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This study analyzes creditworthiness assessment and predicts non-performing loan (NPL) risk using the Naïve Bayes algorithm at BPR Ukabima Lestari, Jambi Branch. A quantitative data mining approach with probabilistic classification is applied. The dataset includes borrower attributes such as age, occupation, income, loan amount, tenor, collateral, and repayment history. Research stages comprise data preprocessing, model development, and performance evaluation using accuracy, precision, recall, and F1-score implemented in RapidMiner. The results indicate that the Naïve Bayes model achieves 99.58% accuracy, demonstrating strong capability to predict potential problem loans accurately and efficiently, supporting data-driven credit decisions and strengthening credit risk management in microbanking institutions.

The increasing demand for interactive web applications has encouraged the adoption of server-driven approaches such as Livewire as an alternative to building Single Page Applications (SPAs) without complex client-side JavaScript. However, the performance implications of this approach compared to conventional methods remain insufficiently explored. This study presents an empirical comparison between Laravel Blade with AJAX and Livewire in an academic attendance system scenario. Performance evaluation was conducted using k6 on the same web server, complemented by manual browser-based testing to observe actual communication patterns. The results indicate that Livewire exhibits approximately 2.7× higher average response time and up to 6× greater bandwidth consumption than Laravel Blade, primarily due to its snapshot mechanism and state synchronization process. Conversely, Livewire demonstrates better stability, reflected by lower maximum response times and a 0% error rate. These findings highlight a clear trade-off between resource efficiency and development convenience, where Livewire favors stability and developer productivity, while Laravel Blade provides superior efficiency in terms of latency and bandwidth usage.

This study evaluates the AIESEC Incoming Global Volunteer (IGV) Program at the Veteran National Development University in Yogyakarta using the CIPP (Context, Input, Process, Product) evaluation model. Employing a descriptive qualitative approach, data were collected through interviews, non-participatory observation, and documentation studies, with validity ensured through triangulation. The findings reveal that the IGV Program is highly relevant to the university’s internationalization agenda and contributes significantly to strengthening cross-cultural competencies among students. The availability of resources and the overall implementation of the program have been effective, though improvements are needed in ensuring consistent mentoring for international participants. The evaluation highlights that the program has generated positive outcomes, particularly in enhancing intercultural competencies and fostering collaboration with local partners. These results underscore the importance of sustaining and refining the IGV Program as a strategic initiative to support global engagement and student development.

Spirituality is a fundamental foundation of congregational faith life that directly influences character formation and daily behavior. However, social, cultural, and technological changes in the modern era have contributed to the weakening of congregational spirituality, including within the GKSI Sungai Maram congregation in Ketapang Regency, West Kalimantan. This condition is reflected in faith practices that tend to be routine and have not yet fostered holistic Christlike character. This community service program aimed to revitalize congregational spirituality as an effort to strengthen character formation and faith through a contextual and participatory approach. The program was implemented through pastoral mentoring, reflective group discussions, prayer fellowships, and community-based faith development activities involving church leaders and congregants. The implementation methods included initial observation of congregational conditions, interviews with church leaders and members, and community reflection as an evaluation tool. The results of the program indicate increased spiritual awareness among congregants, reflected in the strengthening of Christian character values such as love, integrity, responsibility, and social concern, as well as improved relational quality within the congregation. In addition, the program encouraged the establishment of sustainable shared spiritual practices as an integral part of church life. Therefore, contextual and sustainable spiritual revitalization through community service activities serves as an effective strategy for building a congregation that is mature in faith, strong in character, and socially impactful.

Artificial Intelligence (AI) has become a significant driver of innovation in the banking sector, especially in the context of post-pandemic digital transformation. AI is widely utilized in areas such as fraud detection, credit evaluation, risk management, and customer interaction, attracting considerable interest from both academics and industry professionals. This research explores the recent advancements in AI within the banking industry, focusing on studies published between 2020 and 2025. A bibliometric approach is employed, using data from the Scopus database and bibliometric tools like VOSviewer and R Studio to visualize keyword networks and track emerging trends. The study aims to identify influential authors, journals, and countries contributing to AI research in banking. By analyzing these developments, the research highlights the contributions of AI to improving operational efficiency, data security, and financial inclusion, particularly in the Indonesian context. This work offers valuable insights into the ongoing integration of AI in the banking sector and its potential to shape future financial services, emphasizing its relevance to both global and regional markets.

