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Muhammad Yusuf; Mursani Mursani; Tri Mulyadi

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

Drug abuse among adolescents in Jayapura City is a pressing issue with significant repercussions for health, society, and the future of younger generations. Due to Jayapura's strategic position as a border city with Papua New Guinea, it faces a heightened risk of cross-border drug trafficking, making it particularly vulnerable. This study explores the various factors contributing to the rise in drug abuse among adolescents, including individual, family, and peer group dynamics, socio-economic conditions, weak legal enforcement, and the influence of globalization. The findings suggest that a multifaceted approach is essential in addressing the problem. Repressive measures alone are insufficient, and should be complemented by preventive, rehabilitative, and educational strategies. Such approaches must emphasize child protection principles and ensure justice that is both substantive and forward-thinking. Progressive and responsive legal frameworks, aligned with the goals of criminal punishment, are necessary to effectively combat drug abuse in Jayapura. Moreover, these frameworks should prioritize adolescent recovery, recognizing that these individuals are the future of the nation.

Marisa Aulia Gea

Jurnal Teologi Injili dan Pendidikan Agama 2025 Sekolah Tinggi Pastoral Kateketik Santo Fransiskus Assisi

This research examines the role of family quality time in dealing with children with special needs (ABK) from the perspective of John 9:2-3. Based on analysis of the text, this research uses a descriptive qualitative approach with library study methods to collect and analyze data from various relevant sources. The results of the discussion show that children with special needs are God's initial creation, and there is a need for a deep understanding of human diversity and rejection of stigmatization related to children's conditions. In this context, the role of the family is very important in supporting, protecting and treating children with special needs with appropriate love and respect. The perspective of John 9:2-3 shows that the physical or mental condition of children with special needs is not the result of sin, but is an opportunity to demonstrate God's power and demonstrate God's love and deep concern for children. Therefore, implementing the role of family quality time involves several approaches, including giving full attention when together, involving children in family activities, and reading and meditating on the Bible together. So, this approach has great potential to promote the well-being and development of children with special needs, as well as strengthen healthy and inclusive intrafamilial relationships. Thus, the role of family quality time in dealing with children with special needs is important morally and spiritually, as well as in forming a strong foundation for children's growth and happiness in the family context.

Iqlima Khoirunnisa; Puji Ayuni Anawawi; Lina Marlina

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the concept of ukhuwah (brotherhood) from the perspective of the Qur’an as the foundation of social capital in Islam. Social capital in modern social theory is understood as networks, norms, and trust that strengthen collaboration between individuals and groups. In Islam, the spiritual foundation has been embedded through the value of ukhuwah. This research uses the library method with a thematic exegesis (mawdhu’i) approach to analyze the Qur’anic verses related to ukhuwah and link them to modern social capital theory. The findings show that ukhuwah plays an important role in cultivating trust (trust capital), strengthening socio-economic networks (network capital), and promoting fair economic distribution. Therefore, ukhuwah serves as a conceptual foundation for Islamic social capital, which is not only relevant in facing contemporary economic challenges but also supports equitable and sustainable economic development for the community. This study provides an understanding that Islamic social capital, built through ukhuwah, can be a solution for creating social justice and sustainable prosperity in society.

Ahmad Yunus; Moh. Jeweherul Kalamiah; Hasbi Ash Shiddiqi

Jurnal Hukum, Politik dan Humaniora 2025 Lembaga Pengembangan Kinerja Dosen

Cigarette excise crimes are a form of economic crime that significantly impact state revenues, national economic stability, and the market balance of the tobacco industry. This phenomenon not only causes material losses to the state but also has implications for social justice and the economic order of society. This study aims to analyze in depth the characteristics, causes, and implications of cigarette excise crimes from the perspective of economic criminal law and criminology. The research method used is a juridical-normative approach combined with criminological analysis to identify the relationship between social, economic, and legal factors in cigarette excise violations. The results indicate that these crimes are driven by economic motives, regulatory imbalances, weak law enforcement, and low public awareness of excise obligations. Through this analysis, the study emphasizes the need for synergy between criminal law policy, economic oversight, and a criminological approach to create an effective and equitable excise control system in Indonesia.

