This study aims to analyze the marketing strategy of the Multi-Service Ijarah product at BMT Mentari Bumi Panican, Purbalingga, using a SWOT analysis approach. The Multi-Service Ijarah is a service-based financing product used for non-asset needs such as education, healthcare, and other urgent expenses. Despite its great potential, the utilization rate remains low, accounting for only 19% of the total financing distributed. This research applies both descriptive quantitative and qualitative methods, through questionnaires and interviews with BMT's internal parties. The findings reveal that the main strengths of BMT lie in its fast and friendly service process and the provision of customer education regarding the contract. Its weaknesses include limited socialization and insufficient use of digital technology. Opportunities exist in fulfilling emergency financial needs, particularly for customers requiring flexible repayment options. However, threats arise from the public's lack of understanding of the Ijarah concept and competition from more recognized and accessible financial institutions and Islamic fintech platforms. Based on the identified SWOT factors, the study recommends strengthening promotional strategies, leveraging digital tools, and enhancing community education to improve competitiveness and market penetration of the Multi-Service Ijarah product. This research is expected to contribute to developing more effective marketing strategies in Islamic microfinance institutions.

This research aims to determine the influence of budgetary goal characteristics and decentralization structure on the performance of the Regional Device Organization Disparpora of Merangin Regency.  The sample in this study is the Health Company using the probability sampling technique, resulting in 35 trial samples and 50 respondents for the research sample.  The analysis methods used in this research are classical assumption tests, multiple linear regression analysis, and hypothesis testing with the aid of SPSS V 27 For Windows software.  The method of data collection was through documentation and literature study.  The research results conclude that the characteristics of the budget and the structure of decentralization together have a significant impact on the performance of the regional device organization of the Department of Tourism, Youth, and Sports of Merangin Regency.

This research discusses the business development strategy of Bank Mandiri Banjarnegara Branch using Ansoff Matrix as the main analysis tool. The issue raised is how this branch designs and implements growth strategies amidst banking industry competition and local challenges, such as limited digital infrastructure and customer characteristics. The research objective was to describe the implementation of the four Ansoff Matrix strategies, namely market penetration, market development, product development, and diversification, in the context of branch operations. Qualitative descriptive research was used, with data collection through interviews, observation, and documentation. The results showed that Bank Mandiri Banjarnegara Branch implemented market penetration strategy through active promotion and service improvement, market development strategy by cooperating with customers as mini ATM partners, product development strategy through customer needs survey, and diversification strategy with strict risk mitigation. The conclusion of this study confirms that the application of Ansoff Matrix in a structured manner is able to assist branches in facing competition and optimizing business growth opportunities in non-metropolitan areas.

The development of digital technology encourages business entities to utilize e-commerce to expand their market. However, many have difficulty managing financial reports because the online sales system is not yet integrated. Ewilla Sewing, a convection business, still records finances manually and separately from online sales.  This study designs and implements an integrated e-commerce financial management accounting system to improve the accuracy, efficiency, and reliability of financial reports. The research method uses a descriptive qualitative approach with observation, interviews, and document analysis. The system was developed with a waterfall model. The results of the study show that the system is able to manage finances more efficiently, accelerate reporting, provide real-time data, support internal audits, and help make more appropriate decisions for Ewilla Sewing.

This study aims to analyze the impact of the use of Quick Response Code Indonesian Standard (QRIS), perceived ease of use, and security risk on food purchasing decisions at Resto Tom Sushi, with user experience as a mediating variable. The increasing adoption of digital payments through QRIS and mobile banking (m-banking) has changed consumer transaction patterns, especially in the restaurant industry. This study uses a quantitative approach with a survey method involving QRIS and m-banking users at Resto Tom Sushi. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results showed that the use of QRIS, perceived ease of use, and security risk had a significant effect on purchasing decisions. In addition, user experience plays a mediating role that strengthens the relationship between independent variables and purchasing decisions. These findings emphasize the importance of good user experience and digital literacy in increasing the effectiveness of digital payments and encouraging the adoption of non-cash payments in the culinary sector.

Modern organizations are implementing artificial intelligence (AI) applications to improve human resource management practices through increased decision transparency and improved efficiency outcomes. Decision flexibility, employee acceptance issues, and the risk of bias create significant challenges in AI adoption in HR. This study examines the implementation of AI in the HR function to evaluate its impact on operational efficiency and employee well-being, using a comprehensive theoretical framework integrating Task-Technology Fit, Sociotechnical Systems, Job Demands-Resources, and Explainable AI. The study implemented a mixed-methods design involving explanatory sequential elements to analyze the effectiveness of AI systems and employee perceptions. Quantitative analysis revealed that AI technology improves HR efficiency by up to 45% despite posing challenges in decision-making flexibility. Qualitative exploration identified differences in AI acceptance across organizational levels, with 80% of employees indicating limited understanding of AI decision mechanisms and 60% concerned about potential bias. The study findings suggest that optimal AI implementation requires a collaborative human-AI model that combines algorithmic analysis with human oversight, especially for complex scenarios that require contextual interpretation. This study highlights the importance of algorithmic transparency and targeted communication strategies to increase technology adoption. Organizations should develop comprehensive Explainable AI mechanisms that effectively communicate decision rationales in accessible language, while simultaneously implementing monitoring protocols to evaluate and address potential patterns of bias. This research contributes to the understanding of specific factors that influence successful AI implementation in the HR context, emphasizing that technology optimization and human-centered design represent complementary priorities.

