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This qualitative study aims to explore the impact of financial literacy on human capital development within micro, small, and medium enterprises (MSMEs). The research utilizes a descriptive qualitative approach to delve into the intricate relationship between financial literacy and human capital enhancement. Sampling technique employed purposive sampling to select MSMEs owners and employees who possess varying degrees of financial literacy. Data analysis involves thematic analysis, allowing for the identification of recurring patterns and themes within the collected data. The findings underscore the pivotal role of financial literacy in fostering human capital development within MSMEs, highlighting its significance in promoting entrepreneurial success, enhancing decision-making processes, and facilitating business growth. This study contributes to the existing body of knowledge by providing insights into the mechanisms through which financial literacy influences human capital development within the context of MSMEs.

This qualitative research aims to investigate the intricate interplay between teacher workload, student achievement, and Buddhist philosophy in shaping connections between education and business realms in science and technology fields. Employing a phenomenological research model, the study will utilize purposive sampling to select participants from educational and business sectors. Data analysis will be conducted through thematic analysis, unraveling the nuanced relationships among the variables. The study anticipates revealing how Buddhist philosophical principles influence pedagogical practices, thereby impacting student outcomes and fostering collaborative ventures between academia and industry. Results are expected to provide insights into holistic educational approaches and the potential for synergy between spiritual values and technological advancements.

This study aims to investigate the intricate relationship among marketing public relations, digital marketing, marketing mix, customer service, and customer loyalty within the contemporary business landscape. Employing a qualitative research design, the study utilizes purposive sampling to gather data from a diverse range of industry experts, marketers, and consumers. Data analysis involves thematic analysis to unveil patterns, themes, and insights from the collected data. The findings shed light on the nuanced interactions among marketing public relations, digital marketing strategies, elements of the marketing mix, quality customer service provision, and its impact on fostering customer loyalty. This research contributes to a deeper understanding of the dynamic marketing ecosystem, offering valuable insights for businesses aiming to enhance customer engagement and loyalty in the digital age.    

A business actor to maintain its extension in order to enter and attract customers by creating good relationships with customers. Creating a good relationship is the goal of business actors to have loyal customers. The purpose of this study is to examine the effect of packaging quality, price perception and brand image on consumer loyalty of Oreo biscuits. This research includes quantitative research. The population of this study is visitors from May 2023 as many as 564 buyers. The sampling technique used in this study was the Slovin formula with a margin of error of 10% obtained by 85 respondents. The data analysis techniques used are instrument tests, classical assumption tests, multiple regression analysis, and hypothesis testing. The results of this study show that packaging quality has a positive and significant effect on consumer loyalty, price perception has a positive and significant effect on consumer loyalty, brand image has a positive and significant effect on consumer loyalty. Packaging quality, price perception, and brand image simultaneously have a positive and significant effect on consumer loyalty of Oreo products at the Sarimulya Limbangan store.

In the era of rapid development of digital technology, one of the marketing strategies that is increasingly being applied is through artists as advertising promotions for a product through television, including advertisements on Clear shampoo products. The main objective of this study was to evaluate the effect of celebrity endorser analysis, brand image, brand trust and television advertising on shampoo purchase decisions at Mapur stores in Brebes District. The correlation method with the quantitative approach method carried out is based on positivistic research data (concrete data), namely numerical values that will be measured by statistics as a calculation test tool, related to the problem studied to produce a conclusion. The population of this study was Clear shampoo customers at the Mapur store, Jagalempeni Village, Brebes Regency. The sample was obtained by the Slovin formula with a margin of error of 10% of the population of 413 people, then a sample of 80 respondents was obtained. The research instrument used was in the form of primary data from filling out questionnaires. The results of the t test in the study found that the brand trust variable did not have a significant influence on purchasing decisions, brand trust had an effect on purchasing decisions, television advertisements did not affect purchase decisions. Based on the F test, this value is obtained that brand trust has the most significant influence, followed by brand image, television advertising, and celebrity endorsers in order of significance of influence in a given analysis model. These results provide an idea of the relative contribution of each independent variable to the dependent variable simultaneously influencing the determination in purchasing decisions on Clear shampoo products.

