Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.
 

Attention to spices and flavorings among the younger generation is still low. The strategy that can be used to overcome this problem is a programmed and computerized arrangement of spices and flavorings using Convolutional Neural Network (CNN) calculations. In this exploration there are 300 images of spices and flavors which will be characterized into 3 classifications. Namely ginseng, ginger and galangal. Information in each classification is divided into two, namely preparation information and testing information with a proportion of 80%: 20%. The CNN model used in computerized grouping of spice and flavor images is a model with 2 convolutional layers, where the first convolutional layer has 10 channels and the second convolutional layer has 20 channels. Each channel has a 3x3 portion frame. The channel size in the pooling layer is 3x3 and the number of neurons in the secret layer is 10. The actuation capability in the convolutional layer and secret layer is tanh, and the actuation capability in the result layer is softmax. In this model, the accuracy of preparation information is 0.9875 and the loss value is 0.0769. The precision of the test data is 0.85 and the loss value is 0.4773. Meanwhile, testing new information with 3 images for each classification resulted in an accuracy of 88.89%.

Digital transformation has brought significant impact to the agriculture sector in Indonesia by improving operational efficiency, opening new market opportunities, and introducing the concept of digital farming and agriculture 4.0. Although the government has encouraged agricultural digitalization through policies and programs, farmers still face challenges such as land limitations, climate change, and limited market access. Collaboration between the government, private sector, and non-profit organizations is needed to support farmers' adoption of digital technologies to improve their efficiency, productivity, and welfare. Challenges such as lack of internet access, low digital literacy, and high technology implementation costs also need to be addressed through cross-sector collaboration. This research highlights the importance of synergy in capitalizing on digital opportunities and overcoming barriers in the digital transformation of Indonesia's agriculture sector.

This journal discusses the contribution of Shanaya Tea Micro, Small and Medium Enterprises (MSMEs) in developing the local tea industry. Through this research, we analyze marketing strategies, product innovation and the role of MSMEs in increasing consumer awareness about local tea. The results show that Shanaya Tea has succeeded in strengthening the image of local tea through promoting sustainable products and collaborating with local tea farmers. The implication of this research is the importance of government support and collaboration between MSMEs to strengthen the position of the local tea industry in the domestic market. This research also reveals the challenges faced by Shanaya Tea MSMEs, including in terms of financing, regulations and market penetration. Nevertheless, Shanaya Tea's success shows the great potential of MSMEs in supporting product diversification and local economic development. The practical implication of this research is the importance of developing policies that support MSMEs in non-leading industrial sectors such as the tea industry. Further research can explore more deeply the collaboration strategies between MSMEs as well as the social and economic impacts of the development of the local tea industry in Indonesia. Apart from that, this research also highlights the importance of a sustainable approach in developing MSMEs in the agro-industrial sector. The results provide valuable insights for practitioners, academics and policy makers in understanding the role of MSMEs in the national economy as well as the efforts needed to increase the competitiveness of the local tea industry. Further research can dig deeper into marketing strategies and supply chain management in the context of MSMEs in the agro-industrial sector.

This research aims to analyze population and economic welfare in Nagori Bosar by focusing on the differences between residents who work outside the village (migrant workers) and those who continue to work within the village. This study uses simple research by collecting data through short interviews conducted directly with the village head of NAGORI BOSAR. The research results show that 40% of Nagori Bosar residents work outside the village, while the other 60% work inside the village. Migrant workers tend to have higher income levels compared to local residents who work in villages. However, economic prosperity is not only determined by income but also by access to health, education and infrastructure facilities. This research also found that poverty and unemployment rates in Nagori Bosar are still high, especially among residents who do not have permanent jobs. The source of income for the people in this village is dominated by the agricultural, small trade and service sectors. Overall, this research reveals that although labor migration makes a significant contribution to increasing family income, there is an urgent need to improve the well-being of local residents through improving infrastructure and increasing access to basic services. The implications of this research indicate the need for more targeted policy interventions to reduce poverty and unemployment in Nagori Bosar.

Processed nutmeg products that can increase the added value of nutmeg, increase income, and provide benefits for nutmeg farmers and industry. One of the cottage industries on Jln. Melanthon Siregar No.204, Siantar Marimbun District, Pematang Siantar. They develop products by processing nutmeg into sweets, dodol, syrup, nutmeg jam and the seeds are processed into nutmeg spices which have many health benefits. . This observation was carried out at the Rupala industrial house. This study aims to obtain information about the use of nutmeg plants (Myristica fragrans) by the community. This research was conducted by survey methods, data collection techniques by interview, direct observation and observation. The study population is the people of Siantar Marimbun District who have processed nutmeg products. The results of the study found that the most processed or produced nutmeg plant organs by Mr. Harry Harahap were fruits and seeds. With the variety of processed nutmeg, it can be used as a typical souvenir of Siantar.

