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This study aims to analyze the influence of digital transformation and lifestyle on saving decisions, with user satisfaction as a mediating variable among users of the KB Star application in Jember Regency. Digital transformation enables financial institutions to offer efficient, fast, and integrated services, while lifestyle reflects customer preferences and behaviors that also shape financial decisions. KB Star, as a digital banking platform by KB Bank, has experienced a significant increase in users; however, not all customers utilize its features to the fullest. This research adopts a quantitative approach using explanatory research methods. Data were collected through questionnaires distributed to 200 respondents who were active users of KB Star. The results indicate that digital transformation and lifestyle significantly influence user satisfaction, and that satisfaction acts as a mediating factor in influencing savings decisions. This study provides implications for the development of digital services oriented toward customer satisfaction and lifestyle needs as a strategy to enhance loyalty and financial decision-making in the digital era.

The rapid advancement of digital technology has led to significant changes in how people conduct financial transactions, particularly the shift from cash payments to digital methods that are viewed as more efficient, faster, and safer. This study aims to analyze differences in the frequency of using three types of financial transactions cash, e-wallets, and bank transfers in daily life. A quantitative descriptive-comparative approach was applied, involving 47 respondents selected through purposive sampling. The instruments were tested for validity and reliability before analysis. Data were examined using the Friedman test to assess differences in usage frequency among the three methods. The findings show a significant difference in frequency, with e-wallets being the most used, followed by bank transfers, and then cash. These results suggest that people now prioritize convenience, speed, and accessibility in financial activities. The implications highlight the need for financial institutions and payment providers to enhance digital security systems and improve service accessibility. Small business operators are encouraged to adapt to changing consumer preferences that increasingly favor digital payments. Furthermore, improving digital financial literacy is essential to support broader financial inclusion. This study also provides recommendations for policymakers to expand access to digital financial services, especially for underserved communities.

This study investigates the relationship between the level of fourth-semester students' interest in a course and their learning drive. The research focus is on students from the Sharia Accounting Study Program at UIN Sunan Gunung Djati Bandung, batch of 2023. We assume that interest in a course can influence learning enthusiasm, which subsequently impacts the quality of learning and academic achievement. A quantitative approach, specifically a correlational design, was applied in this research. Questionnaires were distributed to fourth-semester students to collect data, which were then analyzed using the Pearson correlation test. The research results indicate a substantial relationship between students' interest in a course and their learning motivation; an increase in interest is directly proportional to an increase in motivation.

The development of trade has provided very free space for movement in every transaction so that goods and services are easily owned and consumed by consumers, one of which is thrifting clothing which is one of the most basic needs for humans which is very important to use to cover and protect the body in every his activities. The aim of this research is to analyze the influence of brand image on consumer trust, the influence of product quality on consumer trust, the mediating role of consumer trust on the relationship between brand image and product quality, the mediating role of consumer attitudes on the relationship between brand image and product quality, the influence of brand image on buying interest, and the influence of product quality on purchasing interest. The influence of brand image and product quality on interest in buying thrift clothes in the growing fashion industry. This research also examines the mediating role of consumer beliefs and attitudes in the Islamic business perspective. By using regression and mediation analysis methods, the results of this research can provide valuable insight for business people, especially in understanding the preferences and behavior of Muslim consumers who are increasingly consuming fashion products. The research results conclude that the relationship between brand image has a positive and significant effect on consumer trust. , The relationship between product quality has a positive and significant effect on consumer trust, The mediating role of consumer trust strengthens the relationship between brand image and product quality, The mediating role of consumer attitude strengthens the relationship between brand image and product quality, The relationship between brand image has a positive and significant effect on purchase intention, and The relationship between product quality has a positive and significant effect on purchasing interest.

