Exploring Green Banking Performance of Islamic Banks in Indonesia

The sustainable movement in the financial sector, known as green banking, has emerged as a global standard that obligates the financial industry to adhere to social and environmental responsibilities. Indonesian Islamic banks' green banking initiatives are examined in this study. Green Banking Disclosure Index (GBDI) indicators for 13 Islamic commercial banks were collected from their five-year sustainability reports. Bose et al. (2018)'s 21 GDBI indicators were thoroughly analyzed. Jeucken's typology measurement showed banks' four-stage movement from defensive and preventative to aggressive and "sustainable" in 2004. Jeucken's Typology of Banking and Sustainable Development functioned as the assessment framework for evaluating green banking performance. Among the 13 Islamic banks analysed, only six have chosen to publicly disclose their sustainability reports. The banks in question include Panin Dubai Syariah Bank, Muamalat Bank, Aladin Syariah Bank, Aceh Bank, BTPN Syariah Bank, and Mega Syariah Bank. The data reveals that no Islamic banks have reached the "sustainable" stage. Currently, two out of six Islamic banks are positioned in the offensive stage, while the other four are in the preventive stage. It can be posited that these financial institutions have commenced the shift towards a "sustainable" phase. The findings of this study on disclosure indicators in green banking indicate that Indonesian Islamic banks must revise their reporting methods concerning environmentally friendly banking practices. Moreover, considering their crucial role in advancing green banking in relation to sustainable development, Indonesian Islamic banks need to enhance the quality of their publicly accessible sustainability reports

Environmental Scanning and Prioritization of Issues in Marine Tourism Development in Ternate City, Indonesia

The management of Hol Sulamadaha Bay in Ternate City remains suboptimal, as reflected in the declining number of tourists visits due to the lack of prioritization in development efforts. This study aims to analyze the strategic environment and identify key strategic priorities for the development of marine tourism in Ternate. Grounded in Wheelen and Hunger's strategic management theory—specifically strategic environmental analysis and employing the Analytical Hierarchy Process (AHP), the research adopts a post-positivist paradigm. Data collection combined qualitative methods, including interviews and documentation, with quantitative analysis through expert-validated questionnaires. Key informants included government officials, private sector representatives, local communities, tourists, and residents from remote areas. The findings reveal four pressing strategic issues: (1) limited involvement of the Tourism Awareness Group (TAG), (2) low levels of tourism literacy, (3) inadequate access, facilities, and infrastructure, and (4) limited community participation in tourism development. Moreover, the study emphasizes the role of mutual trust between government and local communities as a critical factor for encouraging inclusive participation, from policy planning through to implementation and evaluation. The novelty of this study lies in its integration of strategic environmental analysis and AHP to assess marine tourism development while foregrounding the socio-cultural dynamics particularly trust, belief systems, and local values that influence community engagement. This holistic approach offers a new perspective for developing inclusive, culturally grounded strategies to revitalize marine tourism in small island regions like Ternate

Pleasure Reading, Better Understanding: A Young EFL Learner’s Journey in Digital Extensive Reading

Background: The struggle of a young English as a foreign language (EFL) learner in the midst of advanced technology to find pleasure and develop good comprehension in reading English materials necessitates the need to employ effective approaches in their reading experience. Objective: This study investigated the implementation of digital extensive reading (DER) with a young EFL learner in Indonesia, exploring which established principles of extensive reading (ER) by Day and Bamford (1998) could be utilized in a digital context to foster reading for pleasure and comprehension. Methods: This study employed a qualitative case study research design involving a seven-year-old young EFL learner in Indonesia. The data were obtained through multiple sources, including a learner diary, audio-recorded observations of ten DER sessions, and an interview with the learner’s father. The data were analyzed using thematic analysis, referencing Day and Bamford’s (1998) top ten principles of ER. Findings: The findings revealed that eight ER principles could be effectively implemented in the young EFL learner’s DER experience, showcasing the learner’s positive attitudes towards reading and enhanced reading comprehension. Conclusion: Considering the result, the study recommends future studies to dig deeper into the effectiveness of DER across diverse learners by taking into account factors such as different ages, language proficiencies, learning styles, and technology access

Workplace Dynamics and the Potential for Fraud: A Qualitative Study in the Government Sector

