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Christian Religious Education Lessons on the formation of a person’s character is a very serous thing to be improved and fostered. The example of a Christian’s life will be even more important if that person can bring a very good Christian life and be able to implement his faith in the midst of his own social life. Christian religious education must be seriously improved, because it is related and is an intergal (whole) part in the development and improvement of human life as a whole. Which is assigned to every human being as God’s representative in proclaiming the Word of Truth in the midst of the world. Someone who has studied Christian education well is able to show positive behavior (good character), has different strengths in his actions. He has healthy ideas, faith, hope and optimism. Positive ideas emanate from his mind, as well as the law of attraction, where positive results will be attracted to people who think positively. Realization of Christian Religious Education is said to be isgnificant because it is beneficial in increasing the formation of good character and having a positive self-concept. So thus someone will appear confident with all the capabilities and wholeness owned.

The development of housing credit provided by the North Lampung Matrix Housing Developer sometimes gives rise to bad credit problems, where the realization of the credit provided does not reach the predetermined target. This can affect North Lampung Matrix Housing activities and impact developer accountability. What is the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung? The research results show that the developer's responsibility for credit in accordance with Law Number 1 of 2011 concerning Housing and Settlement Areas at Matrix Housing in North Lampung includes the obligation to collect debtors who experience problematic credit who collaborate with the developer. North Lampung Matrix Housing Partners Bank, basically this obligation has not been specifically regulated in the banking law and still uses general rules such as the Banking Law, Civil Code and Law Number 40 of 2007 concerning Limited Liability Companies. The absence of special "lex specialis" regulations is a weakness in responsibility when bad credit occurs. All components of North Lampung Matrix Housing have juridical responsibility for all operational activities. Resolving problem loans at Matrix Housing in North Lampung can be done in two ways, namely litigation efforts through the courts and non-litigation efforts through preventive measures such as anticipating the emergence of bad credit, early warning and negotiation.

The background to this creation is that traditional motifs no longer receive much attention from society. In North Sumatra, these motifs are rarely applied to the walls of office buildings and people's homes, especially in urban areas. Entering the modern era has resulted in people participating in following trends that are increasingly developing. This creation aims to find out the process of creating written batik works with the Sekar Jagad North Sumatra motif and to find out the results of creating written batik works with the Sekar Jagad North Sumatra motif. This creation uses a method consisting of five stages of creating works of art, namely: preparation, elaboration, synthesis, concept realization, and completion. The result of this creation is the batik wall decoration work of Sekar Jagad North Sumatra, consisting of 12 batik works. This written batik work uses the dabbing technique with remasol dye. North Sumatra motifs are used as the main motifs in written batik works by applying the Sekar Jagad batik pattern.  

This writing aims to examine the position and influence of the presence of Artificial Intelligence in the formation of legislation as well as the crucial role of implementing the use of Artificial Intelligence in legislative processes. The research method employed by the author is normative juridical research using data collection techniques through document studies on secondary data. The results of this writing indicate that Artificial Intelligence is a form of progress that can assist and simplify human work. However, its use must be limited by specific regulations to regulate and minimize potential threats or negative impacts. Additionally, Artificial Intelligence is limited to being a tool or supporting assistant in the legislative process. If Artificial Intelligence were to be considered a subject capable of shaping legislation, it would be nearly impossible to implement. This is due to legislation being rules derived from norms that evolve in society and are dynamic. In the end, Artificial Intelligence remains limited to providing assistance to human beings. And the realization of the use of Artificial Intelligence in the realm of law has occurred in Indonesia as well as other countries such as Singapore, China, Estonia and also the United States. These countries have utilized Artificial Intelligence in the realm of law, especially in its use as a tool for the formation of legislation.

This research employs a qualitative approach to explore the revenue realization of fruit traders at the Ciputat Market, South Tangerang City. Primary data was obtained through interviews with five fruit traders over a period of two months. The results indicate an average monthly income of Rp16.107.600 with expenditures of Rp7.610.000, resulting in an average net profit of Rp2.219.000. The analysis of the income-expenditure ratio indicates good business sustainability (R/C Ratio = 1.06). Findings also identify factors such as price fluctuations and seasons that affect outcomes. Nevertheless, fruit traders at the Ciputat Market have the potential to optimize their income with more effective pricing strategies.

