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Given the important objectives that banks strive to achieve through financial stability and their role in ensuring its continuity and ability to face various economic challenges, many have expanded their policies beyond their traditional functions by adopting a range of additional practices and activities that contribute to strengthening their developmental role in society. Among the most prominent of these practices are corporate social responsibility (CSR) activities, which have become a crucial aspect of the work of contemporary financial institutions. In this context, this research highlights CSR practices in banks. It relied on a sample of nine Iraqi banks listed on the Iraq Stock Exchange, which are characterized by their continued banking operations and regular publication of their annual financial reports. The research period was set from 2014 to 2023, and included a set of statistical tests that incorporated a number of financial determinants as control variables to determine their contribution to enhancing the impact of CSR when included alongside it, and to define the nature of the relationship between the research variables. We have reached a number of conclusions, most notably that when regulatory variables are included in the analysis model, this effect becomes statistically insignificant, which indicates that banks’ interest in internal financial factors still outweighs their interest in social aspects.

A feasibility study is a critical stage in the planning of hospital establishment to ensure investment viability, particularly from a financial perspective. This community service program aims to provide reinforcement in the preparation of a feasibility study for the establishment of a Regional Public Hospital (RSUD) in Barukan Village, Tengaran District, Semarang Regency, through financial feasibility analysis conducted by financial experts. The implementation method was carried out through partner needs identification, delivery of financial analysis materials, interactive discussions, and assistance in developing financial models encompassing cash flow projections, discounted payback period (DPP), net present value (NPV), internal rate of return (IRR), and sensitivity analysis, all of which yielded feasible and acceptable results. The outcomes of the activity demonstrated an improvement in partners' understanding of financial feasibility analysis as well as their ability to interpret investment assessment criteria. In addition, the activity yielded an early-stage draft encompassing the financial feasibility aspects, which is intended to guide stakeholders in making informed decisions related to the founding of the Semarang Regency Regional Public Hospital. This activity contributes to strengthening the planning of healthcare facility investment in an effective and sustainable manner.

The development of the digital economy has driven increased customer interaction through online chat services, making customer satisfaction a key factor in business success. Response speed and chat service quality are two important aspects in shaping the customer experience, but previous research has tended to examine them separately. This study aims to analyze the influence of online chat services and response speed on customer satisfaction partially and simultaneously. The method used is a qualitative approach with a literature review of 12 scientific articles from 2020–2025 obtained from academic databases such as Google Scholar and SINTA. The analysis technique used is descriptive-critical through the identification, comparison, and synthesis of previous research findings. The results show that online chat services have a positive effect on customer satisfaction, primarily through interaction quality such as information accuracy, ease of use, and problem-solving ability. Response speed has also proven to be an important determinant, where a fast response significantly increases customer satisfaction. However, speed without quality has the potential to decrease satisfaction. The discussion shows that the two variables have a complementary and inseparable relationship. Online chat services function as a medium for interaction, while response speed is a quality attribute that determines the effectiveness of the service. Therefore, the integration of both in one model is the main contribution of this research in filling the literature gap, especially in the context of e-commerce in Indonesia.

This study aims to analyze the implementation of the Project Based Learning (PjBL) model in art education as an effort to enhance the creativity and artistic understanding of Animation Department students at SMK Negeri 2 Palu. The study employed a descriptive qualitative approach involving animation students and supervising teachers as research subjects. Data were collected through observation, documentation, and reflective analysis during the teaching assistance program. The learning implementation was carried out through the introduction of traditional, modern, and contemporary art concepts integrated with practice-based creative project activities. The findings indicate that the application of PjBL significantly increased students’ active engagement in the learning process, strengthened their conceptual understanding of visual arts, and improved their ability to express creative ideas through visual works. Furthermore, the establishment of the “Kreasi Animasi Seni Budaya” community provided a collaborative space that supported the sustainable development of students’ creativity and artistic reflection. These findings demonstrate that project-based art learning is effective in optimizing the artistic competencies.

This study aims to examine the role of customer trust as a mediating variable in the relationship between digital marketing strategies and consumer behavior. As digital marketing evolves, companies are required not only to create engaging content but also to build strong trust to influence purchase intention, loyalty, and customer engagement. This research employs a systematic literature review (SLR) following PRISMA guidelines, selecting 52 empirical articles from reputable international databases such as Scopus, Web of Science, EBSCOhost, and ScienceDirect, published between 2015 and 2026. The analysis involved thematic and descriptive synthesis to assess the strength of digital marketing’s impact on customer trust and consumer behavior outcomes. The results indicate that digital marketing has a significant positive effect on customer trust formation (β=0.652; p<0.001). Customer trust functions as a partial mediator that strengthens the impact of digital marketing on purchase intention, loyalty, and engagement. The direct effect of digital marketing on consumer behavior is weaker when trust is not optimally established. These findings emphasize that effective digital marketing strategies must focus on transparency, security, credibility, and personalization to maximize consumer behavior outcomes. Practically, this study provides important implications for companies and digital marketing practitioners, highlighting that successful campaigns rely not only on content and visibility but also on the ability to build customer trust. The study also opens avenues for future research to examine more specific trust dimensions, including platform integrity, information quality, and social proof, within increasingly complex digital marketing contexts.