Learning the History of Islamic Culture (SKI) in Madrasahs has the aim of providing knowledge about Islamic history and culture to students, then from this history students are expected to be able to take inspiration, values ​​and meaning in that history. However, in reality, after being investigated, learning the history of Islamic culture in Madrasas found several problems (problematics) in SKI learning. This research aims to find out what the problems are and how to overcome them by using the library research method by reading sources from the internet such as journals which the researchers then analyze. Then the results of this research are that the problems of SKI learning include: problems of students, problems of educators, problems of facilities and infrastructure, problems of insufficient learning time, negative views about SKI, problems of learning that is less interesting or monotonous, and problems of the dominance of cognitive aspects of knowledge. In SKI learning, the solution to overcome this problem is for teachers to better master the learning material and teachers are required to be creative and innovative in creating an SKI learning atmosphere that is interesting and easy to understand by students by using interesting strategies, media and methods using advanced science and technology technology.

Teachers as the main component in the learning process play an important role. The role of the teacher is to educate, teach, guide and train and motivate students, so that they are able to be disciplined, so that they are successful in pursuing education. Teachers have a big role in educating students because teachers can train students' discipline at school so that good character is formed in children. The aim of this research is to explain the role of teachers in implementing student discipline at MIN 1 Medan. This research uses qualitative methods with descriptive research type. Data collection techniques in this research were carried out by observation, interviews and documentation with MIN 1 Medan teachers. The results of the research show that the role of teachers in applying learning discipline to students at MIN 1 Medan is good because with teachers being role models of discipline for their students, the teachers there have displayed and provided examples of good attitudes in implementing students' disciplinary character.

As time goes by, the phenomenon of learning often changes in educational institutions in the country. This phenomenon is often faced by subject teachers, especially by Arabic language subject teachers. This variant learning phenomenon is a challenge for Arabic language teachers to anticipate the possibilities that cause mental degradation and failure to achieve students' understanding of Arabic language subject matter. The openness of Arabic teachers in choosing learning methods that must be applied every time they carry out teaching activities can project the achievement of basic educational goals that can be realized perfectly. Thus, Arabic language teachers must be able to develop good learning strategies, one of which can be done is to use effective and fun learning methods. One of the methods referred to is al-Thoriqoh al-Intiqo'iyah (electic method). The aim of this research was to identify Arabic Language Learning Innovations through al-Thoriqoh al-Intiqo'iyah in Growing Students' Interest in Learning Arabic at MA. Nurul Hikmah Besuki Situbondo. The data collection techniques used were observation, interviews and documentation. In this research, the researcher used a descriptive method with a qualitative approach with a case study type of research. The data collection techniques used were observation, interviews and documentation. Apart from that, researchers in analyzing data use an interactive model which consists of elements in the form of data reduction, data presentation, and data analysis. Meanwhile, the data inspection technique for this research uses triangulation. The research results confirmed that al-Thoriqoh al-Inriqo'iyah was implemented in the Supreme Court. Nurul Hikmah repeated the positive results, students were able to grow interested in learning Arabic through modifying the learning method. The justification for the success of using al-Toriqoh al-Intiqo'iyah in the school is illustrated by the enthusiasm for learning which continues to increase in addition to the participation of students in various language activities

Halal SMEs in Pekalongan need to adopt a more progressive approach to remain relevant and competitive. Innovation is not just a concept but also an urgent necessity to enhance products, production processes, and marketing strategies. Halal SMEs in Pekalongan should view innovation as the key to improving their competitiveness globally. Empowering Halal SMEs through the Pekalongan Halal Special Economic Zone (KEK) should be the main focus in the strategic plan and regional economic development. This research utilizes qualitative descriptive research with an exploratory approach. It is also a type of literature study. The results of this literature review illustrate the importance of empowering Halal SMEs to achieve global competitiveness through innovation and collaboration. In the context of empowerment, crucial aspects include capital, education, training, and financial support, needed to enable SMEs to develop their production capacity and innovation. Furthermore, the Pekalongan Halal KEK plays a significant role as a facilitator of the growth of the halal economic sector. The KEK provides incentives, infrastructure, and strict regulations that encourage transparency and access to the global market for halal products.