Rahayu, Rahayu; Ekawati, Christina; Sjaiful, Evilina

Jurnal Ilmiah Serat Acitya 2025 Universitas 17 Agustus 1945

Penelitian ini bertujuan untuk mengevaluasi dampak literasi keuangan, pola hidup, locus of control, dan parental income terhadap perilaku pengelolaan keuangan mahasiswa program sarjana Latar belakang penelitian ini adalah pentingnya keterampilan mahasiswa dalam mengelola keuangan secara bijaksana, terutama dalam menghadapi tantangan ekonomi di zaman modern. Literasi keuangan menjadi elemen utama dalam pemahaman mahasiswa mengenai pengelolaan keuangan, sedangkan pola hidup, locus of control, dan pendapatan orang tua juga berperan dalam membentuk perilaku finansial mereka. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan teknik survei kuesioner yang disebarkan kepada 172 mahasiswa semester 5 sebagai sampel penelitian secara acak dari populasi sejumlah 300 mahasiswa sebagai responden. Data yang diperoleh dianalisis menggunakan metode statistik inferensial untuk menguji hubungan antar variabel, baik secara parsial maupun simultan. Hasil dari penelitian ini menunjukkan bahwa literasi keuangan memberikan pengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa, yang menunjukkan bahwa semakin tinggi literasi keuangan, semakin baik pula kemampuan mereka dalam mengelola keuangan. Pola hidup juga terbukti memiliki pengaruh signifikan, pola hidup yang bijak berkontribusi pada perilaku keuangan yang lebih baik. Selain itu, locus of control sebagai faktor internal mahasiswa menunjukkan pengaruh positif dan signifikan terhadap perilaku keuangan mereka. Begitu juga pengaruh pendapatan orang tua terhadap perilaku pengelolaan keuangan menunjukkan signifikansi secara parsial. Namun, secara simultan, literasi keuangan, pola hidup, locus of control, dan parental income memiliki pengaruh signifikan terhadap perilaku pengelolaan keuangan.

Abraham, Agustinus

Jurnal Pendidikan Agama dan Teologi 2025 International Forum of Researchers and Lecturers

This research  examines the transfiguration of Jesus in the Synoptic Gospels, with particular emphasis on the theological distinctiveness of the Gospel of Mark. The study employs a qualitative method using a literature review approach, focusing on narrative analysis, textual comparison, and theological reflection. The analysis shows that although Matthew, Mark, and Luke present the transfiguration event, each Gospel offers distinctive features in wording, narrative structure, and theological emphasis. Mark presents the transfiguration in a concise form, portraying Jesus as the messianic Son of God and as a prophet like Moses, while highlighting the apocalyptic and symbolic aspects of this divine encounter. From Mark’s perspective, the transfiguration serves as a prefiguration of Jesus’ resurrection and a revelation of His messianic identity, which in the Greco-Roman context may be understood as apotheosis—the elevation of a human into divinity. This study affirms that the transfiguration in Mark is not only a historical event but also a theological event that encompasses eschatological and christological dimensions, as well as a reflection on divine hiddenness. In conclusion, the transfiguration is understood as a manifestation of Jesus’ hidden glory within suffering, confirming that the path to resurrection and glory must pass through the cross. This article contributes to biblical and theological studies by demonstrating how Mark articulates a unique christology, one that remains relevant for contemporary Christian faith and opens avenues for further exploration through apocalyptic theology and scriptural intertextuality.

Kurnia Tri Puspita; Mu’alimin Mu’alimin; Mukaffan Mukaffan

Jurnal Cakrawala Pendidikan dan Biologi 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

Learning style theories have long been used to understand individual differences in learning processes. Models such as VAK (Visual, Auditory, Kinesthetic) and Multiple Intelligences offer frameworks for adapting instructional strategies to students’ preferences. However, these approaches have been criticized for their reductionism and limited empirical validity, often neglecting the holistic nature of human learning. In contrast, the Islamic concept of fitrah provides a more comprehensive perspective, encompassing intellectual, spiritual, moral, and emotional dimensions in an integrated manner. This conceptual article aims to analyze and integrate Western learning style theories with Islamic perspectives to develop a more holistic learning paradigm. Through an extensive literature review and theoretical analysis, the article proposes an integrative model that bridges empirical approaches with spiritual values. Theoretically, this integration enriches academic discourse by connecting two distinct knowledge traditions. Practically, it offers a framework for educators and institutions to design adaptive learning processes that address learner diversity while fostering spiritual and moral development.

