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Penelitian ini menjelaskan perbedaan pemahaman tentang utang dari sudut pandang ekonomi Islam dan ekonomi konvensional, serta tantangan yang dihadapi dalam penerapannya di masyarakat dan institusi keuangan. Dalam ekonomi konvensional, utang dianggap sebagai perjanjian keuangan yang melibatkan bunga, digunakan untuk memenuhi kebutuhan konsumsi dan investasi. Sementara, dalam ekonomi Islam, utang dipahami sebagai alat sosial yang berlandaskan nilai kemanusiaan, solidaritas, dan larangan riba, sehingga perjanjian utang harus bebas dari bunga serta ketidakadilan. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan kajian literatur untuk meninjau konsep, prinsip, serta berbagai hambatan yang dijumpai dalam penerapan kedua sistem. Pengumpulan data dilakukan melalui analisis dokumen dari buku, jurnal, dan penelitian terdahulu, yang kemudian dianalisis dengan menggunakan pendekatan analisis konten. Tujuan penelitian adalah untuk memahami secara mendalam konsep utang menurut perspektif Islam dan konvensional, mengidentifikasi tantangan dalam pengelolaan utang di kedua sistem ekonomi, dan menyajikan perbandingan aspek moral, akad, risiko, serta tujuan penggunaan utang. Hasil penelitian menunjukkan bahwa dalam ekonomi Islam, utang menekankan pada prinsip keadilan dan etika syariah yang melarang riba, berfokus pada kerja sama, serta mengutamakan perjanjian yang jelas dan tertulis dengan disertai saksi. Sementara itu, utang dalam ekonomi konvensional lebih mengedepankan aspek keuntungan dengan penggunaan bunga sebagai sumber utama profit. Dalam praktiknya, manajemen utang syariah menghadapi tantangan seperti rendahnya pemahaman masyarakat tentang keuangan syariah, terbatasnya akses ke instrumen syariah, dan kurangnya regulasi yang tegas. Di lain pihak, pengelolaan utang konvensional berhadapan dengan risiko suku bunga, ketidakstabilan fiskal, serta masalah transparansi dan akuntabilitas. Penelitian ini memberikan sumbangan akademis untuk pengembangan sistem keuangan yang lebih adil dan berkelanjutan di masa mendatang.

This research is motivated by challenges in biology learning, including the lack of digital literacy assessment in schools and the use of conventional learning methods that tend to make students bored. Impractical printed teaching materials cannot be integrated into the form of videos. This research aims to develop an e-module based on Science, Technology, Engineering, and Mathematics (STEM) to analyze the feasibility, practicality, and effectiveness of e-modules in improving students' understanding of concepts and digital literacy on human respiratory system materials. This research uses the Development Research (R&D) method with the ADDIE (Analysis, Design, Development, Implementation, Evaluation) development model.  The research was carried out at SMAN 1 Malinau. The implementation stage used a non-equivalent control group  design involving 34 students in the experimental class and the control class. Data collection instruments include validation sheets for media and material experts, practicality questionnaires for teachers and students, and pretest-posttest  tests to measure concept understanding and digital literacy.  Analysis of effectiveness data using N-gain test and hypothesis test (independent sample t-test for concept understanding and Mann-Whitney for digital literacy). The results of the research based on the validation of media experts and subject matter experts show that the STEM-based e-module is declared "Excellent". The e-module is also rated "Very Practical" by biology teachers and students. The e-module was shown to be effective in improving conceptual understanding, where the average N-gain value of the experimental class (58.63; Quite Effective category) was significantly higher (p=0.017) than that of the control class (40.62).

