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The paragraph discusses consumptive behavior, defined as the tendency to exceed basic needs and financial capabilities in consuming goods and services. Many undisciplined students face challenges in managing their finances due to this behavior. The research aims to examine the influence of Financial Literacy, Financial Behavior, and Financial Attitude on Consumptive Behavior, with Financial Discipline as a moderating variable. The study involves 200 respondents, including international students from various universities. Results reveal that financial literacy and financial behavior significantly impact consumer behavior, while financial attitudes do not. Additionally, the moderating role of financial discipline does not affect the relationship between these factors and consumer behavior.

This study aims to explain the urgency of instilling character values in education in the modern era, describe the strategies or approaches used in the educational environment, and identify challenges and solutions in their implementation. The method used is qualitative with a descriptive approach. Data collection techniques included observation, in-depth interviews, and documentation, with the research subjects consisting of teachers, students, and principals at primary and secondary education levels. The results show that the cultivation of character values such as honesty, responsibility, discipline, tolerance, and cooperation is very important to form learners who not only excel in academics, but also have moral integrity and emotional maturity. Strategies used in character cultivation include integration of character values in learning, habituation of positive attitudes, teacher role models, and extracurricular activities. The main challenges in implementing character education are the negative influence of digital media, the weak role of the family, and the lack of consistency in character development. Solutions include improving educators' competence in character education, strengthening cooperation between schools and parents, and creating a school environment that supports a positive culture. Thus, character education should be an integral part of the education system, through synergistic cooperation between schools, families and communities.

The Community Service (PKM) activity conducted by the Master's Program in Christian Religious Education at GMIT Zoar Penkase addressed the theme "Religious Moderation and Religion in Public Spaces." The primary objective of this activity was to enhance the understanding of the community and congregation regarding the importance of moderation in religion as a key to preventing conflicts and violence based on religious differences. This activity involved 27 participants, including students, lecturers, religious leaders, and local community members. The material presented emphasized the significance of moderate attitudes and respect for differences within the context of religious diversity. Issues of humanity, tolerance, and national commitment were discussed, with the hope of strengthening social cohesion. The results of this activity indicate that religious moderation can serve as a unifying force that promotes social justice and harmony among religious communities. Thus, religious moderation in public spaces is crucial for creating a more inclusive, peaceful, and just society, both locally and globally.

The reproductive organs are a highly sensitive area that requires careful hygiene and care, especially among adolescent girls who are susceptible to reproductive health issues such as vaginal discharge. One key preventative measure is consistent personal hygiene practices, particularly in maintaining vaginal hygiene. This practice is crucial to ensuring the area remains healthy, balanced, and free from infectious agents that can cause abnormal vaginal discharge or other health issues if left untreated or neglected. The primary objective of this community service initiative was to raise awareness and understanding of the importance of maintaining reproductive organ hygiene and health among adolescent girls. This activity was implemented and executed in two main phases. The first phase included an educational session delivered by fourth-semester nursing students, focusing on the importance of personal hygiene and reproductive health for adolescent girls. The second phase included an open discussion forum where participants were encouraged to ask questions, share experiences, and clarify their understanding of the material presented. The results showed a positive response from the participants. Most of them demonstrated increased awareness and understanding of reproductive hygiene and expressed their intention to consistently integrate proper care practices into their daily routines. This suggests that educational interventions, particularly those involving interactive communication, are effective in increasing knowledge and fostering health-conscious behaviors among adolescents. In conclusion, this program successfully contributed to improving participants' knowledge and attitudes in maintaining reproductive health, which is important for their overall well-being and long-term disease prevention efforts.

This study aims to analyze how socially constructed beauty standards shaped by media, popular culture, and the surrounding environment affect the social cognition of university students in evaluating peers who deviate from mainstream beauty norms. Within the campus environment, students often bring visual biases and prejudices toward others based solely on physical appearance, such as skin tone, body shape, and fashion style. This study adopts a qualitative approach with a case study method. Data were collected through in-depth interviews with four students from the State Islamic University of North Sumatra (UINSU) with diverse backgrounds.The results show that most students initially form judgments based on social schemas influenced by social media, past experiences, and peer environments. However, some participants demonstrated a shift in perspective after engaging in personal reflection, studying social psychology, and experiencing more diverse social interactions. They began to exhibit more empathetic attitudes and fairer judgments. This study highlights the importance of higher education in fostering critical awareness and promoting inclusive values and social sensitivity within academic environments.