Riyana Akhsani; Annisa Nur Husna; Nada Fatma; Yunifa Rihhadatul ‘Isyiyah; Ardhita Juliani Ardhani

Jurnal Pendidikan dan Kewarganegara Indonesia 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This study examines Ahmad Mustain Nasoha’s thoughts on the relationship between the constitution and Islamic law (sharia) within the context of Indonesian citizenship. The interaction between religion and the state in Indonesia has always been a dynamic discourse, particularly in balancing Islamic values as the majority religion with the constitutional principles rooted in Pancasila and the 1945 Constitution. This research employs a qualitative method using a literature review approach to analyze Nasoha’s works and perspectives on integrating Islamic values into the legal and state systems. The findings reveal that, according to Nasoha, Islamic law should not be formalized in a legalistic manner but should function as a moral inspiration and social norm within national life. Through the perspective of legal syncretism, Islamic law, customary law, and national law can be harmonized to create an inclusive and just legal system. Pancasila serves as a meeting point that bridges religious and constitutional principles, allowing Muslims to practice Islamic teachings without conflicting with the constitution. Nasoha’s thought offers a moderate and contextual model of citizenship suitable for Indonesia’s pluralistic society.

Sama’un, Sama’un; Bahrudin, Ahmad

Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan 2025 Lembaga Pengembangan Kinerja Dosen

In inheritance law, the Qur’an typically stipulates a 2:1 distribution, where men receive two parts and women one. This division is often justified by the idea that men are responsible for earning a living, with women not typically involved in financial support. However, feminist exegete Amina Wadud argues that this distribution is not based on justice. She emphasizes that the primary consideration in inheritance should be the benefits the heirs will receive, rather than gender. This study aims to analyze inheritance distribution in Qs. al-Nisā’ verses 11-12 from Amina Wadud's feminist perspective, specifically her critique of the 2:1 ratio. The study is a qualitative library research study titled "Inheritance in the Review of Justice and Benefit Perspective Amina Wadud." The primary source is Wadud's book Women in the Qur'an and the Qur'an According to Women, with secondary sources drawn from related articles and journals. The findings indicate that while the Qur'an generally assigns men a larger share, inheritance is not always distributed in a 2:1 ratio. The division varies depending on factors such as family relationships, with sometimes equal shares (1:1) or a different distribution (1:2), prioritizing justice and the benefits of the heirs.

Ryan Marala

Jurnal Visi Manajemen 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

With the lack of literacy related to money waqf, people do not understand what money waqf is, so that its great potential cannot be optimized. The opportunity for waqf in Indonesia is very large. This is due to the majority of the population being Muslims (Rinawati, 2021).. The purpose of this study is to find out the Optimization of Money Waqf Collection Using a Digital System from the Perspective of Sharia Economic Law (Study Study at the Indonesian Waqf Agency (BWI). The type of research conducted by the researcher is qualitative case studies. Qualitative data is data in the form of words, not in the form of numbers. Qualitative data is obtained through various data collection techniques such as interviews, document analysis, focused discussions, or observations that have been outlined in field notes (transcripts). The results of the research found that legally, there are regulations that allow money waqf, including the fatwa of the Indonesian Ulema Council (MUI) with the provision of distributing money waqf only for things that do not violate sharia and are right on target to people in need. With the digital regulation of waqf that is still common, the mechanism of the digital system in collecting money waqf is still not optimal and is still in the stage of finding a pattern in the collection of digital-based waqf. Then the potential for money waqf is very large and must be optimized. However, the existing potential must also be balanced with innovative programs so that the number of collections is also optimal.

