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.
 

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.

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 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 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 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.

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.

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.

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.