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This study aims to analyze credit management strategies in reducing non-performing loans (NPL) at PT. BPR Ambulu Dhanaartha in Jember Regency. This study uses a descriptive method with a qualitative approach. Data collection was carried out through direct interviews with the bank, observation, and documentation studies from various relevant sources. The results of the study indicate that PT. BPR Ambulu Dhanaartha implements credit management strategies through the stages of planning, organizing, implementing, and monitoring. The factors causing non-performing loans come from internal aspects, such as credit analysis errors, as well as external factors, such as economic conditions and disasters. The handling strategies implemented include restructuring, rescheduling, and confiscation of collateral. By implementing strict credit analysis, structured credit policies, periodic supervision, and effective collection strategies, PT. BPR Ambulu Dhanaartha is able to minimize the risk of non-performing loans and maintain its operational stability.  

Indonesia, which previously traded carbon through a voluntary market mechanism, has switched its carbon trading implementation through a carbon exchange (IDX Carbon) since September 26, 2023. This means that carbon trading in Indonesia is carried out through the Indonesia Stock Exchange (IDX), and all carbon units are traded as securities or securities, whereas previously carbon transactions in Indonesia were voluntary. The implementation of carbon trading is a form of Indonesia's commitment to implementing the Paris Agreement and the Kyoto Protocol in reducing Greenhouse Gas emissions by 29% in 2030 with its own capabilities and up to 41% with international support. In the implementation of carbon trading in Indonesia, it is carried out through a mandatory market and the Indonesia Stock Exchange has been appointed as the institution organizing carbon trading, but the regulations that form the basis for the implementation of carbon trading do not clearly regulate how to determine carbon prices, the institution authorized to issue Technical Approval for Upper Emission Limits for Business Actors (PTBAE-PU) and Greenhouse Gas Emission Reduction Certificates as units traded on the Carbon Exchange.

This study explores the implementation of reading yasin every Friday morning in improving IMTAQ of students at SMAN 17 Pekanbaru. Through Yasin reading activities carried out by students of the Professional Training Program (PLP) of the University of Muhammadiyah Riau (UMRI) every Friday morning. This activity is expected to be a means to instill spiritual and moral values ​​in students, as well as strengthen the relationship between students and students in the context of community service. The method used in this service is a participatory approach, where PLP students play an active role in facilitating and organizing Yasin reading activities. The results of this activity show an increase in students' spiritual awareness, which is reflected in their enthusiasm in participating in activities, as well as an increase in positive behavior in the school environment. In addition, this activity also succeeded in creating a more harmonious and religious atmosphere at SMAN 17 Pekanbaru. Thus, this yasin reading activity can be used as one of the routine programs to support the development of students' IMTAQ in schools.

This community service was carried out in Pattongko Village, Central Sinjai District, by considering the location's vulnerability to natural disasters such as landslides and tornadoes. The high rainfall in the area is one of the leading causes of frequent natural disasters, compounded by the mountainous and hilly topography. These factors make the community highly susceptible to disasters that result in significant material and immaterial losses. The primary aim of this service activity was to build awareness and strengthen the community's disaster response capabilities, enabling the creation of a disaster-resilient village.The activity was conducted through socialization efforts involving various stakeholders, including the Pattongko village community, the village government, local youth groups, and the Sinjai Regency Regional Disaster Management Agency (BPBD), which served as the lead agency in disaster response in the region. Despite being a one-day event, the activity was expected to provide essential disaster education and training for the local population, enhancing their knowledge of disaster preparedness and response. By doing so, the initiative aimed to minimize the potential victims and the scale of losses caused by natural disasters in the future.This activity also supported broader government programs aimed at forming Disaster Resilient Villages. In the future, the program will be extended with further activities, such as establishing community disaster response teams, organizing disaster simulations, and strengthening disaster management protocols within the village. This long-term plan will ensure that the community remains well-prepared for any potential disaster events