Dwi Marlianto

Jurnal Hukum, Administrasi Publik dan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Legal uncertainty in the implementation of the carbon tax poses significant challenges to Indonesia’s investment climate, particularly in the non-renewable energy sector. This study aims to examine how the postponement of carbon tax implementation, despite the operation of carbon trading instruments, affects foreign investors’ expectations from the perspective of investment law. The research employs a normative juridical (dogmatic) approach combined with a light event study on major policy milestones between 2021 and 2023, including Presidential Regulation No. 98/2021, Ministerial Regulation of Energy and Mineral Resources No. 16/2022, OJK Regulation No. 14/2023, the launch of IDXCarbon, and the announcement of the carbon tax delay until 2025. The findings reveal varied market responses in fossil-based utility firms’ stocks and bonds, indicating the presence of an uncertainty premium. From a legal standpoint, the asymmetric configuration between delayed fiscal instruments and the ongoing non-fiscal instruments potentially undermines the principle of legal certainty under Investment Law No. 25/2007, while also raising risks related to Fair and Equitable Treatment (FET) and legitimate expectations. Nevertheless, the state’s right to regulate remains a crucial foundation for balancing investor protection with the imperative of energy transition. This study underscores the importance of policy consistency and transparency to maintain investment attractiveness and strengthen the legitimacy of Indonesia’s climate regulation.  

Mahsuna Aulia Anggraini; Anis Maisya

Moral : Jurnal kajian Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study examines the influence of globalization on the YOLO (You Only Live Once) culture and hedonistic behavior among students at UIN Raden Mas Said Surakarta and offers solutions based on Islamic values. Globalization, fueled by technological and social media developments, has accelerated the spread of consumer culture. This encourages students to prioritize immediate pleasure without considering the long-term impact.The research method used was descriptive qualitative, using interviews and literature analysis. The results show that social pressure, the influence of digital trends, and easy access to a consumer lifestyle play a significant role in the rise of hedonistic behavior among students. This phenomenon indicates a shift in mindset that tends to prioritize instant gratification. From an Islamic perspective, this lifestyle is inconsistent with the principle of wasathiyah, or balance, which emphasizes simplicity, responsibility, and a meaningful life orientation. Therefore, the solutions offered include strengthening character education based on Islamic values, developing a da'wah community close to the realities of students, and providing alternative programs that can channel the energies of the younger generation toward productivity and spirituality.Through this approach, students are expected to be able to act more wisely in facing the strong currents of globalization and adopt a balanced lifestyle, not get caught up in hedonism, and still adhere to Islamic teachings

Muhammad Razesh Musyarraf; Muhammad Alif

Moral : Jurnal kajian Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study explores the phenomenon of eclipses from the perspective of Islamic prophetic traditions (hadith), aiming to understand the theological and ritual responses to such celestial events in Islamic teachings. Despite being predictable astronomical occurrences, eclipses have often been associated with myths and superstitions in various cultures. The study investigates how Islamic teachings demystify these phenomena through authentic hadiths. Using a qualitative method with a thematic and historical approach, primary data were drawn from digital hadith sources such as Maktabah Syamilah, Hadith Soft, and the Encyclopedia of Hadith: The Nine Imams. The analysis identified ten relevant hadiths, which were grouped into three main themes: the meaning of eclipses, the spiritual wisdom behind them, and prescribed religious practices. Findings show that Islam emphasizes eclipses as signs of God's greatness, unrelated to death or birth events, and calls for reflective acts such as prayer and charity. This research contributes to the discourse on how religious texts provide a rational and spiritual framework for  natural phenomena

Andriyan Mauriz Hans Purba; Halimatul Maryani

Jurnal Begawan Hukum (JBH) 2025 Lembaga Pengabdian Masyarakat Universitas Ichsan Gorontalo