The purpose of this research is to analyze the supervision of the village consultative body on village financial governance, in Hadakewa Village, Lebatukan District, Lembata Regency. This research uses empirical legal research methods sourced from data obtained directly in the form of opinions from respondents, namely the Village Head, Village Secretary, Village Finance Clerk, Community Leaders, Hadakewa Village Consultative Body. The results showed that (1) the accountability of the Hadakewa village government regarding the management of village funds has a form of transparency with the village fund realization report. This report is not only submitted to the district / city government but also to the community and the Village Consultative Body which acts as a supervisor of the use of the Village Fund. Thus, this action reflects the Village's commitment to implementing the principles of accountability and transparency in the management of the Village Fund (2) shows that the implementation of financial governance supervision based on management principles is running well and all reports on the use of village funds are carefully recorded and reported from village officials to the Village Consultative Body.

This research aims to determine the analysis of cost and revenue budget realization at Bintang Jaya Rental store. This study employs a quantitative descriptive method. Data collection is conducted through surveys and statistical data analysis to provide an overview or description of the researched object. Budget analysis of expenditure and revenue is the focal point in achieving company success. The research utilizes expenditure effectiveness and efficiency ratios and employs profitability ratio analysis, namely net profit margin ratio. The results and findings of the research indicate that the effectiveness analysis of Bintang Jaya Rental store revenue budget from January to April shows 126.89% (Highly Effective), and the revenue projection for April is 124.79% (Highly Effective). Revenue increases occur during holiday seasons and peak travel periods, leading to a significant increase in car rental demand. The efficiency analysis of cost budget in January and April shows similar results above 90%. Costs are primarily attributed to maintenance, fuel, and driver expenses. Profitability analysis indicates a profit-to-expenditure ratio of 53.84% in January. In April, the average profit level is 50%, influenced by external factors.

The rapid advancement of science and technology in the global era is currently felt in various fields of community life, especially in the fields of education, social and culture, including in boarding school education. In order to face the demands of society, community educational institutions including Islamic boarding schools must be functional, because educational institutions as a forum in society can be used as a gateway in facing the demands of society, science and technology that continue to change. Therefore, in order to become an ideal boarding school, it is necessary to organize the management and development of the boarding school. Islamic boarding school as one of the educational institutions that combines these three aspects, not only emphasizes the cognitive intelligence aspect, but also emphasizes the affective and psychomotor aspects, namely by teaching values and norms in accordance with Islamic law and equipping students with various skills (life skills). The development of management and management of education at PPMI Assalam consists of management elements including man, money, material, method, macine, and market. While the realization steps in order to implement the program are planning, organizing, implementing, and monitoring.

This research aims to determine accountability in managing the 2022 Village Revenue and Expenditure Budget (APBdes) in Pulau Birandang Village. This research was conducted to see the accountability of the APBdes which is accountable, transparent and participatory by the government of Pulau Birandang Village, Kampa District, Kampar Regency, Riau. This research method uses a qualitative method with a descriptive approach. This research uses secondary and primary data, primary data is carried out by interviews, observation and documentation. Meanwhile, secondary data comes from literature studies, scientific journals and other sources. The results of this research show that accountability in the management of the Birandang Island Village Revenue and Expenditure Budget from the planning, implementation and accountability stages is in accordance with the principles of accountability, namely, accountability, transparency and community participation. Reporting and accountability for the village income and expenditure budget in Pulau Birandang village is one of the important stages where the performance report of the Pulau Birandang village government in accounting for village finances is proven by the semester report and final report on implementation realization. The contents of the report on the realization of the implementation of the regional budget program in Birandang Island village are in accordance with the previously planned implementation. In order to account for the use of APBdes funds, the village government makes announcements on billboards or banners containing the APBdes implementation program and its nominal amount.

