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One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

This journal discusses the moral education of today's children from a Christian perspective. The term today's children in Indonesia is better known as Kids Age Now. Kids Age Now is actually an allusion to the unnatural behavior of today's children. Education that is distanced and moral is a series of basic moral principles and the virtues of attitudes and character that children must have and make habits from a beginner's time until they become obedient to God. This research is a library research with a literature study approach through reference sources, such as books, articles, journals, and other scientific sources used in the discussion of this research. To deal with the problems of Kids Age Now, morals that are sourced from the Bible and Christian youth activities are needed. The goal is that today's children become children who have good character and are commendable. Being a Christian youth with character and morals is not easy, because Christian youths with character and morals are youths whose behavior follows the teachings of Christ, have Bible-based morals, are able to be good Christian youths, and do the right things and what Christ wants.

Learning while playing, playing while learning is the principle of fun learning in PAUD. Early age at school is an effective age for developing various potentials that children have. This research is motivated by a problem, namely the application of the principle of playing while learning is still not optimal in developing multiple intelligences in early childhood. This study aims to stimulate children's brains in the long term, so that their memories are always filled with activities that give positive impressions and of course are fun for children, and to find out the Early Childhood Education (PAUD) teacher's feelings about the concept of playing while learning for early childhood. The purpose of playing is basically directed at developing children's multiple intelligences. The principle of playing while learning prioritizes playing activities rather than learning, meaning that learning activities in PAUD are more dominated by fun and exciting activities for children. The theoretical foundations in this study are: the concept of playing while learning, the notion of learning, the concept of PAUD learning, the concept of early childhood education. The approach method used in this study is a qualitative approach. The results of the study show that PAUD Dharma Bakti uses the method of playing while learning to increase the multiple intelligences of children. The conclusion of this study is that learning while playing is very effective to do. The theoretical foundations in this study are: the concept of playing while learning, the notion of learning, the concept of PAUD learning, the concept of early childhood education. The approach method used in this study is a qualitative approach. The results of the study show that PAUD Dharma Bakti uses the method of playing while learning to increase the multiple intelligences of children. The conclusion of this study is that learning while playing is very effective to do. The theoretical foundations in this study are: the concept of playing while learning, the notion of learning, the concept of PAUD learning, the concept of early childhood education. The approach method used in this study is a qualitative approach. The results of the study show that PAUD Dharma Bakti uses the method of playing while learning to increase the multiple intelligences of children. The conclusion of this study is that learning while playing is very effective to do.

Indonesia is one of the countries that has implemented the telex release process in the implementation of the transportation of goods by sea. Telex release is the process of digitizing the bill of lading because the delivery of the document is sent via email from the carrier to the sender. However, the regulations governing the operation of sea transportation in Indonesia have not explicitly accommodated telex releases, even though in practice telex releases have been used in the implementation of sea transportation in Indonesia. Efforts that can be made to optimize the use of telex releases are by accommodating the principles contained in international instruments related to sea transportation law, making rules and norms related to the use of telex releases, considering Indonesia's membership in international organizations in the field of sea transportation, and creating the process of organizing sea transportation in Indonesia becomes more effective and efficient through the use of telex releases.

Oculi trauma is one of the emergency cases in ophthalmology that happens often and usually can cause permanent vision loss. Traumatic hyphema is caused by blunt or penetrating injury and can accumulate blood mixed with aqueous humor in camera oculi anterior. Case report a 51-year-old male patient came to the hospital complaining of visual loss in his left eye after being hit by a rock. There was increasing intraocular pressure with blood in the camera oculi anterior, which may cause vision to decrease. The basic principles of the treatment in this patient are giving prophylaxis, decreasing intraocular pressure, and follow-up relating to the medication because complications such as secondary bleeding and infection may happen.    