This study aims to describe the implementation of the Focus Group Discussion (FGD) method in Islamic Religious Education (PAI) learning and its impact on improving critical thinking skills of grade VIII students at SMP Entrepreneur Ar-Ridwan Gunung Tawang Selomerto Wonosobo. The background of this study is based on the needs of 21st century learning that requires students to have critical, collaborative, and communicative thinking skills. This study uses a qualitative approach with a descriptive research type. Data collection techniques are carried out through observation, in-depth interviews, and documentation. Data analysis uses data reduction techniques, data presentation, and drawing conclusions. The results of the study indicate that the FGD method has been implemented systematically in PAI learning through the formation of small discussion groups, trigger questions, and presentation of discussion results. The teacher acts as an active facilitator who encourages student participation evenly. The positive impacts of the implementation of FGD include increased active student participation, the ability to convey arguments logically, and the growth of reflective and critical attitudes. However, the implementation of FGD also faces several obstacles such as time constraints, differences in communication skills, and the unequal distribution of student confidence in open discussions. These obstacles are overcome through classroom management strategies such as role rotation, providing discussion training, and habituating a culture of dialogue. Thus, the FGD method has proven effective in improving students' critical thinking skills and forming a collaborative and participatory learning culture.

Dating relationships as a form of intimate personal relationships do not always go as expected. In fact, many cases show that these relationships can lead to discomfort and forms of violence, such as physical, psychological, sexual and financial abuse. This phenomenon has become one of the most discussed social issues, especially on social media. The Instagram account @indonesiatanpapacaran is present as a response to this issue, by voicing an invitation to abandon the practice of dating through moral and religious narratives. The existence of this account has led to various responses from the public, including students as a group of active social media users. This research aims to find out how students perceive the existence of the @indonesiatanpaparan account in the digital space. This research uses a descriptive qualitative approach with in-depth interview techniques and observation as data collection methods. The results showed that students gave diverse responses to the account, reflecting different attitudes, experiences, and perspectives in addressing the dating issues raised. This diversity also confirms that social media is a dynamic space that allows the formation of public opinion on complex social issues.

This study aims to determine the role of Islamic Religious Education (PAI) teachers in the formation of students' religious character at SMA Negeri 1 Selomerto Wonosobo and identify the supporting and inhibiting factors. This study uses a qualitative approach with a descriptive method. Data collection techniques are carried out through observation, interviews, and documentation of PAI teachers, students, and principals. The results of the study show that PAI teachers have an important role in shaping the religious character of students through various activities such as the habit of congregational prayers, reciting the Qur'an, reading Asmaul Husna, commemorating Islamic holidays (PHBI), and involvement in religious extracurricular activities. PAI teachers also play the role of teachers, guides, motivators, facilitators, and trainers in shaping students' religious attitudes. The supporting factors include a religious school environment, the support of the principal, collaboration between teachers, and the existence of structured religious programs. Meanwhile, the inhibiting factors found were the negative influence of social media, different family backgrounds of students, lack of student awareness, and limited time and resources. This study concludes that the success of the formation of students' religious character is greatly influenced by the active role of PAI teachers and the support of a conducive school environment.

This report contains the results of interviews conducted by students of Elementary School Teacher Education Program of Santo Thomas Catholic University with teachers and fifth grade students of SDN 068332 Medan Tuntungan. The main purpose of the interviews was to obtain information about learning difficulties, aggressive behavior, and student discipline. Through a qualitative approach and direct interviews, three main problems were found: students who experience learning difficulties, students with aggressive behavior, and students who often skip school or are undisciplined. The results of the interviews showed that learning difficulties were influenced by lack of concentration and learning support at home, aggressive behavior was caused by lack of emotional management and attention from the environment, and discipline problems were related to minimal motivation and family supervision. The guidance actions taken showed positive developments, such as increased courage of students to ask questions, reduced conflict between friends, and improved student attendance rates. The discussion emphasized the importance of collaboration between teachers, students, and parents to create a supportive learning environment. Guidance and counseling services with an empathetic approach and storytelling techniques have proven effective in fostering changes in students' attitudes and behaviors. In conclusion, open communication and consistent guidance are the keys to successful interventions for student problems in elementary schools.

Regional languages play a crucial role in shaping cultural identity and strengthening local values among young generations. This study aims to examine the benefits of using regional languages of Banten, specifically Sundanese and Javanese Serang (Jaseng), in learning activities at elementary schools. The method used is descriptive qualitative with data collection techniques through observation, interviews with teachers, and documentation studies at several elementary schools in Banten. The results show that the use of regional languages can increase students' self-confidence, strengthen their ties to local culture, and promote the preservation of regional languages in the midst of globalization. Additionally, students become more active in communication and demonstrate intercultural tolerance attitudes. The conclusion of this study is that regional languages not only function as a means of communication but also as an educational tool in shaping character and love for one's own culture.