The utilization of technology in public services promises effectiveness and efficiency to help all lines of human work because it can speed up the work process. all lines of human work because it can speed up the work process carried out. The realization of egovernment can be realized as one form of technology utilization in the public service sector. The M-Passport application is one of the implementations of e-government in the field of immigration. The implementation of the M-passport application will be reviewed for effectiveness whether it can realize the effectiveness of e-government services. effectiveness in e-government services to the community. This can be seen from the implementation of the application passport application that is getting easier and faster with the help of technology and technology and systems that exist in the M-Passport Application. This also supports the implementation of egovernment-based public services and helps oversee social distancing policies during the Covid-19 pandemic in Indonesia so that we can continue to provide optimal immigration services

This research is entitled Water Governance on Optimizing Clean Water Distribution to Meet Community Needs in Lembur Village, Komba City District, East Manggarai Regency. The purpose of this study is to find out the water governance process in Lembur Village. The method used in this study is a qualitative method. This study examines water governance on community needs using 3 important aspects, namely, the content layer, the institutional layer and the relationship layer. The results of the study show that the implementation of water governance in terms of the content layer is constrained in providing ineffective information, especially during the delivery of program work and policy making, officer training only occurs during National Programs such as PPIP and PAMSIMAS, while those managed by villages do not conduct training due to budget shortages, and policy strategies that are not optimal cause some people to not get clean water supply, but in the aspect of the institutional layer from the organizational side, there has been a division of roles and responsibilities, there is a strict structure and supervision, but there is a miscommunication between the overtime village government and clean water officers, even from the aspect of financing, budget realization that is not in line with the results in the field, then in the aspect of the relationship layer on the participation side,  The community is not involved in the completion of clean water work and deliberately dismantles the pipes that have been worked. Financial alkalization and decision-making are not transparent and communication between the government and the community is not effective.

PKK is an abbreviation for Family Empowerment and Welfare, a national movement in community development that grows from, by and for the community towards the realization of a healthy, prosperous family, environmental awareness, faith and devotion to God Almighty. Based on the results of interviews and observations carried out by the community service team, it is known that various problems exist within the Pondok Rajeg Residence PKK, that so far, Pondok Rajeg Residence PKK members are still experiencing difficulties in carrying out innovations in entrepreneurship. Pondok Rajeg Residence PKK members are still doing it manually to view profiles. and menus for sale. Therefore, the team proposing community service considers it necessary to provide understanding in the introduction and use of Radio Frequency and Near Field Communication in order to make it easier for administrators and members to provide entrepreneurial services to the PKK Pondok Rajeg Residence.

The regulation of the pesantren education system provides a legal guarantee for the continuity of pesantren education in Indonesia. The regulation is expected to be an instrument in realizing superior human beings. Research on the regulatory function of pesantren aims to find out more about the regulation of pesantren. The regulation is dissected to find how the pesantren regulation regulates the entire education system that takes place in the pesantren and then looks for the relationship between the correct regulation and the realization of superior human beings. Using a juridical-normative research approach, this research tries to comprehensively analyze Law No. 18/2019 on Pesantren. Law No. 18/2019 on Pesantren has regulated in detail how pesantren are organized. Equipped with the Regulation of the Minister of Religious Affairs of the Republic of Indonesia Number 30 of 2020 concerning the Establishment and Implementation of Islamic Boarding Schools and the Regulation of the Minister of Religious Affairs of the Republic of Indonesia Number 31 of 2020 concerning Islamic Boarding School Education, the series of arrangements then work in harmony to oversee the running of Islamic boarding schools which then produce generations of superior humans.      

This research aims to examine the influence of Regional Original Income, General Allocation Funds and Special Allocation Funds on Regional Government Financial Performance. Using 38 samples of Regional Revenue and Expenditure Budget Realization Reports (APBD) for Regency/City Regional Governments in East Java Province for the 2020-2022 period which have been officially published and audited by the East Java Province Representative Financial Audit Agency (BPK Jatim). Testing was carried out using multiple regression. The test results prove that Regional Original Income has an influence on Regional Government Financial Performance. General Allocation Funds and Special Allocation Funds have no effect on Regional Government Financial Performance.

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.