One of the practical foods that can fulfill nutritional needs is flakes. Flakes that available on the market are generally made from wheat and corn. The nutritional value of corn flour-based flakes can be enhanced by combining them with other ingredients that have a relatively high protein content. One such food ingredient with a high protein content is mung beans. The development of flakes products using mung bean flour is expected to be one of the way to optimize the use of local legumes in Indonesia. The aim of this study is to obtain the best formulation of corn flour and mung bean flour in terms of the physicochemical and organoleptic characteristics of the flakes. This study uses a randomized block design with 4 treatment levels, which are the formulation ratios of corn flour to mung bean flour (60:40, 65:35, 70:30, 75:25), with each treatment repeated 6 times. The observation parameters include physicochemical characteristics such as protein, water and ash content, while sensory characteristics include aroma, taste, crispiness, color, and overall preference. The best treatment is determined by the de Garmo effectiveness index. The results of the study show that the 65% corn flour and 35% mung bean flour formulation is the best treatment based on the effectiveness index test with a score of 0.77, with physicochemical characteristics of 2.717% moisture content, 3.026% ash content, and 6.891% protein content, as well as sensory characteristics of color 4.2 (more liked), aroma 3.93 (liked), crispiness 4.26 (more liked), taste 4.23 (more liked), and overall preference 4.2 (more liked).

The SIPINTER Online innovation in Tegal Harum Village is a form of digital service development aimed at improving public service efficiency and expanding service coverage. However, in its implementation, SIPINTER Online has not yet provided optimal benefits. This is due to the low number of community members in Tegal Harum Village who utilize the SIPINTER Online innovation. This study aims to identify the factors contributing to the low usage of SIPINTER Online in the village. The research employs a qualitative method with a descriptive approach. The analysis uses Rogers’ theory of innovation attributes, which includes relative advantage, compatibility, complexity, trialability, and observability. The findings show that the dissemination of information about SIPINTER Online is still lacking, resulting in limited public awareness. Moreover, hesitation in using technology and the community’s preference for conventional services are contributing factors to the low adoption rate. Therefore, SIPINTER Online has not yet delivered maximum benefits due to its limited reach. The recommendations include strengthening compatibility through sociocultural integration, reducing perceived complexity through education, increasing trialability through guided trials and direct outreach, and establishing feedback and continuous improvement mechanisms.

This study aimed to evaluate the organoleptic characteristics of herbal tea made from a combination of red dragon fruit peel (Hylocereus polyrhizus) with red ginger and white ginger. The herbal tea was formulated into six variants (F1a, F2a, F3a, F1b, F2b, F3b) based on different proportions of dragon fruit peel and tested using a hedonic method for three parameters: color, aroma, and taste. A total of 25 trained panelists assessed the level of preference using a 5-point hedonic scale. The results showed that Formula F3 (with the highest proportion of dragon fruit peel) received the highest acceptance scores. For color, F3 received an average of 19% in the “strongly like” category and 5% in the “like” category. For taste, F3 received 4% “strongly like” and 12% “like.” For aroma, F3 received 7% “strongly like” and 11% “like.” Thus, F3 was identified as the best organoleptic formula and is recommended for further development. This study suggests that additional research is needed to analyze the antioxidant activity of the product to better understand its functional health benefits.

J-Pop music has become an important part of students’ lifestyles and plays a role in influencing their mood and learning productivity. This study employed a descriptive quantitative method by distributing an online questionnaire to 194 students who regularly listen to J-Pop while studying. Results showed that 69.8% of respondents felt their mood improved before studying when listening to this music, and 40.2% reported completing tasks more quickly. These findings indicate that J-Pop can serve as a positive stimulus to enhance motivation and focus during academic activities. However, its effects are subjective and highly dependent on individual preferences and study habits. Therefore, J-Pop has the potential to be part of an effective learning strategy if adapted to students’ personal characteristics and contexts. This study emphasizes the importance of considering psychological aspects when utilizing music as a learning aid to support students’ academic performance.  

This study uses a qualitative method to analyze content trend strategies in interactive digital marketing that contribute to building consumer loyalty. In today’s highly competitive digital era, companies are required to create strong engagement with consumers through digital platforms such as social media, websites, and applications. Content trends like storytelling, user-generated content, live streaming, and influencer usage have proven to attract audiences and encourage ongoing interaction. This research explores how these trends are applied by various brands and how consumers respond to these approaches over the long term. The findings show that message consistency, emotional value in content, and interactivity are key factors in forming emotional bonds that impact loyalty. Furthermore, two-way engagement between consumers and brands through comments, likes, and sharing features strengthens this relationship. By understanding consumer digital preferences and behaviors, content strategies can be dynamically adapted to maintain loyalty while expanding the relevant market reach.

