Competition in the industrial era 4.0 or today's distracting era is a necessity, especially in the business world. Thus, companies must prepare qualified and responsive human resources to change because they are needed in maintaining the existence and productivity of the company is facing the dynamics of business competition. Namely human resources who have conceptual skills, humans’ skills, technical skills, and technological literacy. Many factors can support the development of organizations and human resources, for example, a strong organizational culture and learning organizations. The implementation of learning organization in a company aims to develop the quality of human resource development and the quality of organizational performance because it can accelerate the organizational learning process and increase its ability to adapt to change and anticipate changes in the dynamics of the business environment in the future. Knowledge-based HR development requires a learning process based on self-learning and organizational learning. The competitive advantage obtained by developing human resources owned and carried out by the company can be used as a source of strength in facing competition and the dynamics of the business environment in the industrial era 4.0 which is complex and not easily imitated by competitors.

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This study aims to examine the role of financial policies in the influence of intellectual capital on company performance conducted on 14 pharmaceutical companies listed on the Indonesia Stock Exchange. The data obtained is processed using warp pls software 7.0. The results show that intellectual capital has a negative and significant effect on financial policy, while intellectual capital has a significant positive effect on company performance. Furthermore, the financial policy has a significant positive effect on company performance. Keywords: Intellectual capital, financial policy, firm performance

Indonesia is a country with a majority Muslim population. In the context of Indonesian’s, Muslims constitute a very large market share for marketing products, especially Islamic products. One of the products based on Islamic values is Islamic Bank. In Indonesia, Bank Muamalat is the first bank in existence. With such a large Muslim population, on the other hand, Islamic banks do not hold market share in the national banking industry. Islamic banks lag behind other conventional banks. Therefore, a strategy is needed to increase that market share. Islamic marketing is a strategy that can be used to increase customer satisfaction and loyalty at Bank Muamalat Indonesia.This research is an explanatory research with a quantitative approach. The sampling technique used in this study was purposive sampling. Respondents in this study were 120 people. The Machin and Campbell formula is used to determine the number of respondents. The objectives of this study are (1) to determine the effect of Islamic marketing on customer satisfaction; (2) to determine the effect of Islamic marketing on customer loyalty; (3) To determine the effect of customer satisfaction on customer loyalty.The results of this study are (1) Islamic marketing has a significant effect on customer satisfaction; (2) Islamic marketing has a significant effect on customer loyalty; and (3) Customer satisfaction has a significant effect on customer loyalty. So that Bank Muamalat in increasing customer satisfaction and loyalty needs to improve the existing indicators in Islamic Marketing

The development of information technology and the internet affect the abundance of digital information flows. This reflection also indicates that students in Indonesia, who are the digital native generation, have a strong dependence on the internet. In addition, the weak information literacy that plagues educators affects unattractive learning and the quality of students is not adaptable. Therefore, teachers as educators and school library staff as educational staff are required to be competent incapable of information literacy so that they can teach digital literacy continuously. The method in this study uses a Participatory Action Research (PAR) approach, which is located at Al-Jannah Jambon KB/TK, Pakis District, Malang Regency. The purpose of this literacy improvement training is to improve teachers' understanding and abilities related to digital literacy competencies, provide insight into alternative learning methods that can be used using technology, improve teacher skills in making interactive learning media to build classroom activity. The PAR results show that with the digital literacy workshop on hand puppets, these non-formal teachers feel helped in their efforts to improve digital literacy. On the other hand, teachers also find it easier to be creative.