic growth through foreign direct investment, jobcreation, increased exports and tax contributions.  Apart from that, positive impacts are also felt through the development of supporting industries, increasing human resource capacity, and support for the MSME sector.  However, it is also necessary to pay attention to negative impacts such as unhealthy competition and the potential for market domination.  Therefore, appropriate regulatory and supervisory measures are  needed to maximize the positive impact and minimize the negative impact of Samsung’s presence.  Overall, Samsung’s role in driving the  Indonesian economy to wards more advanced and sustainable grow this very significant.  Collaboration between companies, government and society needs to be improved to ensure the benefits are felt fairly and sustainably.

In the Outline of the State Direction in Chapter IV of the Sixth Phase of Five-Year Development, part F of the economic field point 2, it is said that "Marine and Fisheries Development is continued and more directed towards efforts to increase income and more directed at increasing the income and living standards of fishermen and advancing the level of quality of life in coastal villages through increasing the diversification of fish production to meet food and nutrition needs and increase export value. Marine and fisheries development in Fakfak Regency during the first long-term development has shown positive results that can be shown by a fairly high increase in production accompanied by an increase in community fish consumption, an increase in fishermen's income for the community, an increase in inter-island and export fish marketing, an expansion of employment and business opportunities in the marine and fisheries sector. This study aims to find out how the marine and fisheries sector affects the increase in Regional Original Revenue (PAD) of Fakfak Regency and to find out the impact of regional levies on the receipt of Daserah Original Revenue for the Marine and Fisheries Sector of Fakfak Regency. The research method used is a qualitative research method. Seeing the existing reality, the marine and fisheries sector has maximally made breakthrough efforts according to its role in order to increase Regional Original Revenue (PAD) as capital in regional development.
                                                                                                             
 

The decision on the feasibility of purchasing a share is an indicator or criterion that is considered before finally deciding to invest or invest in the issuer. Researchers conducted technical analysis and fundamental analysis of PT Bank Negara Indonesia, Tbk. (BBNI) shares to find out whether the issuer's shares are suitable as issuers for investing or just for trading. Technical analysis and fundamental analysis are performed to see opportunity whether the shares are worthy of stock investment or not. Technical analysis is carried out using the simple moving average (SMA) and RSI methods. In addition, fundamental analysis is also carried out with several indicators such as price book value (PBV), price earning ratio (PER), debt equity ratio (DER), net probability margin (NPM), and earnings per share (EPS). In this study, the approach taken is a qualitative descriptive approach where data is presented in the form of narratives or detailed elaboration from experts. PT Bank Negara Indonesia (BBNI) shares are the oldest bank stocks that have a large market capitalization. This stock can also be said to have a relatively stable level of price fluctuation with a high level of profit and price. In terms of technical analysis and fundamental analysis, PT Bank Negara Indonesia (BBNI) shares are stocks that deserve to be an investment choice.

Social Enterprises (SE) are responsible for social and environmental issues. As a hybrid organization that combines the business and volunteer sectors, SE becomes an important tool in analyzing organizational settings and developing plans to achieve social goals. In this article it is emphasized that understanding business models is very important. The social business model (SEMC) and Business Model Canvas (BMC) are useful tools to help SEs create strategies that are responsive to the challenges they face. BMC uses a multidimensional approach to mission values ??and objectives, as well as a deep understanding of stakeholders, to become a powerful tool for driving progress and generating sustainable positive impact. Over time, social entrepreneurs will have to incorporate new principles into their practices. Our results also show that these sustainable and gradual techniques not only change value, but also influence the development of companies and the surrounding society. Therefore, this technique not only helps maintain the existing structure, but also helps make necessary changes. Finally, our research advances our understanding of social entrepreneurship and provides social enterprises seeking greater social change with practical insight.

