Abstract:Operasional perbankan syariah di Indonesia telah mengalami pertumbuhan yang signifikan dalam beberapa tahun terakhir, sejalan dengan semakin meningkatnya kesadaran masyarakat negara ini terhadap produk-produk keuangan yang…
ng sesuai dengan prinsip syariah. Tujuan dari penelitian ini yaitu untuk menganalisis peluang dan tantangan yang dihadapi bank syariah di Indonesia dan memberikan rekomendasi strategis untuk memaksimalkan pertumbuhan industri ini. Metode yang digunakan dalam penelitian ini analisis kualitatif dengan mengumpulkan data sekunder dari laporan Otoritas Jasa Keuangan (OJK), publikasi akademik, dan laporan tahunan bank syariah. Hasil survei menunjukkan bahwa meskipun aset dan pendanaan bank syariah meningkat secara signifikan, tantangan seperti rendahnya literasi keuangan masyarakat, ketatnya persaingan dengan bank konvensional, dan ketidakpastian peraturan masih menjadi kendala utama. Terlebih lagi integrasi budaya kerja pasca merger merupakan isu strategis yang harus diperhatikan. Untuk mengatasi tantangan ini diperlukan upaya edukasi kepada masyarakat mengenai produk perbankan Syariah, inovasi dalam pengembangan produk, serta kerja sama dengan fintech dan pemerintah dalam rangka mendukung terciptanya regulasi. Langkah-langkah ini akan memungkinkan bank-bank Islam Indonesia untuk memaksimalkan potensi pertumbuhannya dan memberikan kontribusi yang signifikan terhadap perekonomian nasional dan kepentingan publik. Diharapkan penelitian ini dapat memberikan wawasan bagi para pemangku kepentingan untuk merumuskan strategi pengembangan perbankan Syariah di masa mendatang.
Abstract:This research aims to analyze public administration ethics in the implementation of work at the West Sumatra Province Social Service. Public administration ethics is an important aspect that influences the quality of public…
lic services and public trust in the government. The method used in this research is a qualitative approach with data collection techniques through interviews, observation and documentation studies. The research results show that there are several challenges in implementing public administration ethics, such as a lack of employee understanding of the code of ethics, low transparency in decision making, and the practice of nepotism. However, there are also efforts made by the Social Service to improve work ethics, such as ethics training for employees and implementing a monitoring system. This research recommends the need to increase ethical awareness among employees and strengthen monitoring mechanisms to create a more ethical and transparent work environment.
Abstract:This study evaluates the effectiveness of the East Java Province DPMPTSP marketing communication strategy in investment promotion in 2023, focusing on the marketing mix elements: product, price, place, and promotion. Through…
ough a qualitative approach, this study analyzes promotional activities that include the development of promotional materials, expansion of international networks, and strengthening of regional branding. The results of the study indicate that innovative efforts in developing promotional materials using the latest technology and interactive approaches have been carried out. However, an in-depth evaluation is needed to ensure the effectiveness of promotional materials in meeting investor needs. Price transparency, although not explicitly focused on, is important for investment decisions. This study recommends improving information related to investment costs and incentives.
International cooperation, such as with the State of Neuvo Leon-Mexico, shows efforts to expand investment networks and global market visibility, with an evaluation of the benefits and costs required. Promotional activities such as seminars on investment strategies focus on strengthening regional branding and effective promotional techniques. The novelty of this study lies in the comprehensive analysis of marketing mix elements in the context of investment promotion as well as recommendations for continuous adaptation according to market changes. These findings provide new insights for the development of more effective investment marketing communication strategies in the future.
Abstract:School infrastructure management is a utilization process whose target is educational equipment, such as school equipment, library equipment, teaching media, and other equipment. Management of school equipment is realized…
d as a process consisting of certain systematic steps. Miracle Language Center is a garden house that was founded on February 2 2020 by a foundation body, namely the Diamond Family. The Miracle Language Center in Mueang, Narathiwat, Southern Thailand is home schooling. The facilities and infrastructure at the Miracle Language Center include a prayer room, library, men's dormitory, women's dormitory and toilets. This study uses a qualitative method. The qualitative method aims to describe data analysis in a narrative manner that emphasizes analysis or descriptiveness. Data collection was carried out using three data collection techniques, namely observation, interviews and documentation. Management of facilities and infrastructure is very important because by managing the facilities and infrastructure of educational institutions, their use will be maintained and clear. Here the researcher will describe the management of facilities and infrastructure at the Miracle Language Center, Narathiwat, Thailand. Starting from planning to eliminating existing educational facilities and infrastructure at the foundation
Abstract:Perkembangan teknologi digital telah membawa perubahan signifikan dalam industri perbankan. Jasa perbankan kini tidak hanya berfokus pada transaksi tradisional, tetapi juga harus beradaptasi dengan tuntutan konsumen yang…
semakin menginginkan kemudahan dan kecepatan. Penelitian ini bertujuan untuk mengidentifikasi peran jasa perbankan di era digital serta tantangan yang dihadapi oleh institusi keuangan.
Hasil analisis menunjukkan bahwa perbankan digital telah meningkatkan aksesibilitas layanan, memungkinkan transaksi real-time, serta menawarkan produk yang lebih beragam. Namun, tantangan seperti keamanan siber, regulasi yang kompleks, dan persaingan dari fintech menjadi hambatan yang signifikan. Selain itu, perubahan perilaku konsumen dan keharusan untuk terus berinovasi memaksa bank untuk berinvestasi dalam teknologi dan sumber daya manusia.
