Vol. 5 No. 1 (January–June 2021) presents an integrated set of studies spanning capital markets, decentralized public finance, Islamic banking choice behavior, IT governance capability (COBIT 5), regional human development classification, zakat distribution optimization via Analytic Network Process, pandemic-era online shopping impacts on student consumption patterns, financial soundness of Islamic savings-and-loan cooperatives in Lhokseumawe, career development dynamics at Bank Aceh Syariah, and comparative potential–risk profiling of conventional financial instruments versus emerging cryptocurrency assets; collectively the issue highlights how governance quality (corporate, technological, fiscal), structured analytic and decision frameworks (COBIT 5, discriminant analysis, ANP), and Islamic ethical-social finance mechanisms (zakat modeling, Sharia banking, cooperative evaluation) converge to support equitable economic and human development, while simultaneously drawing attention to behavioral shifts induced by digitalization, the necessity of strengthening institutional and human resource capacity, and the importance of disciplined risk management as investors and consumers engage with novel digital asset classes.