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This study aims to analyze the effect of financial literacy and risk perception on impulsive consumptive behavior on students of the Faculty of Economics, Sheikh Abdul Halim Institute impulsive consumptive behavior in students of the Faculty of Economics, Sheikh Abdul Halim Hasan Institute Binjai. Using a quantitative approach with an explanatory survey method, this study involved 56 respondents selected using accidental sampling technique. The regression analysis results show that financial literacy has a significant positive effect on consumptive behavior (B = 1.157; sig. = 0.000), while risk perception has a significant negative effect (B = -0.555; sig. = 0.017). Simultaneously, these two variables contribute significantly to consumptive behavior with a coefficient of determination (R²) of 61.4%. The results of this study reveal that high financial literacy can increase the tendency of consumptive behavior due to increased confidence in financial management, while high risk perception can suppress consumptive behavior through awareness of potential losses. This study emphasizes the importance of a holistic approach in the formation of healthy financial behavior, involving the improvement of financial literacy as well as education related to risk perception. The findings are expected to contribute to the development of more effective financial education strategies for economics students. 

The interest rate in the Iraqi economy represents an active and important element in the management of monetary policy in the Iraqi economy, as it is used by the monetary authority represented by the Central Bank of Iraq to influence the money supply, as well as the impact of this also by allocating the available resources for savings among foreign investments to achieve the central goal of the monetary authority of achieving stability in prices such as the interest rate and various prices and values of investments together and thus achieve balance at the economic and financial levels. This research analyzes the relationship between interest rate changes (IRC) and foreign direct investment (FDI) in the Iraqi economy during the period from (2004-2023). Multiple analytical tools were used, including descriptive statistics, correlation analysis, time series analysis, and prediction models using ARIMA and Prophet. The results showed an association between the two variables under consideration, with the ability of the ARIMA and Prophet models to provide accurate forecasts of future   FDI trends. A quantitative methodology that includes descriptive statistics, correlation analysis, time series models, and forecasting tools has been adopted to clarify the relationship between the two variables and draw conclusions that support economic decision-making.

The current research aims to verify the relationship between talent management practices represented by (attracting talent, investing talent, localizing talent, retaining talent) and the creative work behavior of employees represented by (exploratory creative work behavior, investment creative work behavior), among a sample of teaching staff in private universities and colleges in the Middle Euphrates region, numbering (276) instructors. The researchers adopted the descriptive analytical approach, taking the questionnaire as a basic mechanism for collecting the necessary data for the practical aspect of the study. The study concluded that there is a relationship between talent management practices and the creative work behavior of employees. As a result, the study reached a set of recommendations, the most prominent of which is that private universities and colleges must create a flexible academic environment that encourages innovation, such as remote work options or flexible work schedules, which supports work-life balance and makes room for creative thinking, in addition to implementing a periodic evaluation system to measure the level of employee engagement and creative behavior, and using the evaluation results to improve programs and practices. Continuously.

This study sought to achieve a set of objectives, the most important of which is preparing atheoretical framework for the research variables through which it clarifies the role of interactiveorganisational culture and its impact on the relationship between organisational commitment andoutstanding performance, building a hypothetical model between the study variables andexplaining the effect between these variables, identifying the impact of organisational culturedimensions on exceptional performance, determining the effect of organizational commitment onoutstanding performance. The study used statistical tools to analyse and process data andinformation, including the (SPSS) program and the questionnaire. The study community wasadopted, represented by (Dhi Qar Directorate Office). The study sample was all employees in theDhi Qar Education Directorate Office, where the sample numbers were (1200) and (290) weredistributed using the Morcan model. The total number of valid questionnaires for analysis was(257) questionnaires.

The development of technology is very rapid and has undergone a significant transformation, especially with the emergence of technology 5.0. In this development, Generation Z is experiencing communication challenges in the development of the 5.0 technology which is increasing. The purpose of this research is to analyze the Communication Challenges of 5.0 in the Digital Age and Understand Generation Z in communicating with the rapid advancement of 5.0 technology. This research is a literature study. Data collection uses documentation from Google School. The data analysis used is the Systematic Literature Review (SLR) method. The vast and growing expansion of the field of communication 5.0 through various digital platforms, such as social media, has made it difficult to communicate 5.0 in the current digital era, especially when connecting with Generation Z. The problem of communication in the current digital era is The current digital era, especially when interacting with Generation Z, is the rapid growth of the field of communication through various digital platforms, including social media, instant messaging, online content, other media, and so on. The characteristics of Generation Z, such as their tendency towards concise communication, strong visuals, and video, influence their communication style. Building a solid and productive partnership requires knowledge of the partnership and customization of your communication approach. In addition, it must be recognized that Generation Z is very tech-savvy, which can lead to privacy and security issues that need to be handled carefully if you want to establish effective communication with this generation.

