Micro, Small and Medium Enterprises (MSMEs) play a significant role in the economy, but often face obstacles in accessing financing. Credit performance guarantee is one of the mechanisms to mitigate risks for financial institutions. Along with the development of financial technology, innovative credit scoring emerged as an alternative method of assessing the creditworthiness of MSMEs. This research aims to analyze the legal effectiveness of the application of MSME credit performance guarantees based on innovative credit scoring. This research uses a normative juridical method with qualitative juridical analysis to try to examine and analyze the problems studied. The application of innovative credit scoring in MSME credit performance guarantees has the potential to increase the legal effectiveness of guarantees through a more comprehensive and accurate risk assessment. However, its implementation requires regulatory clarity regarding scoring standards, personal data protection, and dispute resolution mechanisms. An adaptive and responsive legal framework to technological innovation is crucial to optimize the role of innovative credit scoring in strengthening the effectiveness of MSME credit performance guarantees and promoting financial inclusion.
 
 
 

This study aims to analyze the extent to which motivation influences students' learning interest in the Islamic Cultural History (SKI) subject at MTs Muslimat NU Palangka Raya. The research was prompted by the phenomenon of low student interest in learning, despite the relatively high levels of motivation provided by teachers. A quantitative approach with a descriptive method was employed in this study. The sample consisted of 70 students from grades VII and VIII, selected using a total sampling technique. Data were collected through questionnaires and documentation, and analyzed using simple linear regression with the assistance of SPSS version 25. The results revealed a significant relationship between motivation and learning interest, although the correlation was negative. This is evidenced by a significance value of 0.009, which is less than 0.05, and a correlation coefficient of -0.330. In other words, an increase in motivation appears to be inversely related to students’ interest in the SKI subject. These findings suggest that not all forms of motivation have a positive effect on learning interest, highlighting the need to reevaluate the motivational strategies applied in schools. It is hoped that this study can serve as a reference for educators in developing more effective teaching strategies that can foster student interest in learning in a positive and sustainable

In Tanjungpinang, street vendors' (PKL) resistance to government policy demonstrates the complex dynamics of informal economy management. The purpose of this research is to gain an understanding of the different types of PKL resistance, the methods they use, and how it impacts on local economic policy. Relevant scientific documents were analyzed using a literature study approach. The results show that street vendors not only carry out physical resistance, but also carry out symbolic and cultural actions. As a result, organized social movements emerge. The government's top-down policies often cause tensions, so discussions and cooperation are needed to create more inclusive and participatory policies. Economic empowerment, spatial flexibility, and the development of public-private partnerships are some of the suggested solutions. It is hoped that this research will make a significant contribution to building a policy model that is more responsive to the social realities of society, especially with regard to vulnerable groups.

Gotong royong is a cultural value deeply embedded in Indonesian society, especially in Penglipuran Village, Bali. This village preserves local wisdom that prioritizes togetherness and cooperation in various aspects of life. This study aims to analyze the implementation of gotong royong values in the daily lives of Penglipuran residents and how these values are taught to younger generations. Using a qualitative method with in-depth interviews, the findings reveal that gotong royong is practiced in environmental cleanliness, traditional ceremonies, and other social activities. These values are passed down through informal education within families and project-based activities in schools. Despite the lack of financial support from the government, the community maintains the spirit of gotong royong through social sanctions for those who do not participate. This study highlights how local wisdom can serve as an effective medium for instilling the values of gotong royong in younger generations.

The aim of this study is to develop and substantiate a structural and content model for the formation of foreign language communicative competence (FLCC) in students of natural science specialties within the context of professionally oriented education. The research identifies the key components of FLCC, including linguistic, sociocultural, pragmatic, and strategic elements, alongside essential subcompetencies crucial for effective communication in both scientific and professional contexts. The study utilizes a blend of professional-competence, professional-personality-oriented, professional-interactive, and subject-professional approaches to ensure alignment with modern professional standards and to address the individual learning needs of students. It also outlines the necessary linguodidactic conditions for the successful implementation of the model, emphasizing the integration of foreign language training with specialized scientific disciplines, the promotion of active communicative practices, the enhancement of students’ academic autonomy, and the modular structuring of content. The results demonstrate the effectiveness of this approach in systematically developing students’ capacity for professional and scientific communication in a foreign language. This study contributes to the field of language education by offering a comprehensive framework for developing FLCC in line with the demands of the international academic and professional environments.

