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This study uses GCG self-assessment as a moderating variable to investigate how risk management, in particular operational, credit, and liquidity risk, affects financial performance. utilizing secondary and quantitative data from the websites of the Financial Services Authority (OJK) and each Rural Bank (BPR) for the 2019–2023 timeframe. Purposive sampling was the approach utilized to acquire the study's sample. There are 17 rural banks included in the sample size. The Structural Equation Modeling (SEM) approach and the SmartPLS 3.2.9 analysis tool are used in research data processing. The findings of the study demonstrate that operational risk significantly and negatively impacts financial performance. Liquidity risk has a positive but not significant effect on financial performance, while credit risk has a negative impact. This study also discovered that while GCG self-assessment was able to moderate the association between credit risk and financial performance, it was unable to moderate the relationship between financial performance and operational risk or liquidity risk.

This study aims to analyze the impact of digital technology adoption on the performance of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, by considering the mediating roles of innovation capability, financial access, and business trust. MSMEs play a strategic role in the national economy, yet they continue to face various challenges in enhancing competitiveness and business performance. Digital technology adoption has emerged as a key strategy to drive operational transformation, expand market reach, and improve efficiency. This research adopts a quantitative approach using the Structural Equation Modeling (SEM) method to examine the relationships among variables. The findings indicate that digital technology adoption significantly affects MSME performance, both directly and through the enhancement of innovation capability and financial access. Furthermore, business trust also plays an important role as a psychological factor that reinforces commitment and business sustainability. These findings highlight the importance of policy support, digital infrastructure, financial literacy, and innovation capacity in strengthening the competitiveness of MSMEs in the digital economy era. This study provides both theoretical and practical contributions to the development of a digital-based MSME empowerment model in Indonesia.

The vehicle ownership transfer form submission service at the Samsat Tandes Office in West Surabaya is a vital public service that frequently encounters issues such as long queues and extended waiting times. These conditions lead to user dissatisfaction and reduce the operational efficiency of the institution. This study aims to optimize the existing queuing system through a simulation-based approach to enhance service effectiveness and efficiency. The methodology includes mapping the current service process, collecting data on service times and customer arrivals, and modeling the queuing system using simulation software. Subsequently, several improvement scenarios were analyzed, including the addition of server resources. The simulation results indicate that the scenario involving the addition of one extra server during peak hours yields the most significant impact—reducing average customer waiting time by up to 20% and increasing the number of customers served per day. These findings demonstrate that simple interventions based on simulation analysis can produce substantial improvements in public service quality. In conclusion, a simulation-based approach proves to be effective in supporting strategic decision-making for queue system optimization and is highly recommended for implementation in other public service units facing similar challenges.

Digital learning applications like HeyJapan are increasingly popular. User reviews on platforms such as Google Play Store contain valuable information on user perceptions and experiences. To process this information systematically, this study employs a Natural Language Processing (NLP) approach to analyze sentiment toward the HeyJapan application. Data was collected using web scraping techniques with Python and the google play scraper library, resulting in 1,000 latest user reviews. The analysis included data collection, preprocessing, sentiment labeling using TextBlob, visualization, modeling with Logistic Regression, and evaluation. After preprocessing, 923 valid reviews were classified into three sentiment categories based on polarity which are positive, neutral, and negative. Results showed 71.4% of reviews positive, 26.1% neutral, and 2.5% negative. Visualizations in pie charts and word clouds provided an overview of user perceptions. Modeling with TF-IDF and Logistic Regression achieved 88% accuracy with the highest f1-score in the positive sentiment category. Evaluation indicates the model is fairly reliable in classifying sentiments, especially for positive and neutral categories, though negative sentiment classification needs improvement. This study shows the NLP approach can evaluate user perceptions of educational applications based on reviews and serve as a basis for improving foreign language learning app quality.