This study aims to explore the integration pattern between Science and Islam in the context of the Integrated Madrasah Science Competition (KSM) for Biology at MAN 1 Wonosobo. The research specifically seeks to: (1) identify the conceptual pattern of Science–Islam integration in Biology learning, (2) examine the implementation of this integration in the KSM preparation process, and (3) analyze the factors influencing its effectiveness. This research adopts a qualitative approach, employing field research and descriptive analysis to capture a comprehensive understanding of the phenomenon. The findings reveal that the integration pattern in Biology learning within the KSM context is characterized as integrative–interconnective, where scientific concepts are interconnected with Islamic values and perspectives. Supervisory teachers with a strong background in pure Biology tend to be more active in developing discussion themes, conducting in-depth dialogues, and organizing studies that merge scientific and religious viewpoints. The effective implementation of this integration is supported by optimal utilization of learning resources, particularly Biology textbooks, as a source of pure scientific material enriched with Islamic insights. Such integration is further strengthened by collaborative discussions between teachers and students, fostering deeper understanding and critical thinking. Several factors contribute to the effectiveness of Biology KSM learning. These include the existence of a curriculum and learning materials that intentionally integrate Science and Islam, as well as the interdisciplinary competencies of teachers who not only master Biology content but also possess the ability to connect it with Islamic principles. Additionally, institutional support from all components of the madrasah—administrators, fellow teachers, and students—plays a crucial role in creating a structured, motivating, and inspiring guidance environment. In conclusion, the integration of Science and Islam in the Biology KSM at MAN 1 Wonosobo represents an effective educational model that promotes both scientific literacy and religious understanding, contributing to holistic student development in madrasah education.

This Community Service Program (PkM) was motivated by the low quality of administrative order in the bookkeeping and document management system of Dasawisma Anggur Merah 3 RT 08, Bukit Timah Village, characterized by unsystematic data recording, weak documentation practices, and limited understanding of accountable and organized administration. The objective of this program was to strengthen the capacity of Dasawisma in implementing orderly administration through the development of structured, transparent, and sustainable bookkeeping and documentation systems. The method applied was a participatory community organizing approach, implemented through socialization, technical assistance, simple bookkeeping training, hands-on documentation practices, and participatory evaluation. The results indicate a significant improvement in the understanding of Dasawisma members regarding the importance of administrative order, behavioral changes in record-keeping and document management, the establishment of a more structured bookkeeping system, and the emergence of collective awareness of administration as a foundation for program planning and decision-making. In addition, local leaders (local leaders) emerged as driving forces in strengthening administrative management and institutional capacity. This program contributes to the creation of more professional, accountable, and sustainable governance of Dasawisma organizations in community-based empowerment initiatives.

Community participation in social service activities is a crucial indicator of community-based social development. However, the level of participation is often influenced by various structural and cultural factors, including the role of community organizations as key mobilizers of collective action. This activity aims to identify factors affecting community participation in social service activities in Bintan Sub-district, analyze the role of community organizations in facilitating and organizing these activities, and assess their impact on strengthening synergy and collaboration among residents. The method employed included a socialization session on the importance of community organizations in community empowerment, followed by social service activities in the form of collective environmental clean-up and greening programs through tree planting around public facilities. The findings indicate that increased collective awareness, local leadership, and organizational support significantly enhance community participation. Furthermore, social service activities contribute to strengthening social cohesion, fostering a sense of togetherness, and promoting stronger synergy and collaboration among community members in Bintan Sub-district.

The problem of organizing regional elections has been apparent since the nomination stage where there are obstacles for each regional head, namely the regional head nomination threshold. The nomination threshold directly eliminates the constitutional and political rights of every citizen to actively participate in the regional head election process. This study uses normative legal research, namely preliminary research activities before delving further into in-concrito research. The research approach uses a statute approach and a case approach through the Constitutional Court decision Number 60/PUU-XXII/2024. The statute approach is carried out to trace the laws and regulations related to the research theme being studied. The results of the discussion obtained, namely the Constitutional Court's decision regarding changes to the regional head nomination threshold, are a good sign for the future of democracy. The people have almost lost trust recently in the democratization process with the behavior of political party elites in nominating regional heads who tend to lead to cartel politics. Of course, this decision needs to be welcomed and the Constitutional Court deserves appreciation because this decision was issued amidst the strengthening of cartel politics in the nomination of regional heads. The Constitutional Court's decision has changed the basis of the requirements that must be met by political parties or coalitions of political parties in registering regional head candidate pairs from obtaining seats or accumulation of valid voters to only obtaining valid voters by determining the percentage.