Racism and gender bias are two major barriers affecting the growth and business opportunities for entrepreneurs in the Micro, Small, and Medium Enterprises (MSMEs) sector in Indonesia. Despite the significant contribution of MSMEs to Indonesia’s economy, women entrepreneurs and those from minority ethnic groups often face challenges in accessing financing, business networks, and broader markets. This article examines the direct and indirect impacts of racial discrimination and gender bias on MSME entrepreneurs, while identifying strategies that can be implemented to create a more inclusive and equitable entrepreneurial ecosystem. Through a literature review and secondary data analysis, this study finds that women entrepreneurs in Indonesia access only 10% of the total loans given to MSMEs, while male entrepreneurs access over 70%. It is recommended that government policies strengthen support for women and minority entrepreneurs through more inclusive financing policies, as well as providing more open mentorship programs and business networks for marginalized groups. By reducing racial discrimination and gender bias, it is hoped that the MSME sector can grow more evenly and sustainably, thereby enhancing Indonesia’s economic competitiveness

Health is a basic right guaranteed by the Indonesian constitution, as stipulated in Article 28H of the 1945 Constitution and Article 34 paragraph (3), which states that the state is responsible for the provision of adequate health care facilities for all citizens. Nonetheless, challenges in the provision of health services in remote areas are still significant, especially related to the limitations of facilities, medical personnel, and service quality. The development of technology, particularly telemedicine, has opened up new opportunities in the delivery of health services, which can overcome geographical limitations and improve community access to medical services. The type of research in this study is normative juridical. The research results in this discussion are the protection of doctors and the regulation of telemedicine policies in Indonesia, by reviewing Law Number 17 of 2023 concerning Health regarding the implementation of telemedicine between health service facilities. Although telemedicine can expand access to health, the risks associated with remote diagnosis and treatment require special attention in terms of legal protection of health workers. Therefore, adaptive legal tools are needed to accommodate the growing development of health technology and provide legal protection for the parties involved in the implementation of online-based health services.

Pesantren has an important role in the formation of the religious character of students. Pesantren Al-Manar as one of the Islamic educational institutions has developed various management strategies to analyze how the management of Pesantren Al-Manar manages the learning process, security activities, and moral development of students in order to create a generation of faith and piety. The research method used is descriptive qualitative with a case study approach at Pesantren Al-Manar. The results of the study show that effective pesantren management includes planning, implementation, supervision, and evaluation which contributes significantly to improving the religiousness of students.

A decision is something that motivates someone to do something they want to do and it is influenced by their habits and personality. Decisions are influenced by two factors, including knowledge (literacy) and trust (belief). This research aims to determine the influence of zakat literacy and muzakki beliefs on the muzakki's decision to pay zakat in Baznas, West Tanjung Jabung Regency (study in the community of Tungkal Ilir District). The method in this research is quantitative research. The samples were taken using nonprobability techniques. The analysis used is multiple linear regression with the SPSS 27 program. The research results show that zakat literacy (X1) partially has a positive and significant effect on decisions (Y), muzakki trust (X2) partially has a positive and significant effect on decisions (Y). Meanwhile, simultaneously zakat literacy and muzakki beliefs have a positive and significant influence on muzakki's decision to pay zakat in Baznas, West Tanjung Jabung Regency (study of the Tungkal Ilir District community).