This study examines how branding ambassador Syifa Hadju and content marketing affect Glad2glow skin care purchases. The research will focus on @glad2glow Instagram followers. This research was inspired by severe local perawatan kulit competition and consumer apathy about buying. Glad2glow hired Syifa Hadju as its brand ambassador and implemented a social media content marketing campaign to address this challenge. Using a Likert-scale questionnaire, quantitative data was analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and SmartPLS software. According to the research, Syifa Hadju significantly improves the possibility of customers completing a purchase, while engaging and consistent content marketing enhances audience engagement. Both components boost customer purchase intent, but the brand ambassador has a greater impact. These findings help create effective digital marketing strategies in the competitive perawatan kulit business.

The rapid pace of urbanization has intensified competition among businesses, prompting the adoption of innovative strategies to enhance sales performance and customer engagement. PT Inspirasi Bisnis Nusantara, under the HAUS! brand, introduced “Huling,” a hyperlocal distribution service utilizing electric bikes (e-bikes) equipped with integrated storage boxes to improve delivery efficiency and environmental sustainability. This study aims to evaluate customer acceptance of the Huling service by applying the Technology Acceptance Model (TAM). The model incorporates five core variables: Perceived Ease of Use (PEOU), Perceived Usefulness (PU), Attitude Towards Usage (ATU), Behavioral Intention (BI), and Actual Usage (AU). A quantitative research approach was employed, collecting data from 258 respondents through structured questionnaires. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method to assess the relationships among the TAM variables. The findings reveal that PEOU has a significant positive effect on both PU and ATU, indicating that ease of use not only improves perceptions of usefulness but also fosters favorable attitudes toward adoption. PU significantly influences ATU and BI, suggesting that perceived benefits drive both positive attitudes and intentions to use the service. Furthermore, BI has a direct and significant effect on AU, confirming that stronger behavioral intentions translate into actual utilization. The analysis highlights the strongest impact along the pathway PEOU → ATU → BI → AU, underscoring the critical role of user-friendly design and positive attitudes in driving customer adoption. This research contributes to the literature by demonstrating the applicability of TAM in the hyperlocal distribution sector, offering practical implications for service providers seeking to enhance user acceptance through improved usability and perceived value. The findings suggest that optimizing ease of use and communicating tangible benefits can significantly increase customer engagement and sustained usage of innovative delivery services.

This study aims to describe students' difficulties in translating word problems into mathematical models in algebra material. Using a qualitative approach, the subjects were seventh-grade students at SMP Negeri 2 Tasikmalaya in the 2024/2025 academic year. Data were collected through questionnaires, interviews, and documentation. The results show that students struggled to understand the meaning of word problems and convert them into correct equations. Common errors included misconceptions about algebraic symbols, such as treating variables as fixed numbers and misusing the equal sign. In addition, students had difficulty identifying essential information needed to construct a mathematical model. Learning activities that focused only on procedural calculations further contributed to these challenges. This study recommends the use of more contextual and meaningful learning approaches, such as Problem-Based Learning and Realistic Mathematics Education, to help students better understand the relationships within problems and accurately express them through appropriate mathematical representations..    Penelitian ini bertujuan untuk mendeskripsikan kesulitan siswa dalam menerjemahkan soal cerita ke dalam model matematika pada materi aljabar. Dengan pendekatan kualitatif, subjek penelitian adalah siswa kelas VII SMP Negeri 2 Tasikmalaya tahun ajaran 2024/2025. Data dikumpulkan melalui angket, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa siswa mengalami kesulitan dalam memahami makna soal cerita dan menyusunnya menjadi persamaan yang tepat. Kesalahan yang muncul meliputi pemahaman yang keliru terhadap simbol aljabar, seperti menganggap variabel sebagai angka tetap dan tidak tepat menggunakan tanda sama dengan. Selain itu, siswa juga tampak kesulitan menentukan informasi penting yang diperlukan untuk membangun model matematika. Pembelajaran yang hanya berfokus pada prosedur perhitungan turut memperkuat kesulitan ini. Penelitian ini merekomendasikan penggunaan pendekatan pembelajaran yang lebih kontekstual dan bermakna, seperti Problem-Based Learning dan Realistic Mathematics Education, agar siswa dapat lebih memahami hubungan antar informasi dalam soal dan menyusunnya dalam bentuk model yang benar.