The development of Micro, Small and Medium Enterprises (MSMEs) is an important effort to support the local economy and strengthen the sustainability of local culture. This study explores the marketing strategy and product development of Ulos MSMEs at UD. Steven Pardede, located in jl.Musyawarah No.9 the North Sumatra region, Indonesia. This research uses a qualitative approach by conducting in-depth interviews and direct observations of business owners and related staff. The research results show that UD. Steven Pardede implements a marketing strategy that focuses on strengthening the brand image, increasing product visibility through exhibitions and social media, as well as utilizing partnerships with shops and other companies in distributing their Ulos Batak products. Apart from that, the company also invests in product development through design innovation and product diversification according to market demand. This research provides valuable insight into best practices in marketing and developing Ulos MSME products, as well as highlighting the importance of adapting to market and technological changes in strengthening the competitiveness of MSMEs in the era of globalization. The practical implications of these findings include recommendations for implementing more effective digital marketing strategies and strengthening industry partnerships to support the growth of Ulos MSMEs in local and international markets.

Selama enam tahun terakhir (2015-2020) penjualan listrik meningkat. Pada tahun 2015, pertumbuhan penjualan PLN menurun, namun jumlah pelanggan PLN terus meningkat signifikannya. Pada tahun 2020, pandemi COVID-19 mulai berdampak pada penjualan mulai Mei 2020 hingga Desember 2020. Meskipun pendapatan dan beban usaha pada masa pandemi Covid-19 mengalami penurunan, perusahaan berhasil meningkatkan laba sebesar 0,5% dari Rp44,16 triliun pada tahun 2019 menjadi Rp44,4 triliun pada tahun 2020. Laporan Keuangan yang ada pada PT. PLN (Persero) sebagai dasar penilaian kinerja keuangan perusahaan. Rencana Kerja Anggaran Perusahaan pada kantor PT PLN (persero) pada tahun 2019 jumlah keseluruhan pendapatan usaha (Rp 359.605.880) dikurang dengan jumlah keseluruhan biaya usaha sebesar Rp 315.440.938 adalah sebesar Rp 44.164.942, sedangkan tahun 2020 Jumlah keseluruhan pendapatan usaha (Rp 345.415.637) dikurang dengan jumlah keseluruhan biaya usaha sebesar Rp 301.008.165 adalah sebesar Rp 44.407.472. Data pada laporan keuangan PT PLN (Persero) tahun 2019-2020, total realisasi pendapatan usaha PLN turun 4,1% dari Rp359,60 triliun menjadi Rp345,41 triliun. Kinerja keuangan perusahaan secara keseluruhan diukur berdasarkan lima indikator yang digunakan untuk mengukur kinerja keuangan perusahaan.
 

Penelitian ini bertujuan untuk menganalisis rasio profitabilitas dan rasio aktivitas dalam menilai kinerja keuangan PT Telekomunikasi Indonesia (Persero) Tbk periode 2020-2023. Rasio profitabilitas yang digunakan adalah Return on Asset (ROA) dan Return on Equity (ROE), sedangkan rasio aktivitas meliputi perputaran persediaan, perputaran modal kerja, dan perputaran total aset. Penelitian ini menggunakan metode kualitatif dan teknik analisis data kuantitatif. Hasil analisis menunjukkan bahwa kinerja perusahaan berdasarkan ROA dan ROE masih belum maksimal karena berada di bawah standar industri. Untuk rasio aktivitas, perputaran persediaan mengalami fluktuasi, perputaran modal kerja sudah baik sesuai standar industri, namun perputaran total aset belum optimal karena terlalu banyak dana tertanam pada aset yang kurang produktif. Penelitian ini menyimpulkan bahwa PT Telekomunikasi Indonesia (Persero) Tbk perlu meningkatkan kinerjanya dalam memanfaatkan modal untuk menghasilkan laba serta mengoptimalkan penggunaan aset secara produktif.

Penelitian ini mengkaji hubungan antara neurosains dan pengembangan evaluasi pembelajaran Pendidikan Agama Islam (PAI). Neurosains, sebagai cabang ilmu yang mempelajari sistem saraf dan otak, memberikan wawasan mendalam tentang proses kognitif dan emosional yang mendasari pembelajaran. Penerapan prinsip-prinsip neurosains dalam evaluasi pembelajaran PAI dapat meningkatkan efektivitas dan efisiensi proses pembelajaran dengan lebih memahami bagaimana siswa memproses informasi, mengingat, dan memotivasi diri dalam konteks religius. Studi ini meneliti bagaimana pendekatan berbasis neurosains dapat diterapkan dalam perancangan instrumen evaluasi yang lebih responsif terhadap kebutuhan individu siswa, mempertimbangkan aspek kognitif, emosional, dan spiritual. Hasil penelitian menunjukkan bahwa integrasi neurosains dalam evaluasi PAI tidak hanya membantu dalam pengukuran capaian akademik siswa secara lebih komprehensif, tetapi juga mendorong pengembangan karakter dan pemahaman spiritual yang lebih mendalam. Dengan demikian, pengembangan evaluasi pembelajaran PAI berbasis neurosains menawarkan potensi besar untuk meningkatkan kualitas pendidikan agama yang adaptif dan holistik.