The main point or The purpose of this study is to find out and understand the preparations that every business company in Indonesia has had to face and will continue to face regarding the current era of  industrial revolution 4.0 underway and is currently starting to face further developments in the era that is starting Entering era of industrial revolution 5.0. Industrial Revolution 4.0 or what is also known as "cyber physical systems" is an event where there is cooperation between and automation technology and cyber technology. So with the evolution of industry, in the current era, companies previously needed manpower and human resources with physical abilities who could be productive in large amounts of energy, now with  chanwith the changes that occur in the eras that occur in industrial sector, technology has entered as a component that helps human work, inseparable from Therefore, the impact is widespread, especially in the industrial sector in Indonesia. Now many companies have implemented technology-based digital systems to support their performance to be more productive and generate large profits as well as develop innovation and facilitate the company's progress to continue to be sustainable in the future. Technology is developing and advancing rapidly thanks to scientists and researchers who have contributed to it in terms of science and technology. With this, digital-based systems and digital-based physical facilities and infrastructure created to make things easier for people achieve various needs and desires according to their respective goals. This is certainly something that cannot be denied and avoided in the world community, not only in Indonesia. Therefore, this article will focus on discussing the readiness of companies in Indonesia to face the positive and negative challenges arising from changes in this progress Results of this study article conclude that although there are efforts being made to prepare companies in Indonesia to face the Industrial Revolution 4.0, further efforts are still needed to ensure equal readiness in various industrial sectors.

Kinerja terjemahan dari “performance” berarti hasil kerja yang dapat dicapai oleh seseorang atau sekelompok orang dalam suatu organisasi, sesuai dengan wewenang dan tanggung jawab masing-masing dalam rangka upaya mencapai tujuan organisasi bersangkutan secara legal, tidak melanggar hokum dan sesuai dengan norma maupun etika.” lingkungan dan alat kerja kurang baik, serta etos kerja kurang baik. Hal ini terjadi karena gaya kepemimpinan kepala desa, budaya organisasi, motivasi dan evaluasi kinerja kerja belum maksimal dilakukan.

The impact of unemployment is divided into two aspects seen from economic development, namely the impact of unemployment on a country's economy and the impact of unemployment on the economy of individuals who experience it and society. The aim of this journal is to determine the impacts of unemployment on Indonesia's social and economic stability. The method used is the descriptive-qualitative analysis method. The results of this journal explain that unemployment can cause consumption to decrease, because unemployment can reduce household income, which as a result can reduce consumer spending. Overall, the social impact of unemployment can be very detrimental to Indonesian society, causing economic and psychological stress for those affected. Therefore, it is important to implement policies and programs that aim to reduce unemployment rates and support people who have difficulty finding work.

Sharia tourism policy is a government effort to develop the tourism sector by prioritizing sharia principles in all aspects. These measures include services that value Islamic teachings, such as sharia-based places to stay, restaurants that serve halal food, and entertainment programs that adhere to Islamic ethics. The aim of this policy is to increase the attractiveness of tourism among Muslim tourists and at the same time create a tourist environment that is in accordance with Islamic teachings. Thus, the sharia tourism policy is expected to contribute positively to economic growth and fulfillment of the spiritual needs of the local community. sharia tourism is the implementation of sharia principles into a form of travel activities of sharia tourist destinations. The development of Islamic tourism is currently growing rapidly because it is very much in demand by Muslim tourists who are looking for alternative travel in accordance with the principles of Islamic sharia, this research reaches the implementation of the concept of Islamic tourism in tourist destinations that are very popular and in great demand in areas with a majority Muslim population. This research uses a qualitative approach that analyzes accommodation, culinary, and tourist activities that integrate Islamic values, the results of this study show that Islamic tourism policies have a significant impact on the economic development of the region, this research discusses the Islamic tourism system and its policies where these two things have a significant impact on local economic development, through a case study approach and economic data analysis, this research identifies the effect of regional tourism policies on regional economic development.