This article discusses the role of the principal as a manager in implementation of the Independent Curriculum at Madrasah Ibtidaiyah Darussalam Jelutung, Jambi City. The method used is qualitative research with a case study approach. Data was collected through interviews, observation and documentation. The research results show that: 1) The school principal has a significant role starting from planning, organizing, implementing and evaluating the curriculum. 2) There are obstacles for the principal in carrying out his role as a manager in implementing the Independent Curriculum, namely that it takes a long time and is not easy for the principal to study the Independent Curriculum, time constraints and the physical condition of the principal as well as teacher motivation and understanding that need to be improved. 3) The school principal takes proactive steps to resolve these obstacles, such as increasing the principal's personal understanding, carry out rescheduling and time management, as well facilitating teachers in increasing their understanding and professionalism through training, participating in routine KKG activities, and direct coaching.

This study aims to describe and analyze the Merdeka Learning Curriculum to understand the supporting and inhibiting factors in the implementation of the Merdeka Learning Curriculum to improve the quality of education at SD Negeri 115 Palembang. This research uses a qualitative method with a field research approach through data and data sources. Data collection techniques include observation, interviews, and documentation. The research findings indicate that the implementation of the Independent Learning Curriculum management in improving the quality of education at SD Negeri 115 Palembang can be summarized through several stages: planning, organizing, actuating, and evaluating. There are two factors that influence the improvement of educational quality, namely supporting factors, which include school leadership, coordination, cooperation, and teachers' skills in managing the classroom. The inhibiting factors include facilities and infrastructure, education funding, and the still limited quality of teachers or educators. In improving the quality of education at SD Negeri 115 Palembang, it can be concluded that the implementation of management has not yet reached an optimal level. However, its success is notable, even though it is not yet widespread due to several inhibiting factors.  To anticipate the inhibiting factors, it is necessary to improve facilities and infrastructure, which require support from the school principal and guidance from relevant parties, such as socialization and training from the Education Department or external trainers, so that the skills of teachers and educational staff become more professional and developed.

This study aims to determine and describe the principal's managerial skills in developing a religious culture at SD Negeri 15 Air Kumbang. The method used is a qualitative method. Data collection techniques use observation, interviews and documentation. The results of the study can be concluded that the Management of the Principal of SD Negeri 15 Air Kumbang in developing a religious culture is through planning, organizing, implementing, supervising and evaluating. The management carried out by the Principal of SD Negeri 15 Air Kumbang includes: first, the implementation of daily activities in the form of: providing exemplary behavior/examples, reprimands/advice, conditioning the environment that supports character education, routine activities/character habits, and mentoring and supervision activities for character education. Second, the management of the principal of SD Negeri 15 Air Kumbang through programmed activities in the form of: Imtaq activities before starting lessons and completing the Al-Quran every month, dhuha prayer activities, dzuhur prayers in congregation. Third, the Management of the Principal of SD Negeri 15 Air Kumbang through learning activities. In learning activities, religious culture must be implemented which includes the preparation of plans and learning tools that contain religious values.

This study aims to describe and analyze student management in supporting the Pancasila student profile strengthening project, as well as to the challenges and strategies in overcoming obstacles in implementing student management to support the Pancasila student profile strengthening project. The method used is descriptive qualitative with data collection tools, namely interviews, observations and documentation. Data were analyzed using the interactive model analysis method. The results of the study concluded that student management in supporting the Pancasila student profile strengthening project has implemented the functions and principles of student management through the process of planning, organizing, implementing, and supervising activities carried out properly involving internal elements of the education unit. The challenges in implementing student management in supporting the Pancasila student profile strengthening project include facilities and infrastructure, lack of student motivation, and lack of understanding of the impact of activities on character development. Strategies to overcome the challenges of student management in supporting the Pancasila student profile strengthening project include strengthening teacher competency in managing students, innovative learning, collaboration between schools and parents, stakeholder involvement and participation in school activities, and encouraging student involvement in various activities at school