This study reports the green synthesis of vanadium pentoxide (V₂O₅) using virgin olive oil as a natural and environmentally benign reducing agent. The approach aims to minimize the environmental impacts associated with conventional synthesis routes. Structural and physicochemical characterizations confirmed the successful formation of nanoscale V₂O₅. X‑ray diffraction (XRD) analysis indicated an average crystallite size of approximately 16.57 nm, evidencing high crystallinity. Fourier‑transform infrared spectroscopy (FTIR) revealed characteristic V=O and V–O–V vibrations with bands associated with physisorbed water, confirming the correct oxide framework. Field‑emission scanning electron microscopy (FE‑SEM) showed irregularly shaped nanoparticles with a representative particle diameter of ~32.62 nm. Brunauer–Emmett–Teller (BET) and Barrett–Joyner–Halenda (BJH) analyses yielded a specific surface area of 10.817 m²/g, a total pore volume of 0.024277 cm³/g, and a broad mesoporous distribution (20–90 nm). Energy‑dispersive X‑ray spectroscopy (EDX) confirmed the purity of V₂O₅ with weight fractions of V (69.40%) and O (30.60%), consistent with the stoichiometric composition. Overall, the results demonstrate the effectiveness of olive oil as a green reducing agent for preparing nanoscale V₂O₅, which is promising for catalysis, energy storage, sensors, and clean‑energy applications.

The global environmental crisis caused by plastic pollution has intensified in recent years, particularly in aquatic ecosystems such as rivers, lakes, and oceans, creating an urgent need for effective and sustainable solutions. This article explores the potential role of aquatic bacteria in degrading plastic polymers by reviewing the biological and molecular mechanisms these microorganisms use to break down complex synthetic materials. Special attention is given to key genes and enzymes involved in plastic degradation, including PETase and MHETase, which play a critical role in the decomposition of polyethylene terephthalate (PET). In addition, the article highlights advanced gene expression and analysis techniques, such as metagenomics, transcriptomics, and proteomics, to better understand bacterial activity and degradation dynamics in natural environments. The main problem addressed is the continuous and unsustainable production and consumption of plastics, which has resulted in extensive pollution of freshwater and marine systems, while conventional waste treatment methods remain largely ineffective. The objective of this article is to provide a comprehensive scientific review of biotechnological approaches used to analyze and utilize aquatic bacteria for plastic degradation, focusing on molecular aspects and environmental applications. Using a literature review method, studies published between 2018 and 2024 were analyzed to evaluate effective bacterial models, technological challenges, and future prospects. The findings indicate that aquatic bacteria offer promising potential as biological tools for mitigating plastic pollution through sustainable environmental strategies.

Social media has become a tool used by everyone. It has become a widely used tool for sharing information and as a promotional platform. In today's digital era, many MSMEs (Micro, Small, and Medium Enterprises) promote their products using social media, eliminating the need to rely entirely on conventional strategies such as direct sales in markets or stores. Marketing utilizes digital technology to achieve goals through active and measurable communication. Marketing strategies using social media are crucial because they can reach a wide range of buyers without time or geographic limitations. Sellers and buyers can interact with each other through messages, comments, and reviews. This research aimed to gain a deeper understanding of how social media influences the marketing strategies implemented by MSMEs through interviews. The results of this study concluded that social media significantly influences MSME marketing strategies and builds relationships with customers. MSMEs are expected to develop better promotional strategies in the future and learn to adapt to competition in the digital era. As a suggestion, MSMEs are advised to integrate interactive content such as live streaming and influencer collaborations to strengthen consumer engagement, as well as allocate a minimum budget of 10-15% of revenue for digital marketing training.

This study compares the Islamic religious education systems in Indonesia and Malaysia with a particular focus on curriculum design and its implementation within secondary schools. Using a qualitative research approach, data were gathered through document analysis and interviews with educators and school administrators from both countries. The findings show that although Indonesia and Malaysia share similar objectives in fostering students’ understanding and practice of Islamic teachings, several significant differences remain in terms of curriculum structure, learning materials, and instructional strategies. In Indonesia, Islamic religious education is more closely integrated into the national curriculum, emphasizing a balance between religious values and general educational competencies. Meanwhile, Malaysia adopts a more specific and traditionally oriented curriculum that places stronger emphasis on classical Islamic knowledge and conventional pedagogical practices. Implementation in both countries is shaped by government policies, socio-cultural contexts, and local wisdom that influence how Islamic education is delivered in the classroom. Overall, this study is expected to contribute as a useful reference for enhancing the effectiveness, relevance, and contextualization of Islamic education systems in both nations.