Manual management of customer receivables in manufacturing companies often leads to inefficiencies, including slow analysis processes, difficulty in monitoring outstanding balances, and limited ability to track payment trends comprehensively. This study designed a Business Intelligence Dashboard using Microsoft Power BI to address these issues at PT. XX Industry, employing a Software Development Life Cycle (SDLC) approach consisting of four stages: Planning, Analysis, Design, and Implementation. During the design phase, a data warehouse was built using a star schema model in SQL Server Management Studio, followed by an Extract, Transform, Load (ETL) process to ensure data accuracy and consistency prior to integration into Power BI. Five Key Performance Indicators (KPIs) were established collaboratively with company management through a series of online discussions, comprising Total Invoice, Total Payment, Total Receivables, Payment Rate, and Average Payment Time, all implemented using DAX expressions. The resulting dashboard features monthly trend visualizations, customer-based receivables distribution, and interactive filter capabilities. System testing confirmed that all components functioned correctly, while ETL validation verified consistency between processed and source data. User Acceptance Testing (UAT) conducted by management yielded an average score of 4.7 out of 5, reflecting a very high level of user acceptance. Overall, this dashboard proved effective in improving receivables monitoring efficiency and supporting faster, data-driven decision-making.

The increase in internet users in Indonesia presents a significant opportunity for business actors to market products through digital marketing, which allows transactions anytime and anywhere and influences purchasing decisions through complete and real-time product information. In addition, impulsive buying behavior, especially in areas like Ponorogo, which is rich in quality rice products with attractive discounts, also contributes to increased sales, impacting customer satisfaction, loyalty, and long-term customer value. Therefore, this study aims to examine the influence of digital marketing, product information, and impulse buying on purchasing decisions, as well as the ability of purchasing decisions to mediate the effect of digital marketing, product information, and impulse buying on marketing performance. This study uses a quantitative approach with a research sample of 104 respondents who are consumers of rice products in the Legi Ponorogo market. The data collection technique employed a questionnaire distributed online. The data analysis technique used is SEM PLS. The results of the study indicate that digital marketing and product information affect purchasing decisions, whereas impulse buying does not affect purchasing decisions. Furthermore, purchasing decisions have an impact on marketing performance. The results of the indirect effect show that purchasing decisions mediate the influence of digital marketing and product information on marketing performance, while purchasing decisions do not mediate the influence of impulse buying on purchasing decisions.

. This research is motivated by the low ability to write experiential stories of fourth-grade elementary school students, which is triggered by conventional learning methods and minimal use of media. The purpose of this study is to design interactive multimedia assisted by the Genially application on the material of writing experiential stories, which must meet the standards of validity, practicality and effectiveness. The method used is Research and Development (R&D) with the ADDIE framework (Analysis, design, development, implementation, evaluation). The research subjects consisted of 20 fourth-grade elementary school students. Data were collected through interviews, validation questionnaires, teacher and student response questionnaires, and pretests and posttests. The results of the study showed that Genilly interactive multimedia obtained a media validation percentage of 96%, material validation of 98% with a very valid category. The results of practicality obtained a percentage of 9a% from teachers and 98.3% from students with a very practical category. The effectiveness results showed an increase in learning outcomes with an N-Gain value of 0.91 in the proficient category, 0.74 in the developing category, and 0.71 in the need for guidance category, which is included in the high category. Thus, Genially interactive multimedia is suitable for use as a learning medium to help improve writing skills.

This study aims to analyze the implementation of information technology in improving the quality of public services. The research method used is library research by collecting and analyzing various scientific sources, such as journals, books, research articles, and government documents related to information technology and public services. The results show that the implementation of information technology through online service systems, official websites, and administrative information systems is able to improve the effectiveness, efficiency, transparency, and accessibility of public services. Information technology also helps accelerate administrative processes, reduce data management errors, increase employee productivity, and strengthen communication between the government and the community. In addition, the implementation of information technology supports the realization of e-government and good governance through increased accountability and information transparency. However, the implementation of information technology still faces several challenges, such as limited human resources, inadequate technological infrastructure, unstable internet connections, and the low ability of some communities to use digital services. Therefore, it is necessary to improve employee competencies, develop technological infrastructure, and conduct public socialization to optimize the implementation of information technology in public services. Overall, information technology has proven to be a strategic solution in creating modern, effective, efficient, transparent, and community-oriented public services.