The results showed that the management of Islamic boarding schools in shaping the character of students at the Al-Azhar Islamic Boarding School had gone quite well with careful planning with quite ideal and realistic targets. Management functions that include planning, organizing, implementing and supervising have been applied regarding the formation of students with character. As for the management of extra activities and environmental management in shaping the character of students, they still need further improvement. Among the obstacles encountered in the field are the lack of supervision of teachers who live in boarding schools so that the effectiveness in supervision is low, the lack of local learning, the capacity of the students' rooms are overloaded, and the lack of concern for students' parents for the advancement of education. However, these obstacles can be overcome in many ways, including: solid cooperation, deliberation and consensus building and building awareness among educators to advance education. While the character of the students who stand out and want to be improved through education management include; discipline, independence and responsibility  

Examination of a criminal case in a judicial process essentially aims to find the material truth, namely the complete truth of a criminal case by applying the provisions of criminal procedural law honestly and in a timely manner with the aim of finding out who the perpetrator is who can be charged with committing something. violation of law. Making a post mortem et repertum gives the full duty to the doctor as an implementer in the field to assist the prosecutor in determining the direction of the charges that will be brought against the defendant, as well as assisting the judge in finding the material truth in deciding the criminal case. This research includes normative legal research, so the legal materials used are primary, secondary and tertiary legal materials. The technique for collecting legal materials that will be used as a source in this research is library research, namely collecting legal materials by reading statutory regulations, official documents, journals, articles from the internet, and other literature that is closely related to The issues discussed are based on secondary legal materials. The presence of the Pretrial Institution provides a warning that law enforcers must be careful in carrying out their legal actions and every legal action must be based on applicable legal provisions, meaning that they must be able to exercise restraint and distance themselves from arbitrary actions. Thus, it is clear that organizing pretrial proceedings is not an easy task considering that the activities of one law enforcement agency to assess and test the work patterns of other law enforcement agencies is definitely work that must be carried out carefully and mastering all law enforcement mechanisms. The judiciary in Indonesia, one of whose tasks is to examine laws against the constitution, is what we often call judicial review. This judicial review is carried out to protect the rights of citizens who feel disadvantaged by the enactment of a law. In this case, what concerns the author is the judicial review of article 77 of the Criminal Procedure Code, which in this article is felt to be detrimental to someone who is designated as a suspect by investigators, because the article does not regulate the determination of suspects as pre-trial objects.

The Hegong dance is one of the traditional dances that plays an important role in the welcoming procession in Umauta. However, in the midst of modernization, the sustainability of this dance faces challenges, especially in terms of dancer regeneration and community understanding of the cultural values contained therein. This study aims to identify strategies for preserving the Hegong dance and explore its potential for development in the tourism and creative economy sectors. The research method used is a qualitative approach with observation, interview, and literature study techniques. The results of the study indicate that preserving the Hegong dance requires synergy between the community, government, and cultural institutions through cultural education, arts training, and organizing cultural festivals. In addition, the use of digital media and the development of culture-based tourism can be effective strategies to expand the reach of promotion and increase the interest of the younger generation in this dance. In terms of economy, the production and marketing of art products related to the Hegong dance, such as costumes and souvenirs, have the potential to provide economic benefits to the local community. With a sustainable approach, it is hoped that the Hegong dance can continue to be preserved as part of the cultural identity of Umauta and become a tourist attraction that contributes to community welfare.

Campuranom Village is located in Bansari District, Temanggung Regency, where the majority of the population are farmers. As a result, literacy and formal education for children are often overlooked. This article aims to explore the potential of library revitalization as a literacy facility for children in Campuranom Village. By combining theoretical and empirical analysis, this study employs the Participatory Action Research (PAR) method. The results indicate that the revitalization of the Campuranom Village Library was carried out through physical improvements, literacy program socialization, and evaluation. Physical improvements included cleaning the library, organizing books through labeling and categorization, and creating a reading corner to attract children's interest. Socialization was conducted to reintroduce the library’s function to the community, particularly schoolchildren. Evaluation was conducted at each stage to ensure the program’s effectiveness. As a result, children's visits to the library increased to 5-10 visitors per day, demonstrating a rise in reading interest. However, some challenges remain, such as poor ventilation making the library uncomfortably hot and its location on the second floor, which makes access difficult. Overall, the revitalization successfully enhanced the library’s appeal, though further improvements are needed in comfort and accessibility.