This study aims to analyze the business condition of BMT Bahtera in entering the market of the syariah financial services industry using a General Electric Matrix approach. The method used in this study was in-depth interviews with the internal informant from BMT. The research result shows that BMT Bahtera’s strength is on the digitalization services, Human Resources competencies and saving and financing products innovation. Despite recently entering the Purwokerto territory, the business is growing with high potential market share using direct promotion strategy and effective institutional cooperation.

Profitability is a key indicator in assessing the financial performance and operational sustainability of a bank. However, during the 2021-2023 period, the Islamic banking industry in Indonesia faced various challenges, especially regarding operational efficiency and financing management. This challenge can be seen from the unstable value of the Net Operating Margin (NOM), the high ratio of Operating Expenses to Operating Income (BOPO), and the imbalance in the Financing to Deposit Ratio (FDR). This study uses a quantitative approach with secondary data from the annual financial statements of Islamic Commercial Banks for the 2021-2023 period which are accessed through the OJK official website. The object of research includes all Islamic Commercial Banks operating during this period, with a sample of 10 banks selected through purposive sampling method. The data were analyzed using IBM SPSS version 30.0 in 2024 with descriptive statistical analysis techniques, classical assumption tests, multiple linear regression, hypothesis testing, and coefficient of determination (R²) tests. The results of this study indicate that partially the Net Operating Margin (NOM) variable has a significant effect on Profitability (ROA). While the variable Operating Cost of Operating Income (BOPO) and Financing to Deposit Ratio (FDR) has no effect on Profitability (ROA).

The purpose of this study was to determine the significant or insignificant influence of customer friendliness and availability of goods on purchasing decisions at the 5F clothing store in Batu Ajamu Market, Panai Hulu District. The study used quantitative methods and an associative causality approach. The data collection technique used was through observation and interviews. The sample in this study was 99 respondents or consumers. The sampling technique was simple random sampling. The data analysis technique used statistical techniques/SPSS by conducting validity and reliability tests, then for the questionnaire and multiple linear regression analysis with the T Test and F Test to prove the hypothesis. The results showed that there was a close and significant influence of customer friendliness on purchasing decisions, there was no close and significant influence of the availability of goods on purchasing decisions, the influence of customer friendliness and availability of goods was 35.6% and the remaining 64.4% was influenced by other factors and variables.

The company's success is influenced by employee performance, one of the main factors of which is work motivation. Motivation can come from intrinsic factors, such as job satisfaction and self development, as well as extrinsic factors, such as salary, incentives, and work environment. This study aims to analyze the effect of motivation on employee performance at Alfamart Perumnas Kamal with qualitative methods through in-depth interviews. The results showed that high motivation improves performance, while lack of appreciation, excessive workload, and poor communication lower morale. The main factors that drive motivation are career opportunities, job stability, and the reward system. Alfamart is advised to increase training, improve incentives, and strengthen internal communication to create a more conducive work environment, thereby increasing employee productivity and loyalty.

The increasing intensity of ultraviolet (UV) radiation due to global warming poses serious risks to skin health and has led to a rising market demand for natural-based skincare products. Jabiras Body Scrub is an innovative body care product formulated from guava and brown rice to protect and nourish the skin from UV exposure. This program aims to produce an organic-based skincare product while empowering local farmers as raw material suppliers. The target market includes men and women aged 17 and above across Indonesia, including visiting tourists. Laboratory tests show that each 50-gram package of Jabiras contains 3% vitamin C and 1% antioxidants, which are effective in improving skin condition within two weeks. The product is registered with a Business Identification Number (NIB) and has obtained Intellectual Property Rights (IPR) for its brand and promotional flyer. Marketing strategies are carried out digitally via social media and e-commerce, as well as conventionally through entrepreneurship expos and word of mouth. This initiative has reached its break-even point, with a total of 250 units sold from May to September, generating IDR 9,750,000 in revenue. This activity not only achieved its sales targets but also strengthened the foundation for a sustainable business model that supports local farmers.