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Literacy is an essential talent that every individual must acquire for daily living, encompassing the capacity to read, write, comprehend, and process information in diverse formats.  This paper is to examine the assessment outcomers of ther conterxt, input, procerss, and output of ther literracy program at SD GMIT 2 Oersao.  This study utilizers a qualitativer merthodology.  Data gatherring was erxercuterd by obserrvation, interrvierws, and documerntation.  Therser stratergiers correrspond with ther asserssmernt moderl utilizerd in this study, spercifically ther CIPP (Conterxt, Input, Procerss, Product) moderl.  Ther ervaluation rersults dermonstrater that this program is drivern by pupils' inaderquater rerading skills and lack of interrerst, supporterd by a robust lergislativer framerwork erstablisherd by Perrmerndiknas No. 23 of 2015.  The initiative seeks to augment reading engagement and cultivate a literacy culture among pupils.  The human resources, comprising the principal, educators, and literacy facilitators, are integral to the program's success.  The curriculum is executed systematically by categorizing pupils according to their aptitude levels, accompanied by biweekly assessments.  This has demonstrated considerable enhancement in pupils' reading skills and engagement, including successes in speed reading contests.  The fundamental literacy program at SD GMIT 2 Oesao is efficacious and positively impacts the enhancement of pupils' literacy skills.

Humans are not merely thinking beings but also emotional and spiritual creatures. However, modern education tends to prioritize the cognitive dimension and academic achievement, while psychological and spiritual aspects are often neglected. This imbalance has resulted in the emergence of intellectually capable generations who may lack emotional maturity and moral integrity. Therefore, an educational approach that incorporates philosophical, psychological, and Islamic values is essential in shaping a holistic human being. This study aims to analyze the nature of humans from a psychological perspective and its implications for designing holistic, learner-centered education. This research employs a qualitative approach using the library research method. Data collection was carried out through documentary studies by reading and reviewing written sources such as scientific books, journal articles, and other academic literature relevant to the research topic. The data were analyzed using content analysis, which includes identifying themes, categorizing key ideas, and drawing conceptual meanings from the collected data. The results show that from a psychological perspective, humans possess innate potentials that develop through specific stages, are influenced by environmental factors, and have a fundamental need for self-actualization. Humanistic, cognitive, and behaviorist psychological approaches all contribute to a more comprehensive understanding of human nature. The findings reinforce the notion that education focused solely on cognitive development is insufficient for shaping a well-rounded personality. Therefore, the education system must be oriented toward balanced development of the cognitive, affective, socialand spiritual dimensions of learners.

This study examines the challenges and problems faced by Islamic education amid the complex dynamics of globalization. While globalization brings positive impacts through advances in information and communication technology, it also poses challenges such as the infiltration of global cultural values that do not always align with Islamic principles. This study employs a descriptive qualitative approach using a library research method, drawing from scholarly sources in national journals and recent academic books. The findings reveal that Islamic education encounters internal challenges such as conventional teaching methods, curricula that are unresponsive to changing times, and low digital literacy among educators. Meanwhile, external challenges include the secularization of education, unequal access, technological revolutions, and multicultural issues. To address these challenges, it is necessary to reformulate an integrative curriculum, improve teacher professionalism, and create educational environments that support Islamic values. This article recommends a transformative and adaptive approach to Islamic education that remains firmly rooted in the values of tawhid and akhlaq al-karimah in facing global challenges.

The era of disruption marked by the rapid development of technology and information brings serious challenges to the world of education, especially in shaping the faith and morals of students. Islamic Religious Education (PAI) has a strategic role in protecting students from the negative influences of this era, through strengthening faith in Allah SWT as the main foundation for character formation. This study aims to analyze the urgency of faith in shaping the faith and morals of students in the midst of the flow of disruption. The approach used is qualitative with a literature study method, reviewing various scientific literature, journals, and relevant documents. The results of the study show that strong faith is the main driver in the commendable behavior of students and a shield against moral relativism and social deviation. Religious education must be integrated comprehensively into the curriculum, teacher training, and learning environments that support the internalization of divine values. In conclusion, strengthening faith in Allah is very urgent as a basis for forming strong faith and morals in facing the challenges of the era of disruption.