Digital development has significantly influenced business practices, particularly for Micro, Small, and Medium Enterprises (MSMEs), which are required to adapt to technological changes in order to remain competitive. However, many MSMEs still rely on conventional marketing methods and have limited understanding of digital marketing and digital financial management. This community service program aims to strengthen MSMEs’ competitiveness through the implementation of digital marketing strategies that support market expansion and improve business sustainability. The program was conducted using a qualitative descriptive approach through a series of community service activities, including field observations, interviews, seminars, and mentoring sessions for MSME actors. The focus of the activities was to introduce and assist MSMEs in utilizing digital marketing platforms, particularly social media such as Instagram, TikTok, and Facebook, as well as online marketplaces, to promote products more effectively. In addition, MSME participants were introduced to basic digital financial applications to support more structured and transparent financial recording. The results of the community service activities indicate positive changes among MSME participants, including increased awareness of the importance of digital marketing, improved product branding, broader market reach beyond local areas, and better financial management practices compared to previous manual recording methods. The adoption of digital marketing strategies enabled MSMEs to communicate product information more efficiently and build consumer trust through online presence. This community service program demonstrates that digital marketing assistance combined with practical mentoring can enhance MSMEs’ competitiveness and contribute to improving community economic welfare. Continuous support and consistency from MSME actors are essential to ensure the sustainability of digital transformation initiatives.

The advancement of digitalization and government programs through the Electronic-Based Government System (SPBE) have impacted digital performance systems at various levels of government. The Puloniti village government is also one of the village governments that needs to transform conventional performance into digital performance in response to global challenges. Through this study, the research team aims to assess the capacity of the Puloniti village government to carry out digital work transformation and identify the main obstacles that hinder it. This research was conducted using a qualitative descriptive approach through observation, interviews, and documentation. This study identified two main obstacles for the Puloniti village government in carrying out digital performance transformation: limited human resource literacy and inadequate software facilities and infrastructure.

Accurate wind turbine power curve modeling plays a crucial role in performance evaluation, energy yield estimation, and data-driven control strategies. However, actual power curves often exhibit non-linear behavior influenced by atmospheric variability, measurement noise, and SCADA anomalies, making conventional modeling approaches less effective. This study proposes an optimized logistic power curve model whose parameters are tuned using Particle Swarm Optimization (PSO) to improve predictive accuracy. The analysis uses the Wind Turbine SCADA Dataset from Kaggle, which undergoes extensive preprocessing including physical rule filtering, outlier detection with the Interquartile Range (IQR) method, anomaly removal, and smoothing of the power signal. A three-parameter logistic model is selected due to its ability to capture the typical S-shaped relationship between wind speed and power output. PSO is applied to identify optimal model parameters by minimizing the Mean Squared Error (MSE), utilizing 40 particles over 200 iterations. The optimized model achieves strong predictive performance with RMSE of 404.09, MAE of 179.96, and R² of 0.904 on the test set, indicating that more than 90% of the variability in actual power can be explained by wind speed. Residual analysis reveals heteroscedastic patterns and slight overestimation in mid-range wind speeds, yet overall model consistency remains high. Comparative evaluation against Linear Regression, Random Forest, and logistic modeling using curve_fit shows that the Logistic–PSO approach provides the most accurate and stable predictions. These findings demonstrate that combining logistic modeling with PSO offers an effective and robust method for data-driven wind turbine power curve optimization.

Driven by the need for sustainable building materials with effective acoustic performance, this work investigates coconut-fiber-based cement-bonded particleboard as a bio-based alternative, evaluating its sound absorption and transmission characteristics to determine suitability for noise control in architectural and industrial applications while considering manufacturability, local material availability, and potential environmental benefits compared to conventional synthetic panels and providing guidance for designers and manufacturers across different climatic zones. This study aims to analyze the acoustic characteristics of coconut-fiber-based Cement-Bonded Particleboard (CBPB) through measurements of the Sound Absorption Coefficient (SAC, α) and Transmission Loss (TL). CBPB samples were fabricated with thickness variations of 12, 16, and 20 mm and tested using an impedance tube in accordance with ISO 10534-2:1998 and the ASTM E90-09 (2016) method. The results showed that the α value increased with both frequency and panel thickness, reaching a maximum of 0.78 at frequencies of 2500–3150 Hz for the 20 mm panel. The highest TL value reached 42 dB at a frequency of 4000 Hz. Coconut-fiber-based CBPB demonstrated strong potential as an eco-friendly structural acoustic material.