This research aims to analyze the management of training and development programs for Arabic language teachers in Madrasah Aliyah Mamba’ul Ulum, Bungah, Gresik. This research was descriptive qualitative and collected through observation and interview. The data was analyzed through the three steps namely data reduction, data presentation, and conclusion drawing. The findings showed that only few of Arabic language teachers have appropriate academic qualifications, with details that there were 3 Arabic language teachers, but there was only one teacher who had a bachelor’s degree in Arabic Language Education, while other teachers had a bachelor’s degree in Islamic Religious Education and Islamic Boarding School graduates. Then, the professional development program for Arabic teachers was held in the form of workshops and seminars related to learning twice in the last three years. However, the material presented only focuses on teaching materials according to the national curriculum, without any programs or activities to improve the ability of teachers to choose active, effective, and efficient learning methods. In conclusion, Arabic teacher qualifications are poorly managed at Madrasah Aliyah Mamba’ul Ulum, Bungah, Gresik, regardless of the fields’ quality of teachers or suitability.

Maintenance is one of the important aspects of married life that is regulated in Islamic law. In this context, an understanding of the maintenance of poor husbands becomes very crucial, especially in the perspective of Imam Abu Hanifah. This study aims to examine Imam Abu Hanifah's view on the obligation of maintenance for husbands who are poor and its implications for the social and economic life of the family. This research methodology uses a qualitative approach with literature analysis from various sources, including fiqh books and scientific journals. The results show that even though the husband is poor, he still has the responsibility to provide maintenance according to his ability.

Ilmu Shorof, as an essential part of Arabic language studies, has a profound connection with the philosophy of science. This relationship encompasses aspects of study objects, methods, and goals that complement each other in understanding language. From the perspective of the philosophy of science, Ilmu Shorof is viewed as a structured knowledge system, a cultural product reflecting social values, and a tool for acquiring knowledge about the Arabic language, including religious and literary texts. Furthermore, Ilmu Shorof contributes philosophically to global language studies through its systematic approach. This research examines the relevance and philosophical implications of Ilmu Shorof in academic and practical contexts, offering a new perspective on the significance of this discipline in modern scholarship.

Fiqh of worship is a branch of science that discusses the procedures of the correct implementation of worship in accordance with Islamic teachings. This research aims to analyze the role of fiqh of worship in improving the devotion of students at SMA IT Al Mawaddah Warrahmah Kolaka. students at SMA IT Al Mawaddah Warrahmah Kolaka. The method used is descriptive qualitative with a case study approach. Data were collected through observation, interview, and document study. The results showed that fiqh worship learning has a significant effect on improving students' students' devotion, which is reflected in the improvement of the quality of worship, discipline, and positive behavior in daily life.

In the world of education, we learn many important lessons. Despite this, many Indonesians still lack access to quality education, especially in underserved areas. This shows that they need to be made aware of the importance of education. So that students can actively realize their potential, education is an effort that is deliberately created to provide a conducive learning environment. This includes developing spiritual strength, religion, self-control, personality, intelligence, noble character, and abilities that are beneficial to oneself, society, nation and state. This literature study aims to examine the influence of the personality competence of Islamic Religious Education (PAI) teachers on the formation of morals in various senior high schools (SMA) in Indonesia. In the process of instilling morals in students, the teacher's personality competence is very important, considering that teachers are role models that students can emulate and emulate. This research uses a literature review method by analyzing various relevant scientific sources. It is hoped that the results of this discussion will provide an understanding of the influence of PAI teachers' personality competencies on student morals. The PAI teacher's personality competency acts as an internal driver that influences student behavior and morals. By understanding how these competencies influence us, we can gain valuable insight into improving the quality of education at the Senior High School (SMA) level.

Patient satisfaction is one of the benchmarks for assessing a hospital's success in providing services. Quality targets in nutrition services based on hospital Minimum Service Standards include three indicators, namely timeliness of food distribution, food waste and the absence of errors in diet administration. The aim of this research is to determine the relationship between minimum nutritional service standards and the level of satisfaction of inpatients at the Muhammadiyah Islamic Hospital Sumberrejo, Bojonegoro Regency. This type of research is cross-sectional. The sample in this study was patients in classes 2 and 3 of the Shafa and Marwah inpatient rooms, totaling 135 patients. The data measured are the level of patient satisfaction, timeliness of food distribution, accuracy of diet and food waste. Bivariate analysis used the Spearman's Rank test. The results of data analysis showed that food distribution timeliness was 92.5%, diet accuracy was 98%, food waste was 15.1%, while patient satisfaction levels were very satisfied (52%), satisfied (44%), dissatisfied (2%) and very dissatisfied (1%). The results of the study showed that the timeliness of distribution of breakfast (p=0.864>0.05), afternoon (p=0.853>0.05), evening (p=0.864>0.05) and the level of satisfaction, while the accuracy of the diet and the level of satisfaction patients (p=0.112>0.05), for food waste and level of patient satisfaction (p=0.311>0.05). From this research it can be concluded that statistically there is no significant relationship between minimum service standards (timeliness of food distribution, accuracy of diet and food waste) and the level of patient satisfaction. Suggestions that can be given in this research are that hospital efforts are needed to maintain the quality of food services by paying more attention to the accuracy of diet for patients.

