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.

The development of technology and information accompanied by the growth of the number of hospitals has encouraged the hospital business to become increasingly competitive. Currently, government and private hospitals implement various marketing public relations strategies to build trust, increase loyalty, and build company reputation. The purpose of this study is to describe the marketing public relations program of regional general hospitals in Bandung Regency in building communication with the public. This study uses a qualitative approach with descriptive studies. The data collection techniques used were literature studies, observations, and in-depth interviews. The results of the study show that hospitals implement marketing public relations to build communication with the public. The marketing public relations program implemented by the hospital is health promotion, patient services, special events, and collaboration with external publics. Health promotion is carried out to improve the level of public health. Patient services are provided to serve various queries and consultations from patients. Special events are held in collaboration with third parties such as foundations, communities, and companies. Meanwhile, collaboration is carried out with insurance, companies, and mass media. Digital media and mass media are used to optimize health education to the wider community.

A contract is an agreement by which two or more people bind themselves to each other, and one of the most common types of contract in everyday life is a sale and purchase. This sale and purchase agreement can be made in writing or verbally. In the community in Pasemah Air Keruh district, the oral agreement has become a custom and tradition that is used as a basis for making oral agreements. However, in oral agreements it is very vulnerable and easy for the parties to default and the legal force of this oral agreement is difficult to prove. The purpose of this research is to find out how the oral sale and purchase agreement of rice harvest is implemented by the community in Pasemah Air Keruh Subdistrict, and to find out how disputes are resolved when there is a default in the oral sale and purchase agreement in Pasemah Air Keruh Subdistrict. The method used in this research is Empirical Juridical. The method of analysis in this research uses qualitative methods. The results of this research are the implementation of the sale and purchase agreement carried out by the community of Pasemah Air Keruh Subdistrict based on trust and has become a habit in the community, this oral sale and purchase agreement is supported by an open system in Book III of the Civil Code, which adheres to an open system. The settlement of disputes that occur in the community of Pasemah Air Keruh Subdistrict is resolved by means of family consultation.

Horse racing is a tradition that is still ongoing and is favored by the people of Sumbawa Island in general, one of which is the Bima community who knows this tradition as a jara pacoa which is ridden by children aged 5 (five) to 12 (twelve years), known as the little jockey. These young jockeys have become part of the ongoing tradition since before the regulation regarding the provisions of the age of children regulated in the law and is still undergoing the same tradition when the laws and regulations have regulated the provisions of the age of children and their rights and obligations in Indonesia. The study was conducted by doctrinal method with literature study. Writing data uses secondary data derived from written legal material, books and scientific work, which then the authors complete with observations, and interview results. The right of the community to maintain the tradition and its cultural values is protected by the law, as well as the rights of children, in the tradition of jara Pacoa can be a forum for children to excel, not exploited if the government makes regulations and more serious regulations both for protection of children and the Pacuan arena.

This study uses the Quantitative Descriptive method, sample selection is carried out by purposive sampling method, namely the researcher chooses MSMEs Bakso Mas Eko Rawasikut Karawang. The purpose of this study is to know, analyze, calculate and explain how the business feasibility of Bakso Mas Eko Rawasikut Karawang MSMEs and how the business feasibility of the Rawasikut Karawang swimming pool. Data was collected through observation, interviews and documentation. The results of this study show that Bakso Mas Eko and Rawasikut Karawang Swimming Pool MSMEs are declared feasible, because the results of the NPV calculation are positive and the Profitability Index value is PI>1. In the business feasibility of MSMEs Bakso Mas Eko Rawasikut and Rawasikut Karawang Swimming Pool, the results of the analysis show that it is more feasible to develop between Bakso Mas Eko Rawasikut and Rawasikut Swimming Pool, namely Bakso Mas Eko Rawasikut through the calculation of its financial feasibility.

Penelitian   ini   bertujuan   untuk   menganalisis   manajemen   pembiayaan   pendidikan   sebagai   salah   satu   komponen   penting   dalam   keberlangsungan   dan   peningkatan   mutu   pendidikan.   Pembiayaan   pendidikan   mencakup   seluruh   proses   perencanaan,   pelaksanaan,   pengawasan,   dan   evaluasi   pengelolaan   dana   pendidikan   agar   dapat   digunakan   secara   efektif   dan   efisien.   Metode   yang   digunakan   dalam   penelitian   ini   adalah   studi   kualitatif   dengan   pendekatan   deskriptif-analitis,   berdasarkan   telaah   literatur   dan   data   sekunder   dari   berbagai   sumber   terkait   kebijakan   dan   praktik   pembiayaan   pendidikan   di   Indonesia.   Hasil   analisis   menunjukkan   bahwa   tantangan   utama   dalam   manajemen   pembiayaan   pendidikan   meliputi   ketimpangan   distribusi   dana,   transparansi   penggunaan   anggaran,   serta   keterbatasan   kapasitas   manajerial   di   tingkat   satuan   pendidikan.   Diperlukan   strategi   peningkatan   tata   kelola   keuangan,   penguatan   akuntabilitas,   dan   kolaborasi   antarpemangku   kepentingan   untuk   memastikan   bahwa   pembiayaan   pendidikan   dapat   mendukung   pencapaian   tujuan   pendidikan   nasional   secara   berkelanjutan.