This study uses a qualitative method of a descriptive approach with an interpretive paradigm to gain an in-depth understanding of the process of planning, implementing, and evaluating broadcast programs. This research was carried out at the Communication and Information Office of Bogor Regency, Jalan Tegar Beriman Number 1, Pakansari, Cibinong District, Bogor Regency, West Java 16914. The data collection techniques used are direct observation of the broadcast process, in-depth interviews with broadcasters and program managers, and documentation to support the validity of research data. The results of this study show that broadcasting strategies are implemented through content planning that suits the needs of listeners, the implementation of interactive broadcasts involving listeners and routine evaluation to maintain the quality of the information that has been delivered. In addition, the use of digital media as a streaming platform and interaction through social media also supports a wider reach to listeners. The conclusion of the broadcasting strategy implemented by Radio Teman 95.3 FM is considered effective in maintaining listener loyalty and attracting new audiences, so that it can be an example for other local radio stations in facing the current digital media competition.technological optimization, audience engagement, and adaptation to the development of new media.

A research about study of sandstone slope stability using the Bishop Simplified method in Uu Samarinda has been conducted. This study was conducted to analyze the rebound number values of sandstone slopes, evaluate their stability level, and calculate the safety factor using the Bishop method. The results showed that the rebound number values were 22.34 at point 1, 19.83 at point 2, and 18.07 at point 3. The Uniaxial Compressive Strength (UCS) values at the observation points were 1.90 MPa, 1.62 MPa, and 2.21 MPa, respectively. Geological Strength Index (GSI) evaluation indicated a rating of 80–85, demonstrating intact/massive rock structure, fresh and unweathered rock surfaces, and very good rock quality. Based on the Bishop method analysis, the slope factor of safety in 6.525  with a probability of failure is 0.000%, indicating that the sandstone slope in Ulu Samarinda is highly stable even under external pressures such as heavy rainfall or minor earthquakes. This study provides crucial information on the mechanical characteristics and stability of sandstone slopes in ulu Samarinda, which can serve as a reference for technical planning, geotechnical risk mitigation, and the sustainable development of safe areas.

The RIGEM community service program was carried out with the aim of strengthening character education for early childhood through the use of children’s songs in TK B. The background of this activity stems from concerns about the increasing exposure of children to adult songs and content, which may influence their behavior and moral values. Children’s songs were chosen as the main medium because they have simple melodies, easy-to-remember lyrics, and contain positive values that can stimulate children's cognitive, affective, and social development. This study employs a descriptive qualitative approach using the CIPP evaluation model (Context, Input, Process, Product) to assess the effectiveness of the program. Data were collected through observations, interviews with teachers and parents, and documentation of activities. The results show that the children’s songs introduced particularly those containing messages about politeness, cooperation, and responsibility were effective in improving children's understanding of moral values and encouraging positive behavioral changes. Children became more accustomed to using polite expressions, showing empathy, and cooperating during classroom activities. Teachers and parents played an important role in reinforcing these habits both at school and at home. Overall, the RIGEM program proved to be an effective, enjoyable, contextual, and easily implemented effort to foster character development in early childhood education.

The RIGEM community service program was carried out with the aim of strengthening character education for early childhood through the use of children’s songs in TK B. The background of this activity stems from concerns about the increasing exposure of children to adult songs and content, which may influence their behavior and moral values. Children’s songs were chosen as the main medium because they have simple melodies, easy-to-remember lyrics, and contain positive values that can stimulate children's cognitive, affective, and social development. This study employs a descriptive qualitative approach using the CIPP evaluation model (Context, Input, Process, Product) to assess the effectiveness of the program. Data were collected through observations, interviews with teachers and parents, and documentation of activities. The results show that the children’s songs introduced particularly those containing messages about politeness, cooperation, and responsibility were effective in improving children's understanding of moral values and encouraging positive behavioral changes. Children became more accustomed to using polite expressions, showing empathy, and cooperating during classroom activities. Teachers and parents played an important role in reinforcing these habits both at school and at home. Overall, the RIGEM program proved to be an effective, enjoyable, contextual, and easily implemented effort to foster character development in early childhood education.

