The research aims to examine East Nusa Tenggara (NTT) bank service digitalization innovations and examine several implications of bank service digitalization innovations. This research uses a qualitative approach with data collection techniques: in-depth interviews, documentation, and focused discussions. The key informants in this research were the board of commissioners, directors, division heads, and NTT bank employees. The findings of this research are, first, the existence of an existing/generic model in the operational, supporting, and monitoring fields of NTT banks. Second, there is an innovation model for digitizing services and efforts to popularize the digitization of NTT bank services to the government-private sector, including micro, small, and medium enterprises (MSMEs), religious institutions, educational institutions, students and students as well as the broader community to provide easy access to sources of financing for the community, Eliminate regional tax leakage, encourage the development of micro, small, and medium enterprises (MSMEs) and assisted village farmers/breeders, provide entrepreneurial opportunities for the community, namely as a digital agent for NTT bank, minimize fraudulent behavior (shirking) in credit distribution. Third, service digitalization innovation uses a contextual sociolinguistic approach because it incorporates local and global vocabulary such as Bpung Mobile, Bpung Farmer, Lopo Dia Bisa, and Bpinjam. Fourth, service digitalization innovation refers to OJK regulations regarding banking digital transformation contained in RP 21 and PBI number 23/26/2021. Fifth, conventional services (hybrid approach) still accompany the digitalization innovation model. Sixth, Bank NTT is in quadrant III, namely growth. Bank NTT continuously optimizes existing resources by taking advantage of opportunities to increase business growth and continues to mitigate threats into opportunities and strengths. The implications of the innovation in digitizing NTT bank services include updating standard operating procedures (SOP), changing corporate culture from Flobamora to Bintang, and accelerating the increase in human capital capacity. The implications of research on bank management refer to the innovation of procurement of new IT systems. Banks can increase their attention to service quality and maintain customer trust to maintain the quality of digital banks among customers. Moreover, with post-COVID-19 conditions that require people to make digital transactions. With the changes in the financial industry towards digitalization, it is necessary to strengthen risk management in financial service institutions. The implications of the research results for policymakers need to be considered in the transformation towards digital banking related to equitable internet access in Indonesia, cybersecurity, and employment. Recommendations for future research are the importance of studying the determinants of digital service innovation in bank services, such as transformational leadership style, good corporate governance, and organizational commitment.

With the declaration of the Sustainable Development Goals (SDGs), the importance of localisation principles and, consequently, the local-level institutions in implementing development policies came to the forefront. India adopted a thematic approach by condensing the seventeen goals into nine themes, to be worked upon by the local administrative units, furthering that each Village Panchayat (constitutionally known as Grama Panchayats) should select a theme in a plan year and strive towards attaining it. For the South Indian state of Kerala, with its good trajectory of decentralised governance, this localisation process of SDGs was rather smooth. In this article, we discuss the case of the best-performing Grama Panchayat (GP) in Kerala, which has identified ‘Village with Self-Sufficient Infrastructure’ as the development theme. Through qualitative research methodology, we examine how the Panchayat included projects specific to this theme in the development plans and how the implementation helped produce effects on multidimensional aspects of SDGs using the SDG Impact Assessment Tool. The case studies of different infrastructure-based projects endorse that with proper planning and implementation of such projects, the lowest tier of administration can significantly contribute to the improvement of development goals. We have delineated full fund utilisation through convergence schemes, community participation, and strong monitoring mechanisms as the factors leading the selected Panchayat to be the champion of the cause. The accomplishment exhibited by the Panchayat by integrating SDGs into the Village Development Plan through the projects on the theme of self-sufficient infrastructure can be well emulated by other local bodies across the world.

This study aims to explore the precise characteristics of the issue of bequests, not solely from a jurisprudential perspective as is common among researchers, but also by linking it to its role in community development and progress. Bequests serve multiple functions that represent the ethical and cultural objectives of Sharīʿah [the ‘Divine Legislation’], which manifest in the process of uniting members of a single society. This is achieved through their contribution to building bonds of affection and compassion among individuals. Additionally, bequests have economic dimensions that consider the interests of the needy and provide them with resources to elevate their living standards. The study also presents a comparison between the contract of bequest an inheritance contract in Islamic Sharīʿah and secular laws, particularly Western ones. This is done by examining the mechanisms employed in enforcing bequests and understanding the interests sought in each, highlighting the distinct features of Islamic Sharīʿah in its consideration of kinship and both private and public interests, aiming to clear religious liability and via promoting community development while prioritizing moral and societal values. Accordingly, this study, in its examination of the subject, seeks to investigate the essence and objectives of bequests and extract the meanings endorsed by the majority of scholars who permitted bequests to heirs, conditional upon the consent of the remaining heirs. This approach considers both the significance of maintaining harmonious familial ties, and the positive impact this has on individual and community development. This will then be compared to some methods that strictly define inheritance in certain Western societies. The researcher employed both analytical and comparative methodologies, in line with the study’s requirements, noting that the nature of the research opens horizons for understanding the approaches of non-Islamic countries regarding the issue of wills, the importance of exploring the culture of the other and its foundational references, the impact of Islamic laws on others, and how the laws upon which Islamic legislations were established have benefited from Western legal obligations. This represents an extension that goes beyond legislative codification to a cultural exchange that allows us to build intellectual communication with the other, placing this research before a fundamental problem embodied in the following question: To what extent do bequests contribute to community development? And what are the communicative dimensions that comparative legislation on bequests with the other offers us?

