On the one hand, amid the digital transformation of the financial sector, opportunities have increased for Micro, Small, and Medium Enterprises (MSMEs); on the other hand, challenges remain in technology adaptation and sustainable financial management, especially in a post-crisis era. Thus, given the ongoing push toward strengthening economic resilience, an urgent need arises to examine how far digital financial intelligence may act as a key for the survival and growth of MSMEs. The focus of this study is to examine the impact of digital financial intelligence-the financial literacy, attitude toward financial technology, and capability to use digital financial applications-on MSME economic resilience. Data were collected for the survey using a quantitative approach, which consisted of an online questionnaire administered to 220 MSME actors in Indonesia, who were digital financial services users for a minimum of one year. Participants were selected based on purposive sampling, while data analysis was performed using Structural Equation Modeling (SEM) based on Partial Least Squares (SmartPLS) supported by SPSS, Tableau, and MonkeyLearn. The results of the analysis reveal that all dimensions of digital financial intelligence have a significant relationship with economic resilience, particularly in the tactile domains of crisis adaptation, recovery, and strategic decision-making. Overall, these results now show life documents the need for greater emphasis on literacy and digital readiness as the bedrock of MSME sustainability. This academic contribution is theoretically developing an integrated model of technology and finance while practically implementing the policy implications that would strengthen an inclusive and adaptive MSME digital ecosystem.

Digital transformation drives manufacturing companies to adopt artificial intelligence (AI) as a strategy to improve operational efficiency and competitiveness. However, the effectiveness of AI integration is influenced not only by technological readiness but also by internal organizational capabilities and external environmental pressures. This study aims to analyze how technological, organizational, and environmental factors contribute to the successful implementation of AI in the manufacturing sector, emphasizing the unique dynamics in developing countries such as Indonesia. This study uses a mixed methods approach with a sequential explanatory design. Quantitative data were collected through surveys of 85 respondents from various manufacturing companies in Indonesia, including operational managers, information technology managers, and professionals related to AI implementation. Analysis was conducted using PLS-SEM to test the relationships between variables. Subsequently, qualitative data were obtained through in-depth interviews with 10 key informants who have direct experience in AI planning and integration in their companies. The results show that organizational factors, especially managerial support and human resource competence, play the most significant role in driving the success of AI integration. Aspects of transformational leadership and work culture readiness also emerge as determining factors for the sustainability of adoption. This study expands the application of TOE and RBV theories in the context of developing countries and provides practical implications for the industry in formulating more adaptive and contextual technology adoption strategies.

The rapid evolution of Generative AI has opened up numerous possibilities to enhance organizational decision-making through improved operational efficiency, innovation, and data analysis accuracy. However, companies in developing countries face challenges such as underdeveloped digital infrastructure, labor shortages, data security risks, and regulatory uncertainty. These factors create a gap between theoretical benefits and practical implementation. This study explores opportunities, key risks, and organizational readiness for Generative AI adoption in business decision-making within developing countries. Using a mixed-method sequential design, phase I involved a quantitative survey of 120 companies across five nations, while phase II included interviews with 15 key informants. Data were analyzed using Structural Equation Modeling and NVivo, with interactive visualization aiding in framework development. Findings indicate that Generative AI could improve decision-making efficiency by 89% and reduce operational costs by 15%. Top risks include data security (score: 4.41) and regulatory ambiguity (score: 4.27). Organizational readiness was high in managerial support (score: 4.01) but low in internal regulation (score: 3.67). The proposed Strategic Generative AI Adoption Framework integrates innovation diffusion, risk management, and readiness, offering practical insights for adaptive AI adoption in developing countries.

Bioinformatics is an interdisciplinary field that integrates biology, statistics, and computer science to analyze large-scale biological data. In the context of secondary education, students' understanding of this concept is still minimal. This study aims to evaluate the effectiveness of a training on the Implementation of Data Science in Bioinformatics, organized by the Statistics Study Program at Universitas PGRI Adi Buana Surabaya as part of a community service activity. The training methodology used a hybrid approach combining offline and online sessions. Twelfth-grade science students from five partner high schools participated. The training materials covered the basics of statistics, an introduction to bioinformatics, and biological data analysis case studies. The training showed increased participants' conceptual understanding and interest in data science. Furthermore, active interaction between students and speakers demonstrated the success of the participatory approach in learning activities. This activity also created collaborative relationships between partner universities and schools, extending the educational impact to secondary education environments. This training demonstrates the importance of integrating bioinformatics in secondary education to prepare young people to face the challenges of data-driven science.ABSTRAK Bioinformatika merupakan bidang interdisipliner yang mengintegrasikan biologi, statistika, dan ilmu komputer untuk menganalisis data biologis dalam skala besar. Dalam konteks pendidikan menengah, pemahaman siswa terhadap konsep ini masih sangat terbatas. Penelitian ini bertujuan untuk mengevaluasi efektivitas pelatihan bertema Implementasi Sains Data pada Bidang Bioinformatika yang diselenggarakan oleh Program Studi Statistika Universitas PGRI Adi Buana Surabaya sebagai bagian dari kegiatan pengabdian kepada masyarakat. Metodologi pelatihan menggunakan pendekatan hybrid yang menggabungkan sesi luring dan daring. Siswa kelas XII jurusan IPA dari lima SMA mitra dilibatkan sebagai peserta. Materi pelatihan mencakup dasar-dasar statistika, pengenalan bioinformatika, serta studi kasus analisis data biologis. Hasil pelatihan menunjukkan adanya peningkatan pemahaman konseptual dan minat peserta terhadap bidang sains data. Selain itu, terjadi interaksi aktif antara siswa dan narasumber yang mencerminkan keberhasilan pendekatan partisipatif dalam kegiatan pembelajaran. Kegiatan ini juga menciptakan hubungan kolaboratif antara universitas dan sekolah mitra, memperluas dampak edukatif ke lingkungan pendidikan menengah. Pelatihan ini membuktikan pentingnya integrasi bioinformatika dalam pendidikan menengah untuk mempersiapkan generasi muda menghadapi tantangan ilmu pengetahuan berbasis data.

