Publication Search

A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

The problem in this research is whether the application of role playing techniques through group guidance is effective in increasing the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki for the 2023/2024 academic year? The aim of this research is to determine the effectiveness of applying role playing techniques through group guidance to increase the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki Kupang 2023/2024 academic year The method used in this research is quantitative descriptive using pre-experimental design (one-group pretest-posttest design). The instruments used in this research were a self-esteem questionnaire and guidelines for implementing role playing techniques. The data analysis technique uses the t test formula. The results of data analysis show that the t_count value is 33.4268, while the t_table value at the 5% significance level is 2.132. Thus, the t_count>t_table value, this shows that the role playing technique through group guidance is effective in increasing the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki Kupang 2023/2024 academic year. Based on the results of this research, the researcher provides suggestions to: 1) The Principal is expected to further increase collaboration with Guidance and Counseling teachers in the implementation of role playing techniques through group guidance in order to help increase students' self-esteem. 2) Guidance and Counseling Teachers are expected to continuously carry out activities applying role playing techniques through group guidance to increase students' self-esteem. 3) Students are expected to actively participate in participating in activities applying role playing techniques through group guidance to increased self-esteem.

The problem in this research is whether the application of role playing techniques through group guidance is effective in increasing the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki for the 2023/2024 academic year? The aim of this research is to determine the effectiveness of applying role playing techniques through group guidance to increase the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki Kupang 2023/2024 academic year The method used in this research is quantitative descriptive using pre-experimental design (one-group pretest-posttest design). The instruments used in this research were a self-esteem questionnaire and guidelines for implementing role playing techniques. The data analysis technique uses the t test formula. The results of data analysis show that the t_count value is 33.4268, while the t_table value at the 5% significance level is 2.132. Thus, the t_count>t_table value, this shows that the role playing technique through group guidance is effective in increasing the self-esteem of class IX A students at SMPK St. Yoseph Noelbaki Kupang 2023/2024 academic year. Based on the results of this research, the researcher provides suggestions to: 1) The Principal is expected to further increase collaboration with Guidance and Counseling teachers in the implementation of role playing techniques through group guidance in order to help increase students' self-esteem. 2) Guidance and Counseling Teachers are expected to continuously carry out activities applying role playing techniques through group guidance to increase students' self-esteem. 3) Students are expected to actively participate in participating in activities applying role playing techniques through group guidance to increased self-esteem.

The role of PT. TASPEN in serving the authentication application system for pension fund recipients in Medan City is very important, this is because in its implementation there are still several problems that become obstacles, namely related to human resources (HR) who have difficulty using the authentication application due to age and the lack of application system servers. so that when used simultaneously errors often occur. This research aims to analyze and describe how the process of digitizing pension payment services through the Taspen Authentication application at PT. Taspen (Persero) KCU Medan and the obstacles that occur in servicing the application. The method used in this research is qualitative with a descriptive approach. This research uses role theory, e-government, and public policy. Research data was obtained from literature and previous research. The results of this research show that PT. TASPEN plays a very important role in serving the pension fund authentication application system and that PT. TASPEN's role is very effective in implementing the Taspen authentication application system. It's just that there are several obstacles, namely the human resources (HR) of retired participants as application users who have difficulty using the application due to age and lack of evaluation in handling obstacles that are often encountered due to the use of authentication applications such as application system errors occurring when used simultaneously.  

Background: Osteoarthritis is a degenerative disorder that occurs in the articular cartilage characterized by reduced synovial joints, the formation of osteophytes, damage to the ligaments and changes in the bones. The cause of osteoarthritis in the area of Puskesmas Banyuanyar is 46% of the population in one card families still have families who smoke and as much as 22% of people do not do physical activity due to the busy and physical condition. Objective: This investigation was carried out in an effort to improve knowledge on the case of osteoarthritis in the area of Puskesmas Banyuanyar. Method: This activity is a form of dissemination using leaflet media. To find out the results of improved understanding researchers conduct evaluations of pre-implementation and post-implementation. Results: Public dedication through this method of dissemination resulted in increased knowledge in the case of osteoarthritis from the average value of knowledge of 4,4% to 97,6%. Conclusion: Based on the results of the implementation of public service activities such as efforts to improve knowledge in case of osteoartritis, there was an increase in knowledge in PKK community