Growth iiand iidevelopment iihave iithe iisame iimeaning, iithat iiis, iiboth iiexperience change, iibut iispecifically iithe iiterm iigrowth iiis iidifferent iifrom iidevelopment. Growth iiis iibiological, iianatomical iiand iiphysiological iichanges iiin iihumans, while iidevelopment iiis iipsychological iiand iimotoric iichanges iiin iihumans. Students iiare iicreatures iithat iigrow iiand iidevelop. iiDevelopment iiis iia iinatural process iithat iievery iiindividual iifaces. iiIn iithis iicase iistudents iidevelop iithe potential iithat iiexists iiwithin iithem iithrough iithe iiprocess iiof iilearning iiand education. iiThis iilearning iiis iitaken iiin iiseveral iilevels, iistarting iifrom iithe earlyischool iiage iito iithe iimiddle iilevel. iiStudent iidevelopment iiis iian iiimportant component iithat iimust iibe iiknown iiby iian iieducator iior iiteacher. iiEducators' understanding iiof iistudent iidevelopment iiwill iihelp iieducators iiin iithe iilearning process. iiEducators iican iichoose iiwhat iikind iiof iitheme iiis iiin iiaccordance iiwith the iidevelopment iiof iistudents. iiLearning iithat iidoes iinot iipay iiattention iito iithe development iiof iiparticipants iiwill iimake iiparticipants iibored iiand iifrustrated.

This research explores the application of Monte Carlo Simulation in estimating portfolio risk in the Indonesian stock market. The primary objective is to assess the effectiveness of this method in predicting portfolio return distribution and managing risk compared to traditional methods like Value at Risk (VaR). Data from the Indonesia Stock Exchange (IDX) were used to analyze stock returns, focusing on sectors such as telecommunications and property. Monte Carlo Simulation was applied to generate multiple scenarios of stock returns based on historical data and probabilistic distributions. The findings show that Monte Carlo Simulation provides a more comprehensive risk estimation, especially for stocks with high volatility and small market capitalization. Unlike VaR, which assumes a normal distribution, Monte Carlo Simulation accounts for extreme risk events and market uncertainties. The study also highlights the importance of diversification, as portfolios with a mix of high and low volatility stocks demonstrate a more stable risk profile. The results suggest that Monte Carlo Simulation is an effective tool for investors looking to manage risk in dynamic market conditions, providing more accurate and reliable estimations compared to traditional risk assessment methods. This research recommends further exploration of Monte Carlo Simulation in other sectors or with varied data for broader applications in risk management.

The advancement of Industry 4.0 demands production systems to operate more efficiently, adaptively, and securely in facing global challenges. One promising technology that addresses these needs is the Digital Twin (DT), a digital representation of physical systems that enables integration between the real and virtual environments. Through DT, production processes can be modeled, monitored, and tested in real time, allowing for evaluation and optimization before implementation in actual systems. This study aims to explore the effectiveness of DT in modeling automated industrial systems, particularly in relation to improving production efficiency, quality control, energy savings, and operational safety. The research employed an experimental approach based on simulation within a robotic production line consisting of machines, sensors, actuators, and conveyors. The research stages included identifying system components and workflows, developing a DT model that integrates physical and virtual layers with Internet of Things–based data connectivity, and conducting simulations representing diverse operational scenarios. The findings indicate that DT implementation enhances operational efficiency, reduces production errors, and optimizes energy utilization. Furthermore, DT proves effective in strengthening safety aspects by enabling early detection of potential disruptions and providing preventive recommendations before significant impacts occur. Compared to conventional simulations, DT offers a more realistic, adaptive, and relevant approach to the needs of modern industry. The implications of this study highlight DT’s strong potential to become a new standard in the development and control of automation-based production systems, driving the creation of smarter, more efficient, and sustainable industries.