This research aims to describe and analyze the implementation of the strategy for developing students' interpersonal and intrapersonal intelligence through learning moral beliefs in class XI MA Ma'arif NU Pituruh Purworejo, the main objective is to focus on 3 topics, including: 1. the concept of interpersonal and intrapersonal intelligence development strategies in learning moral beliefs, 2. strategies for the application of students' interpersonal and intrapersonal intelligence development through learning moral beliefs in class XI, 3. supporting and inhibiting factors for the implementation of the strategy. This study uses a qualitative approach with a descriptive method. Data collection techniques are carried out through interviews, observations, and documentation. The results showed that interpersonal and intrapersonal intelligence development strategies were applied through participatory learning and reflection such as group discussions, role-play, reflection journal writing, and case studies. Supporting factors for the implementation of the strategy include teacher commitment, madrasah policy support, and a positive learning environment. Meanwhile, the inhibiting factors include limited learning time, infrastructure, and emotional readiness of students. Overall, these strategies contribute to the formation of students' character and the improvement of social skills and self-reflection.

Humans are not merely thinking beings but also emotional and spiritual creatures. However, modern education tends to prioritize the cognitive dimension and academic achievement, while psychological and spiritual aspects are often neglected. This imbalance has resulted in the emergence of intellectually capable generations who may lack emotional maturity and moral integrity. Therefore, an educational approach that incorporates philosophical, psychological, and Islamic values is essential in shaping a holistic human being. This study aims to analyze the nature of humans from a psychological perspective and its implications for designing holistic, learner-centered education. This research employs a qualitative approach using the library research method. Data collection was carried out through documentary studies by reading and reviewing written sources such as scientific books, journal articles, and other academic literature relevant to the research topic. The data were analyzed using content analysis, which includes identifying themes, categorizing key ideas, and drawing conceptual meanings from the collected data. The results show that from a psychological perspective, humans possess innate potentials that develop through specific stages, are influenced by environmental factors, and have a fundamental need for self-actualization. Humanistic, cognitive, and behaviorist psychological approaches all contribute to a more comprehensive understanding of human nature. The findings reinforce the notion that education focused solely on cognitive development is insufficient for shaping a well-rounded personality. Therefore, the education system must be oriented toward balanced development of the cognitive, affective, socialand spiritual dimensions of learners.

Dispensational theology is a system of biblical interpretation that views the history of salvation as a series of periods or dispensations in which God interacts with humanity in different ways, each with distinct rules and responsibilities. This writing aims to understand the development of the concept of dispensationalism, its literal method of interpretation, and the differing perspectives between Israel and the Church in God's plan. The method used is a literature review, analyzing various scholarly works and theological sources. The study's findings indicate that dispensationalism emphasizes a literal interpretation of the Bible, makes a clear distinction between Israel and the Church, and understands God’s promises as being fulfilled literally in the future. This system continues to develop and remains relevant in contemporary Christian theological discourse, including in Indonesia.

Artificial Intelligence (AI) can be a transformational tool in Christian Religious Education in the digital era. Technological advancements bring significant changes to the way we learn and teach, including religious education, which demands innovative methods to remain relevant to the younger generation increasingly connected to technology. AI offers various opportunities to enrich the learning experience and deepen the understanding of Christian values through a more personal and interactive approach. This article discusses several AI applications in Christian religious education, such as virtual assistants for spiritual guidance, in-depth Bible text analysis, and adaptive learning platforms that can tailor materials to the needs of learners. With AI technology, Christian religious education can provide more interactive and responsive modules, allowing learners to delve into religious teachings both individually and in groups. Additionally, the use of AI in analyzing learning behavior allows for more effective curriculum personalization according to the spiritual needs of each individual. This approach can address the challenge of maintaining the relevance of religious values amidst the rapid influx of digital information. This article also examines the potential of AI in aiding faith development, for example through spiritual reflection applications tailored to the user's spiritual growth. This transformation is expected to prepare a generation of Christians who are not only technologically savvy but also spiritually strong, and empowered to face moral and ethical challenges in the future. Thus, AI-based Christian Religious Education can be a pathway to building a relevant and dynamic spiritual future in the digital era.