This community service is driven by by the implementation of innovative programs in strengthening literacy and numeracy cultural methods. Therefore, innovation is needed in the application of (MacaLas) literacy to help improve and train students' abilities in reading, writing and conveying ideas. This research uses qualitative methods by collecting data through interviews, observation and document collection. The results of research at MI Al Makmur show that teachers implement various things through (MacaLas) activities at MI Al Makmur Mayangrejo which are carried out regularly with varied learning. method for running the (MacaLas) program. Apart from the variety of methods, the learning media and syntax used also vary. One of the unresolved concerns is the low interest in reading among Indonesian students. Moreover, when books are the only source of information, reading activities have not become a primary need for Indonesia's young generation. Now, even though knowledge can be accessed through various media and e-books are available anytime and anywhere, the level of interest in reading in Indonesia is still relatively low. Reading activities have not yet become a priority in people's lives in the country, School Literacy Movement initiatives have progressed through several levels, beginning with routine reading habits, moving into development, and culminating in integration within learning activities The positive impacts seen are student attitudes that reflect a high literacy ecosystem

Adolescence is an important period in the formation of a person's personality, where individuals tend to be easily influenced by the social environment including associations. Unhealthy associations have the potential to cause various problems such as peer pressure, low self-confidence, and the emergence of deviant behavior. This service activity aims to increase the awareness and understanding of Muhammadiyah 6 Samarinda Junior High School students regarding the importance of applying ethics in society through the provision of classical guidance services. The activity, which carries the theme "Ethics in Society: Fun Friends Are Not Toxic", was held for three days on May 14-16, 2025, with three main sessions lasting 150 minutes every day. The material provided includes the introduction of the concept of social ethics, identification of healthy and unhealthy associations, ethical values in Islam, and ethics of behavior on social media. Through participatory and reflective methods, students are invited to actively discuss, conduct social simulations, and reflect on the values learned. The results of the evaluation showed an increase in student understanding, changes in social attitudes, and openness in communicating with guidance and counseling teachers.

This study explores the development of a holistic Christian Religious Education (PAK) curriculum by integrating affective and psychomotor domains into the learning process. The topic is significant because the current PAK curriculum predominantly emphasizes cognitive and doctrinal aspects, resulting in Christian values being taught theoretically without practical application in students’ daily lives. A qualitative descriptive approach was employed to investigate and develop a balanced curriculum model that integrates theory, spiritual internalization, and practical skills. The findings reveal that a holistic curriculum enhances faith internalization and character formation in students, making the learning process more relevant and transformative. Implementation of this curriculum model promotes Christian education as an integrative process encompassing knowledge, attitudes, and practical competencies in real-life contexts.  

This study investigates the influence of understanding the philosophy of science on students’ critical attitudes and academic ethics in the learning process. Philosophy of science is essential in shaping systematic and reflective scientific thinking, while also serving as a foundation for academic character development. Using a quantitative approach, the research involved 30 postgraduate management students at Universitas PGRI Palembang. Data were collected through a closed-ended questionnaire using a five-point Likert scale to measure three constructs: understanding of the philosophy of science, critical attitude, and academic ethics. Analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results show that understanding the philosophy of science has a positive and significant effect on students' critical attitudes. Students with deeper understanding demonstrate better logical, analytical, and reflective thinking. Moreover, it significantly influences academic ethics—those with philosophical awareness tend to uphold academic integrity and originality. These findings affirm that the philosophy of science serves not only as a conceptual framework but also as a tool for shaping students’ intellectual and moral qualities. The study emphasizes the importance of integrating philosophy of science into higher education curricula to foster critical thinking and ethical academic behavior among students

Character education in elementary schools is important to prevent bullying behavior among students. This article discusses efforts to prevent bullying attitudes through socialization at SDN 16 Koto Tuо, Kec. Barangin, Sawah Lunto City. The research method used was to deliver the material directly and a question and answer session, attended by 35 students. The results of the socialization showed an increase in students' awareness and motivation not to bully, although there were minor obstacles in the form of a less conducive atmosphere during the socialization. Student participation in this activity was very high, reflecting their enthusiasm for the material presented. This socialization not only aims to provide an understanding of the negative impacts of bullying, but also to build empathy and mutual respect among students. By actively involving students, it is hoped that they can better understand the importance of creating a safe and comfortable environment for all classmates. This effort is expected to be a model for other schools in overcoming the problem of bullying and increasing awareness of the importance of respectful behavior among children. Thus, this socialization is expected to contribute to creating a safer school environment and supporting the development of positive student character, as well as reducing the incidence of bullying in the future.

