This study aims to analyze the business position of BMT Dana Mentari Muhammadiyah Purwokerto using the McKinsey Matrix as a strategic analysis tool. The method used is a qualitative approach with data collection through literature studies, observations, and interviews with BMT managers. The data obtained were analyzed using the McKinsey Matrix to assess market attractiveness and business strength in each business unit. The study results indicate that most of the BMT Dana Mentari Muhammadiyah Purwokerto business units are in the blue and yellow zones in the McKinsey Matrix, indicating the need for selective development and maintenance strategies. This analysis also recommends effective and efficient resource allocation to improve the competitiveness and performance of BMT in the Islamic microfinance market. Thus, the use of the McKinsey Matrix has been proven to help BMT in determining the priority of business strategies that are adaptive to market dynamics and competition.

This paper provides a comprehensive examination of the concept and implementation of skill management as a cohesive set of competencies encompassing technical, interpersonal, conceptual, and strategic skills within organizational and entrepreneurial contexts. The background highlights the critical role of skill management in addressing the challenges posed by a highly competitive and rapidly evolving business environment, where mastery of these competencies determines both individual and organizational effectiveness in planning, organizing, leading, and controlling resources to achieve collective objectives. Grounded in a literature review of seminal works by Robbins & Coulter, Katz, Drucker, Mintzberg, Armstrong, and Barney & Hesterly, this study adopts a structured approach that covers definitions, classification of skill types, their roles in organizations, development strategies, implementation challenges, and applications in entrepreneurship. The findings indicate that: (1) technical, human, and conceptual skills are complementary across different managerial levels; (2) skill development requires a blend of formal education, field practice, mentorship, and technology utilization; (3) primary challenges include technological adaptation, complexity of decision-making, and limitations in training resources; and (4) in entrepreneurial ventures, effective skill management is fundamental to planning, finance, human resources, innovation, and communication. In conclusion, skill management should not be viewed as a static competency but as a strategic asset that must be continuously enhanced through lifelong learning, enabling both individuals and organizations to sustain growth and resilience in the era of globalization and digital transformation.

Penelitian ini memiliki tujuan untuk menganalisis hubungan antara faktor – faktor sosial ekonomi dan infrastruktur terhadap kualitas lingkungan hidup dalam 34 provinsi di Indonesia dari tahun 2019 hingga 2023. Analisis yang dilakukan menggunakan analisis data panel dan model Fixed Effects Model untuk menganalisis bagaimana kepadatan penduduk, aktivitas industri, tingkat pendidikan, akses sanitasi, panjang jalan, dan cakupan kelistrikan mempengaruhi tingkat Indeks Kualitas Lingkungan Hidup di Indonesia. Hasil dari penelitian ini menunjukkan adanya hubungan yang kuat antara tingkat pendidikan dengan kualitas lingkungan hidup secara positif. Akses sanitasi, kelistrikan, dan panjang jalan juga menunjukkan hubungan yang cukup terbukti secara statistik. Hal tersebut menunjukkan adanya hubungan antara infrastruktur dengan kualitas lingkungan hidup. Akan tetapi, kepadatan penduduk dan pangsa industri tidak terbukti memiliki hubungan dengan kualitas lingkungan hidup. Uji Moran’s I yang dilakukan pada penelitian ini membuktikan tidak adanya korelasi autospasial yang menunjukkan adanya keterbatasan ketergantungan spasial pada hasil kualitas lingkungan pada level provinsi. Penelitian ini menekankan kebutuhan untuk pengembangan sektor pendidikan dan infrastruktur dasar untuk mendukung perbaikan lingkungan.

A state-owned insurance company owned by a State-Owned Enterprise (BUMN) with indications of losses of 13.7 trillion which had a systemic impact on the Indonesian economy. The negative stigma regarding insurance is so difficult to eliminate that it has an impact on public trust in the sharia insuranceindustry. PT. Bumiputera Sharia Life Insurance Kediri was affected by the national crisis-trust, the result in claims debt costs arised. The purpose of this research is to analyze the public relations strategy of PT. Bumiputera Sharia Life Insurance Kediri in maintaining customer trust. This research is qualitative type using descriptive analysis. The data taken is primary data and secondary data. This research uses case studies that obtain observation data on an object and from various sources such as books, scientific articles, official websites, and data reports on the objects studied. The results of this research explain that strategy public relations used by PT. Bumiputera Sharia Life Insurance, Kediri branch, namely making an apology, stopping marketing until the problem is resolved, encouraging a positive track record, and appointing an unofficial spoke person. The role of strategy public relations PT. Bumiputera Sharia Life Insurance, Kediri branch, still has customers who persist and regularly pay premiums, amounting to 96% of the total number of customers or 2,014 surviving customers.

