The role of the financial sector in the economy is very large and continues to grow to meet people's needs. Financial technology or (fintech) is a term used to describe innovation that occurs in the financial sector. The use of financial technology in micro, small and medium enterprises (MSMEs) in Tembalang District aims to measure how the application of financial technology has an impact on the growth and competitiveness of MSMEs in the area. This research involves a survey of a number of small and medium enterprises (MSMEs) that have adopted various fintech services, such as technology-based financial management and digital payments. This research was conducted to identify changes in operational efficiency, access to capital, and competitiveness of MSMEs in Tembalang District. The results of this research are expected to provide an in-depth picture of the extent to which the use of fintech has supported the growth and demand of MSMEs in Tembalang District as well as provide policy recommendations to increase the role of fintech in supporting the MSME sector.

This study aims determine the effect of Liquidity and Profitability on Firm Value with Dividend Policy as an Intervening variable in food and beverage sub sector manufacturing companies listend on the Indonesia Stock Exchange for the period 2017 – 2022. The sample of this research is 10 food and beverage sub sector companies listed on the Indonesia stock exchange for the 2017-2022 period. In this study, path analysiswas carried out using SPSS version 25 program and Microsoft Excel 2019. The results showed that 1) Liquidity has no significant effect on Dividend Policy 2) Profitability has a significant effect on Dividend Policy 3) Dividend Policy has no effect on Firm Value 4) Liquidity has a significant negative effect on Firm Value 5) Profitability has a significant effect on Firm Value 6) Dividend Policy is able to mediate the effect of Liquidity on Firm Value 7) Dividend Policy is unable to mediate the effect of Profitability on Firm Value.

This research focuses on optimizing the speed of Big Data processing using Artificial Intelligence (AI) in healthcare applications. The study integrates Random Forest (RF) and Deep Learning (DL) algorithms with cloud-based computing systems to improve data processing efficiency. The dataset includes both structured data, such as Electronic Health Records (EHR), and unstructured data, like medical images. The results show that RF performs better with structured data, achieving a lower Mean Squared Error (MSE) and higher R-squared (R²) than traditional methods. Meanwhile, DL achieves superior accuracy and Area Under the Curve (AUC) in processing unstructured data. By utilizing the distributed computing power of Spark on a cloud platform, the processing speed was significantly enhanced, as demonstrated by a statistically significant reduction in processing time (p < 0.05) observed through a t-test analysis comparing Spark-based computing with traditional methods. Despite these improvements, challenges such as data privacy and infrastructure costs remain. Despite these improvements, challenges such as data privacy and infrastructure costs remain. This research provides a robust framework for real-time healthcare data analysis, highlighting its potential to improve decision-making processes and patient outcomes in medical services.

This study aims to explore the development, challenges, and opportunities of sharia stocks in Indonesia through a literature review method. Sharia stocks are part of the sharia capital market that is growing rapidly along with increasing public awareness of halal investment. This study examines literature from various academic sources, official reports, and related journals to provide a comprehensive understanding of sharia stocks in Indonesia. The results of the study indicate that sharia stocks have great potential in supporting the national economy, but challenges in the form of sharia financial literacy and limited access still need to be overcome.

 Ships with efficient port time reflect success in various aspects such as port operations, including time management, coordination between related parties, readiness of facilities and equipment, and workforce reliability. These efficiencies not only benefit port operators and shipping companies, but also contribute to smooth logistics supply chains, lower costs and increase economic competitiveness. Researchers determine 2 (two) types of data, namely secondary data and primary data, which will be processed through interviews and literature. By knowing each of the port time components above, we can understand the key to increasing operational efficiency, reducing costs, and ensuring smooth port and ship operations. Process optimization at each stage of port time implemented can help ports and shipping companies achieve competitive advantage and increase customer satisfaction
 
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This research aims to analyze the Cashless Payment System where cashless payments are available, what are the benefits, challenges and obstacles, the impact it has, implementation and case studies, as well as Recommendations and Best Practices. This research uses the Libery reasech research method or literature study. The results of this research are that cashless payments make transactions very easy, there are many challenges in making these payments, the implementation in the case study is also very effective, especially for Jakarta residents, the impact can also be good or bad in educational and social sectors, and there are many recommendations for maximizing cashless payments in order to maximize online payments.

Sharia investment is increasingly gaining attention throughout the world as an investment alternative that is in accordance with Islamic principles. This article aims to analyze whether sharia investment is the best choice or a burden in the future. By examining financial aspects, regulations and their impact on the global economy, this research evaluates the potential and challenges of sharia investment in the ever-growing global market. The main focus of this article is to understand how the Islamic investment market can develop amidst increasingly dominant conventional financial market trends, as well as identifying challenges that investors and policy makers may face. The analysis results show that although sharia investment offers significant advantages in terms of compliance with moral and ethical values, there are several obstacles that must be overcome, such as product and liquidity limitations. Thus, sharia investment could be the best choice in the future if it can overcome these challenges and adapt to increasingly complex market needs.

The research focuses on identifying sell signals and buy signals in stock buying and selling transactions using technical analysis used by investors to achieve optimal profits. This study compares the influence of MACD and RSI indicators on sell signals and buy signals before and after using Islamic banking stocks listed on IDX. Next, to find out which indicator is more effective in identifying sell and buy signals. The research method used is quantitative with a descriptive research design . The data analyzed is secondary data obtained from data samples from PT. Bank Syariah Indonesia Tbk, PT. Bank BTPN Syariah Tbk, PT. Bank Panin Dubay Syariah Tbk, PT. Bank Aladin Syariah Tbk for the period 2018-2022. The result of the study is that there is no significant difference between sell signals and buy signals before and after the use of the Moving Avergence Convergence Divergence indicator and the Relative Strength Index indicator. Based on the t-test, each indicator states that using the RSI indicator has a positive value.

Academic workload is a responsibility in education that must be completed by individuals, while social support is assistance that helps fulfill emotional, physical, and social needs. Academic burnout is the physical, emotional, and mental exhaustion caused by excessive academic pressure over a prolonged period. This study aims to identify the influence of academic workload and social support on burnout among Office Administration Education students at the State University of Jakarta. The analysis results show that academic workload has a significant influence on burnout (coefficient 0.653), while social support is not significant (value 0.125). An R-Square of 83.3% indicates that both variables explain 83.3% of burnout variations, with the remaining influenced by other factors such as economic conditions and intrinsic motivation.

Plans are a vital component in a government to achieve directed and sustainable development. This research aims to identify the importance of plans in managing resources, setting priorities, and creating transparency and accountability in government. The method used in this research is qualitative analysis based on literature reviews and case studies related to plan implementation in various governments, both national and local. The focus of this research includes the role of plans in resource efficiency, risk mitigation, and coordination between institutions. The research results show that governments that have thorough planning are better able to optimize the use of budget, labor and time compared to governments without clear plans. In addition, a good plan helps the government anticipate potential risks and challenges, as well as provide strategic solutions to face them. In terms of transparency, planning documents enable the public to monitor government performance, increase public trust, and support public participation in the development process. This research also found that plans that are inclusive and involve various stakeholders are able to create stronger synergy between institutions and maintain program sustainability even if there is a change in leadership. In conclusion, plans in government are not only a tool to direct development, but also an important instrument to ensure stability, effectiveness and efficiency. With a structured plan, the government can achieve development goals optimally and have a significant impact on community welfare. This research recommends strengthening planning capacity at all levels of government to improve the quality of governance and public services.