Studi ini menyimpulkan bahwa untuk tetap relevan, lembaga perbankan perlu mengembangkan strategi yang mengintegrasikan teknologi digital, meningkatkan pengalaman pelanggan, dan memperkuat sistem keamanan. Keberhasilan dalam mengatasi tantangan ini akan menentukan posisi bank dalam ekosistem keuangan di era digital.
Abstract:The use of Artificial Intelligence (AI) technology to visualize the narrative of English-language short stories offers a novel approach to enriching the interpretive and aesthetic dimensions of storytelling. Utilizing BingImage.com…
ngImage.com as an AI-based image generator, textual narratives are transformed into prompts that create visual depictions of each scene. The visuals effectively reflect the mood, emotions, and settings of the story, albeit with some inconsistencies in character depictions across scenes. This exploratory approach examines correlations between narrative and visuals, scene continuity, and aesthetic accuracy. The findings indicate that AI-based visualization can create a more immersive reading experience, enhancing the reader's comprehension through relevant illustrations. This technology also provides creative interpretations that expand the artistic dimensions of short stories. Despite its potential, challenges such as maintaining visual consistency across scenes remain. These findings provide new insights into the integration of digital technology in literary transformation, paving the way for innovative future methodologies.
Abstract:Budidaya hidroponik dengan metode Deep Flow Technique (DFT) merupakan salah satu pendekatan inovatif untuk mengatasi keterbatasan lahan pertanian di perkotaan. Penelitian ini bertujuan untuk memanfaatkan atap bangunan sebagai…
bagai lokasi budidaya kangkung (Ipomoea aquatica) menggunakan sistem hidroponik DFT. Metode ini melibatkan penggunaan aliran nutrisi dalam lapisan air dangkal yang mendukung pertumbuhan akar tanaman secara optimal. Penelitian mencakup desain sistem DFT, pengukuran parameter pertumbuhan tanaman serta efisiensi penggunaan air. Hasil menunjukkan bahwa sistem DFT pada atap bangunan mampu menghasilkan pertumbuhan kangkung yang optimal dengan hasil panen yang memadai. Selain itu, teknik ini lebih hemat air dibandingkan metode konvensional, sehingga mendukung prinsip pertanian berkelanjutan. Pemanfaatan atap bangunan dengan sistem hidroponik DFT dapat menjadi solusi efektif dalam meningkatkan ketahanan pangan di kawasan perkotaan.
Abstract:This research explores the impact of gamification on student engagement and learning outcomes in hybrid classrooms at SMA Negeri 1 Pinrang. The study aims to identify the role of gamified platforms in enhancing student participation…
articipation and to analyze the relationship between student engagement and academic achievement. The research employs a qualitative approach, utilizing purposive and random sampling to select students from hybrid classrooms. Data were collected through gamification-based platforms, student engagement surveys, and academic performance tests. The findings indicate that the use of gamification significantly increases student engagement, motivation, and academic achievement, particularly when integrated into a hybrid learning environment. This study also highlights challenges such as technology access and the need for teacher training to maximize the benefits of gamification. The results provide practical recommendations for educators to implement gamified elements in their teaching strategies and for platform developers to enhance features that support hybrid learning. Future research should investigate the broader impacts of gamification, particularly on diverse learning styles and across different academic subjects.
Abstract:Penelitian ini berfokus pada analisis tingkat penerimaan pengguna terhadap layanan mobile banking di Bank Nasional dengan menggunakan metode systematic literature review. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor…
aktor-faktor yang mempengaruhi adopsi mobile banking, seperti kemudahan penggunaan, persepsi manfaat, kepuasan, dan keamanan. Temuan menunjukkan bahwa kemudahan penggunaan dan keamanan layanan sangat berpengaruh terhadap loyalitas dan minat pengguna. Persepsi kegunaan juga berpengaruh, meskipun tidak selalu signifikan dalam semua kasus. Secara keseluruhan, adopsi mobile banking di Indonesia terus berkembang, meskipun digitalisasi perbankan masih dinilai tertinggal dibandingkan dengan fintech. Penelitian ini menyarankan agar bank terus meningkatkan layanan untuk memenuhi perkembangan teknologi dan preferensi konsumen.
Abstract:The purpose of this study is to find out and prove how much influence brand image has on the purchase decision of bakery products in CV. Lemona Cake &Bakery Tasikmalaya. This study uses quantitative methods with an associative…
iative approach that is causal aims to determine the influence between independent variables on dependent variables. The population in this study is respondents who have bought bakery products at Lemona Cake &; Bakery Tasikmalaya, while the number of respondents is as many as 97 respondents. In this study using Non Proability Sampling techniques, Non Proability Sampling, namely sample selection with non-probability methods or non-randomly, population elements do not have the same opportunity to be selected as samples. This is done based on the consideration of relatively fast hang times and relatively cheap costs, then the sampling method uses Accidental Sampling, Accidental sampling is a sampling technique based on chance, that is, anyone who accidentally meets the researcher can be used as a sample, if it is considered that the person who happened to meet is suitable as a source of data. From the results of this study shows that the value of t-count obtained is 8.204 and t-table 1.661 it can be seen that t-count is greater than t-table (8.204 > 1.661) so that H0 is rejected and Ha is accepted meaning that the hypothesis is accepted, so it can be explained that brand image has a positive and significant effect on purchasing decisions, with a value I of 0.644 and a value of coefficient of determination (R square) of 0.641 which means the influence of brand image variables (x) on the purchase decision variable (y) is 64.1% while the remaining 35.9% is explained by other factors or variables that are unknown and not included in this study.