The development of the digital ecosystem has disrupted the transportation sector. Traditional transportation businesses have shifted to online transportation. This study aims to analyze Blue Bird's strategy in facing the ride-hailing disruption in Indonesia. The research was conducted using a descriptive qualitative approach. The data was sourced from digital searches and observations. The results show that the digital transformation implemented by PT Blue Bird Tbk has improved operational efficiency and competitiveness in the highly competitive transportation market. The My Blue Bird application, with real-time tracking and cashless payment features, has streamlined the booking process and strengthened customer loyalty. The data indicates an increase in app usage and a reduction in operational costs, supporting the effectiveness of the company's digital strategy. Strategic collaboration with ride-hailing platforms has also significantly contributed to market expansion and increased fleet occupancy. The success of this strategy is reflected in the rise in booking volume and overall customer satisfaction. As a further step that has not been fully implemented, it is recommended that Blue Bird explore the application of AI-based predictive models to optimize fleet scheduling and route dynamics. The use of this technology can provide more accurate demand forecasts and support strategic decision-making in resource allocation. Additionally, the development of a customer feedback system integrated with digital analytics will allow the company to respond to consumer trends and preferences more effectively. These measures, supported by enhanced digital infrastructure and cross-sector collaboration, are expected to further boost Blue Bird's efficiency and growth in the digital disruption era.

Millennials and Generation Z have made coffee shops a part of their lifestyle. Unlike previous generations, who spent more time at malls. In response to the changing consumer behavior of these different generations, digital marketing strategies have become an effective approach for businesses, including those in the coffee industry. This study aims to analyze Fore Coffee's digital marketing strategies in attracting Millennial and Gen Z consumers. The research was conducted using a descriptive qualitative approach. The research data was sourced from observations of Fore Coffee's digital marketing activities on various social media platforms, as well as in-depth interviews with consumers from the Millennial and Gen Z generations. The results of the study indicate that the digital marketing strategies implemented by Fore Coffee have proven to be an effective approach in attracting attention and building engagement with Millennial and Gen Z consumers. The success of these strategies is supported by the utilization of various digital marketing elements, including the presentation of engaging and interactive content, collaborations with influencers who have credibility in the coffee industry, and the use of video as the primary medium for marketing communication. The Tani Series campaign, which highlights sustainability and the involvement of local coffee farmers, is a concrete example of how Fore Coffee builds a brand image that not only sells products but also has strong social value. Additionally, the collaboration with Mikael Jasin, a professionally recognized barista at the international level, further strengthens Fore Coffee's trust and appeal among young consumers. This study suggests that Fore Coffee should continue to innovate in creating content that is not only engaging but also has strong differentiating value. Furthermore, the dynamic changes in consumption trends and customer preferences demand that Fore Coffee be more responsive in adapting its marketing strategies to remain relevant to the needs and expectations of Millennial and Generation Z consumers.

The skin and hair care industry has experienced rapid growth in recent years. As the digital ecosystem becomes more established, various local products have the opportunity to emerge and exist in the market. Among the local products that have just emerged and found a place in the hearts of consumers is Lavojoy. Research on digital marketing strategies for imported products has been carried out very often, while for local products, especially skin and hair care products, has not been done much. This study aims to analyze Lavojoy's digital marketing strategy in increasing consumer loyalty. The research was conducted using a descriptive qualitative approach. Research data were obtained from the results of digital observations and data searches in various popular site databases related to the research problem. The results of the study show that the digital utilization strategy allows Lavojoy to build a loyal customer community through interactive content, collaboration with influencers, and active engagement through live and polling features. Two-way interactions carried out on Instagram, TikTok, and YouTube have a significant impact on brand awareness and customer emotional attachment to the brand. In addition, e-commerce optimization carried out through exclusive promo strategies, cashback, loyalty programs, and live shopping features has succeeded in increasing customer retention and encouraging repeat purchases. To increase the effectiveness of digital marketing strategies in the future, Lavojoy is advised to increase personalization in digital marketing by utilizing artificial intelligence (AI) and customer data analysis to offer a more personalized shopping experience, as well as developing content and product recommendations tailored to each customer's preferences, both through social media and e-commerce.