This study aimed to measure the impact of an educational program on developing emotional intelligence skills among fifth-grade primary school students in several mixed-gender schools in Baghdad. The research adopted the experimental scientific method, utilizing a pre-test and post-test design for two groups. The sample was randomly selected from a research population of 150 students, with 100 students chosen as the study sample. These students were divided into two equal groups: a control group (50 students) and an experimental group (50 students). The educational program was designed based on free dialogue, storytelling, as well as games and activities that help children understand and develop emotional intelligence skills in a smooth and constructive manner. The program was implemented over a period of 12 weeks, from March 1, 2024, to June 1, 2024, exclusively for the experimental group. Daniel Goleman’s 2002 emotional intelligence model was used as a measurement tool, as it is suitable for the age group of the study sample. The results indicated statistically significant differences between the mean scores of the experimental and control groups in the pre-test and post-test, demonstrating the clear impact of the program on the experimental group. Additionally, the results showed no statistically significant differences between male and female students within the experimental group. The researcher recommends adopting the program in primary schools and suggests organizing training courses for primary school teachers on intelligence development in children. Furthermore, the researcher proposes integrating intelligence development into teacher guides and increasing activities that focus on enhancing cognitive abilities.

The contribution of artisans to the enhancement of the economy in Indonesia, particularly within the home industry sector of small and medium enterprises (SMEs) located in the "Macakal" creative industry center, is of paramount significance for the economic advancement of the community in Lebak Banten Regency. The "Macakal" creative industry produces various products, including woven wallets, synthetic leather wallets, laptop bags, small wallets, and agenda covers. The traditional woven fabric of Banten, which is not widely known by the public, is used as the main material for making wallets and other products at this SME "Macakal." In the development of this home industry, the entrepreneurs encounter difficulties in the form of business capital and also a lack of consumer interest post-COVID-19. The stakeholders in the home industry, known as "Macakal," acknowledge the support provided by the local government in terms of business capital. Additionally, they emphasize the importance of organizing exhibitions and programs aimed at promoting the home industry within Lebak Regency. The solution offered in this assistance is the introduction of products from the "Macakal" home industry center through social media and also through the mass media, as well as local government providing business capital assistance so that entrepreneurs can develop their businesses again. The outcome of this PKM initiative is that the home industry entrepreneurs known as "Macakal" are now able to promote their products via social media and comprehensive internet marketing strategies. This advancement has facilitated an expansion of their market reach and contributed to the enhancement of the economic conditions of small and medium-sized enterprises (SMEs)

The Regional Head Election (Pilkada) in Indonesia serves as a means of popular sovereignty for electing Governors and Deputy Governors, Regents and Deputy Regents, as well as Mayors and Deputy Mayors. This is a consequence of being a country that adheres to a democratic system. In every election period, Pilkada always faces various challenges, including changing regulations, implementation issues, and oversight mechanisms. One inevitable issue is election violations. The Election Supervisory Agency (Bawaslu) of Karawang, as part of the election organizing body, is responsible for overseeing the implementation of Pilkada in Karawang Regency.One of its programs involves conducting participatory supervision socialization across 30 districts in Karawang Regency. This participatory supervision aims to encourage the public to actively and voluntarily engage in monitoring efforts to ensure an honest and fair Pilkada with integrity.

The community service project titled "Strengthening the Role of Mothers in Shaping the Golden Generation: Empowerment Program at DPC IWAPI Depok" aims to empower mothers through entrepreneurship training, business management, and leadership, in order to enhance their capacity to manage businesses and play an active role in community economic development. This program involves 50 mothers who are members of DPC IWAPI Depok, who actively participated in the planning and implementation processes. The results of the program indicate an improvement in entrepreneurship and leadership skills among the mothers, as well as the emergence of local leaders capable of organizing community economic activities. Additionally, significant social changes occurred, including the formation of women-based business groups that support each other in developing their businesses. This empowerment has led to the creation of new social structures and behavioral changes that support women's empowerment at large. These findings align with theories of empowerment, social change, and transformational leadership, which emphasize the importance of individual roles in influencing social change.