This community service activity aims to increase the understanding of students at State Senior High School 2 Mataram regarding information security by introducing the concepts of coding and cryptography in digital messages. The rapid use of messaging applications among teenagers makes students increasingly vulnerable to cyber threats, necessitating education on how data protection works in online communication. This program is implemented using a descriptive method consisting of planning, implementation, and evaluation stages. The material covered includes basic cryptography concepts, end-to-end encryption mechanisms, and the practical process of the Diffie–Hellman key exchange thru the interactive simulation "Alice and Bob." Learning is designed contextually and participatively so that students can connect theory with the digital applications they use every day. The evaluation results showed an improvement in students' understanding, reflected in their active participation, ability to answer questions, and adequate post-test scores. This activity not only strengthens digital security literacy but also raises students' awareness of the importance of protecting personal data in online communication. This program is expected to be the beginning of more sustainable digital security learning development in the school environment.

This study aims to implement the Christian Religious Education and Character Education (PAK) teaching module in grade V of SDN 1 Sabaru, Palangka Raya, with a focus on the topic “Jesus Was Crucified, Died, and Risen for Me.” The learning process is designed to support students’ spiritual and character development through an interactive and project-based approach. Teaching methods include group discussions, the use of miniature media as visual learning aids, collaborative activities, and guided reflection on Christian values relevant to students’ daily experiences. The results of classroom observations show that most students are active, enthusiastic, and involved in the learning process, able to understand the theological meaning of the crucifixion, death, and resurrection of Jesus, and apply the values of love, gratitude, and responsibility in everyday life. Obstacles found include a lack of self-confidence in some students and less optimal group dynamics during activities. These findings serve as important evaluation materials for improving the effectiveness of future learning implementation

This community service activity aims to increase the understanding of students at State Senior High School 2 Mataram regarding information security by introducing the concepts of coding and cryptography in digital messages. The rapid use of messaging applications among teenagers makes students increasingly vulnerable to cyber threats, necessitating education on how data protection works in online communication. This program is implemented using a descriptive method consisting of planning, implementation, and evaluation stages. The material covered includes basic cryptography concepts, end-to-end encryption mechanisms, and the practical process of the Diffie–Hellman key exchange thru the interactive simulation "Alice and Bob." Learning is designed contextually and participatively so that students can connect theory with the digital applications they use every day. The evaluation results showed an improvement in students' understanding, reflected in their active participation, ability to answer questions, and adequate post-test scores. This activity not only strengthens digital security literacy but also raises students' awareness of the importance of protecting personal data in online communication. This program is expected to be the beginning of more sustainable digital security learning development in the school environment.

This article explores the concept of a “House of Faith” as a holistic educational framework designed to build students’ character based on religious values. The fundamental idea of the House of Faith is likened to a school environment that provides a comfortable and safe space for students to develop their faith and noble character through learning activities connected to religious teachings. A religious school environment is created through everyday atmospheres that encourage the practice of worship, the presence of religious symbols, and community activities that strengthen students’ spirituality. Programs to reinforce religious spirit include activities such as communal prayers, religious studies, and social projects designed to gradually enhance students’ spiritual awareness. Teachers and educational staff play a highly effective role, acting as role models and facilitators in the learning process. Their approach to instilling faith and moral values involves interactive methods such as group discussions, inspirational stories, and personal reflection, all adapted to students’ developmental stages. Collaboration between the school and parents becomes a key factor in ensuring consistent support. This is carried out through regular meetings, joint workshops, and open communication that reinforces family values. The impact of religious spirit on students can be seen in increased discipline, social empathy, emotional resilience, and stronger academic motivation. However, implementation faces challenges such as limited curriculum time, diversity of student backgrounds, and cultural resistance. These challenges are addressed through solutions, including regular teacher training, program evaluation, and the integration of technology for distance learning. Overall, the article emphasizes that a school functioning as a House of Faith can shape young generations who are not only intellectually capable but also strong in faith and morals, contributing to a more harmonious and meaningful society.