Al-Qur'an education in Indonesia, as a majority Muslim community, should receive primary attention. However, the reality on the ground shows that Al-Qur'an teaching does not receive adequate time allocation in the curriculum, causing many students to have difficulty reading and writing the Qur'an. The Al-Qur'an Reading and Writing (BTQ) program using the tahsin tutoring method is a solution with a significant impact that can be felt. This research uses the PAR (Participatory Action Research) research method, which is defined as researchers participating and taking action directly in community service activities. This research is a Community Service Activity which aims to help students and teachers at SDN Wanawali overcome the problem of learning the Al-Qur'an. Using the Tahsin Tutoring method, as part of the Al-Qur'an Reading and Writing Program. This research includes the stages of location survey, observation, planning, implementation and evaluation. The subjects of this research were students in grades 5 and 6 of SDN Wanawali, Cibatu District, Purwakarta Regency, starting on 16 – 23 February 2024. The research results showed that Tahsin Tutoring activities succeeded in increasing students' enthusiasm in learning to read, write and memorize the Al-Qur'an. The Iqra book sorogan method, short surah reading tests, and memorization quizzes provide an interactive and interesting learning experience. Grade 5 and 6 students showed improvements in Al-Qur'an skills, while PAIBP teachers at SDN Wanawali became more creative in delivering learning material.

This research is about the implementation of P5 (Strengthening the Profile of Pancasila Student Project) at MI Ikhlasiyah Palembang. This study is a field research with a qualitative descriptive approach. Data collection methods include interviews, observations, and documentation. Data analysis techniques involve data collection, data presentation, verification, and conclusion drawing. Based on the results and discussions, the implementation of P5 at MI Ikhlasiyah Palembang has been carried out well through various learning activities with the aim of strengthening the Pancasila student profile and increasing knowledge and application of Pancasila ideals for students. In its implementation, students will participate in social activities related to the Pancasila ideals and receive comprehensive understanding of the Pancasila principles. This implementation can also improve the attitudes and behaviors of children.

The Occupational Safety and Health Management System (SMK3) is part of the company's management system in general which aims to control risks associated with work activities in order to create a safe, efficient and productive work environment. PP RI Number 50 of 2012 issued regulations regarding the Implementation of the Occupational Safety and Health Regulatory System, and Article 5 of the Law requires every company to implement SPK3 in their company, especially for companies that employ a minimum of 100 (one hundred) workers/laborers or have a high level of potential hazard. Hot work Permit System is a system of written permission to do work that generates heat sources. This study aims to determine the implementation of SMK3 with hot work system management as fire and explosion prevention at PT. XYZ, Indramayu. It is recommended for companies to strengthen the application of safety culture by implementing a hot work permit system, organizing training for welding workers, and conducting socialization regarding standard operating procedures (SOP) in work behavior for all workers.

The implementation of the Independent Curriculum in Indonesia has encouraged various innovations in learning methods, including in the Fiqh subject at the Madrasah Tsanawiyah level. The cooperative learning model is one approach that is considered effective in improving conceptual understanding, students' application skills, and supporting the strengthening of the Pancasila Student Profile. This study aims to examine the implementation of the cooperative learning model in the Fiqh subject at MTs Al Jihadiyah, with a focus on challenges, supporting factors, and its impact on student learning outcomes. The method used is a qualitative approach with a case study design. Data collection techniques include participatory observation, in-depth interviews with teachers and students, and analysis of learning documents. Data were analyzed thematically with triangulation techniques to ensure the validity of the findings. The results of the study indicate that the implementation of the cooperative learning model is able to increase student active involvement and understanding of the Fiqh material. Some of the challenges faced include limited learning time and differences in student abilities. The supporting factors for the success of the implementation of this model include support from the school and training for teachers. Other positive impacts are seen in improving students' application skills in daily life and strengthening character according to the dimensions of the Pancasila Student Profile, especially in the aspects of collaboration and critical thinking.

The development of ICT has an impact on the education sector. In Indonesia itself, the development of ICT is not balanced with literacy and numeracy skills. There needs to be follow-up on the low literacy and numeracy skills of students. Follow-up should not only focus on student abilities, but should also be teacher-centered. PGSD Study Program, STKIP Kusuma Negara, through the Field Work Lecture (KKL) course, implements the tri dharma of higher education, namely Community Service (PKM) in the form of a national webinar with the theme My Teacher, My Hero - Literacy and Numeracy in the Digital Era for Elementary School Teachers. PKM implementation goes through 3 stages, namely pre-preparation, implementation and post-implementation stages. The training was conducted with 2 resource persons and attended by 268 participants who were elementary school teachers and students from all over Indonesia.