The educational transformation driven by Industry 4.0 and Society 5.0 requires teachers’ digital pedagogical competence. Preliminary observations at SMP Negeri 2 Galesong Selatan, Takalar Regency, South Sulawesi, Indonesia, revealed a skills gap: conventional practices dominate while digital platforms remain underutilized. This community engagement program sought to bridge the gap through intensive training on Canva for visual learning media and Quizizz for gamified assessment. Conducted in August 2025 with 10 teachers across subjects, the program employed a participatory, four-stage procedure: preparation; socialization and pretest; training and coaching; and evaluation and posttest. Data were collected via observation, questionnaires, and knowledge tests, and analyzed descriptively and comparatively. Results indicate a marked improvement in teachers’ digital competence: the average score increased from 45 (pretest) to 85 (posttest), an 88.9% gain. By indicator, improvements reached 112.5% for understanding Canva features, 95.5% for digital learning media creation, and 64% for using Quizizz. Qualitatively, teachers produced engaging posters/infographics and slide presentations and designed interactive quizzes with instant feedback, fostering more varied and participatory classroom dynamics. The training effectively enhanced teachers’ digital literacy and confidence and supported a role shift from content deliverers to creative facilitators within student-centered learning. Replication and sustained coaching are recommended to consolidate a school-wide digital learning ecosystem.  

The rapid development of information technology has encouraged various educational institutions, including non-formal education providers, to utilize digital media as an effective means of information dissemination and communication with the wider community. Taman Pendidikan Al-Qur’an (TPQ) Jabal Annur, located in Tambun Selatan, Bekasi Regency, still experiences limitations in delivering information to the public due to the absence of a website-based information medium. Currently, information related to the institutional profile, learning activities, schedules, and official announcements is conveyed through conventional methods, which are less effective and have limited reach. Therefore, this community service activity aims to assist TPQ Jabal Annur in developing a simple, functional, and accessible information website using HTML and CSS, as well as deploying it through the GitHub Pages platform. The implementation method consists of several stages, including initial observation to identify partner needs, website interface and content design, website development, and implementation and deployment. The result of this activity is an official TPQ website that can be accessed online and functions as a centralized information medium for students, parents, and the surrounding community. The availability of this website is expected to enhance the effectiveness, accuracy, and accessibility of information delivery, as well as to support the digital transformation process in non-formal religious education institutions in adapting to the demands of the digital era.

This study aims to explain and reconstruct the notion of auditor professionalism beyond the reasoning framework found in the accountants’ code of ethics. The reconstruction is carried out by redefining auditor professionalism through the integration of moral reasoning and the values derived from QS. Al-Isra (36), as a response to the issue of fraud disclosure. The research adopts a non-technical perspective on auditor professionalism. Accordingly, the appropriate method for this study is Theoretical Triangulation, namely testing auditor professionalism from the perspective of moral reasoning and QS. Al-Isra (36). Specifically, the research begins by utilizing three sources of values: the Handbook of the Code of Ethics for Professional Accountants, principles of moral reasoning, and the guidance in QS. Al-Isra (36). Second, the study identifies the limitations of conventional interpretations of auditor professionalism when examined solely from ethical codes, and further analyzes how moral reasoning and QS. Al-Isra (36) enrich this perspective. Third, the concept of auditor professionalism is reconstructed in a holistic manner. Finally, the study concludes whether moral reasoning and QS. Al-Isra (36) are interrelated with the auditors’ professionalism in uncovering fraud. Ultimately, this article proposes a revised conception of auditor professionalism. By incorporating moral reasoning and QS. Al-Isra (36), auditor professionalism is envisioned as transcending rationalism and materialism. It is defined as a commitment to uphold the accountants’ code of ethics, grounded in justice and virtue, with an awareness that every action will be held accountable in the hereafter.