This study aims to identify, measure, and analyze the influence of learning independence on student learning outcomes with learning motivation as a mediator in public high schools in East Jakarta. This study involves 10th-grade students from 3 (three) public high schools in East Jakarta based on different categories, with a total of 273 respondents selected through the Simple Random Sampling technique. The approach used in this study is quantitative, and data analysis was conducted using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method through SmartPLS version 4.0 software. The results of the hypothesis testing show that, 1) learning independence has a positive and significant effect on learning outcomes, 2) learning independence has a positive and significant effect on learning motivation, 3) learning motivation has a negative and significant effect on learning outcomes, and 4) learning independence has a negative and significant effect on learning outcomes through the indirect influence of learning motivation. This study shows the involvement of other more dominant factors as mediating variables in the relationship between learning independence and student learning outcomes.

This study seeks to elucidate the tactics employed by educators in cultivating discipline and environmental consciousness among second-grade pupils at SDI Nurul Huda. Character education plays a crucial role in forming pupils' personality, encompassing principles such as discipline and environmental consciousness.  This research employs a qualitative methodology utilizing a case study technique.  Data collecting methodologies encompass observation, interviews, and documenting.  The study's findings reveal that educators employ several tactics, including habit building, modeling, class responsibility roster scheduling, and motivating visual media, to impart these character characteristics.  Moreover, students' active involvement in cleaning initiatives and the upkeep of the school environment contributes significantly to the cultivation of an environmentally conscious character.  These findings are anticipated to enhance character education approaches in primary schools.

This paper investigates various forms of church training for children, highlighting the central role of the family as the primary foundation. Based on a theological interpretation of Job 5:18 and an understanding of the family as a "mini church," this article explores how the family functions as the primary agent in instilling Christian values ​​through education, character education, faith and moral cultivation, and parental role models. In addition, this paper identifies the unique characteristics of children in terms of nature, needs, physical, mental, moral, psycho-social, and faith development that need to be considered in designing effective training strategies. Furthermore, this article outlines the main materials of child training and various implementation strategies that can be applied by churches and families, including increasing Sunday school services, age grouping, dexterity training, utilization of literature, emphasizing God's love and calling, and teaching principles from Proverbs 22:6. This study emphasizes the importance of a deep understanding of children and the development of empathy in the effort to foster the next generation of church members who are faithful and have Christian character.

The learning strategy of Islamic Religious Education (PAI) plays a crucial role in shaping students' character and morality, especially in addressing educational challenges in the era of Generation Alpha. This generation, born amid rapid technological advancement, tends to be fast-thinking, visual, and practical, yet is also vulnerable to moral crises and ethical degradation. This study aims to describe and analyze the PAI learning strategies implemented at MTs Ma’arif NU Sragi in shaping the noble character and morals of students. The research employs a descriptive qualitative approach with data collection techniques including observation, in-depth interviews, and documentation. The findings reveal that the applied learning strategies include project-based religious learning, internalization of values through teacher role modeling, utilization of Islamic digital media, and contextual learning relevant to students' daily lives. These strategies have proven effective in instilling values of religiosity, discipline, responsibility, and honesty. The success of these strategies is supported by a religious school environment, active teacher involvement, and parental support. Challenges encountered include limited technological facilities and the pervasive negative influence of social media. This study recommends the reinforcement of collaboration among teachers, parents, and educational institutions to optimize the role of PAI in developing the character of future generations.

This study aims to analyze the implementation of Akidah Akhlak learning in developing religious character among 8th-grade students at SMP NU Kajen. Religious character serves as the foundation of Islamic education in facing moral degradation challenges in the globalization era. Using a descriptive qualitative approach, data were collected through participatory observation, in-depth interviews, and documentation study. The results show that Akidah Akhlak learning is implemented through: (1) planning (integrated curriculum development and character-based lesson plans), (2) implementation (experiential learning, teacher modeling, and habituation), and (3) evaluation (authentic assessment). The formation of religious character is manifested in five dimensions: faith, worship, morals, knowledge, and practice. Supporting factors include pesantren-based school environment, parental support, and extracurricular religious programs, while inhibiting factors include social media influence, limited learning time, and diverse student backgrounds.

