in managing the Small Medium Enterprise credit portfolio. The strategy taken by a bank must be adapted to the general characteristics of the target debtors for business expansion and risk mitigation so that business expansion and risk mitigation efforts can be carried out effectively for certain groups. Based on these problems, the purpose of this research is to identify groups of debtors with similar characteristics based on debtor profile data and their credit quality, and to understand the differences in credit risk and opportunities for business expansion among these groups. The data used is the profile of the distribution of debtors from Bank ABC of 5088 debtors. The analysis technique used is K-Means and KMedoids with the evaluation criteria used are silhouette score, davies-bouldin index and computation time. Completion of the optimal number of groups is done by analyzing the WSS graph using the elbow method. Analysis of business expansion and risk reduction is carried out separately where business expansion analysis is carried out for debtors with a collectibility value of 1 and risk reduction analysis is carried out for debtors who have a collectibility value of 2 – 5. The results show that there are 5 groups in the business expansion analysis and 3 groups in risk mitigation analysis. The high value of the silhouette index and davies-bouldin index makes the grouping results have a strong structure. The KMedoids method is used in this analysis because it has better evaluation criteria than K-Means. Priority is also determined for each group formed so that it can be determined which group has the greatest opportunity to become target expansion and which group has the greatest risk that needs to be mitigated. In general, business sectors such as agriculture and plantations are experiencing a decline in economic activity in 2022, so it needs attention from the bank so that it does not disrupt the credit portfolio. To complement the results of this study, an analysis of external and internal business health needs to be carried out in more depth so that the big picture of credit problems at Bank ABC can be identified.

PT CFC, a cigarette filter manufacturer, sells the latest patent productcapsule cavity sensation filter to MNC Korea's cigarette factory. MNC delivered latestview forecast demand contract, of 356.75 million cigarette filters in totals, periodJanuary 2023 to July 2024, which to be marketed in Asia and the Commonwealth ofIndependent State (CIS) countries. Hence, to decide the feasibility of the project,requires research and analysis whether the project is profitable or detrimental.Objective of this research are to assist PT CFC in taking decision of those aboveproject, by using 2 approach methods, 1). Project Management, aiming to get an initialoutlay . 2). Financial Valuation through income approaches (Initial Outlay, cash flow,terminal cash flow, working capital, PP, IRR and NPV). From the research study, theInitial Outlay it cost GBP 1,552,410 which generating from project managementthrough LM (logic Model), WBS (work Breakdown Structure) and AP (ActivityPlan)). Annual cash flow will be minus at the 1year of project started, by GBP 185K, but in the 2nd year positive of GBP 832K, overall project during contractdemand period will positive of GBP 647K and terminal cash flow at the end of theproject delivered GBP 1.471K. By using CAPM method PT CFC required return18.01%, contribute from risk free return 3,509%, beta coefficient 1.27, and anannualized return 15%. Capital structure, planned and decided to using 100% equity,which resulting of WACC 18.01%. According to above data, financial valuation couldbe define, the Payback Period achieved 1.2 years. Internal Rate of Return counted350% higher compare to WACC 18.01%. Net present value positive of GBP 1.739K.Hence refers to valuation parameter above concluded that, the project investment wasfeasible and can be continued into project execution.

The admission of new students at the Polytechnic of Furniture and Wood Processing Industry (Polifurneka) has a significant impact on the quality of education, One of which is the level of competence of the new students who are accepted. Therefore, it is necessary to optimize the development of a new student admission selection system using the CAT (Computer Assisted Test) online examination system to produce competent students. There are three online exam system options that can be implemented at the Furniture and Wood Processing Industry Polytechnic, namely the online exam system by making your own, an online exam system provided by PT. X and online exam system of premium upgrade google form. Therefore these three options must be analyzed economically and technologically. Based on the economic and technological feasibility analysis, an online exam is chosen that is self-exam. In the economic feasibility of the online exam made by itself, it provides a Payback Ratio (PP) value of 0.12 years, Net Present Value (NPV) of Rp. 446.088.408,-, Return On Investment (ROI) of 13,229%, and from the results of technology analysis, the online exam made by yourself is considered feasible because there is an additional listening question feature and storage capacity of up to 900,000 register per month.

Technology and communication are currently developing so rapidly that they are changing human life. Especially in the financial sector, with the aim of providing convenience to the community and increasing productivity and effectiveness. Despite the convenience provided by financial technology, there are quite a few people who still don't understand financial literacy, how to build good financial management skills and a general understanding of financial technology. This research aims to find empirical evidence and analyze the mediating influence of the use of financial technology on the influence of financial literacy on financial management. The sampling method used was the purposive sampling method and the total sample was 85 respondents who were the research objects. The data analysis method is quantitative descriptive analysis using primary data and hypothesis testing using WarpPLS 8.0 software. The test results show that financial literacy has a positive and significant effect on financial management. Financial literacy has a positive and significant effect on financial technology. While financial technology has a positive and significant effect on financial management, financial technology can mediate financial literacy on financial management