The inclusive education program is an effort to carry out the mandate of the 1945 Constitution and eliminate discrimination in the education system in Indonesia. All children with various needs can sit and study together with other normal children in the same school. This study aims to identify forms of curriculum adaptation, especially in science subjects at SDN Gajahmungkur 02 Semarang City. This research uses a descriptive-qualitative approach with a case study method. This research was conducted in April-June 2022. The data collection technique used in this study used interviews and observation methods. The subject of the interview is a special supervising teacher at the school. Based on the results of interviews and observations, it is known that the curriculum adaptation implemented at SD N Gajahmungkur is viewed from the principles and dimensions of adaptation. The principles of attendance, participation, and achievement have been well realized in this school. In terms of the dimensions of curriculum adaptation, namely, curricular adaptation is reflected in the lesson plans accompanied by special notes and adjustment of learning indicators for children with special needs who are adapted to the 2013 curriculum, learning adaptation is reflected in the presence of a special supervisor teacher in the class even though there is only one. There is a special schedule arrangement so that Class teachers still have a significant role in implementing learning. Environmental adaptation has not been optimal because schools do not yet have accessibility for physically disabled people with wheelchairs. In terms of adjustment to science subjects, teachers have not made many adaptations or modifications for children with special needs.

Legal certainty can be reached by good and explicit principles in a legislation, as well as its application. Investment requires legal certainty as well. On April 26, 2007, the Investment Law No. 25 of 2007 was enacted. This legislation was enacted to replace Law No. 1 of 1967 on Foreign Investment and Law No. 6 of 1968 on Domestic Investment. There are eleven factors that serve as benchmarks for gauging a country's ease of doing business. One of the indications is related to the resolution of investment conflicts, or in this case, contract enforcement and bankruptcy proceedings. According to the Doing Business 2019 report, Indonesia ranks 73rd (seventy-three) in terms of ease of doing business. Indonesia's EoDB ranking remains distant from the aim of entering the world's top 40 (forty) ranks. This is due to the fact that, among other things, dispute resolution in Indonesia still has various issues, including basic regulations, the trial procedure, and decision implementation. Meanwhile, affordable, fast, and simple conflict resolution facilities are required in the corporate world (according to EoDB indications). The results of this descriptive analytical research utilizing a normative juridical approach reveal that there is no implementing regulation of Law Number 25 of 2007 concerning Investment, which focuses on discussing investment disputes, therefore there is no strong legal certainty in investing in Indonesia. Furthermore, there are several issues concerning the resolution of bankruptcy cases, some of which stem from regulations, namely Law Number 37 of 2004 concerning Bankruptcy and Postponement of Debt Payment Obligations, some of which can result in certain interests, the length of the bankruptcy court process, and legal certainty following the bankruptcy decision. A breakthrough or update that can support EoDB is required, one of which can be done in the field of investment dispute resolution, particularly connected to contract enforcement and bankruptcy case settlement, by creating implementing regulations and updating associated regulations.

Main Objective: The main objective of this study is to empower designers to collaborate with researchers in other disciplines — especially in the social sciences — by articulating a design inquiry model that can be implemented in a master's program in design. Background problems: Modern research problems are complex and design needs to be better integrated with the social sciences and play an equal role in addressing them. A final master's degree in design prepares students for this integration, but design activity should be evidence-based rather than viewed retrospectively as a form of research without change. We need to adapt to ultimately contribute to research. Novelty: There are main criteria for design-based inventions in this study, including value, relevance, novelty, focus, transferability, and practicality. When these criteria are met, investigations can operate within the social sciences, or they can be leveraged and serve as the discovery phase in evidence-based inquiry. Research Method: This study presents design-based discovery, a design inquiry model that places design in the theory development cycle as theory building, not theory testing. This research, therefore, uses a design inquiry model approach, (invention-based design) in other disciplines by articulating a design inquiry model that can be implemented in a master's program in design to be complementary and compatible with social science research. Finding/Result: A proposed design inquiry model with design exploration serving as the research discovery phase guiding the design activity to make specific contributions to areas of social science that are outside of design. It involves a careful process with six investigative components, all ultimately connecting the knowledge base beyond design to design exploration. Conclusion: This study proposes six main criteria for design-based inventions: value, relevance, novelty, focus, transferability, and practicality. In the model proposed in this study, the six investigative components are described and supported with examples. Notably, the investigative component includes a standardized format for research questions, as well as the derivation of design principles from processes that involve exploration rather than one that generates solutions. This model can easily be adopted in other master programs with the necessary resources. In addition, this model, if placed in design activities in evidence-based research practices, can become wider. There is no claim that a designer's self-reflection equates to a strictly social science method so design researchers must continue to study design and build on their knowledge of the discipline. Keywords: Design Thesis, Social Science, Postgraduate Thesis Design