Task scheduling in cloud computing environments is a crucial aspect in optimizing resource allocation and improving system efficiency. This research aims to analyze trends in task scheduling algorithms in cloud computing using a Systematic Literature Review (SLR) approach on various scientific publications published between 2018 and 2025. The results of the study show that Particle Swarm Optimization (PSO), Ant Colony Optimization (ACO), and Genetic Algorithm (GA) algorithms are the most commonly used methods in solving task scheduling problems. PSO stands out as an effective algorithm due to its ability to find global optimal solutions, handle non-linear and multimodal problems, and its efficiency in managing computational resources. Additionally, various studies have shown that optimization of scheduling algorithms can be achieved through a combination or modification of existing methods to improve system performance. This study provides in-depth insights into the development of scheduling algorithms in cloud computing and opens up opportunities for further research in developing more innovative and adaptive approaches.

The Field Experience Practice Program (PPL) at SMK PGRI 13 Surabaya is designed to equip students from the Faculty of Teacher Training and Education at Dr. Soetomo University with direct experience in the world of education. This activity provides students with the opportunity to apply the theories learned in lectures to real-life situations, enhance their teaching skills, and understand the challenges in the world of education. For 1.5 months, students engaged in various activities such as classroom management, collaboration with supervising teachers, and group reflections. This program not only supports the development of professional skills but also shapes the attitudes and work ethics necessary for educators.

Companies operating in the electricity accumulator industry sector, in the production process produce waste in the form of hazardous and toxic materials (B3). The management of B3 waste is carried out based on the provisions stated in the Regulation of the Minister of Environment and Forestry Number 6 of 2021 concerning Procedures and Requirements for Hazardous and Toxic Waste Management. Therefore, the waste generated requires special handling to prevent environmental pollution. Therefore, the waste generated requires special handling so as not to pollute the environment. Hazardous waste management in the electricity accumulator industry includes various stages, both for waste in the solid and liquid phases, namely identification, inventory, packaging, labeling and symbolization, storage, and transportation carried out by third parties. This research aims to assess the current condition of hazardous waste management in the electricity accumulator industry, evaluate it, and provide recommendations that are in line with applicable regulations. The research method used is a descriptive approach. In the inventory process, the electricity accumulator industry requires Temporary Storage Sites (TPS) to store B3 waste before transportation by third parties.

Factory is an Industrial Building that processing raw material. This Light Weight Brick Factory Constructions will help the region to develop their economies further. In this case, the Lightweight Brick Factory Constructions have several problem that cause construction delays. This research was carried out because of delays in the lightweight brick factory construction project in Lamongan which was scheduled for completion in the 15th week with a contract value of IDR 1,835,474,186. in week 10 there was a delay of - 42.73%, week 11 there was a delay of - 42.66%, week 12 there was a delay of - 44.84%, week 13 there was a delay of - 48.08%, week 14 have a delay of -46.18%, and week 15 have a delay of -44.68% from the planned schedule. The results of the research analysis of the project Schedule Performance Index (SPI) at the 15th week of review were 0.55, indicating that the project was have a delays. These results show that the project was 11 weeks late out of the planned 16 weeks. The factor that made the project late in completion was the contractor or vendor because there were other problems that created a lack of cash flow  

To deal with the environmental crisis, greening is an environmental conservation strategy. The concept of greening is needed because regional conditions are developing and the function of space is changing for development. Apart from playing an important role in preserving the environment, humans also have a responsibility to exploit environmental wealth for the ecosystem's survival. The Participatory Action Research (PAR) method builds community commitment to reforestation efforts to preserve the environment. The result is that the climate becomes fresher, healthier, and cooler, nature becomes maintained and clean, and people learn more about greening through planting tree seedlings. Reviving natural aesthetics, using trees as air fresheners, and reducing flooding are the goals of this service initiative.