Focusing on Shanghai Port, this in-depth study explores how government support can make port organizations more competitive. This study shall implement qualitative analysis based on in-depth interviews with key industry and government leaders to break down the complicated actions taken by the government and how they have changed the operational and strategic skills of the port industry. Seven factors were found in our study to be the most crucial support factors: Financial, regulatory, infrastructure growth, talent, market, policy, and organizational support. In their ways, each of these groups undermines the ability of port businesses to compete. For instance, finance can make ports more competitive in aspects such as tax cuts, lower interest rates, innovation and R&D funds, financing programs, venture capital funds, and putting up R&D sites. Supporting regulations makes sure that there is fair competition and smooth operations. This is done by protecting intellectual property, keeping the market going smoothly, improving the business environment, and monitoring market regulations. Building new infrastructure, such as innovation and updated buildings, enables the smooth running of the port businesses and minimizes wastage of time; thus, more time is spent on production. Supporting talent, the market, and policy all work together to make the human capital, international cooperation, and strategic regulatory framework that a company needs to stay ahead in the long run. It is clear from organizational support how important collaborative networks are for making ports more competitive. These networks, for instance, can be of assistance in helping schools and businesses work together, create new technologies, and find ways for companies and colleges to study together. This study examines these support systems to determine where the government should step in and how the systems can be made better to make ports more competitive. In terms of practical contribution, this in-depth study helps policymakers and port workers plan for the future. This study shows a fair way for the government to support the port business, which changes with its needs and stays competitive in the world of trade.

This research explores the intricate relationship between digitalization, economic development, and non-cash payments in the ASEAN-7 countries over a ten-year period from 2011 to 2020. Focusing on factors such as commercial bank branches, broad money, and inflation, the study employs panel data regression analysis to investigate their impact on automated teller machine (ATM) usage. The findings reveal that commercial bank branches significantly influence ATM usage, emphasizing the role of accessibility, services, and technological preferences. Broad money also shows a significant impact on ATM transactions, reflecting the interplay between fund availability and non-cash transactions. However, inflation does not exhibit a direct influence on ATM usage. The research underscores the importance of maintaining service quality and security in the banking sector to enhance digital financial inclusion. Future research opportunities include exploring diverse non-cash payment methods and extending studies to countries with significant global economic impacts. This research contributes valuable insights to policymakers aiming to enhance digital financial inclusion policies, ultimately fostering economic growth through the digital economy in the ASEAN-7 region.

Water physico-chemical parameters, such as pH and salinity, play an important role in the larval development of Aedes aegypti, the primary vector of dengue fever. although the role of these two factors is known, the interaction between pH and salinity in various aquatic habitats is still not fully understood, especially in the context of endemic areas. this study explored how the interaction between pH and salinity affects the development of Aedes aegypti larvae in dengue hemorrhagic fever (DHF) endemic areas. this study used a pure experimental design with a posttest-only control group approach. Aedes aegypti instar iv larvae were obtained from eggs collected in north kolaka regency, a dhf endemic area. the independent variables tested were pH (6 and 8) and salinity (0.4 gr/L and 0.6 gr/L), with the control group using pH 7 and no salinity. a two-way anova test was used to evaluate the interaction between pH and salinity, followed by tukey’s hsd post-hoc test to compare treatment groups. the results showed that, independently, pH and salinity had no significant effect on larval survival. however, the interaction between the two variables had a significant effect (p < 0.001). the combination of pH 8 and salinity 0.4 gr/L resulted in the highest survival rate, while pH 6 and salinity 0.6 gr/L caused a significant decrease in larval survival. the combination of alkaline pH (pH 8) and low salinity (0.4 gr/L) is the optimal condition for Aedes aegypti larval survival. the results of this study highlight the importance of considering the interaction between pH and salinity in environmental-based vector control strategies in endemic areas. further research is needed to explore other factors, such as aquatic microbiota and environmental variations, that may affect mosquito larval development.