Village Government is required to be transparent and informative regarding every realization of APBDes implementation. To provide information and ensure ease of obtaining information, a supporting information system is needed, namely an accounting information system. An accounting information system can be said to be effective depending on the ease of the system and the use of the system by its users. This research has a problem formulation, namely how is the accounting information system in the management and accountability of APBDes in the Cinta Makmur village government, is the accounting information system in the management and accountability of APBDes implemented? by the Cinta Makmur Village government has been running effectively, and what are the obstacles and efforts in the accounting information system in the management and accountability of the APBDes implemented by the Cinta Makmur village government. The approach method used is descriptive qualitative to produce descriptive data in the form of written or spoken words from people and observed behavior. Based on the results of this research, the accounting information system in the Cinta Makmur village government is less effective. So it is recommended to the Cinta Makmur Village Government to provide further training for village officials regarding the preparation of APBDes reports and the implementation of accounting information systems in order to increase the effectiveness of implementing the accounting information system in Cinta Makmur Village.

The aim of this research is to help report users make decisions and show accountability for the use of resources. The Budget Realization Report offers information about financial conditions. The aim of this research is to evaluate the financial performance of the Tanjung Pura District Office using data from the 2019–2021 budget realization report. In public sector organizations, budgeting can help achieve accountability. The budget realization report shows the difference between the budget and its realization for a reporting period by providing an overview of the source, distribution and use of financial resources supervised by the local government. Efficacy and efficiency ratios are used in qualitative descriptive techniques. Interviews and scientific presentation of data, especially reports on regional income and expenditure budget achievements, were used to collect data from field research. Research findings show that the PAD revenue performance of 94.09% in 2019, 99.04% in 2020, and 100.7% in 2021 is effective. Likewise, the expenditure budget shows efficiency with a percentage of 78.91% in 2019, 63.79% in 2020, and 58.9% in 2021, all of which are in line with the goals to be achieved. To increase effectiveness and efficiency in the future, it is hoped that the Tanjung Pura District Office can continue to operate optimally, optimize the use of the budget wisely, and further review the benefits and budget allocations.

This research examines the effectiveness of regional formation based on Law Number 8 of 2023 in order to support regional autonomy in Indonesia. The phenomenon of large-scale regional formation is quite worrying considering that many proposals are colored by the self-interest of the local elites who support them. Regional formation has only become a commodity of "political business" by local elites. "Hijacking" or manipulation of the formation of this area ultimately gave rise to many conflicts and problems at the local level, both in the expansion area itself and in its parent area. The method used in this study is a library research method or approach. The results and discussion of the research are in accordance with the mandate of the 1945 Constitution, that Regional Governments have the authority to regulate and manage government affairs themselves according to the principles of autonomy and assistance duties. The granting of broad autonomy to regions is aimed at accelerating the realization of community welfare through improving services, empowerment and community participation.

This activity aims to complete the assignment of a real work study report (KKN) regarding community service." The realization is in the form of mutual cooperation in maintaining the cleanliness of neighborhood roads, cemeteries, mosques and public areas. Going directly into the field to carry out reciprocal collaboration with local communities is the research method applied. The following are the results of the activities carried out: picking up and sorting rubbish, cleaning grass, cleaning the surrounding environment, cleaning the mosque and surrounding roads, helping others, and helping local women in the kitchen. Students' contributions to society in carrying out social interests is one of the advantages of research. The photos and mutual cooperation efforts to provide assistance to the Hajoran village community are the results of this investigation.

The discussion of citizen participation in governance is not an entirely new one. Citizen participation is an important aspect of good governance, using its role as an integral part of human rights. Participation is able to encourage citizens to participate in giving consideration, supervision, and evaluation of the implementation of government. So that maladministration efforts can be prevented to a minimum. In this case, citizen involvement in government is the core of democratic life and the realization of the Sustainable Development Goals (SDGs). This research uses a qualitative approach with a literature review research method. This article explains the development of the meaning, implementation, and challenges faced by the development of citizen participation. Efforts that can be used to overcome obstacles to citizen participation are also discussed. This study shows that the development of participation is expected to increase citizen involvement to the maximum. In addition, this article also focuses on the need for meaningful citizen participation in realizing good governance.