Quantum computing has emerged as a revolutionary paradigm, holding immense potential to solve complex problems that classical computing struggles to address. This study explores the application of quantum computing in cryptography, with a specific focus on two major quantum algorithms: Shor’s algorithm for large number factorization and Grover’s algorithm for unstructured database searching. The main objective of this research is to compare the performance of these quantum algorithms with classical cryptographic methods in terms of computational efficiency and time. Shor’s algorithm, which can factorize large numbers in polynomial time, presents a significant threat to the security of public-key cryptosystems such as RSA, which rely on the difficulty of factoring large numbers. On the other hand, Grover’s algorithm offers a quadratic speedup for searching unstructured databases, making it highly relevant for symmetric key cryptography systems like AES. In this study, simulations of both algorithms were conducted using quantum simulators to assess their speed and effectiveness in solving cryptographic challenges. The results demonstrate that quantum algorithms significantly reduce the computation time compared to classical methods, with Shor’s algorithm efficiently solving factorization problems and Grover’s algorithm accelerating key searching processes. However, while these quantum algorithms show promise in improving cryptographic systems, the implementation of large-scale quantum computers remains a challenge. This research highlights the potential of quantum computing to revolutionize data security and underscores the need for further development in quantum algorithms and the transition to quantum-resistant cryptographic systems to safeguard against the threat posed by quantum computers.

This study investigates the intrinsic relationship between mathematics and classical music by analyzing harmonic patterns in compositions of renowned composers such as Bach, Mozart, and and Beethoven. The research employs an analytical quantitative approach, using statistical tools to map and identify numerical ratios within musical intervals and the relationships between chords. Data were collected from selected musical works to examine interval structures and harmonic progression patterns. Findings reveal that classical music exhibits consistent mathematical patterns, including the octave (2:1), perfect fifth (3:2), and other proportional relationships that form the basis of chord construction and harmonic coherence. These patterns demonstrate that mathematical principles are inherently embedded in musical compositions, allowing for an objective analysis of music structure without diminishing its aesthetic and emotional value. Furthermore, the study highlights the value of an interdisciplinary perspective, combining quantitative analysis with traditional music aesthetics, which provides new insights into understanding compositional techniques and creativity. The results also suggest that recognizing mathematical structures in music can contribute to a deeper understanding of music theory and education, enhancing how students and scholars approach musical analysis. Overall, this research emphasizes that integrating mathematical and artistic perspectives not only supports the scientific study of music but also encourages a holistic appreciation of the creative process, bridging the gap between art and science while offering practical implications for music pedagogy, theory, and performance studies.

Drug-resistant tuberculosis (TB) is an escalating global health issue, particularly with the rise of multidrug-resistant (MDR-TB) and extensively drug-resistant TB (XDR-TB), which complicate treatment and control efforts. Resistance to both first-line and second-line drugs weakens the effectiveness of standard WHO-recommended therapies, while alternative drugs can cause severe side effects and reduce patient adherence. This study aims to explore the integration of bioinformatics and pharmacogenomics in supporting personalized TB treatment to improve therapeutic success and reduce the risk of further resistance. The research employed a laboratory-based experimental design with a bioinformatics approach, involving TB patients with clinical evidence of drug resistance. Clinical samples were analyzed through whole genome sequencing to identify gene mutations associated with resistance, followed by pharmacogenomic mapping to predict pharmacological responses based on patients’ genetic variations. The results revealed several specific gene mutations consistently linked to resistance and produced individualized therapeutic recommendations that were more targeted than standard protocols. Effectiveness evaluation demonstrated that genome-based personalized therapy yielded higher treatment success rates, faster recovery times, and lower rates of subsequent resistance. These findings highlight the significant potential of precision medicine in TB management, particularly for resistant cases that are difficult to treat with conventional approaches. In conclusion, the integration of bioinformatics and pharmacogenomics plays an essential role in strengthening TB treatment strategies through a personalized, adaptive, effective, and sustainable approach. Nevertheless, its implementation still faces challenges such as high costs, limited infrastructure, and the need for clear regulations regarding the use of patients’ genomic data.

This research used a qualitative descriptive approach, namely by describing and analyzing the problems found. Qualitative research is based on primary data and secondary data. Primary data in this research was obtained by conducting observations, interviews, and documentation, while secondary data was obtained through books, previous research, and articles related to research. The aim of this research is to determine the application of 4S principles by vocational employees at PT From the results of this research, it can be seen that PT This can be seen from the lack of implementation of other 4S aspects.