Desa Celuk di Kabupaten Gianyar, Bali merupakan pusat industri kerajinan perak berkualitas tinggi yang memadukan keterampilan pengrajin dan kearifan lokal. Produksi kerajinan perak melibatkan proses pelapisan logam yang menghasilkan limbah padat, emisi gas, dan larutan elektrolit yang berpotensi mencemari lingkungan. Kedua UMKM berusaha untuk aktif dalam keberlanjutan usaha yang selama ini kurang tercermin dalam praktik akuntansi. Hal ini menunjukkan urgensi implementasi tanggung jawab sosial perusahaan yang lebih efektif untuk mendukung keberlanjutan UMKM. Penelitian ini bertujuan untuk menganalisis implementasi CSR pada dua UMKM kerajinan perak di Desa Celuk, yaitu Yan Yan Silver dan Sari Dewi. Pendekatan kualitatif digunakan dengan mengumpulkan data melalui observasi langsung dan wawancara semi-terstruktur. Data dianalisis dengan menggunakan teknik reduksi dan triangulasi untuk memastikan keabsahan temuan. Hasil penelitian menunjukkan bahwa Yan Yan Silver menerapkan pengelolaan limbah yang baik melalui pengumpulan limbah elektrolit di tempat khusus, menjual debu produksi ke pengepul, dan mendaur ulang sisa perak. Omset yang stabil mendorong UMKM untuk memberdayakan masyarakat sekitar dengan merekrut tenaga kerja lokal, berkontribusi pada kegiatan tradisional, memperbaiki fasilitas umum, dan berkolaborasi dengan pengrajin lokal.  Sementara itu, Sari Dewi menekankan pelestarian lingkungan dalam proses produksinya melalui penggunaan air murni dan daur ulang sisa-sisa perak. Namun, keterlibatannya dalam aspek sosial lebih terbatas, tercermin dari sistem rekrutmen yang berfokus pada kompetensi dan partisipasi minimal dalam kegiatan sosial di luar perusahaan.  Temuan ini menunjukkan bahwa Yan Yan Silver memprioritaskan tanggung jawab sosial berbasis masyarakat, sementara Sari Dewi berfokus pada kelestarian lingkungan.

The existence of BMT as a sharia microfinance institution has an important role for the community, especially small community business actors, in efforts to empower the economy. So researchers are interested in examining the prospects for establishing Baitul Maal Wat Tamwil (BMT) by looking at the various potentials in China District and the level of community need, especially for small businesses, for business capital financing. The aim of establishing BMT in Cina District is to empower the people's economy, eradicate poverty, social poverty can be reduced so that economic justice, prosperity and welfare of the community can be achieved and what is more important is the importance of poverty free from the bondage of loan sharks. This problem is seen using a qualitative approach using descriptive data, namely research in which data is extracted through observation and interviews with informants based on criteria determined by researchers which are considered to support the prospects for establishing BMT in Cina District. The final conclusion is that there are quite good prospects for building BMT in the Cina District in the future because there is potential that supports the establishment of BMT (Strengths and Opportunities) but there are also obstacles (weaknesses and threats) in establishing BMT in the Cina District. So the author created the SO strategy (using strengths to take advantage of opportunities), the WO strategy (minimizing weaknesses to take advantage of opportunities), the ST strategy (using strengths to overcome threats) and the WT strategy (minimizing weaknesses and avoiding weaknesses).