Work loyalty is a fundamental pillar in human resource management that plays a critical role in sustaining organizational development and enhancing employee productivity. This study aims to explore and analyze the strategies implemented by PT. Bank BTPN Syariah MMS Rantau Rasau in maintaining employee loyalty, particularly among Community Officers who serve as the frontline representatives of the bank in delivering services directly to local communities. The research adopts a descriptive qualitative approach using in-depth interviews and documentation as data collection techniques. The findings reveal that work loyalty can be fostered through several strategies, including equitable and measurable reward systems, regular and relevant training, structured career development, and appropriate compensation and performance-based incentives. Additionally, leadership support and effective two way communication between management and employees play a crucial role in cultivating a sense of ownership and emotional attachment to the organization. These strategies significantly contribute to strengthening employee commitment, dedication, and the willingness to stay and grow with the company, ultimately leading to increased productivity in both quantitative target achievement and qualitative service delivery. This study offers practical implications for the development of human resource management policies in the Islamic banking sector and serves as a reference for other organizations facing similar challenges in maintaining employee loyalty and improving productivity. A comprehensive understanding of loyalty strategies enables organizations to build a sustainable and productive work environment.

This study aims to examine the implementation of competency-based human resource management (HR) in improving employee professionalism at Devos Jok, an SME engaged in the automotive interior manufacturing sector. A descriptive qualitative approach is used to explore in depth the HR practices carried out, the challenges faced, and the impact on employee work quality. The results of the study indicate that the transformation of the HR system from an administrative pattern to a competency-based one has made a significant contribution to improving individual and organizational performance. The strategies implemented include competency-based recruitment, ongoing training, flexible payroll systems, and adaptation to digital platforms. However, challenges remain, especially in overcoming resistance to change and limited training resources. This study provides theoretical and practical contributions to the development of a competency-based SME HR system in the context of today's creative and digital industries.

This study aims to analyze the spending patterns of students at the Faculty of Islamic Economics and Business (FEBI), State Islamic University of North Sumatra (UINSU), and to examine the implementation of personal financial planning in their daily lives. This research employs a qualitative approach using a case study method. Data were collected through in-depth interviews with 40 students from various departments and semesters, selected purposively. The findings indicate that most students have high expenditures on consumption needs such as food and internet access, as well as lifestyle expenses like online shopping and entertainment. The majority do not regularly prepare a financial budget, rarely record their expenses, and exhibit impulsive spending behavior influenced by social pressure and digital media. Although students possess theoretical knowledge of Islamic economic values, their practical application in financial management remains limited. This study recommends the need for more practical, Islam-based financial literacy programs within the FEBI UINSU environment. Financial training and mentoring programs are considered essential to enhance students' financial awareness and independence.

Indonesia's cosmetics industry has experienced rapid growth, leading to heightened competition and necessitating consumer-oriented marketing strategies. Jelita Cosmetic Store, located on Mayjend HR. Muhammad Street in Surabaya, faces these challenges by focusing on key marketing aspects such as Store Atmosphere, Sales Promotion, and Product Diversity. This study aims to examine the influence of Store Atmosphere, Sales Promotion, and Product Diversity on consumer purchasing decisions at the aforementioned store. A quantitative research method was employed, involving 100 respondents through an online questionnaire. The findings indicate that all three variables significantly affect purchasing decisions, both partially and simultaneously. These results underscore the importance of integrated marketing strategies in enhancing customer loyalty and increasing sales. This research is expected to serve as a reference for cosmetic retail practitioners and encourages future studies to include additional variables such as price, service quality, or brand image to provide a more comprehensive understanding of consumer purchasing behavior.