Tourism is one of the sectors that plays an important role in boosting economic growth through travel activities and destination exploration. Tourists' preferences for nature-based tourism options, such as mountain hiking or beach tourism, are influenced by various factors, ranging from personal experiences and recreational interests to social characteristics. Therefore, a technology-based approach is needed to predict destination choice tendencies more accurately. As artificial intelligence technology develops, deep learning methods have been widely used in classification processes due to their ability to process large amounts of data and recognize complex patterns. In this study, a Multilayer Perceptron (MLP) model is used to classify tourists' preferences between mountain or beach destinations based on a survey dataset. The research stages include data processing, data splitting using a train-test split, model training, and performance evaluation using accuracy, precision, recall, and F1-score. The test results show that the MLP model is capable of achieving an accuracy rate of 99%, confirming that deep learning methods are effective in automatically mapping tourism preference trends. This research is expected to serve as a basis for the development of more personalized travel destination recommendation systems, as well as to support tourism management in formulating targeted promotional strategies.

This community-based program aims to strengthen the economic resilience of marginalized groups in Pakistan through a social entrepreneurship model that promotes inclusion, innovation, and long-term sustainable growth. The initiative responds to persistent socio-economic inequalities that limit opportunities for low-income populations, particularly women, youth, and rural communities. By integrating entrepreneurial training, financial literacy education, and community-based business incubation, the program equips participants with the skills needed to initiate and sustain micro-enterprises. The model emphasizes the use of local resources, socially responsible business practices, and community-led decision-making to ensure contextual relevance. Data collected through baseline assessments, participatory workshops, and post-program evaluations show significant improvement in participants’ entrepreneurial competencies, confidence, and engagement in local economic activities. Government officials, NGOs, and private-sector partners reported increased trust and willingness to collaborate with trained communities. Feedback from participants highlights enhanced motivation, improved financial knowledge, and stronger social networks. Overall, the program demonstrates that social entrepreneurship can be a powerful mechanism for inclusive economic development when combined with capacity building, community mobilization, and strategic partnerships. Findings offer insights for policymakers and academic researchers seeking scalable models to address marginalization and promote sustainable growth in Pakistan’s diverse socio-economic landscape.

This research focused on improving fine motor development in early childhood through creative learning activities that utilize recycled materials, designed and implemented using the ADDIE instructional model. The study involved children from class B2 at TK Prawidya Darma and was conducted systematically through five stages, namely analysis, design, development, implementation, and evaluation. Throughout the learning process, children were engaged in a variety of hands-on craft activities, including cutting, folding, gluing, and assembling recycled objects, which were intentionally structured to train hand–eye coordination, finger flexibility, and concentration. The results demonstrate that learning activities based on recycled materials offer rich and meaningful experiences for young learners. Children showed noticeable improvements in accuracy, independence, and creative expression while completing tasks. In addition, the use of recycled materials helped cultivate environmental awareness from an early age, as children learned the value of reusing everyday objects. The classroom atmosphere became more interactive and enjoyable, with students actively participating and showing enthusiasm during the activities. Overall, the findings indicate that creative recycling-based activities are effective in supporting fine motor skill development through enjoyable, practical, and environmentally friendly learning experiences. This study concludes that integrating recycled materials into creative activities can be an innovative, sustainable, and pedagogically valuable approach for early childhood education programs.