The Emergency Department is one of the busiest hospital units dealing with patients with various medical conditions, including high-risk patient cases requiring intensive care. This requires competent health workers. However, a stressful work environment can lead to high levels of job stress and burnout, which negatively impacts job satisfaction. This study aims to examine the effect of competence, job stress, and burnout on job satisfaction of health workers, especially doctors and nurses in the emergency room of Tzu Chi Hospital. This study used a quantitative approach with a questionnaire involving 38 respondents, analyzed using the Structural Equation Modeling (SEM) Partial Least Squares (PLS) technique through the SmartPLS application. The results showed that competence significantly affects job satisfaction, indicating that increasing competence increases job satisfaction. and competence also has a positive effect on burnout where the higher the competence, the lower the risk of burnout. In contrast, job stress and burnout have a negative influence on job satisfaction; the higher the stress and burnout, the lower the level of job satisfaction. These findings emphasize the importance of competency development as a strategic measure to reduce stress and burnout and increase job satisfaction. These results provide guidance for hospital management in designing effective competency improvement and stress management programs.

This study aims to improve students' understanding and skills in the makeup and costume of the Gambyong Pareanom dance through the application of the modelling method assisted by audio-visual media. The research subjects were 35 students of class X SP 5 at SMK Negeri 8 Surakarta for the 2024/2025 academic year. The research was conducted in three cycles, each consisting of planning, action, observation, and reflection stages. The learning method involved the use of videos, live demonstrations, group discussions, and independent practice. The results showed significant improvement in each cycle. In the pre-action stage, only 40% of students felt helped by the method and 68% lacked self-confidence. In Cycle I, 55% felt helped and 60% began to show better understanding. In Cycle II, with more interactive media, 72% of students felt helped and 68% reached the minimum passing grade (KKM). In Cycle III, 88% of students found the method very effective, 85% achieved the KKM, and 83% showed improved confidence. These findings prove that the modelling method using audio-visual media is effective in enhancing conceptual understanding, technical skills, and student confidence. The study recommends broader application of this method in vocational school skill-based learning to create a more engaging, contextual, and relevant learning experience aligned with workforce demands and cultural preservation.

Human resource development through Learning and Development (L&D) is a major challenge in improving employee performance in the service sector that is highly dependent on service quality. However, the mechanism of L&D's influence on HR performance involving employee engagement as a mediating variable is still not comprehensively understood. This study aims to analyze the influence of L&D on HR performance with employee engagement as a mediator in service companies in Jakarta. The method used is a quantitative survey with data collection through questionnaires to 120 employees, and data analysis using AMOS-based Structural Equation Modeling (SEM). The results of the study indicate that L&D has a direct positive effect on HR performance and indirectly through increasing employee engagement, which acts as a significant mediator. This finding strengthens the theory of social learning and employee engagement and emphasizes the importance of integrating psychological aspects in employee development. The practical implication is that service sector management needs to design L&D programs that not only improve technical competence but also motivate employee engagement to maximize organizational performance. This study provides a relevant empirical contribution to the development of HR management theory and practice in the service sector.

The development of digitalisation and globalisation requires MSMEs to adopt effective and integrated digital marketing strategies to improve competitiveness in international markets. This study aims to examine the effect of an integrated digital marketing strategy, which combines multi-channel and digital alliance approaches, on MSME performance. A quantitative research method with a survey approach was used, involving a sample of MSMEs that have been actively using digital marketing for at least six months. Data were analysed using Structural Equation Modeling (SEM) with the help of AMOS software. The results showed that multi-channel integration and digital alliances significantly improved the marketing performance of MSMEs in facing the challenges of globalisation. The findings strengthen the Resource-Based Theory (RBT) and Technology Acceptance Model (TAM) in the context of MSME digital marketing. The practical implications of this research emphasise the importance of digital capability development and strategic collaboration as keys to the success of MSMEs in the global market. The research also provides recommendations for MSME players and policy makers to support training programmes and facilitation of sustainable digital alliances.