This study aims to analyze the violation of accounting professional ethics in the PT Asuransi Jiwasraya scandal, one of the biggest financial cases in Indonesia. The main focus of this study is to identify the forms of ethical violations that occur, analyze the principles of the code of ethics that are violated, and understand the impact and causal factors of manipulative actions in the company's financial statements. This study uses a descriptive qualitative approach based on the theory of Accounting Professional Ethics and Fraud Triangle Theory. The results of the analysis show that in the Jiwasraya case there was a violation of the principles of integrity, objectivity, professional competence, confidentiality, and professional behavior. Manipulation of financial statements was carried out to cover up the company's actual loss, which caused state losses of up to trillions of rupiah and damaged public trust in the financial industry. Stricter supervision, consistent application of professional ethics, and improvement of governance are needed so that similar cases do not recur in the future.

The cage has an important role in successful production because a comfortable cage will produce maximum productivity. The aim of this research is to determine the comparison of the productivity of laying hens in the Open House system and the Closed House system at Adam Farm. The method used in this research was to collect data by observing recording data obtained from the two cage systems at Adam Farm. The method used is a descriptive method, then a t test is carried out from December 2023 to February 2024 at Adam Farm Magetan, East Java. The results obtained in this research are the average value of feed intake for maintenance with an open system of 119.98 gr/head, while for maintenance with a closed system it is 131.10 gr/head, the average value -The average feed conversion ratio for maintenance with an open system is 2.92 kg, while for maintenance with a closed system it is 2.37 kg, the average value of hen day production for maintenance with an open system. Amounted to 67.68% while with closed system maintenance  it was 84.12%, and the average mortality value for maintenance with an open system was 5 animals while with maintenance with a closed system amounting to 9 heads. The conclusion from this research is that maintenance with a closed system produces better productivity than an open maintenance.

In today's digital era, social media has become one of the most effective marketing tools, especially for Micro, Small, and Medium Enterprises (MSMEs). This study aims to examine the role of social media in MSME product marketing strategies and its impact on increasing visibility and sales. Social media such as Instagram, Facebook, and TikTok provide an affordable and easily accessible platform for MSMEs to build brands, interact directly with consumers, and promote products creatively. This study uses a qualitative approach through in-depth interviews with MSMEs and social media content analysis. The results of the study show that the strategic use of social media can increase the competitiveness of MSMEs, expand market reach, and build stronger relationships with consumers. However, the effectiveness of this strategy is also greatly influenced by consistency, understanding of the target market, and the ability to manage content professionally. Thus, social media has a vital role in supporting the growth and sustainability of MSMEs amidst increasingly competitive market competition.

Penelitian ini bertujuan untuk menganalisis pencatatan akuntansi produk simpanan wadiah oleh BMT dan kesesuaiannya dengan PSAK 459 serta PAPSI, serta mengidentifikasi kendala-kendala yang dihadapi dalam penerapannya. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, dokumentasi, dan wawancara. Hasil penelitian menunjukkan bahwa: 1) KSPPS BMT Nusa Ummat Sejahtera Cabang Cileunyi Bandung menggunakan software IBSS dalam pencatatan akuntansi simpanan wadiah, sehingga pencatatannya menjadi lebih efektif; 2) Pencatatan akuntansi simpanan wadiah belum sepenuhnya sesuai dengan PSAK 459, terutama dalam pengakuan penerimaan, pendapatan, dan beban yang seharusnya diakui pada saat terjadinya, serta pendapatan atas pengelolaan dana yang seharusnya bukan merupakan keuntungan untuk dipublikasikan, dan pemberian bonus yang seharusnya tidak diperjanjikan sebelumnya; 3) Pencatatan juga belum sepenuhnya sesuai dengan PAPSI, khususnya dalam pengakuan beban dan pengungkapan fasilitas isimewa kepada penyimpan; 4) Kendala utama terletak pada transaksi BMT yang masih sederhana dan software IBSS yang belum terintegrasi, sehingga laporan keuangan akhir tidak lengkap dan memuat atas transaksi wadiah, terutama terkait fasilitas istimewa, belum diterapkan secara maksimal.