The implementation of democracy in the management of public services is an important part that must be carried out by the bureaucracy. In its implementation, it must uphold democratic principles that are in line with the state constitution, namely freedom/equality, people's sovereignty, and open and responsible government. Better and more satisfying services for the community must be carried out by public service providers. The government's attitude is still inclined to only provide good services to certain people, who have the same political views and thoughts as the government. The paradigm of the management of the administration of the public service bureaucracy must be changed, which initially "regulates" the community to "serve" the community. because the public service bureaucracy is the main benchmark in assessing the performance of the central government and local governments in serving the community. Keywords: Bureaucratic Reform, Public Service, Democracy, Constitution.

This community service report reviews the concept of Jesus' Chief Executive Officer (CEO) in the context of modern management and its relevance to young Catholics. Through research and literature studies, we investigate how management principles such as leadership, decision-making, empowerment, and service reflected in the teachings and actions of Jesus can be applied in the daily lives of young Catholics. In modern management, which is often oriented towards material success, involving Jesus as the example of chief executives provides an alternative view that reinforces spiritual and ethical values in their decision-making and work. Using modern management principles inspired by the teachings of Jesus can provide guidance and inspiration for young Catholics as they build careers and serve others. In this context, Jesus' leadership, which is based on service, empowerment, and love, becomes a relevant model for young Catholics who wish to integrate the values of the Catholic faith into their professional world. This report provides new insights into how young Catholics can apply management principles that are morally and spiritually meaningful, and support their personal development as responsible public servants.

This study aims to investigate the impact of democratic parenting style, single parent resilience, school environment, and religious education on child character development. Through an exploratory approach, the research seeks to understand the intricate interplay between these factors and their effects on shaping children's character traits. The study employs purposive sampling to gather insights from diverse perspectives, including parents, educators, and religious leaders. Data analysis involves thematic coding to identify recurring patterns and themes within the narratives. Initial findings suggest that democratic parenting fosters independence and empathy in children, while single parent resilience contributes to resilience-building. Additionally, the school environment and religious education play significant roles in instilling moral values and ethical principles. These findings underscore the multifaceted nature of child character development and highlight the importance of considering various influences in nurturing well-rounded individuals.

Management of zakat funds requires an institution that handles it in a professional, trustworthy and accountable manner, starting at the central level to the regional level (read: at the lower level it is called UPZ). UPZ (Zakat Collector Unit) is an institution that collects as well as distributes or distributes zakat, formed and officially issued by the local regional BAZNAS. The purpose of its establishment is in accordance with the mandate of Law No.23 of 2011 concerning zakat, namely by becoming UPZ BAZNAS, UPZ operations have been standardized according to the principles of proper zakat management. The services provided by UPZ BAZNAS are more optimal with the authority to provide Evidence of Zakat Deposit (BSZ) printed by BAZNAS. The BSZ can be used as evidence that the zakat paid can be calculated as a deduction from taxable income (zakat as deductible items). One area in East Java in Gresik Regency, Dukun District, has formed a UPZ which is coordinated by the Dukun District UPZ Coordinator who oversees several UPZs, be it Village UPZ or Mosque UPZ and Taklim Assembly UPZ. The existence of the UPZ Coordinator is quite effective in coordinating the management of Zakat, Infaq and Shodaqoh (ZIS) for Muzakki (Zakat Givers), or Mustahik (Zakat Recipients) and Munfiq (Shodaqoh Givers). The potential of ZIS in Dukun Subdistrict, Gresik Regency is quite high, both from the trade, agriculture or animal husbandry sectors as well as from the professions through Professional Zakat. From the early 2017 formation of UPZ until 2021, there was a significant increase. From simply recording ZIS acquisitions to making direct deposits to BAZNAS Gresik, the nominal amount of potential starts from the acquisition of 800 million rupiah to more than 3.5 billion in 2021. This is none other than community participation after going through education and socialization from the Coordinator UPZ either through official or non-official forums such as Friday Khutbah, Tarawih Kultum or existing Taklim Assembly activities.