Raprock United Bali is an important music community that plays a significant role in preserving and promoting the rap rock genre in Bali. Since its formation in 2015, this community has served as a platform for musicians and rap rock enthusiasts to create, collaborate, and maintain the genre's presence amid shifting musical preferences within society. This study aims to analyze the role of Raprock United Bali within the cultural, social, economic, educational, and legal ecosystems, as well as the community's strategies for addressing various challenges. Using a descriptive qualitative method, data was collected through interviews with community members and literature analysis. The research findings indicate that Raprock United Bali has a strong cultural ecosystem through regular activities such as RAPROCK NIGHT and the production of the compilation album “ROKIN RAPROCK,” supported by local sponsors. In the social ecosystem, this community strengthens solidarity among members and builds connections with audiences through music events that also impact the local economy. Additionally, the community contributes to knowledge transfer and musical skill development, making it an informal educational platform for its members. Awareness of copyright protection and licensing regulations is also a crucial aspect of the community's legal sustainability. In conclusion, Raprock United Bali is not only a driving force in the music scene but also creates a significant impact on Bali's cultural ecosystem and society, making it an inspiring model for other art communities in Indonesia.

This study aims to determine the extent to which the social environment influences the tendency of students' career choices. The approach used is quantitative, with the analysis method in the form of multiple linear regression. A total of 150 active students from Nurul Huda University, East OKU acted as respondents in this study. Data collection was carried out through the distribution of closed questionnaires designed with a Likert scale, covering several main indicators such as the influence of family, friendship environment, and the role of educational institutions. The results of the analysis showed that the three aspects of the social environment had a significant influence on students' career preferences, with the influence of family factors as the most dominant. The conclusion of this study states that students' career choices are not only influenced by internal motivation, but also determined by the social environment in which they interact. Therefore, active involvement from family, educational institutions, and the surrounding environment is very important in supporting students' career direction optimally.

This study aims to analyze the influence of Brand Preference (X1), Brand Awareness (X2), and Product Variety (X3) on Purchase Decision (Y) at Marugame Udon in Tunjungan Plaza Surabaya. As a Japanese fast-food restaurant, Marugame Udon faces intense competition in the culinary industry, making it essential to understand the factors that influence consumer behavior. This research employs a quantitative descriptive approach, with data collected through an online questionnaire distributed to 100 respondents who are customers of Marugame Udon. The results show that all three independent variables significantly affect purchase decisions, both partially and simultaneously. Brand preference is identified as the most dominant factor influencing consumers, followed by brand awareness, which enhances brand recognition, and product variety, which offers menu flexibility and increases consumer satisfaction. This study recommends that Marugame Udon's management continue to strengthen brand image, improve promotional efforts, and maintain product innovation to enhance customer loyalty and purchase decisions.

This article examines the roles and applications of various types of psychological tests in personality assessment, particularly contrasting projective tests with objective tests. Psychological tests are not intended to determine pass or fail outcomes, but rather to gain a deep understanding of an individual’s psychological aspects. Projective tests, such as the Rorschach Inkblot Test and the Thematic Apperception Test (TAT), are utilized to reveal latent personality traits through ambiguous stimuli. In contrast, objective tests like the Minnesota Multiphasic Personality Inventory (MMPI) and the Edwards Personal Preference Schedule (EPPS) are designed to produce consistent and quantifiable data. This study employed a library research method, reviewing both primary and secondary sources to provide a comprehensive overview. In counseling practice, the choice of psychological test depends on the assessment goals and the client's conditions. The article emphasizes the necessity for professional competence and ethical considerations, including cultural sensitivity and the ability to accurately interpret test results.