This study aims to assess employee perceptions of the work environment in the Bengkulu government sector and its impact on fraud potential, with the aim of developing effective fraud prevention strategies. This study used a qualitative descriptive methodology using semi-structured interviews with government employees in Bengkulu Province. Data were analyzed using content analysis, which offers insight into the nuances of the work environment and its potential relationship to fraud by exploring employees’ subjective experiences and perspectives. The study found that employee perceptions of the work environment in the Bengkulu government sector are related to fraud potential. A conducive work environment and effective internal control are important preventive measures. Factors such as workload, pressure, and leadership behavior significantly shape employee perceptions and influence the likelihood of fraudulent activity. The theoretical implications of this study emphasize the importance of a conducive and ethical work environment in reducing fraud. Practically, these findings highlight the need for policy makers and government administrators to implement stringent internal controls, foster a culture of integrity, and ensure a transparent and merit-based system to minimize fraud and enhance public trust

M-CASH: Simple Software for MSME Financial Report Management in an Effort to Support SDGs to Drive Economic Growth

This research aims to design a simple website-based financial reporting software for MSMEs to be more advanced in supporting inclusive and sustainable economic growth in accordance with the Sustainable Development Goals (SDGs). The subject of this research is MSME players at the Tugas Ibu Foundation. This research uses secondary data in the form of financial data contained in the balance sheet and profit and loss. The data analysis technique uses descriptive methods. The research method uses research and development (R&D) with a 4D development model modified into 3D by going through several stages, namely defining, design, and development. The results of this study are in the form of simple web-based M-CASH software that can help MSME actors record financial reports

Cultivating Digital Learning Culture: Perspectives of Pre-Service English Teachers at a Private Islamic University in Yogyakarta

Background: The transformation of education in the 21st century demands the development of a digital learning culture that goes beyond merely providing access to technology. It also requires the integration of academic ethics, collaborative practices, and digital literacy into the teaching and learning process. In response to these demands, this study is needed to explore the practices and challenges of fostering a contextual and sustainable digital learning culture among prospective English teachers. Objective: This paper investigates the practices and challenges in the development of a digital learning culture among pre-service English teachers at a private Islamic university in Yogyakarta. Methods: Utilizing a descriptive qualitative design, the research captures the perceptions and experiences of six participants from the 2021 cohort, selected through purposive sampling. Data were gathered via online interviews conducted in Indonesian to ensure clarity and comfort, followed by rigorous analysis involving transcription, member checking, and systematic coding (open, analytical, axial, and selective). Findings: Findings reveal six key practices for fostering a digital learning culture: adherence to academic ethics, staying updated with digital tools, promoting digital literacy, employing student-centered learning, participating in training programs, and fostering collaboration. Three significant challenges were identified: managing digital learning activities, fears of digitization replacing teachers, and negative perceptions of digital learning’s value. Conclusion: The study concludes that addressing these challenges through targeted training, ethical practices, and institutional support is essential for effectively implementing a digital learning culture in English education

Antibacterial Test of Ruku-Ruku Leaf Extract (Ocimum tenuiflorum L.) Against the Growth of A. actinomycetemcomitans

A. actinomycetemcomitans bacteria is the main pathogenic microorganism identified as the cause of aggressive periodontitis, with a prevalence of 90%. Periodontitis treatment is generally done mechanically by scaling root planning (SRP) and chemically by administering antibiotics as antibacterial agents. Specifically, ruku-ruku leaves contain several natural compounds with potential as antibacterials. This study, thus, aims to determine the potency of ruku-ruku leaf extract in inhibiting the growth of A. actinomycetemcomitans bacteria. This study employed a true experimental method in the form of a post-test-only control group design. Ruku-ruku leaf extract was prepared by a maceration method using 96% ethanol solvent and diluted with DMSO (Dimethyl Sulfoxide) to obtain concentrations of 10%, 20%, 40%, and 70%. The inhibition test was conducted using the Kirby-Bauer method, which utilized paper discs on Mueller Hinton Agar media. The zone of inhibition formed around the discs was measured. Data analysis was then performed using the One-Way ANOVA test, and the Post Hoc LSD (Least Significant Difference) test was continued. The results of this study revealed significant differences in inhibition from each treatment group. The concentration of 70% ruku-ruku leaf extract is more effective in inhibiting the growth of A. actinomycetemcomitans with an inhibition zone of 7.49 mm. Post Hoc LSD results uncovered p values of 0.001 and 0.003 (p<0.01). In conclusion, ruku-ruku leaf extract has potential antibacterial properties against the organization of A. actinomycetemcomitans