This study aims to analyze the influence of Resource-Based View (RBV) on innovation performance in Micro, Small, and Medium Enterprises (MSMEs) that have expanded internationally, with government information access as a moderation variable. This study uses a quantitative approach with the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The object of the research is CV. Delta Raya, an MSME in the furniture sector from Batu City that has successfully penetrated the export market to Japan, South Korea, and Mexico. The results of the study show that human capital investment and political connections have a significant positive effect on innovation performance. Although international experience does not have a direct effect, the effect becomes significant when moderated by government information access. Access to government information also strengthens the influence of political connections on innovation. The implications of this study underscore the importance of collaboration between MSME actors and government institutions in encouraging internal resource-based innovation.

The problem in this research is that several employee performance assessments tend to decline, including service orientation, integrity, discipline and cooperation. The decline in performance is thought to be caused by several things, including a lack of quality of the work environment and job satisfaction that have not been fully met. The aim of this research is to test and analyze the influence of the environment and work motivation on employee performance through job satisfaction as an intervening variable at the Bondowoso District Office, Bondowoso Regency. This research was included in confirmatory research with a population and sample of 115 respondents, a saturated sampling technique was used because the entire population was used as the sample. The data analysis technique used is Structural Equation Modeling (SEM) processed with Smart PLS 4.0. Based on the results of data analysis, it shows that the quality of the work environment has a significant effect on job satisfaction. Work motivation has a significant effect on job satisfaction at the Bondowoso District Office, Bondowoso Regency. The quality of the work environment, work motivation and job satisfaction have a significant effect on employee performance at the Bondowoso District Office, Bondowoso Regency. The quality of the work environment has a significant effect on employee performance through job satisfaction at the Bondowoso District Office, Bondowoso Regency. Work motivation has a significant effect on employee performance through job satisfaction at the Bondowoso District Office, Bondowoso Regency

In this have a look at, a new mathematical model for FDAE-based smart manage systems is proposed. The model carries fractional derivatives blended with algebraic constraints to symbolize prolonged memory results. We describe a numerical method to solve the proposed device and practice this version to robotics, self-reliant cars, and sensible prosthetics. The Fractional Collocation Method is employed to resolve FDAEs, making sure accuracy and balance. To validate the proposed method, we introduce 3 examples: a simple FDAE demonstrating the accuracy of the numerical solution, a device of FDAEs modeling interdependent dynamic variables with algebraic constraints, and an FDAE with a nonlinear algebraic constraint, highlighting the approach's capability to handle complicated, nonlinear dynamics. Simulation results verify that FDAEs offer a more practical and powerful tool for designing and reading wise manage systems as compared to classical techniques.

Oil palm is a key commodity supporting Indonesia’s economy through exports and employment. The industry’s success depends heavily on the selection of superior seedlings, which determine productivity, crop quality, and resistance to pests and diseases. Manual selection, however, often leads to subjectivity and inconsistency due to limited human resources and genetic variation. To address this, the study applies the Naïve Bayes algorithm for classifying oil palm seedlings based on seven variables: height, stem diameter, number of leaves, leaf color, disease resistance, root growth, and fruit yield. Using an explanatory quantitative method, the study follows seven stages: identifying problems, literature review, collecting 1,000 data entries from PT Intitama Berlian Perkebunan, data pre-processing, system modeling (UML), algorithm implementation, and evaluation using a confusion matrix and black box testing. Data was split into 80% training and 20% testing. The Naïve Bayes-based classification achieved 95% accuracy and perfect recall (1.00) for the superior seedling class. However, its performance on the minority class (non-superior seedlings) was weaker due to dataset imbalance. Black box testing verified all system functions worked correctly, enabling effective and efficient use by administrators. The study concludes that Naïve Bayes improves objectivity, efficiency, and accuracy in seedling selection. Nonetheless, attention is needed on data balancing and optimization to maintain consistent performance across classes. This system shows strong potential as a decision-support tool in plantations and promotes digital transformation in agricultural processes.