Green chemistry studies generally include effective concepts and approaches to prevent environmental pollution caused by toxic and hazardous chemical products and processes. Green chemistry based chemistry learning becomes one of the methods that can be used as an approach to prevent pollution caused by chemicals. Laboratory activities attempt to use the principle of green chemistry that can be done by reducing, eliminating or using toxic and hazardous chemicals used in an experiment to reduce levels of pollutants and waste volumes. As educators in the implementation of chemistry learning is expected to have the knowledge, insight, and skills in applying the principles of green chemistry.    

In choosing the right learning model, a teacher must pay attention to students' abilities and choose a learning model that can motivate them to learn and develop their potential so they can overcome problems in life. Problem-Based Learning is considered a learning model that can help students maximize their potential and develop skills in solving problems in everyday life. This study aims to critically analyze the application of problem-based learning models in the field of study of Islamic Religious Education. Through a literature study approach, this study focuses on a critical analysis of the basic concepts, principles, and procedures for applying the Problem-Based Learning method in learning Islamic Religious Education. The results of the research show that in order to implement PBL in the learning process, teachers should follow the procedures or implementation stages. The procedure for implementing PBL is divided into several steps, namely: problem orientation, organizing students to study (in groups), investigation or data collection, developing and presenting work results, and finally; evaluation and reflection.

The purpose of study to determine how the implementation of character education through the tahfidz in SD IT Ar-Rahman Purwakarta. This study uses descriptive qualitative methods with data collection techniques through interviews, observations, and documentation. The data analysis technique in this research in through data reduction, data presentation and data verification. The result of the study illustrates that: 1) The implementation of character education through the tahfidz program is carried out through exemplary principles through the drill method (repetition of readings), through habituation, through motivation, and good communication. 2) The forms of character developed tn the tahfidz program through the materials and methods of the tahfidz program in growing students awareness of the umportance of reading, memorizing, and practicing the Al-Qur'an in life. The obstacles faced by teachers in implementing character education include the lack of parental roles in monitoring the development of students and the lack of effectivenes in learning the tahfidz program. While the effort to overcome the obstacles and by teachers in implementing education is to provide motivation. Application of various methods and make student “Linking Book” effective.

Indonesia is currently facing various health and nutrition problems. Indonesia experiences a triple burden of nutritional problems, namely malnutrition, excess nutrition (obesity) and micronutrient deficiencies. To overcome this nutritional problem, it can be done by implementing balanced nutrition. Balanced nutrition is a daily food composition that contains nutrients in types and quantities that suit the body's needs, taking into account the principles of food diversity or variety, physical activity, cleanliness and ideal body weight.Objective: Service activities are carried out to increase knowledge about balanced nutrition, determine nutritional status, and as a training tool for nutrition students in providing nutrition and health education to the community. This activity is expected to increase knowledge of balanced nutrition for children and adolescents at the Qurrotu A'yun Batam Center Orphanage.Conclusion: This counseling activity was carried out at the Qurrotu A'yun Batam Center Orphanage, Batam City, which was attended by children and teenagers. The activity consisted of an opening led by a team of lecturers and continued by reading material presented by a team of lecturers and students. Then the moderator returned to the event for a question and answer session and continued with measuring nutritional status and providing snacks to posyandu participants.

This article to evaluate the implementation of Student Admission (PPDB) by Zoning System in achieving the vision of educational equality, a case study in the South Tambun Region. Initially, the government issued Permendikbud number 51 of 2018 regarding PPDB BY Zoning System to remove the stigma of favorite and non-favorite schools and facilitate supervision of students. This research uses a qualitative approach, then the concept from James S. Coleman through his book Equality of Educational Opportunity (1967) describes the principles and concepts of equality of educational opportunity distribution in numerous ways. Coleman's study is used to assess the availability of equality of educational opportunity for various groups of students in Indonesia through a zoning system that has a vision of social equality for the community. Based on the results of the study, the zoning system has been running procedurally. However, the goal of equality of educational opportunities is hampered by the limitation of the old value-oriented paradigm and the consequences of new inequalities.