This qualitative study investigates the perspectives of 240 Semester 3 cadets at the Maritime Institute Jakarta (STIP Jakarta) regarding An Operational Approach to Maritime Cyber Resilience. Over three semesters, the research scrutinizes cadets' academic self-checked intelligence, perceived professional competences, motivations, and the interplay between language development and preparedness for global roles. The demographic diversity of the cadet sample, representing majors in Nautical, Technical, and Port and Shipping Management, ensures a comprehensive exploration of maritime education. The findings reveal a positive evolution in cadets' understanding of maritime cyber resilience, with a notable increase in academic self-checked intelligence. The curriculum's effectiveness in cultivating a nuanced comprehension of cyber threats is underscored by the enhanced professional competences perceived by cadets, indicating preparedness for the practical challenges in the maritime industry. Motivations and engagement exhibit a positive trajectory, from initial challenges to sustained interest, indicating the subject's growing relevance over time. The interconnected development of English language proficiency and subject mastery emphasizes the need for targeted language support within maritime education. The positive correlation between improved language fluency and a deeper understanding of maritime cyber resilience suggests the symbiotic relationship between linguistic and technical competence. The study's implications extend beyond STIP Jakarta, offering insights for refining maritime education globally. Recommendations encompass dynamic pedagogical approaches, continual curriculum evaluation, industry collaboration, and language enhancement initiatives. By embracing these recommendations, maritime education programmes can foster a resilient cadre of professionals adept at navigating the complexities of the modern maritime industry.

This qualitative study investigates the perspectives of 240 Semester 3 cadets at the Maritime Institute Jakarta (STIP Jakarta) regarding An Operational Approach to Maritime Cyber Resilience. Over three semesters, the research scrutinizes cadets' academic self-checked intelligence, perceived professional competences, motivations, and the interplay between language development and preparedness for global roles. The demographic diversity of the cadet sample, representing majors in Nautical, Technical, and Port and Shipping Management, ensures a comprehensive exploration of maritime education. The findings reveal a positive evolution in cadets' understanding of maritime cyber resilience, with a notable increase in academic self-checked intelligence. The curriculum's effectiveness in cultivating a nuanced comprehension of cyber threats is underscored by the enhanced professional competences perceived by cadets, indicating preparedness for the practical challenges in the maritime industry. Motivations and engagement exhibit a positive trajectory, from initial challenges to sustained interest, indicating the subject's growing relevance over time. The interconnected development of English language proficiency and subject mastery emphasizes the need for targeted language support within maritime education. The positive correlation between improved language fluency and a deeper understanding of maritime cyber resilience suggests the symbiotic relationship between linguistic and technical competence. The study's implications extend beyond STIP Jakarta, offering insights for refining maritime education globally. Recommendations encompass dynamic pedagogical approaches, continual curriculum evaluation, industry collaboration, and language enhancement initiatives. By embracing these recommendations, maritime education programmes can foster a resilient cadre of professionals adept at navigating the complexities of the modern maritime industry.

This research aims to reveal and analyze the fiber of Galunggung's mandate: The Successor Rulers to the Throne of the Galuh Kingdom. The research method used is a type of descriptive research analysis of the fiber of trust in Sundanese culture with the application of content analysis techniques carried out with systematic characteristics. Therefore, the researcher's focus is on studying the fiber of meaning that exists in Sundanese culture by using the concept of structural description to explain the types of meaning contained in poetry, starting from connotative meaning and denotative meaning. The results of this research reveal three mandates which are a form of advice to the next generation to always obey the adages of their parents in order to live a safe and prosperous life, then the next generation must also always guard their words when speaking, and the last is that every event has a cause and effect so that When behaving, there needs to be rules that lead to goodness so that the results you reap will be good.

Every place in the world has a name given to give it an identity and make it known. With this basis, the researcher focuses on the names of sub-districts and cities in the Tasikmalaya City and Regency area, including the name Tasikmalaya itself which will be studied using lexical semantic theory. The research method applied is descriptive qualitative. Based on the results of the analysis above, there are several regional names of cities and districts in Tasikmalaya which have interesting origins based on the meaning of regional naming which has lexical meaning, including the areas Tasikmalaya, Singaparna, Manonjaya, Parung Ponteng, Jamanis, Rajapolah, Mangunreja, Mangkubumi, Cibalong and Indihiang. Of the ten regional names that have been explained, each regional name has a history and meaning, a combination of lexemes in the process of naming the region so that this becomes a distinctive feature for people who do not know about it. It can be concluded that the naming of regions in Tasikmalaya originates from the uniqueness and characteristics of naming according to the origins that describe a place or an event in the area concerned.