This study aims to analyze the effect of employee training and compensation variables on employee performance variables. The type of research used is quantitative method with descriptive analysis. The data collection technique was carried out online in the form of a questionnaire with the help of the Microsoft Forms application using a Likert scale of one to five and obtained by a simple random sampling method on 32 respondents with the criteria of office workers or employees. The data analysis techniques used in this study are: Outer Model with the calculation of Convergent Reliability, Discriminant Validity, Composite Reliability, Cronbach's Alpha, VIF and Inner Model with calculations on R-Square, Adjusted R-Square, and f-Square hypothesis testing on the calculation of T statistic, P-Value, and Original Sample using SmartPLS (Partial Least Square) software version 4. The results showed that: 1) Employee training has a positive and significant effect on employee performance with t test results of 3,774, p-value 0.000, and positive Original Sample. 2) Compensation has a positive and significant effect on employee performance with a t-test result of 3.454, p-value 0.001, and positive Original Sample. 3) Employee training and compensation together have a positive and significant effect on employee performance with an R-Square result of 0.650 or 65% influence. Recommendations from this study are to add independent variables and expand the population area for better results.
 
 

This research aims to determine the influence of Income Expectations, Entrepreneurship Education, and Family Environment on students' Entrepreneurial Interests. The research method used is a quantitative approach. The research sample consisted of students from various universities taken randomly (Random Sampling). The maximum number of respondents obtained was 200 people. Data analysis was carried out using an outer model (Outer Model) which includes calculations of Convergent Reliability, Discriminant Validity, Composite Reliability, Cronbach's Alpha, as well as an inner model (Inner Model) which involves calculating T, R-Square and f-Square statistics. For data analysis, the SmartPLS (Partial Least Square) tool version 4.0.9.3 was used. The research results show that Income Expectations (X1) have a positive and significant influence on Entrepreneurial Interest (Y). Entrepreneurship Education (X2) also has a positive influence on Entrepreneurship Interest (Y), while Family Environment (X3) has a positive and significant influence on Entrepreneurship Interest (Y). Apart from that, together, Income Expectations, Entrepreneurship Education and Family Environment have a positive and significant effect on Students' Entrepreneurial Interest.
 
 

Sektor pariwisata telah menjadi salah satu pendorong utama perkembangan sosial ekonomi di sejumlah negara besar dan daerah khususnya di Kota Surabaya. Bahkan, menurut Prakiraan dari World Tourism Organization (WTO), pariwisata diharapkan menjadi kegiatan ekonomi global pertama tahun 2020 mencapai 1.6miliarwisatawan. Di dunia internasional sektor ini adalah mengikuti  perubahan terus-menerus karena meningkatnya jumlah faktor yang terlibat dalam aktivitas sebagai mesin ekonomi secara persial.Ekowisata mangrove merupakan model pariwisatatradisionalyang sedang mengalami transformasi yang menimbulkan beberapa kenyataan bahwa pariwisata memiliki ciriyakni tanaman yang dapat dibuat sirup, dodol dll. Semua ini telah membuat wajah pariwisata industri  tumbuh dinamis dan kompleksitas dengan tujuan  untuk menjalani adaptasi struktural yang dapat  dinikmati pasar serta menjamin ketetapan aktivitas wisata

Every company formed has a vision and mission that must be carried out to achieve goals. To achieve the goals to be achieved, competent human resources are needed in their respective fields. However, nowadays many people are not working according to their competence because they are looking for income. While working, it is undeniable that employees will feel anxious and lead to burnout. Employee performance will go well if they have the same competence as their job and also do not feel burnout. The purpose of this study was to determine the effect of human resource competence and burnout on employee performance at CV Asih Suminar. In this study involved 30 respondents using descriptive qualitative research. Data collection is done by interviews, observation and documentation. With the result that competence lacks influence while burnout has an influence on performance.
 

This study examines the implementation of the marketing strategy for Sharia KPR Bank Muamalat Stabat Branch and the challenges it faces. In this study, primary and secondary data from interviews, observations, and documentation were used in descriptive analysis techniques. The results of the study show that Bank Muamalat disseminates information through various mass media, both print (daily newspapers and magazines) and electronic (radio and television). Billboards, a type of outdoor advertising used by Bank Muamalat, are seen as a good tool to promote outreach.