The purpose of this research is to determine the influence of leadership style and organizational culture on employee performance to improve employee performance at PT Bank BTN (Persero) Kuningan Branch Office, South Jakarta, partially and simultaneously. The method used is a quantitative method with a causal associative approach. The population in this study were employees of PT Bank BTN (Persero) Kuningan Branch Office, South Jakarta, with a sample of 50 respondents, data collection techniques using interviews and questionnaires. Data analysis uses validity tests, reliability tests, classical assumption tests, linear regression analysis, correlation coefficient analysis, coefficient of determination analysis and hypothesis testing using SPSS version 25. The results of this research are that the influence of leadership style partially has a positive and significant effect on Employee Performance with regression equation Y = 14.689+0.667 (X1), the correlation coefficient is 0.765, meaning that the two variables have a low relationship with a coefficient of determination of 0.584 and the hypothesis test obtained tcount > ttable or (3.270 > 2.011) so H01 is rejected and Ha1 is accepted. Organizational culture partially has a positive and significant effect on employee performance with the regression equation Y = 12.187+1.299 (X2) with a correlation coefficient of 0.755, meaning that the two variables have a low relationship with a coefficient of determination of 0.570 and the hypothesis test obtained is tcount > ttable or (3.675 > 2.011) then H02 is rejected and Ha2 is accepted. The influence of leadership style and organizational culture simultaneously has a positive and significant effect on employee performance with the multiple linear regression equation Y = 10.889 + 0.387 (X1) + 0.633 (X2). The correlation coefficient value obtained was 0.755, meaning that the independent variable and the dependent variable had a moderate relationship with a coefficient of determination of 63.2% while the remaining 36.8% was influenced by other factors not examined in this research. Hypothesis testing obtained a value of Fcount> Ftable or (40.443 > 3.20), thus Ho3 was rejected and Ha3 was accepted.

This study aims to analyze the influence of financial inclusion and the ability to prepare financial reports on the financial performance of micro-enterprises in the culinary sector in South Kota District. This study uses a quantitative method. Data were collected through a questionnaire. Those selected as research samples based on purposive sampling techniques as a specific form of non-probability sampling were 125 respondents from micro-enterprises in South Kota. The data analysis technique in this study used Structural Equation Modeling (SEM) or a structural equation model operated through the Amos 24 program. The results of the study showed that financial inclusion has a positive influence on financial performance. On the other hand, the ability to prepare financial reports has no influence on financial performance. However, simultaneously these two independent variables contribute significantly to financial performance.

Coal companies in Indonesia each year experience an increase in the amount of production that will be distributed to industries both domestically and abroad. Where some coal companies entrust other companies as contractors in terms of renting heavy equipment units to move overburden or all soil/rock that covers the coal layer. In terms of renting heavy equipment units, the contractor company will calculate the rental cost of the heavy equipment unit when carrying out mining activities by calculating the number of iterations on the heavy equipment unit used. This iteration is the number of heavy equipment work cycles in a certain time unit, sometimes the calculation of the number of iterations has a difference in calculation which results in one party experiencing a loss. Therefore, to overcome the difference in calculation, the researcher created a tool, namely the "Prototype of the Automatic IOT-Based Iteration Calculation Tool on Heavy Equipment Units" so that there is no more difference in the calculation of iterations during the mining process and the productivity of the tool will be in accordance with the planned plan.

This study aims to analyze the influence of e-service quality, e-trust, and e-satisfaction on the repurchase intention of Tokopedia marketplace customers in Padang City, and to examine the role of prior online experience as a moderating variable in this relationship.The study uses a quantitative approach with hypothesis testing to test the causal relationship between the independent and dependent variables. Based on the results of data analysis, it was found that e-service quality and e-satisfaction have a positive and significant effect on repurchase intention, while e-trust does not have a significant effect on repurchase intention. Regarding the role of prior online experience as a moderating variable, the results of the study show that previous online shopping experience is able to moderate (strengthen) the relationship between e-service quality and repurchase intention as well as the relationship between e-satisfaction and repurchase intention. However, prior online experience failed to moderate the relationship between e-trust and repurchase intention. Based on the results of the analysis, it shows that the quality of electronic services and customer satisfaction supported by previous positive experiences are key factors that drive repurchase intention on the Tokopedia marketplace, while consumer trust does not relatively affect repurchase intention in the context of this study.