Deposits are straightforward investment instruments that offer fixed interest over a specified period, serving as a profitable product for banks. They play a crucial role in supporting banking operations, particularly within the internal scope of the institution. This study aims to examine the causal relationships between deposit interest rates, inflation, and money supply on the total deposits held by banks. A Vector Error Correction Model (VECM) is employed to investigate these relationships in both the short and long term. The analysis reveals that inflation and money supply significantly influence the volume of deposits in the short term. Conversely, deposit interest rates do not exhibit a substantial short-term impact on the total funds deposited. In the long term, all independent variables—deposit interest rates, inflation, and money supply—demonstrate a considerable effect on the amount of deposited funds. These findings provide valuable insights for banks, enabling them to optimize their funding strategies through deposit products while addressing challenges posed by macroeconomic fluctuations

This study examines the role of Artificial Intelligence (AI) in personalizing customer experiences, focusing on the benefits, challenges, and opportunities presented by this technology. AI enables companies to enhance operational efficiency while creating more personalized customer experiences through deep data analysis. The technology provides relevant product and service recommendations, optimizes every stage of the customer journey, and improves engagement and satisfaction. The research was conducted through webinars involving various groups, including academics, practitioners, and the general public. The findings indicate that AI implementation offers significant benefits, such as improved operational efficiency and customer satisfaction. However, ethical, privacy, and data security challenges require a responsible implementation approach. With a strong ethical framework, AI can continue to be developed to support innovation without compromising customer rights protection.

This research aims to determine the results of the effect of implementing AM (Autonomous Maintenance) on the AZ7 and T2D machine slitting process at the PT factory. Lami Packaging Indonesia addresses production downtime by setting new cleaning standards and standard inspections. The method used in solving problems using the Autonomous Maintenance (AM) method aims to increase the knowledge, responsibility and skills of production operators related to machines, so that productivity will increase overall.

Teachers are the most important component in the learning process in education. However, many students are not interested and bored during the learning process; some even fall asleep after being promised something. Students' ability to understand learning materials is influenced by various internal and environmental variables. Helping students in learning will have a negative impact on their development and quality of life in the future if not managed properly by parents and teachers. Therefore, parents, schools, and instructors all contribute to helping children overcome their challenges. Teachers have an important influence in the lives of their students. Thus, this diagnostic seeks to identify the root causes of students' learning challenges and identify solutions. This study aims to (1) identify factors that cause learning difficulties, (2) identify procedures and techniques for analyzing learning difficulties diagnosis, (3) determine the location of students' learning challenges or problems, and (4) help students who experience learning difficulties. Data collection was carried out using two techniques, namely observation of the teaching and learning process (PBM) and the student environment, as well as interviews with parents and instructors. According to the results of the study, students were less enthusiastic about learning because they were less interested and even tended to be lazy. Some students dislike some subjects because of their inability to understand certain elements. Therefore, such students rarely complete the assignments given and almost never take notes on certain lesson topics. Furthermore, the lack of interest in learning for some students can also be caused by their inability to understand the information that the instructor is trying to convey. This is caused by the failure of teachers to provide detailed examples of how to solve problems, and some teachers even fail to include examples when explaining the lesson content.

This study aims to examine the influence of strategic leadership and organizational culture on student performance, particularly in preparing them to address global challenges and capitalize on future opportunities. The research adopts a quantitative approach, utilizing data collected through questionnaires distributed to 100 undergraduate students aged 17–27 years. The data were analyzed using validity and reliability tests, as well as descriptive analysis, with the assistance of Microsoft Excel. The findings reveal that strategic leadership significantly and positively influences student performance, especially in enhancing strategic decision-making and problem-solving skills. Moreover, a robust organizational culture substantially contributes to the development of students' character, including attributes such as collaboration, accountability, and innovation. The synergy between these two factors fosters improved student performance both academically and non-academically, equipping them to become competitive and impactful individuals in the professional world. The study recommends that higher education institutions incorporate strategic leadership elements and organizational culture values into their curricula and extracurricular activities. Future research is encouraged to broaden the sample scope and investigate additional variables, such as the role of technology in influencing student performance.