Pancasila Education is a compulsory subject taught at every level of education, from elementary to higher education, with the aim of shaping students’ attitudes and behaviors based on the values of Pancasila in their daily lives. This study aims to describe the teacher's strategies in implementing the Problem Based Learning (PBL) model to enhance students' critical thinking skills in the Pancasila Education subject for fourth-grade students at SD Negeri 5 Penatih. The research focuses on three main aspects: (1) the implementation of PBL by teachers in improving students’ critical thinking in the topic "Pancasila as the Foundation of My Country", (2) the supporting and inhibiting factors in applying the PBL model, and (3) the implications of PBL implementation on the learning process and outcomes. This study employs a qualitative approach with data collection techniques including observation, interviews, and documentation. The findings reveal that the teacher’s strategy in applying PBL involves three key stages: planning (designing contextual and relevant problems), implementation (the teacher acting as a facilitator during group discussions), and evaluation (assessing students’ thinking processes). Supporting factors for the successful application of PBL include teacher competence, student motivation, a conducive learning environment, and curriculum support. On the other hand, limited instructional time and low student participation present challenges that need to be addressed. The implications of PBL implementation include enhanced critical thinking skills, improved collaboration abilities, and the development of student character as reflective, open-minded, and responsible individuals. Learning becomes more engaging, meaningful, and interactive as students are actively involved in solving real-life problems related to their everyday experiences.

This study aims to reveal how non-disabled children interpret their learning experiences with friends with disabilities in inclusive classes. Inclusive classes are educational environments that combine non-disabled and disabled students in the same learning space, with the hope of creating equal and respectful interactions. The method used in this study is a qualitative approach with observation and data collection techniques. The results of the study show that non-disabled children interpret their learning experiences not only as an academic process, but also as a social and emotional learning process. They learn about empathy, tolerance, and cooperation, and show changes in attitudes towards diversity.

The purpose of this study was to determine the effectiveness of the Group Investigation Learning Model in the Aqidah Akhlak Subject to improve religious character in students. This study shows that the application of the Group Investigation model is carried out through the stages of group formation, subtopic selection, investigation, information analysis, presentation, and evaluation. This model encourages active student involvement, both in the learning process and in strengthening Islamic values ​​such as honesty, responsibility, empathy, and cooperation. Data from teachers and students show an increase in understanding the material and changes in behavior towards a more religious direction, such as being more diligent in worship, more polite, and caring for others. The Group Investigation learning model is effectively used in Aqidah Akhlak learning to shape students' religious attitudes. This model not only improves students' cognitive aspects, but also significantly shapes their character and spiritual values.

This community service is driven by by the implementation of innovative programs in strengthening literacy and numeracy cultural methods. Therefore, innovation is needed in the application of (MacaLas) literacy to help improve and train students' abilities in reading, writing and conveying ideas. This research uses qualitative methods by collecting data through interviews, observation and document collection. The results of research at MI Al Makmur show that teachers implement various things through (MacaLas) activities at MI Al Makmur Mayangrejo which are carried out regularly with varied learning. method for running the (MacaLas) program. Apart from the variety of methods, the learning media and syntax used also vary. One of the unresolved concerns is the low interest in reading among Indonesian students. Moreover, when books are the only source of information, reading activities have not become a primary need for Indonesia's young generation. Now, even though knowledge can be accessed through various media and e-books are available anytime and anywhere, the level of interest in reading in Indonesia is still relatively low. Reading activities have not yet become a priority in people's lives in the country, School Literacy Movement initiatives have progressed through several levels, beginning with routine reading habits, moving into development, and culminating in integration within learning activities The positive impacts seen are student attitudes that reflect a high literacy ecosystem

This study aims to determine the relationship between visits to historical sites and nationalism attitudes of History Education students at Mulawarman University. The research background emphasizes the importance of learning history that is not only theoretical, but also based on direct experience. The method used is a quantitative approach with a correlational design, using a questionnaire as an instrument analyzed through the Spearman correlation test. The results showed that the majority of students had a level of field trips that ranged from moderate to high, with a significant positive relationship to their nationalism attitude. The obtained correlation coefficient value of 0.620 with a significance value of 0.000 (p < 0.05) indicates that the higher the frequency of field trips, the higher the students' nationalism attitude. As much as 47.4% of the results of variation in nationalism attitude can be explained by the frequency of field trips, while the rest is influenced by other factors. Thus, visits to historical sites play an important role in shaping students' nationalism attitudes.