The threat of terrorism involving the use of explosives poses a serious challenge to Indonesia’s national security, particularly in strategic regions such as North Sumatra. The suicide bombing incident at the Medan Police Headquarters in 2018 serves as a clear example of the urgency of preparedness and emergency response by the Bomb Disposal Unit (JIBOM) of the Brimob Unit at the North Sumatra Regional Police. Handling such situations requires not only high-level technical expertise but must also adhere to the principles of International Humanitarian Law (IHL) to ensure the protection of civilians. This study aims to examine the preparedness of the JIBOM Unit, assess emergency handling procedures for explosive threats based on national regulations, and analyze the conformity of these actions with the principles of humanitarian law. The research uses a normative and empirical juridical approach through literature review, field observation, and interviews with JIBOM personnel. The findings reveal that the JIBOM Unit has implemented an effective preparedness system through regular training, the use of modern technologies such as EOD robots and X-ray scanners, and the application of an integrated command system. Emergency handling procedures are carried out in accordance with police standard operating procedures (SOP) while prioritizing civilian safety. From a legal standpoint, JIBOM's actions align with key humanitarian principles such as distinction, proportionality, humanity, and military necessity, even though Indonesia is not in an armed conflict. This study emphasizes the importance of strengthening regulations, enhancing inter-agency coordination, and improving public literacy to support the lawful and humane execution of bomb disposal operations.

Nisrina Hanun; Elisatris Gultom; Nun Harieti

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

A partnership agreement is a form of business collaboration, either directly or indirectly, that is established based on the principles of mutual need, mutual trust, mutual reinforcement, and mutual benefit. Such partnerships generally involve Micro, Small, and Medium Enterprises (MSMEs) working with larger businesses in order to create a fairer and more sustainable business relationship. However, in practice, the implementation of partnership agreements often does not reflect these fundamental principles. This is also evident in the nucleus-plasma scheme within the palm oil plantation sector, where the relationship between the nucleus companies and plasma farmers tends to show an imbalance of bargaining power. This study aims to examine the application of partnership principles in the implementation of nucleus-plasma agreements in palm oil plantations, viewed from the perspective of prevailing legislation, particularly the Law on Micro, Small, and Medium Enterprises (MSME Law). The findings indicate that the application of partnership principles has not yet been fully implemented consistently. The partnership relationship remains unequal and is largely dominated by the nucleus companies, creating a sense of injustice for plasma farmers. In terms of supervision, the Indonesian Business Competition Supervisory Commission (KPPU) plays a crucial role in ensuring that partnership agreements are carried out in line with these principles. One of the measures taken is monitoring the implementation of behavioral change commitments by business actors. KPPU ensures that nucleus companies do not abuse their dominant position and continue to provide fair opportunities for plasma farmers. Therefore, this study highlights the importance of strengthening oversight and enforcing regulations so that the objectives of nucleus-plasma partnerships in palm oil plantations can truly be realized in accordance with the principles mandated by law.

Mirwan Siagian; Herlina Hanum Harahap

Jurnal Begawan Hukum (JBH) 2025 Lembaga Pengabdian Masyarakat Universitas Ichsan Gorontalo

The abuse of narcotics in Indonesia has become a serious threat to public health and social order. In supporting law enforcement efforts against narcotics abuse cases, the role of the Police Medical and Health Division (Biddokkes) is crucial. Biddokkes is not only responsible for conducting medical and forensic examinations on suspects but also plays a key role in assessment and rehabilitation recommendations for drug addicts. The health law approach, which emphasizes recovery and the protection of human rights, serves as a vital framework in addressing these cases. This study aims to analyze the role of Biddokkes in supporting law enforcement processes against narcotics abuse and to examine how health law can be applied in this context. The research uses a normative-empirical method with primary and secondary data obtained through document studies, interviews, and field observations within Biddokkes of the North Sumatra Regional Police. The results show that Biddokkes plays a strategic role in legal proceedings, including conducting medical examinations, issuing visum et repertum, toxicology testing, and clinical assessments that determine the legal status of suspects. The findings also indicate that medical examination results from Biddokkes serve as vital evidence in court and form the basis for recommending rehabilitation for drug users. However, challenges such as limited facilities, human resources, and pressure in forensic practices remain obstacles. Therefore, the integration of criminal law and health law approaches must be continuously strengthened to establish a fair, humane, and recovery-based legal enforcement system.