This study aims to analyze the differences in online shopping satisfaction among Generation Z in Majene regency by comparing two e-commerce platforms, Shopee and Tokopedia, based on three aspects: price, service quality, and delivery service. Data were collected through questionnaires distributed to respondents. The sampling technique employed was purposive sampling, and the sample size was determined using Roscoe’s rule of thumb, resulting in a total of 60 respondents. The collected data were analyzed using descriptive analysis and a paired sample t-test. The results indicate significant differences in satisfaction levels in terms of service quality and price, while no significant difference was found in the delivery service aspect between the two platforms Shopee and Tokopedia.

This study aims to examine the influence of professional commitment on auditor independence, as well as investigate the role of auditor emotional intelligence and internal supervision in Public Accounting Firms as moderation variables. The research sample consists of 107 public auditors in Indonesia who will be active in 2024, with a simple random sampling technique. Data was collected through a questionnaire survey method. The results of the analysis show that professional commitment has a positive effect on the independence of auditors. In addition, auditors' emotional intelligence strengthens the relationship, as well as effective internal oversight of the KAP has been shown to strengthen the influence of professional commitment on auditor independence. These findings affirm the importance of strengthening the emotional capacity of individual auditors as well as the development of internal oversight systems within organizations as part of efforts to maintain auditors' independence and professionalism in audit practice.

This study aims to examine the implementation of compliance audit in addressing non performing loan risk at PT Bank Perekonomian Rakyat Bina Usaha Dana in East Flores Regency. The research method used in this study is descriptive qualitative with data collection techniques using observation, interviews, documentation, and literature review. The research informants were the compliance director, internal audit executive officer, compliance and risk management executive officer, credit department head, and two debtors. The research results indicate that the implementation of compliance audit has not been optimal because it does not use tools such as C2R for detecting credit applications and the application of the 7P principle has not been maximized in the prospect, payment, and profitability, so there are still non performing loans in quite large amounts.

This test aims to evaluate the formulation of floating microcapsule preparations containing ethanol extract of white turmeric (Curcuma zedoaria Rosc.), using chitosan, sodium alginate, and calcium chloride polymers as crosslinking agents. The preparation was formulated using the crosslinking method and tested based on its physical properties, which include moisture content, physical stability through cycle tests, resistance to the gastric and intestinal mucosa. The results showed that the microcapsule formulation was able to maintain the color and texture during the storage period well. The microcapsule durability test showed that the particles could survive in the gastric and intestinal mucosa for two hours. In addition, the water content is within the range that is in accordance with the requirements, namely, at a concentration of 0.25% there is (22%), a concentration of 0.5% there is (38.75%), a concentration of 0.75% there is (22.5%), and the blank has 20.5% water content. Based on previous research by Mardikasari et al., (2020) which used chitosan and alginate polymers. Through this method, this formulation shows the possibility as a technology-based drug delivery system that survives effectively in increasing the bioavailability of active substances from white turmeric.

The rapid adoption of QRIS (Quick Response Code Indonesian Standard) as a standardized digital payment system has transformed transactional behaviors in Indonesia, particularly among Generation Z and SMEs. This study explores the effectiveness of QRIS in driving digital transactions and its role in advancing the digital economy in Bandar Lampung, with a dual focus on Generation Z consumers and SMEs. Using a qualitative approach, data were collected through interviews with 13 Generation Z QRIS users and 3 SMEs (Jenggala, Ternatea, and Elora Studio). Findings indicate that QRIS adoption among Generation Z is driven by ease of use, speed, and practicality, though technical barriers like unstable internet connectivity and QR code scanning issues persist. For SMEs, QRIS enhances operational efficiency by reducing cash dependency (e.g., 70% of Jenggala’s transactions shifted to QRIS), automates financial management (Elora Studio), and improves customer satisfaction through faster transactions. However, challenges such as digital fraud (e.g., fake payment proofs at Jenggala) and infrastructure gaps underscore the need for systemic improvements. The study concludes that QRIS is pivotal in accelerating financial inclusion and digital economic growth, particularly when aligned with SME operational strategies and Generation Z’s tech-centric lifestyles. Recommendations include strengthening digital infrastructure, enhancing transaction security protocols, and fostering inclusive adoption across diverse business models.

The escalation of global terrorism has posed substantial obstacles to the safeguarding of human rights globally. This study analyzes the intricate relationship between counter-terrorism strategies and human rights, highlighting how security policies may curtail individual liberties. This study conducts a comprehensive examination of several case studies to examine the effects of anti-terrorism laws and procedures in different nations. It further examines the intricate equilibrium that governments must sustain between safeguarding national security and preserving human rights norms. The study utilizes qualitative methodologies, encompassing document analysis and expert interviews in the domain. The findings indicate that although counter-terrorism initiatives are essential for public safety, they frequently lead to infringements of civil liberties, especially impacting underprivileged communities. The paper emphasizes the necessity of tackling these difficulties to guarantee that security measures do not excessively violate basic rights.The report concludes by recommending measures for policymakers to enhance human rights protections within counter-terrorism frameworks. Essential recommendations encompass promoting accountability and transparency in security operations while implementing equitable, non-discriminatory rules. Through the implementation of these measures, governments can proficiently counter terrorism while upholding fundamental human rights principles.