The retail industry continues to grow and develop in Indonesia. The retail sector as a provider of goods used in everyday life has long started digital transformation in its business. Digital technology helps the retail industry collect valuable customer data. Business analytic is the use of data, information technology and statistical analysis, which is used to obtain information about a business and make decisions based on facts. Business analytic turns data into steps or actions in the context of making business decisions. Consumer needs and purchasing behavior can be predicted with big data-based technology. Association Rule is a technique in data mining to find the relationship between items in an item set combination. One of the utilizations of the association rule method is market basket analysis. Algorithms that can be used to analyze consumer purchasing patterns include the Apriori algorithm, Frequent Pattern Growth (FP-Growth) which represents a database structure in a horizontal format, and the Equivalence Class Transformation (ECLAT) algorithm which represents a vertical data format. In addition, this research will first analyze the complexity of the algorithm based on the time complexity in running the algorithm. This analysis uses these three algorithms, which are applied to Supermarket "X" transaction data in 2021, namely 136,202 transactions. The measure of goodness that is used to find out the best algorithm uses support and confidence values. The results show that the ECLAT algorithm is the most superior algorithm compared to the others based on the execution time required by the algorithm. The support value used in forming associations in the ECLAT algorithm is 1%, resulting in 19 rules. From the results of these rules, the highest support value was generated by the purchase of Indomie goreng special and Indomie ayam bawang, where as many as 1,362 shopping transactions bought these two items together or 2.71% of the total transactions.

SDG 5, or Sustainable Development Goal 5, is one of the 17 goals established by the United Nations in 2015 as part of the 2030 Agenda for Sustainable Development. SDG 5 grants women and girls equal rights and opportunities to live free without discrimination, including workplace discrimination, career opportunities, and violence. The achievement of SDG 5 is critical to creating a sustainable future where women can contribute to society without fear of discrimination. The problem statement in this research is what key success, motivation, and competency are needed for women to become leaders, there are a constraint and perceptions about women that can be barriers to becoming a leader, how support system can help women to become leaders, women have limitations in their career development. The dependent variable in this study is the "Leadership" driver and the independent variables in this study are the "General/Key Success", "Motivation", "Ability", "Role", "Situational" and "Constraint" drivers. Situational Factors, constraints, general/key success and abilities significantly influence women's leaders. To increase women's leadership at SIG, the things that need to be improved are: create a women's leadership program at the age of 30s by increasing the competencies that are important for women to improve, provide facilities for women employees, so that their obstacles can be minimized, such as daycare, breastfeeding rooms, etc., increase women's confidence to show their abilities, increasing women's motivation in self-actualization, improving the support system for women from family

Brand Performance has an important role for organizations to implement and improve good services and processes. This implies that management in the organization, must continuously improve the skills and ability to maintain and enhance the growth of the organization as well as to face the challenges of today's business. This study aims to examine the relationship between brand characteristics, brand attitude, brand reputation, brand awareness, and brand performance. This study used a quantitative approach with a data collection method using questionnaires on 111 primebiz hotel surabaya consumers and processed using partial least square (SmartPLS 3.0) analysis tools. The results showed that brand characteristics affect brand attitudes, brand attitudes affect brand reputation, brand characteristics affect brand awareness, brand awareness affects brand reputation, brand awareness affects brand attitudes and brand reputation affects brand performance.

The rapid development of science and technology today has touched various aspects of people's lives, from household chores to working methods and studying, which are made more accessible by technology. This situation is also discussed by innovations developed by the industry to answer challenges or demands from society and new opportunities to conduct in-depth research and technological development to facilitate human work, especially now that the development and sophistication of technology have also entered the medical world when artificial intelligence (AI) plays an essential role in hospital operations or also known as health care 4.0, where the healthcare delivery process becomes a cyber-physical system complete with IoT or internet of things and radio-frequency identification or RFID, wearables, all types of medical equipment, intelligent sensors medical robots, and others that are all integrated with cloud computing, extensive data analysis, and decision support techniques to achieve intelligent and interconnected health care delivery.


 
 
 Power generation business competition in Indonesia is increasingly competitive due to the growth of IPP’s with better levels of reliability and efficiency. IPP growth with the TOP scheme in PJBTL has the potential to burden PLN and the state's finances in the long term. In order to guarantee the sustainability of the company, this needs to be a concern of PLN and its subsidiary, PLN Nusantara Power (PLN NP). PLN NP is expected to be able to provide more competitive O&M service fees. This study aims to formulate cost efficiency O&M services based on factors that affect the cost of supplying electricity, to provide efficient and competitive O&M service costs. The research began with the in-depth interviews with experts and reports of electricity supply, O&M service business processes, list of power plant units which were analyzed using the design thinking method, and supported by the cost leadership and blue ocean strategy. The results of the analysis obtained from this study have been validated by experts, in the form of proposed formulations that are studied comprehensively, and are able to solve O&M service cost problems by implementing a cost leadership strategy through changes to return on investment schemes, use of local workforce, appointment schemes directly, as well as the transfer of 3rd party contracts. This research proves that the proposed formulation is able to support O&M service cost efficiency of 9.5%.
 
 

This research was conducted to utilize a model of community participation in the development Cupak Village as a Tourist Destination in Jombang, East Java, Indonesia. The approach used in this research is a qualitative approach, which describes the participation of the community in the development of a tourist village. The informants in this study were village officials, pokdarwis administrators, local youth organizations, community representatives and visitors. Information was taken through structured interviews. The study results show that developing a tourism village requires participation from various parties, including the community as the major actor, the local government, and stakeholders in charge of providing guidance. Likewise, the university's role took a significant place by providing Assistance in managing the tourism village while the role of SMEs is to provide special products that can be offered to visitors. The implication oif this study. This research aims to provide an overview of village communities in developing tourism villages by involving the community to participate.