Early Childhood Education (PAUD) holds a very important role in shaping children’s character, moral values, and foundational knowledge. As an effort to support the success of education, good quality learning outcomes are required as a benchmark for children’s holistic development. In this context, educator management becomes one of the keys to improving the quality of learning outcomes. PAUD Al-Qur’an (PAUDQU) is an early childhood education institution that prioritizes Al-Qur’an education and Al-Qur’an memorization (tahfidz) as its institutional uniqueness. The findings of this research show that the educator management implemented in PAUDQU in Setu Bekasi District is quite good, as almost all elements within the scope of educator management have been carried out by the school. However, there are several obstacles found in its implementation, such as the educators’ competencies that have not been maximized, particularly in Al-Qur’an recitation (tahsin) and tahfidz, as well as the promotion, compensation, and educator assessment systems that are not yet well-structured. KIPAS EVA, an acronym for Competence Implementation Evaluation Appreciation, was developed with the expectation of being easier to remember, thus supporting the process of applying educator management in the future. This management strategy emphasizes educator planning by strengthening competencies, professional learning implementation by educators, continuous educator evaluation, and providing appreciation to increase educator motivation.

Higher education institutions are experiencing accelerated transformation driven by global competition, technological advancements, and shifting learner expectations. In this context, Internal Quality Assurance Cells (IQACs) serve a strategic role in enhancing teaching quality, strengthening learning processes, and ensuring curriculum relevance through the implementation of Outcome-Based Education (OBE) and pedagogical innovation. This study employs qualitative content analysis by synthesizing theoretical frameworks and recent empirical literature to develop an integrated model of IQAC-led academic transformation. The analysis highlights three key mechanisms: curriculum intelligence systems, pedagogical innovation ecosystems, and comprehensive faculty empowerment. Findings indicate that effective IQACs function not merely as compliance bodies but as catalysts of academic excellence by aligning curriculum with industry needs, fostering continuous faculty development, and promoting technology-enhanced learning and learning analytics. Moreover, phased OBE implementation—comprising capacity building, curriculum redesign, instructional support, and continuous evaluation—significantly strengthens learning outcomes and cultivates reflective academic culture. The proposed framework underscores the interconnected role of curriculum, pedagogy, and faculty capabilities as foundations for institutional excellence. Ultimately, the study affirms that IQACs’ strategic leadership in embedding OBE, leveraging educational technologies, and empowering faculty positions them as pivotal agents in driving sustainable educational transformation.

Background: Adolescence is a developmental period characterized by emotional instability and vulnerability to mental health problems such as anxiety, stress, and low self-esteem. The increasing prevalence of emotional and mental issues among adolescents in Pekalongan City highlights the need for effective and accessible relaxation interventions. Methods: This community service program aimed to introduce and implement mindful meditation as a relaxation medium to help adolescents manage emotional and mental problems. The activity was carried out at SMP Negeri 13 Pekalongan through health education, guided meditation sessions, and reflection activities involving 23 students. Results: Evaluation results showed an increase in participants’ understanding of mindfulness and their ability to practice relaxation independently. Participants also reported reduced emotional tension and improved mood after regular meditation sessions. Conclusion: The findings suggest that mindful meditation can serve as a simple, low-cost, and effective strategy to promote emotional well-being among adolescents. Further programs are recommended to integrate mindfulness-based practices into school health promotion activities

This study aims to implement and evaluate the effectiveness of a learning module designed for X grade students (Phase E) at SMAN 4 Palangkaraya, focusing on the Christian values of love, justice, and tolerance within the framework of the Merdeka Curriculum. The implementation involved classroom teaching using lectures, group discussions, and quizzes to foster active and meaningful learning experiences. The objectives included ensuring students' understanding of the core values, developing their ability to articulate these values, and achieving a minimum score on quizzes. The methodology included direct teaching, observation of student responses and engagement, and evaluation of learning outcomes through cognitive and affective assessments. Findings revealed that 90% of students actively participated in discussions, and all groups engaged in answering quiz questions. The use of rewards notably enhanced student enthusiasm and participation. Despite the overall success, some students did not achieve the highest performance level. The implications suggest that integrating technology into the learning process and thorough preparation of teaching materials are crucial for enhancing student outcomes. This study contributes to the understanding of how Christian values can be effectively integrated into the curriculum to promote holistic student development, aligning with the Pancasila Student Profile, which emphasizes faith, moral integrity, global diversity, and collaboration.