This study analyzes the implementation of Asset-Based Community Development (ABCD) principles in the 'Nusa Loe' program in Biting Village, East Manggarai. The ABCD approach emphasizes utilizing local assets such as social networks, cultural traditions, natural resources, and human skills as the foundation for sustainable development and community independence. The program begins with an asset mapping activity led by the community, enabling the identification of the village's strengths from five key aspects: human, social, natural, institutional, and cultural assets. Through active participation, the community designs and implements development activities based on local potentials, replacing the conventional development paradigm that focuses on deficiencies and needs. The qualitative research approach employs in-depth interviews, participatory observations, and data triangulation to understand the shifts in mindset and community empowerment. The findings show that the implementation of ABCD successfully transformed the community's mindset, previously dependent on external aid, into a more independent and self-confident one. For example, Mr. Petrus, who improved the economic value of local coffee products after attending a coffee roasting training, and Mrs. Maria, who emphasized the importance of social capital and solidarity in supporting the sustainability of village businesses. The strengthening of cultural assets and local traditions, such as the Caci dance and customary rituals, was also integrated into the village's development plans and institutional management. The 'Nusa Loe' program demonstrates that asset-based empowerment can build a self-reliant, innovative, and sustainable village in the face of development challenges.

This study aims to analyze the digital marketing strategies implemented by Islamic fintech platforms to enhance their competitiveness in the Islamic financial sector. The research is motivated by the rapid development of financial technology, which has significantly influenced consumer behavior and reshaped financial institutions’ business models, including those operating under Islamic principles. Despite this growth, Islamic fintech faces challenges in strengthening its brand image, user trust, and customer loyalty amidst the dominance of conventional fintech players. The study adopts a qualitative descriptive approach using case studies of selected Islamic fintech platforms such as Ammana, Ethis, and Investree Syariah. Data were collected through documentation, online interviews, and analysis of financial reports and official websites. The data were analyzed using the SWOT framework to identify the strengths, weaknesses, opportunities, and threats of current digital marketing strategies. The findings indicate that the use of social media, collaboration with Muslim influencers, and educational content about halal finance serve as key strategies for expanding market reach and building user trust. Consistent and Sharia-compliant digital marketing efforts have proven effective in enhancing brand awareness, customer loyalty, and Islamic financial inclusion. The implications of this research suggest that digital marketing is not merely a promotional tool but a strategic instrument to strengthen competitiveness and expand the global presence of Islamic fintech. With supportive regulations and improved digital literacy, Islamic fintech has the potential to become a driving force in transforming the Islamic financial ecosystem in the digital era.

Purpose – This article aim For explore idea integrative regarding defense strategy Indonesian hybrid with combine approach conventional, asymmetric, and multidimensional in face complexity conflict in the ASEAN region. Design/ methodology / approach – Research This use systematic literature review (SLR) method on work Suhirwan and Wahyudin (2023), and literature international related defense, regional security, and warfare asymmetrical. This article analyzed 25 sources covering​ books, journals national reputable, and publications international in 2022–2025 period. Findings – The study shows that ASEAN's defense strategy is not can Again only depend on strength conventional, but need framework integrative that includes element diplomacy defense, defense cyber, and the role of actor Civil Defense Model Proposed hybrid​ in article This offer framework adaptive for Indonesia to anticipate threat conventional and non- conventional at a time.Implications practical – This article emphasize that Indonesia needs developing Cyber Forces Independent, strengthening diplomacy defense, as well as build Work The same cross ministries and institutions as part from system defense layered national.​ Originality / Value – Novelty article This lies in the formulation of the Integrative Model Defense Synergistic hybrid​ aspect military regular, defense cyber, counter-terrorism, and diplomacy defense to in One framework strategic. This model give contribution conceptual new for studies defense in ASEAN as well as relevance practical for maker Indonesian policy.

This study analyzes the mechanism of money creation in Islamic financial institutions by highlighting its relationship to the principle of prudence and the intermediation function. The research background is based on the growth of Indonesia's sharia capital market which by 2025 will reach a capitalization of IDR 5,060 trillion, but still faces conceptual challenges regarding how money is created according to the principles of maqashid al-shariah. The method used is Systematic Literature Review (SLR) with PRISMA guidance on 38 relevant scientific articles. The results of the study show that money creation in the sharia system only occurs through real asset-based economic activities, in contrast to the conventional system that relies on credit and interest expansion. The intermediation function is carried out through partnerships that prioritize proportional sharing of risk and profit, while the prudential principle ensures that monetary expansion remains under control. In addition, research has found that sharia contracts such as murabahah, mudarabah, and musharakah play a role in encouraging productive money circulation while suppressing speculative activities. This study concludes that the integration between the moral and economic dimensions forms a just, stable, and sustainable Islamic monetary paradigm. These findings make a conceptual contribution to strengthening Islamic financial policy in Indonesia, especially in formulating a monetary regulatory framework that is in line with the principles of distributive justice, transparency, and protection of the stability of the national financial system.