This study explores the use of locutionary speech acts in the podcast “Self-Development” by Andreass Bodres which is currently popular on the spotify application. Podcasts as digital audio media have become a forum for various discussions, including the topic of self-development. The methodological approach and theoretical approach are applied as an approach to the analysis of this research. Methodological approach uses a qualitative descriptive method, and the theoretical approach in analyzing speech acts uses analytical methods in the field of pragmatics. Locutionary speech acts, which are related to the literal meaning of an utterance, are considered crucial in conveying messages effectively in the context of podcasts. This study aims to identify the dominant types of locutionary speech acts in the podcast, and to analyze how these speech acts contribute to building the narrative and inspiring listeners. By analyzing the podcast transcripts, this research is expected to provide a deeper understanding of the communication mechanisms in self-development podcasts. The analysis results contained in the 6 “Self Development” podcasts on Andreas Bodres' spotify channel include 13 declarative or news speech acts, 6 questioning speech acts, and 15 reminding speech acts. To produce 34 data in the form of locutionary speech acts. This research is expected to contribute to the knowledge and insight of researchers about the analysis of speech acts carried out on the “Self Development” podcast on Andreas Bodres' spotify channel. This research is expected to contribute to the field of linguistics, especially pragmatics, and provide insight for podcast creators, listeners, and other researchers. In addition, this study also reveals how the context and purpose of communication affect the choice of speech acts used, as well as their impact on audience understanding and engagement.

This study aims to evaluate performance at PT Nikomas Gemilang, one of the largest footwear manufacturers in Indonesia, using Critical Incident Technique (CIT). This method is used to identify critical incidents that have a significant impact on the success or failure of the company's operations. Data was obtained through in-depth interviews, direct observation, and document analysis such as performance and work incident reports.The results showed that the most frequent critical incidents included production errors (40%), logistics delays (27%), and work accidents (20%). The main causes include a lack of technical training, weak coordination between departments, and minimal attention to safety standards. These incidents negatively impacted the company's productivity, product quality, and operational efficiency.Through the implementation of CIT, PT Nikomas Gemilang was able to identify the root causes of the problem and develop strategic measures, such as employee training programs, strengthening coordination with ERP technology, and improving work safety standards. With this data-driven evaluation, the company is expected to reduce the risk of similar incidents in the future, improve operational efficiency, and maintain competitiveness in the global market.

In the ever-evolving digital era, the concept of "Think Globally, Act Locally" emerges as a key strategy for managing creative and innovative digital businesses. This study aims to explore how companies can integrate global approaches with local adaptations to enhance business competitiveness. The research method involves literature analysis, interactive discussions in webinars, and case studies on digital strategy implementation. Findings reveal that the success of digital businesses is highly influenced by their adaptability to local market needs while maintaining a global vision. The study implies the significance of innovation and creativity in developing culturally relevant products and services, along with leveraging digital technology as a strategic tool. Strategies combining local and global perspectives have the potential to foster sustainable business growth.

The rapid development of language means that young people, such as students, must understand the proper and correct use of language.  People need information for learning and entertainment purposes. For this reason, educational viewing is needed to uphold the factuality and up-to-dateness of the information on YouTube. This research focuses more on analyzing facts about animals, in addition to analyzing elocutionary speech acts in videos. This research is based on two reasons, namely practical and theoretical reasons. For practical reasons for conducting this research, it was found that many elocutionary speech acts on the Sisi Terang YouTube channel had an animal theme, in the playlist, we found discussions about animal facts. Apart from that, this research was conducted to provide information about things correlated with illocutionary speech acts, which are widel implemented in human life and can classify the form, function, and types of illocutionary speech acts. Qualitative research is included in this research methodology so that it can produce descriptive data. The techniques used in this research are note-taking techniques and pragmatic analysis techniques to produce data. Matched data and collection techniques are also used in this analysis when presented as formal and informal data. Based on the study on the Bright Side YouTube Channel with an Animal Theme in the Form of Locutionary Speech Acts, 62 news sentences, 32 question sentences, and 49 command sentences were found. In addition to being used in this research to analyze the form of illocutionary speech acts on the Animal-Themed Bright Side YouTube Channel, this research also has the benefit of adding new insight into the study of pragmatics, specifically in the use of social media.

Digital transformation in the Industry 4.0 era significantly impacts the effectiveness of human resource management (HRM). This article discusses the impact of digital transformation on HRM, focusing on changing roles, developing digital skills, and utilizing technology for more effective and efficient decision-making. In the past, HRM focused on administrative aspects, but now, there is a demand to develop digital skills for employees in response to modern workplace dynamics. Digital competencies are becoming essential and contributing to increased productivity and organizational competitiveness. This transformation requires a more adaptive competency-based approach to ensure employees have skills relevant to technological developments. HR management facilitates this adaptation through appropriate training and technology implementation in data-driven decision-making processes. By doing so, organizations can respond to challenges and take advantage of new opportunities in the digital era. The World Economic Forum (2020) emphasizes that digital skills, such as technological understanding, data analysis, and digital device proficiency, are now an essential foundation for competitiveness in the modern job market. With the paradigm shift from an administrative function to a strategic role, innovative leadership is required for HRM to support organizational success in the face of Industry 4.0.