Effectiveness of Reagent-Grade and Food-Grade Citric Acid as Denture Cleanser in Reducing Candida albicans Colonies

Candida albicans is an opportunistic pathogenic fungus commonly found in the oral cavity, with increased prevalence among denture wearers. Citric acid is known for its antimicrobial properties. Reagent-grade citric acid has been previously studied, while food-grade citric acid has not been investigated as a denture cleanser. This study, thus, aims to evaluate the effectiveness of reagent-grade and food-grade citric acid as denture cleansers in reducing Candida albicans colonies. The samples were heat-cured acrylic resin plates (n=28) contaminated with Candida albicans ATCC 10231 suspension, then soaked for 30 minutes in different solutions: reagent-grade and food-grade citric acid at concentration of 4%, 5%, 7%, and distilled water as negative control. Candida colonies on the plates were cultured, incubated, and counted using the Total Plate Count (TPC) method. Data were analyzed using Welch’s ANOVA followed by post-hoc T-test. As a result, the average number of Candida albicans colonies in the reagent-grade citric acid groups (4%, 5%, 7%) were (2.15, 1.75, 0.29) ×104 CFU/ml. In the food-grade citric acid groups (4%, 5%, 7%), the averages were (6.55, 4.27, and 3.17) × 104 CFU/ml. The distilled water group had the highest number of colonies (13×104 CFU/ml). The lowest reduction in colony count was in the 4% food-grade citric acid group (49.6%), while the highest reduction was in the 7% reagent-grade citric acid group (97.7%). Welch’s ANOVA indicated a significant difference (p<0.05) among all treatment groups. Reagent-grade and food-grade citric acid as acrylic denture cleansers are effective in reducing Candida albicans colonies

Meta-Analysis of Tourism Development Aware Disaster Potential: Bibliographic Analysis of Disaster Management on Tourism Scope

This study presents a bibliometric analysis of disaster management in the tourism sector over the past five years, based on data retrieved from the Scopus database. While previous research has emphasized the vulnerability of the tourism industry to disasters and the need for preparedness, there remains a limited exploration of theoretical frameworks and localized perspectives in this field. This study addresses this gap by examining global and local trends in disaster awareness within tourism destinations. Employing a qualitative approach through a systematic literature review, the research utilizes VOSviewer and Scopus analytical tools to map developments in the field. The findings reveal a growing scholarly interest in emerging topics such as post-COVID-19 recovery strategies and sustainable tourism development. The dominance of social science disciplines in the literature underscores their crucial role in informing policy and practice. Notably, 2023 marked the peak in publication output, with Indonesia emerging as a leading contributor reflecting its dual context of rich tourism potential and high disaster vulnerability. Despite this, previous studies have often neglected the integration of local wisdom and cultural values, which are essential for effective community-based disaster management. The novelty of this study lies in its focus on disaster management through a community-based tourism lens, particularly within the context of Yogyakarta. It recommends the development of localized disaster management models that actively involve community participation and draw upon indigenous knowledge and practices to enhance tourism resilience

Navigating Bureaucratic Changes: A New Public Service Perspective on Tourism and Culture Governance in Malang Regency, Indonesia

Bureaucratic reform in Indonesia has been a key agenda since the early 21st century, focusing on enhancing efficiency, transparency, and accountability in government management. This study aims to delve into and analyse the bureaucratic reform process at the Tourism and Culture Office (TCO) of Malang Regency using the New Public Service (NPS) framework. Employing descriptive qualitative research methods, the study examines the internal and external factors influencing the effectiveness of bureaucratic reform in the agency. Data were gathered through in-depth interviews, observations, and documentation studies, with triangulation data analysis techniques ensuring the validity and reliability of the findings. The results indicate that TCO Malang Regency has successfully implemented seven NPS principles: serving citizens, prioritising the public interest, valuing citizenship over entrepreneurship, thinking strategically and acting democratically, recognising the complexity of accountability, serving rather than directing, and valuing people over productivity. Programs such as Data Request or Interview, Malang Creative Hub, and Land and Building Tax incentives for cultural heritage preservation exemplify the application of these principles. Consequently, this research significantly contributes to the understanding and development of more modern, effective, and responsive public service practices in response to community needs in Indonesia, particularly in Malang Regency