This abstract summarizes the innovation in land administration services through the implementation of Electronic Land Rights Certificates (e-Certificates) by the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (ATR/BPN). The policy responds to persistent challenges in conventional land certificate services, including lengthy bureaucratic procedures, limited transparency, and risks of document duplication and forgery. The study focuses on the implementation of e-Certificate services at the Surabaya City Land Office II, aiming to analyze the effectiveness of the innovation, supporting and inhibiting factors, and its impact on public service quality. A descriptive qualitative approach is employed, utilizing Rogers’ Diffusion of Innovation theory (1971) with five key indicators: relative advantage, compatibility, complexity, trialability, and observability. Data collection methods include document analysis, in-depth interviews, and field observation. Findings indicate that the e-Certificate provides significant benefits, such as time efficiency, enhanced data security, and improved transparency. The innovation also aligns with national priorities for digital transformation and bureaucratic reform. However, notable complexity persists due to limited digital literacy among the public and adaptation challenges faced by employees. Limited-scope pilot implementation supports iterative system improvements, while observable outcomes include accelerated services and increased public trust. Key enabling factors consist of strong national policy support, advanced digital infrastructure in Surabaya, and organizational commitment. Conversely, constraints include limited human resources, resistance to organizational change, and data security concerns. Overall, the e-Certificate innovation at the Surabaya City Land Office II has generated new public value through faster, more efficient, and accountable services, establishing a model for advancing digital transformation in land administration across Indonesia.

Background: Posterior tooth loss can impact masticatory function, aesthetics, and quality of life. Bridges are a restorative solution, but conventional pontic designs often make it difficult to maintain periodontal hygiene and health. Sanitary pontics offer a design that minimizes tissue contact, facilitates cleaning, and reduces plaque accumulation. Case report: A 23-year-old male patient lost his mandibular right first molar and sought to restore chewing function. After clinical and radiographic examinations, it was decided to restore the edentulous area of tooth 46 using a PFM bridge with a sanitary pontic design. Teeth 45 and 47 underwent abutment preparation, impressions, and fabrication of the bridge. Discussion: The sanitary pontic design has been shown to facilitate oral hygiene, especially under the pontic. The space between the pontic and the alveolar mucosa facilitates effective brushing or flossing, reducing plaque and the risk of gingival inflammation. PFM materials provide appropriate strength and durability for posterior restorations. Conclusion: A Porcelain Fused Metal (PFM) bridge with a sanitary pontic design is an effective restorative alternative for posterior tooth loss, improving hygiene and supporting long-term periodontal health.

Infertility affects approximately 8–12% of couples worldwide, with male factors contributing to nearly half of all cases. Varicocelectomy, particularly the microsurgical subinguinal technique, is now considered the primary treatment that provides superior reproductive outcomes compared to conventional or laparoscopic approaches. To evaluate and compare fertility outcomes and recurrence risks between microsurgical and conventional inguinal varicocelectomy, based on recent evidence from 2020 to 2025. Methods A systematic review was conducted using databases including PubMed, Scopus, Cochrane, ScienceDirect, and Google Scholar. Out of 371 identified articles, 9 studies met the inclusion criteria. Results, most studies demonstrated that the microsurgical technique significantly improved sperm concentration, motility, and morphology, as well as higher natural pregnancy rates. The risks of hydrocele and recurrence were also markedly lower than those observed with laparoscopy. The average postoperative sperm count increased by 7.7 ± 4.5 million/mL (p< 0.001). Furthermore, the microsurgical subinguinal approach allows for more precise identification of arteries and lymphatic vessels, thereby minimizing vascular injury and facilitating faster recovery. Conclusion, the microsurgical subinguinal varicocelectomy has proven to be more effective and safer than conventional approaches. This technique significantly enhances semen parameters and pregnancy rates, while reducing the risk of hydrocele formation and recurrence.