Demographic changes and the acceleration of digital transformation have presented new challenges in leadership practices, especially in the healthcare sector of ASEAN countries. Generation Z, who grew up in a digital environment, brings different values and preferences to leadership styles. This study aims to identify the leadership model that best suits the characteristics of Gen Z in the context of healthcare, as well as analyze the contextual factors that influence it in the Southeast Asian region.This study uses a qualitative approach based on literature studies from various academic publications and empirical findings in ASEAN countries. Data are analyzed thematically to reveal the leadership patterns that are most relevant to the needs of Gen Z in the health sector.The study results show that transformational, participatory, and digital-based leadership styles are more effective for leading Gen Z healthcare workers. This generation rejects leadership models that are tightly controlled or micromanaged, and prefers leaders who support autonomy, collaboration, and innovation. Local cultural factors, such as traditional values and social collectivity, also reinforce the importance of adapting leadership styles to diverse cultural contexts. Leadership success is also greatly influenced by the leader's ability to bridge cross-generational differences and manage communication effectively.These findings contribute to the development of a generationally and contextually relevant leadership model, as well as serve as a reference in formulating HR development strategies and leadership training programs in multigenerational health organizations in Southeast Asia.

Learners are continually faced with choosing appropriate courses or making career choices due to increased educational opportunities. The emergence of machine learning-based course and career recommender systems has the potential to address this issue, offering personalized course recommendations tailored to individual learning pathways, preferences, and learning history. The optimization and feature engineering techniques and practical deployment environments have not been collectively examined in the previous research, despite the significant advancements in this area of research. Furthermore, previous research has rarely synthesized how these technical components help students choose appropriate courses and careers. This systematic review was carried out to investigate the current state of machine learning-based course and career recommender systems, focusing on key elements, such as primary data sources, feature engineering methods, algorithms, optimization techniques, evaluation metrics, and the environments where the existing course recommendation models are deployed. The PRISMA method for conducting a systematic review was used to choose studies that met the requirements for inclusion and exclusion. The study findings show significant reliance on interpretable and traditional machine learning algorithms, such as K-Nearest Neighbor and Random Forest, to develop recommender models. Feature engineering remains basic, as most studies rely on normalization, while optimization processes are often underreported. Also, evaluation metrics varied widely, impeding comparability, while most of the recommender models are deployed in an e-learning environment, leaving the traditional learning environment underrepresented. Furthermore, the study findings identified issues including data sparsity and diversity, data security and privacy, and changes in learner preferences that may have an impact on the performance of recommender systems while recommending further studies to make use of standardized optimization methods, and automated domain-informed feature engineering frameworks, benchmark and annotated datasets in developing models the gives priority to learners’ success and educational relevance.

The church is called to bring about the harmony and unity of Christ in a divided world. However, internal conflict often arises from theological differences, leadership styles, cultural preferences, and interpersonal issues. Conflict that is not managed wisely can damage the integrity and witness of the church. This study uses a library research method and finds that harmony is an active process that requires dialogue, openness, acceptance, mutual respect, and love. The roots of church conflict are addressed through loving communication (Matthew 18), biblical mediation and negotiation training, cultivating a culture of forgiveness and reconciliation, and transparent and integrity-based leadership. Although challenges such as ego exist, the power of the gospel, the Holy Spirit, and the potential for growth offer great opportunities. A reconciling church is a powerful testimony of Christ's reconciling love.

Kripjungan MSMEs faces challenges in effectively utilizing Instagram as a digital marketing tool, with content that is often irrelevant, unappealing, and inconsistent with the brand identity, leading to reduced engagement and limited business growth potential. This study aims to evaluate and provide recommendations to improve the quality of Kripjungan's Instagram content using the eight pillars of content marketing from Kingsnorth. The evaluation results indicate that the content frequently does not align with audience interests, lacks variety, and is insufficiently informative or engaging to enhance user engagement or be widely shared. The recommendations include aligning content with audience preferences, enhancing credibility through more comprehensive information, employing varied visuals, and maintaining consistency with the brand identity to strengthen relationships with the audience and support the growth of Kripjungan's business.