The aim of this research was to examine the impact of inf?uencer support, and sa?es advertising materia? on the purchase choices. The hypothesis posited in this research is that inf?uencers, and advertising materia? have a favorab?e impact on customer purchase choices skincare products. The research inc?uded a tota? of 87 respondents who were se?ected via purposive samp?ing, specifica??y purposive samp?ing. The data co??ecting approach invo?ves the use of questionnaires and the ana?ysis of data using SPSS. This ana?ysis inc?udes doing va?idity tests, re?iabi?ity tests, c?assica? assumption tests, mu?tip?e ?inear regression ana?ysis, and hypothesis testing using t tests, F tests, and R2. The research findings indicate that the independent variab?es, name?y Inf?uencers, have a favorab?e impact on purchase choices. Advertising materia? has a beneficia? inf?uence on buying choices. The test resu?ts indicate that the adjusted R-squared va?ue for the independent variab?es inf?uencer, and advertising content on purchasing decisions is 0.577. This suggests that 57.7% of the variation in the purchasing decision variab?e can be exp?ained by the independent variab?es inf?uencer, and advertising content. However, 42.3% of the outcome is affected by other factors, such as the qua?ity of the goods, its ?ocation, brand, and trust.

The history and development of waqf in Islam is a reflection of the deep social, humanitarian and religious values in Islamic teachings. Over the course of its history, waqf has become one of the main pillars of Islamic civilization, making a significant contribution to the development of education, health, culture and social services throughout the Muslim world. This research uses a descriptive method with a qualitative approach based on data sources from literature studies and observations. The aim of this research is to provide information regarding the history and development of waqf. The results of the research explain that waqf already existed during the time of the Prophet and then during the time of Khulafaur Rasyidin, the Islamic Dynasties. As well as the development of the waqf era in various countries.

In the era of globalization and increasingly fierce economic competition, industrialization has become the main pillar in efforts to increase a country's competitiveness and economic growth. In Indonesia, strengthening industrialization does not only aim to increase production and exports, but must also be directed at sustainable investment that pays attention to environmental, social and governance (ESG) aspects. This research aims to analyze the strategies and policies needed to strengthen industrialization within the framework of sustainable investment in Indonesia. Through a qualitative approach with policy analysis and case studies of key industries, it was found that the integration of sustainability principles in industry can increase efficiency, reduce environmental impacts, and provide broader social benefits. In addition, government support through appropriate regulations, fiscal incentives, and increasing human resource capacity are key factors in realizing sustainable industrialization. It is hoped that the results of this research can be a reference for policy makers, industry players and investors in designing and implementing investments that support economic growth while maintaining environmental sustainability and social welfare.
 

A strategy that focuses on the manufacturing industry is a route taken by businesses to realize long-term goals through developing habits and routines based on performance. Manufacturing or processing industries contribute more than 31 percent to the East Java economy. The strategic orientation of Surabaya city manufacturing companies includes customer care, competitor orientation, coordination between functions, and technology orientation. In 2016, the Indonesian manufacturing sector experienced an upward trend, which shows that manufacturing industry players are optimistic about facing future economic conditions. The manufacturing industry in Indonesia is an important industry for economic development because it has There is quite a large potential to increase the workforce, provide an increase in the value of raw materials, as well as increase sources of foreign exchange.
 