This study aims to identify and analyze the visualization of the expression of the main character of the droid, namely Kabasaran in the digital comic Nusantara Droid War using a visual language approach through the wimba 4 method (illustration). Visual analysis includes elements and principles of visual language by classifying Kabasaran character expressions based on the suitability of the form language method. The results of the analysis show the depiction of expressions, using detailed line drawings and thin shading on the eyes, eyebrows, nose and mouth. The way of depiction in Kabasaran expression uses expressive depiction, distortion, and lines. Expressive drawing uses lines that give the effect of wrinkles between the eyes. Enlarged distortion depiction, used for the eyes, mouth, and teeth. Overall, the face is described as smooth, not many thick lines that give the impression of wrinkles or an old impression which is adapted to the character of Kabasaran in the comic, which is a small child.   Keywords: Expression Visualization, Visual Language, Form Language

This study aims to explain the application of ijarah Muntamlik (IMBT) financing to BMT Gumarang Akbar Ampenan Syariah as one of the Islamic financial institutions that has products based on the IMBT contract, and implements its strategy in accordance with sharia principles and provisions that apply in Indonesia, namely the DSN-MUI Fatwa No.27/DSN-MUI/III/2000 concerning Ijarah. The results of this study indicate that the implementation of the IMBT strategy is mostly in accordance with the implementation of the IMBT transactions, most of which are in accordance with the matters regulated in these provisions, although there are some things that are not in accordance with the DSN-MUI Fatwa. The discrepancy lies in the recognition of maintenance expenses carried out by the lessee (mustajir) while the burden should be the responsibility of the lessor (mujjir).

ABSTRAK Bangsa Indonesia selaku negara yang tidak dapat menjauhi tantangan globalisasi, namun dengan berpegang pada Pancasila selaku panduannya, prinsip Indonesia hendaknya bisa mempertahankan jati diri serta eksistensinya. Riset ini berisi tentang apabila memelihara semangat nasionalisme dalam benak generasi muda semenjak masa anak- anak akan membuat mereka lebih tangguh terhadap pengaruh negatif serta pergantian moral yang menjadi- jadi di masa globalisasi. Jadi, dengan memantapkan moralitas serta etika lewat pembelajaran Pancasila, generasi muda Indonesia bakal lebih siap buat hadapi globalisasi serta mempertahankan fakta diri Indonesia dikala yang bersamaan. Nilai kebudayaan yang jadi ciri bangsa Indonesia, semacam gotong royong, silahturahmi, ramah tamah dalam warga jadi keistimewaan dasar yang bisa menjadikan masing- masing orang warga Indonesia untuk mencintai serta melestarikan kebudayaan bangsa sendiri. Tetapi ciri masyarakat Indonesia yang diketahui selaku masyarakat yang ramah serta sopan santun disaat ini mulai pudar semenjak masuknya budaya asing ke Indonesia yang tidak bisa dipilih dengan baik oleh warga Indonesia. Hingga, dalam Mengenai ini pemerintah mempunyai peranan berarti buat mempertahankan nilai- nilai kebudayaan Indonesia dalam kehidupan masyarakatnya. ABSTRACT Indonesia as a country that cannot resist the challenges of globalization, but by adhering to the pancasila as its guidelines, its principles should be able to defend itself and existence. The research is about keeping a nationalistic spirit in the minds of youth since childhood will make them more resilient to the negative influences and the demoralizations of globalization. So, by reinforcing morality and ethics through pancasila study, the Indonesian younger generation will be better equipped to face globalization and maintain Indonesian fact at the same time. The cultural value of the Indonesian people, such as cooperation, silahturahmi, isa basic privilege that can make indonesians love and preserve their own culture. But the Indonesian people known as a friendly and civilised society have begun to wane since the influx of foreign cultures into Indonesia that Indonesia has not been able to choose well. Until then, governments have a meaningful role to maintain Indonesian cultural values in their societies