Education is an important thing in human life. Every individual develops well through education. Education makes many contributions for every individual in developing their humanity. The achievement of the lofty goals of education may be hampered if the implementation of education is not managed professionally. Apart from that, education may be held far from the spirit of truth and applicable ethical norms. In this context, the role of administrative philosophy is needed to direct the parties involved in the implementation of education to explore and discover the deepest goals of education. Since the proclamation, the Indonesian nation has had the Pancasila philosophy which is the basis of the state as well as the basis of national education. Pancasila has been used as a guideline in making national education policies in general and in renewing the content of education in particular. This means that the direction of planning, policy and implementation of education should lead to the goals as outlined by the 1945 Constitution and Pancasila as the basis of national education.

Böwö marriage of the Nias tribe is generally interpreted as sumange (giving awards). Böwö is masi-masi/hele-hele dödö Zatua khö nono nia ono alawe (giving affection/proof of the bride's parents' love at the time of marriage). Böwö determines the agreement for the implementation of a marriage. This can take the form of money, gold and other trinkets. The aim is as a form of humanizing humans through love and living prosperously in the family. However, the current application of Böwö is contrary to the true meaning of Böwö. Recently, Böwö in Nias society has experienced a change in meaning and even received a meaning that is contrary to its true meaning. There is a decline in Böwö's understanding which leads to a materialistic aspect. Böwö became honest too expensive. Therefore, it is necessary to investigate why there is a change in the implementation of Böwö. This research specifically seeks to determine the understanding of Böwö Nias ethnic marriages on the basis of Catholic Church marriages using qualitative research which uses three data collection techniques, namely, observation, interviews and documentation. From the researcher's observations, it was found that the Böwö marriage of the Nias tribe is known and is still carried out in social life. Through interviews with informants, researchers found that in the implementation of the Böwö traditional Nias marriage, its meaning had decreased. The reality on the ground shows that some Nias people experience poverty because Böwö is too expensive. Böwö is no longer an expression of love. The informants wanted Böwö to be restored to its true meaning as masi-masi (proof of love). For this reason, it is necessary to simplify Böwö on the basis of Catholic Church marriage. This needs to be socialized to Catholics so that they truly understand and are able to practice it according to the true meaning of Böwö.  

The development of interactive learning media is the key to creating quality students. Canva as design application is an effective tool in creating interactive learning media in schools. KKN activities at SMPN 32 Surabaya aim to develop students' creativity through the Canva application to create a creative and innovative generation and realize responsive learning. The activity was held on Thursday 30 November 2023 involving 30 participants from class 7E of SMPN 32 Surabaya. Activities are carried out using a participatory method with 3 implementation stages, namely program planning, program implementation and program assessment. The results of this activity received a positive response with a satisfaction level reaching 78%. Survey results show that 70% of participants will use Canva as a learning medium and 53% of participants will use Canva as a tool to develop creativity.

In the current digital era, understanding the nature of adolescents becomes crucial considering the influence of technology affecting their character development. The formation of identity and life purpose in adolescents is influenced by social environment and the Christian values they adopt. The implementation of Quizizz application in teaching at GBI Pelita Imanuel provides an enjoyable interactive experience for students, yet it also demonstrates some limitations, particularly in character development. Evaluation indicates improvement in subject understanding, but additional activities are still needed to strengthen character aspects. Although Quizizz offers benefits in student interaction and comprehension, it should be noted that Christian religious education involves character aspects not fully accommodated by the interactive quiz format. Therefore, a holistic and diverse approach to teaching is still required to develop deep Christian character in adolescents.

This study aims to analyze the effectiveness of using Accurate in managing cash expenditures at PT Graha Mukti Indah, which is engaged in property development. Good cash expenditure management is very important so that companies are able to maintain liquidity and financial stability in the long term. The research method used is descriptive qualitative with a case study approach. Data was obtained through direct observation of the system used, interviews with finance staff, and documentation of cash expenditure transactions. The results show that Accurate is able to increase time efficiency in recording, reduce the level of human error, and provide real-time cash reports that can be used as a basis for managerial decision making. This finding implies that digitizing the financial system through the use of accounting software can be a relevant strategy for similar companies to improve transparency, accuracy, and the overall quality of financial decision making. Overall, the implementation of Accurate has proven to be an effective solution for improving cash expenditure management at PT Graha Mukti Indah, and its successful integration could serve as a model for other property development companies seeking to enhance their financial management practices.  