In the constantly advancing era of digitalisation, ensuring cyber security has become essential in preserving the integrity, confidentiality, and accessibility of organisational data. The primary focus of this research is to emphasise the importance of cybersecurity awareness in safeguarding systems and information. The 1945 Constitution serves as the primary governing document for the government and legal system. The 1945 Constitution enacts legislation that ensures freedom of expression, a pertinent principle in cyber security. This research aimed to examine the role of security management in enhancing cyber security by applying principles in accordance with the 1945 Constitution. This research identified the factors affecting cyber security awareness and proposed strategies to enhance user awareness through a comprehensive literature review and examined recent findings. Security management is essential for guaranteeing the security of IT systems and infrastructure. Based on a literature review, this study determined the role of security management in assisting organisations in identifying, managing, and addressing security threats effectively. In addition, the hypothesised findings concluded that advancing cyber security in Indonesia is a fundamental aspect of state sovereignty, as stated in the 1945 Constitution and the principle of the Unitary State of the Republic of Indonesia (NKRI). These findings demonstrated the significance of comprehending cyber security for users and organisations and the necessity of international cooperation in the realm of national security in cyber. By gaining a more comprehensive comprehension of the function of security management, it is anticipated that organisations can enhance security protocols and mitigate security vulnerabilities as they confront the challenges of the present digital age.

In the history of the Indonesian economy. Indonesia often experiences changes in its economic structure. Starting from the beginning of independence, namely the era of the first President of Indonesia, namely Soekarno, until now the Jokowi era. These changes often occur because the economic structure has not boosted the Indonesian economy and is considered unable to improve the welfare of the people. The economic structure is used to shows the composition or arrangement of economic sectors in an economy. Economic structure is also the implementation of existing economic systems with the aim of increasing the welfare of a country through economic development and growth of national income. The economic structure can be seen from four viewpoints, namely macro-sectoral review, financial review, state administration review, and bureaucratic decision-making review. The macro sectoral review and financial review are purely economic reviews, while the state review and decision-making bureaucratic review are political reviews. Dominant or reliable economic sectors can also mean sectors that make the largest contribution to the national product with high growth rates, which are characteristic of an economy.
 
 

The island of Sumatra has 10 provinces with a Human Development Index level that is not much different from the national Human Development Index, several provinces on the island of Sumatra have a Human Development Index below the national Human Development Index. The aim of this research is to analyze the Human Development Index and the factors that influence it in Sumatra for the 2018-2022 period. This research is quantitative research. The variables used in this research are the Human Development Index, Gross regional domestic product, Economic Growth, Poverty, and the Gini Index. The panel data method is used for analysis in the form of cross section data from 10 provinces on the island of Sumatra and time series data for 2018-2022. The results of this research show that Gross regional Domestic Product and Economic Growth have a negative and insignificant effect on the Human Development Index, Poverty and the Gini Index have a negative and significant effect on the Human Development Index in Sumatra for the 2018-2022 period.

Industrial development by concentrating industries in a place, which is called an industrial area, is intended to suppress the spread of environmental impacts caused by industry. Another goal is that the presence of industry in the same place will have a double effect on society. However, these objectives must be followed by the fulfillment of strict criteria. These criteria start from the determination of land allocation for industrial estates, to the obligation to manage waste or environmental impacts caused. The industrial estate development policy must pay attention to environmental aspects, thus building an environmentally sound industrial estate.

Regional growth centers assume the ability to integrate as many development interests as possible among those with an interest in development. Thus, regional growth centers also mean qualitative development and/or growth. Theoretically and empirically, inclusive economic growth is closely related to regional development. The existence of sub-regions in Aceh needs special attention, in order to develop the concept of regions as centers of development. During the New Order era, the concept of regional development was apparently renewed.

In the development of the world, the manufacturing industry sector continues to develop every year, this results in increased competition in the business world, especially in the economic sector. Therefore, every country is required to be more advanced and developed so that the welfare of the population is evenly guaranteed. In the business world, if the business is growing, the competition between one company and another will increase tighter. To be able to compete with other companies, the company must be able to manage all assets owned and its obligations as much as possible so that the operational activities of the company can run well according to the original plan for the company to be established.

Merge is the origin of the word merger that we currently know, which comes from a word which means in Indonesian, namely to combine or fuse. According to the definition of the Encyclopedia of Banking and Finance, merger itself is defined as combining two or more entities or companies, where the large one takes the small one and then the one who continues the business usually uses the same name. Meanwhile, according to the republican government, a merger is defined as a legal act carried out by two or more companies to merge with another existing company and then the merging companies are dissolved.