Akurasi passing memegang peran penting dalam permainan futsal. Tujuan penelitian ini adalah untuk mengetahui pengaruh latihan passing aktif berpasangan dan berkelompok terhadap akurasi passing pada Ekstrakurikuler Futsal SMA N 2 Purbalingga. Penelitian ini menggunakan penelitian jenis kuantitatif. Metode yang digunakan yaitu eksperimen dengan pola Two Groups Pretest-Posttest Design. Populasi yang digunakan dalam penelitian ini adalah semua peserta laki-laki futsal SMA N 2 Purbalingga. Sampel penelitian ini adalah 20 pemain Ekstrakurikuler Futsal SMA N 2 Purbalingga tahun 2024 dengan teknik total sampling. Instrumen penelitian dan teknik pengumpulan data yang digunakan dalam penelitian ini adalah tes akurasi passing Suparjo. Hasil analisis data diperoleh hasil pada kelompok eksperimen 1 diketahui thitung = 10, 247 > ttabel = 2,262, berarti ada pengaruh yang signifikan dari latihan passing aktif berpasangan, pada kelompok eksperimen 2 diketahui thitung = 5,075 > ttabel 2,262, berarti ada pengaruh yang signifikan dari latihan passing aktif berkelompok. Berdasarkan analisis data maka diketahui peningkatan persentase latihan passing aktif berpasangan sebesar 40,69% dan latihan passing aktif berkelompok sebesar 19,76%. Kesimpulan dari penelitian ini adalah metode latihan passing aktif berpasangan memberikan pengaruh lebih baik daripada metode latihan passing aktif berkelompok terhadap akurasi passing pada Ekstrakurikuler Futsal SMA N 2 Purbalingga.

Biofertilizer is an environmentally friendly fertilizer, has a long release time so it can be absorbed by plants long enough, and has enzymatic activities such as binding nitrogen and dissolving phosphate. Phosphate solubilizing bacteria (BPF) can dissolve phosphate that was previously unavailable to become available. This research aims to further examine the potential of BPF isolates from Kalimantan as a liquid biofertilizer agent using coconut water as a medium. The research was conducted for 3 months, from June to August 2023 at the Microbiology Laboratory, Biology Department, Faculty of Mathematics and Natural Science Tanjungpura University, Pontianak. This research used a Completely Randomized Design (CRD) with 8 treatments and 3 replications using the Total Plate Count method. The results of the study showed that the highest treatment is a treatment of A4 on day 6 with an average density of 9,4x108 CFU/mL. The BPF which has the highest potential as a biofertilizer is found in treatment A4, the combination bacterial isolates of Bacillus sp1 and Bacillus sp2, supported by the high population treatment of A4 during each storage. Liquid biofertilizers have many advantages compared to solid biofertilizers, including having a higher number of microbial cells, longer shelf life, greater protection against the environment and better effectiveness in the field. This study can provide information on the density of liquid biofertilizer bacteria using environmentally friendly coconut water media for the community by using phosphate-solubilizing bacteria (Bacillus spp.) from West Kalimantan peat soil.

Pembelajaran yang efektif sangat penting untuk keberhasilan pendidikan, terutama dalam pendidikan jasmani. Penelitian ini bertujuan untuk mengembangkan model pembelajaran senam ritmik yang lebih menarik bagi siswa sekolah menengah pertama di Kecamatan Karanganom, Kabupaten Klaten, Jawa Tengah, dengan menciptakan produk senam “Sahaja Renjana”. Metode yang digunakan dalam penelitian ini adalah penelitian dan pengembangan (R&D). Hasil uji coba skala besar menunjukkan bahwa aspek kognitif peserta didik memperoleh nilai rata-rata sebesar 63,75% (Cukup Baik), meskipun siswa cenderung bermain sendiri dan kurang memperhatikan saat praktik. Pada aspek afektif, siswa mencapai presentase 64,57% (Cukup Baik), menunjukkan bahwa senam sahaja renjana efektif dalam mengajarkan sikap kerjasama, kejujuran, tanggung jawab, dan sportifitas. Aspek psikomotorik menunjukkan presentase 68,4% (Cukup Baik), menandakan bahwa senam sahaja renjana diterima dengan baik oleh peserta didik. Penelitian ini diharapkan dapat memandu para guru dalam menciptakan pengalaman belajar yang inovatif dan efektif pada peserta didik Sekolah Menengah Pertama (SMP).