In the first quarter of 2025, the Indonesian rupiah experienced a significant depreciation, weakening from approximately IDR 15,800 per USD in January to IDR 17,200 per USD by the end of March 2025. This study aims to identify and analyze the external and domestic factors contributing to the rupiah’s decline during this period. External pressure mainly stemmed from the U.S. Federal Reserve’s hawkish stance—maintaining its benchmark interest rate at 5.25%–5.50% which triggered capital outflows from emerging markets. Additionally, global geopolitical uncertainty, including tensions in Eastern Europe and trade frictions between the U.S. and China, raised the global risk premium and strengthened the U.S. dollar against the rupiah. On the domestic side, Indonesia’s trade deficit widened to USD 3.2 billion in Q1 2025 due to rising energy import demand amid surging global oil prices. Furthermore, the state budget deficit increased to IDR 104.2 trillion by March 2025 up 20% year on year undermining investor confidence. Using a qualitative descriptive method through content analysis of reports from Bank Indonesia, BPS trade statistics, and relevant media sources, this study finds that the combination of elevated U.S. interest rates, geopolitical tensions, trade imbalances, and fiscal deficits accelerated the depreciation of the rupiah. Policy recommendations include targeted foreign exchange intervention by Bank Indonesia, monetary tightening in line with global trends, fiscal consolidation to reduce the budget deficit, and export diversification to mitigate external shocks.

As an archipelagic nation with the fourth largest population in the world, Indonesia faces challenges in employment opportunities due to the imbalance between population growth and job availability. Consequently, both central and regional governments are now focusing on the development of the informal sector, which contributes significantly to the economy and employment creation. In the era of the digital economy, this sector benefits from technological advancements. However, informal entrepreneurs continue to face obstacles such as limited access to technology, human resources, and capital. This study aims to examine the influence of education, capital, and information technology on the income of informal sector actors who utilize e-commerce in Denpasar City, both simultaneously and partially. The data used in this study consists of both primary and secondary sources, collected through interviews with 100 respondents selected using purposive sampling. The analytical methods employed include descriptive analysis and multiple linear regression analysis. The results show that the variables of education, capital, and information technology simultaneously have a significant influence on the income of the informal sector. Partially, each of these variables also exerts a positive and significant influence on income. Based on these findings, it is recommended to increase attention to education and training in digital technology utilization, as well as improve access to capital for informal entrepreneurs. These efforts can enhance sales performance, expand market reach, and consequently increase income.

Public service reflects the state's role in fulfilling the needs of society in a fair and transparent manner. In the rapidly evolving digital era, public services in Indonesia have undergone significant transformation through the utilization of information technology. This study aims to examine strategies for improving the quality of public services in Indonesia in response to digitalization, emphasizing the importance of adapting to digital technologies to deliver more efficient, transparent, and accountable services. A qualitative descriptive approach was employed, analyzing various literature and regulations related to public services and digital transformation. The results indicate that digitalization has had a positive impact on the enhancement of public service quality, particularly in terms of accessibility, efficiency, and public participation. E-government and online service systems have proven effective in reducing bureaucracy, increasing public satisfaction, and strengthening the principles of good governance. However, challenges such as the digital divide and infrastructure readiness remain critical obstacles. Therefore, public service strategies in the digital era must involve active collaboration between the government and society, along with strengthening technological capacity and human resources. With this approach, digital transformation in public services can be more inclusive and sustainable.

The aim of this research is to determine the implementation of public service accountability and the inhibiting and supporting factors in the implementation of public service accountability in East Towuntu Village, Pasan District. The approach in this research is qualitative descriptive research. This research was chosen because it presents data systematically, factually and accurately regarding the facts in the field. The object of this research is Public Services. This research was conducted at the Towuntu Village Office as an extension of the central government and provider of services to the community. The informants in this research were all Towuntu Village officials, Pasan District. In providing services to the community, the Towuntu Village Government has demonstrated performance accountability/accountability in order to maintain community trust. This is demonstrated by the existence of a flow of accountability starting from the lowest level, namely village officials, to their leaders, namely Old Law. There are several factors that can influence the accountability/accountability process, where these factors originate from within the individual as a Village Apparatus and the environmental influence of Towuntu Village. However, as the experience of Towuntu Village officials increases, the level of understanding of the importance of performance accountability can be increased so that the process of implementing accountability can run well.