This research explores the role of Maqāṣid al-Sharīʿah in modern governance systems, focusing on its application to contemporary issues in Muslim-majority societies. The study examines the challenges posed by traditional Islamic jurisprudence and its rigidity in addressing evolving social, political, and economic conditions. Specifically, it aims to assess how Maqāṣid al-Sharīʿah can enhance governance by promoting justice, public welfare, and the protection of rights, as well as offering an adaptable framework for legal reforms. The research employs a comparative literature review and thematic analysis, examining classical and contemporary texts to identify key themes related to the integration of Maqāṣid into governance. The main findings suggest that Maqāṣid al-Sharīʿah provides a more flexible and responsive legal framework compared to traditional textual fiqh, especially in the context of modern governance challenges such as human rights, social justice, and public welfare. The study concludes that integrating Maqāṣid principles into contemporary Islamic governance can lead to more equitable and effective systems, enhancing social cohesion, economic stability, and the protection of human rights. Future research could explore specific case studies of Maqāṣid implementation in various governance contexts to further understand its practical applications.

In addition to describing the progress and challenges faced byThe Family Hope Program (PKH), this paper also aims to explain the theoretical basis of social protection programs that under lie PKH. This paper was based ona series ofdirect observation combined with a desk reviewof the CCT implementation unit level and regional centers as well as afocus group discussion with partners/facilitator in the field, experts of PKH, area coordinator, regional coordinator and RTSM beneficiaries. This study showed that the CCT provide significants up port for Very Poor Households, “Rumah Tangga Sangat Miskin”(RTSM) in order not to”produce” the next generation who were malnourishedand uneducated. The program alsogave an opportunity for scholars working in the area to engage in these activities. Until 2012, PKH absorbed nearly 10,000 young workforceas mentors, operators, area coordinators from higher education graduates.

Raba Ege Village is one of the villages located in the sub-district of West Wewa, Southwest Sumba Regency. This is where the community service activities are held. Based on the results of observations and surveys conducted, it turns out that children in Raba Ege village still lack understanding and knowledge in Indonesian. As a result of this problem, children in Raba Ege village are very embarrassed when they meet people from outside Sumba (migrants). As a form of responsibility and concern, this community service is present as an answer to these needs. The goal is that children in raba ege village can become individuals who are responsible for themselves and help children in raba ege village to be able to communicate using Indonesian. The implementation of this community service uses the method of translators, sign language, surveys, discussions, and is supported by literature studies. The results obtained from this effort are that children in Raba Ege village can communicate (speak) using good and correct Indonesian.

The execution of the rehabilitation of military prisoners is carried out through a communicative and accommodating approach, involving direct interaction between officers and military prisoners via counseling or interviews. This aims to listen, accept, discover, regulate emotions, strengthen spirituality, and resolve personal and official issues while fostering dedication, sincerity, responsibility, and loyalty within the Indonesian National Armed Forces environment. The objective of this study is to demonstrate the existing challenges in implementing military prisoner development that need to be addressed and overcome. In this study, the author applied qualitative research employing a descriptive approach to systematically, factually, and promptly gather data in line with the research’s context. The findings of this study demonstrated that the success of rehabilitating military prisoners in military correctional institutions is not solely within the responsibility of the Center for Military Correctional Institutions and the Military Correctional Institution itself. It is also affected by external factors, including the attention and moral support offered by the unit commander from the origin place of the military prisoners. This influence aims to facilitate military prisoners’ transformation into soldiers embodying Sapta Marga values, ensuring their readiness for forthcoming unit responsibilities.

A teaching program is a plan for implementing the teaching and learning process which is based on consideration of the objectives to be achieved, materials, methods, tools, time allocation and evaluation so that students master the learning process and have optimal learning outcomes. Wordwall is an interactive media that provides features to foster student learning motivation according to the learning material presented by the teacher in class. Word wall media provides features such as quizzes, matching, pairing, anagrams, random words, word searches, grouping. The PkM (Community Service) Lecture Program with the title "Using the Wordwall Website as a Learning Media to Increase Student Learning Motivation at Bima Utomo BS Vocational School" is carried out by prioritizing how to use the wordwall website, especially for teachers or teaching staff at Bima Utomo BS Vocational School with the main aim increase student learning motivation and make it easier for teachers to deliver learning material. The results of the implementation of Community Service at BIMA UTOMO BS Vocational School, Sidodadi Village, Batang Kuis District, Deli Serdang Regency, North Sumatra which was carried out from February 5 - February 27 2024, the team was able to adapt well so that a cooperative relationship was established between the school, students and students, teachers are able to use wordwall media as an interactive learning media for the continuity of teaching and learning activities, socialize the use of wordwall media as an interactive learning media, provide contributions in the form of assistance to the school regarding administration and students feel motivated by the existence of interactive learning media.