Adil Alfarizi Nst; Imsar Imsar

Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study employs a qualitative library research method with the aim of analyzing fiqh muamalah in the practice of online buying and selling transactions from the perspective of Islamic law and sharia. The development of digital technology has given rise to various new models of transactions that require Islamic law to remain adaptive and relevant. Online trade is one form of contemporary muamalah that raises several issues, such as the validity of contracts, price transparency, clarity of goods, and the potential for fraud. In fiqh muamalah, the validity of a sale and purchase contract is determined by the fulfillment of its pillars and conditions, namely the presence of contracting parties, a clearly defined object of transaction, and a legitimate agreement. The findings indicate that online buying and selling transactions are valid as long as they comply with sharia principles such as justice, transparency of information, clarity of goods, and the absence of gharar (uncertainty), maysir (gambling), or riba (usury). Thus, Islamic law does not reject technological innovation as long as the substance of the contract remains in line with sharia. This research emphasizes that fiqh muamalah is capable of providing practical and relevant solutions in addressing the challenges of the modern digital economy.  

Andy Sulaiman Siregar; Arfiany Marina Nasution; Muhammad Natsir Ilvira

Jurnal Kesehatan dan Kedokteran 2025 Lembaga Pengembangan Kinerja Dosen

Vitamin A Deficiency (VAD) and iron deficiency anemia (IDA) are global nutritional issues affecting children, particularly in developing countries. The interaction between these two conditions can lead to a more complex condition known as Vitamin A Deficiency Anemia (VADA). This study aims to review the molecular relationship between Vitamin A deficiency and iron metabolism leading to VADA, as well as its impact on children's health. The methodology used in this article is a literature review of various clinical studies, epidemiological research, and relevant molecular experiments. The results show that VADA is primarily a functional iron deficiency, where iron absorption is impaired despite overall body iron levels not being critically low. This mechanism involves the regulation of hepcidin, redistribution of iron, and its effects on erythropoiesis. Additionally, therapy with Vitamin A supplementation has been shown to increase erythropoietin and hemoglobin production in children with dual deficiencies. The implications of these findings highlight the need for more integrated therapeutic strategies that consider both Vitamin A and iron status simultaneously. Further research is needed to understand the molecular mechanisms more deeply involved in this interaction and to develop more effective therapies for children with VADA.

Adil Alfarizi Nst; Imsar Imsar

Kajian Ekonomi dan Akuntansi Terapan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study investigates the differences in customer satisfaction levels toward the services of Bank Syariah Indonesia by employing a nonparametric statistical approach. Customer satisfaction is a critical benchmark in Islamic banking, as it not only reflects the quality of services but also the extent to which sharia compliance is embedded in financial practices. Given that satisfaction data are generally ordinal and may not fulfill the assumptions of normal distribution, nonparametric methods such as the Kruskal-Wallis and Mann-Whitney tests were selected as the primary analytical tools. This research adopts a qualitative library-based method by reviewing relevant literature, scientific articles, and previous empirical studies to construct a comprehensive understanding of customer satisfaction measurement within Islamic banking. The findings highlight that variations in satisfaction are influenced by multiple factors, including service speed, staff friendliness, accessibility of digital platforms, and clarity of sharia principles applied in daily operations. Results further suggest that demographic characteristics and service usage frequency significantly shape satisfaction differences across customer groups. Theoretically, this study enriches the body of knowledge on the application of nonparametric statistics in Islamic banking research, while practically, it provides actionable insights for Bank Syariah Indonesia in formulating adaptive service strategies. These contributions are expected to assist the bank in strengthening customer loyalty, enhancing competitiveness, and sustaining growth in the dynamic modern banking industry. Theoretically, this study enriches the body of knowledge on the application of nonparametric statistics in Islamic banking research, while practically, it provides actionable insights for Bank Syariah Indonesia in formulating adaptive service strategies. These contributions are expected to assist the bank in strengthening customer loyalty, enhancing competitiveness, and sustaining growth in the dynamic modern banking industry.  

Wulandari, Sri Hariani Eko; Erstiawan, Martinus Sony

Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

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