This community service program aims to enhance the competencies of teachers at MA Attarbiyah Addiniyah Gersik in utilizing information technology and strengthening school branding through an integrative approach combining Management and Information Technology. The one‑month program consisted of needs analysis, program design, pre‑test, basic computer training, digital learning media development, school branding training, mentoring, and post‑test evaluation. The pre‑test and post‑test results indicate significant improvements in all competency areas: basic computer skills (57.7%), digital learning media development (83.3%), and school branding (45.4%). Observations during the training revealed increased teacher confidence in using digital tools, improved ability to produce engaging learning media, and better understanding of school branding strategies. The mentoring phase supported teachers in completing their final outputs, including digital learning media and a school branding concept. Overall, this program contributed to improving teachers’ digital literacy, enhancing learning quality, strengthening teacher professionalism, and reinforcing the school’s digital identity.

The ability to describe graphs accurately in English is an essential academic skill for EFL learners, particularly in higher education contexts where students are required to interpret and communicate visual data. However, many learners still experience difficulties in producing grammatically accurate graph descriptions. This study aims to investigate the level of grammatical accuracy demonstrated by EFL learners in graph description tasks and identify the grammatical aspects that require further improvement. Employing a descriptive qualitative approach, the research analyzed 30 samples of students’ written graph descriptions produced by undergraduate learners. The analysis focused on several grammatical aspects, including subject–verb agreement, tense consistency, article usage, sentence structure, prepositions, and punctuation. The findings reveal that students frequently struggle with subject–verb agreement and article usage, while punctuation errors occurred less frequently. The study highlights that grammatical accuracy remains an important challenge for EFL learners in academic writing tasks involving data interpretation. Therefore, it is recommended that grammar instruction be integrated more intensively into graph description activities in English classes. The findings are expected to contribute to the development of more effective teaching strategies in academic writing instruction for EFL learners.

The preservation of the nation's collective memory is a very important aspect in maintaining national identity, but its existence today is threatened by physical damage and limited access to information. This study aims to explain effective preservation methods to ensure the sustainability of the collective memory as a historical heritage. The methodology applied is qualitative descriptive by collecting data through literature review and document analysis from various literature sources and regulations related to archives. The results of this study show that the implementation of the current preservation strategy still faces major problems, especially the difference between the expected tennis standards and the reality of limited funds and the ability of human resources to carry out restoration. In addition, the digitalization process has not been fully linked to the planned long-term digital preservation management. The implications of this study show that strengthening the collaboration and technical capabilities of archivists is very important so that all historical artifacts of the nation are maintained in their authenticity, protected, and can be widely accessed by future generations.

The banking sector faces dual challenges from economic turbulence and the implementation of expected credit loss accounting standards. An empirical anomaly has emerged where large-scale banks remain aggressive in distributing dividends despite soaring provisioning burdens, while medium-scale banks tend to retain earnings. This research aims to analyze the effect of capital buffer and firm size on dividend distribution decisions, while examining the ability of allowance for impairment losses to moderate these interactions. Utilizing a causal explanatory panel data design, this study observed 15 banking entities on the Indonesia Stock Exchange from 2020 to 2024. Data analysis was conducted using the Tobit regression model to accommodate dividend data characteristics left-censored at zero. Results prove that the capital buffer has no significant effect on dividend decisions, confirming the conservative posture of banks in prioritizing capital retention as a risk cushion. Conversely, firm size significantly determines profit distribution policy positively. In the moderation test, allowance for impairment losses does not moderate the capital buffer-dividend relationship but significantly moderates and amplifies the positive effect of firm size on dividend decisions. These findings imply a strategic resilience signaling maneuver, where large banks respond to high provisioning by expanding cash distribution to prove fundamental robustness to the market. Practically, this study recommends investors prioritize large-scale banks for stable returns and provides insights for regulators regarding the urgency of more adaptive regulatory adjustments.

Embroidery learning in fashion design education requires technical mastery, creativity, perseverance, collaboration, and the ability to produce aesthetically valuable products. However, student motivation often decreases when practical learning is dominated by lecturer explanation and imitation of examples. This study aims to determine the effect of Team-based Projects in embroidery learning on student learning motivation. A quantitative approach was employed using a quasi-experimental pretest-posttest control group design. The sample consisted of 60 students divided into an experimental class and a control class. The experimental class received team-based project learning, while the control class followed conventional individual practice. Data were collected using a learning motivation questionnaire based on intrinsic motivation, extrinsic motivation, and amotivation. The data were analyzed through normality tests, homogeneity tests, paired sample t-tests, independent sample t-tests, and simple linear regression. The findings showed that the experimental class’s motivation score increased from 67.83 to 82.37 after the treatment. The independent sample t-test revealed a significant difference between the experimental and control classes, with a p-value < 0.001. Regression analysis also confirmed that Team-based Projects positively affected student learning motivation. These results indicate that team based embroidery projects create more meaningful, collaborative, and challenging learning experiences.

 The quality of digital system services in the ship clearance process is closely related to the work effectiveness of shipping agency companies. The advancement of port operational services is influenced by the system’s ability to provide convenience, speed, accuracy, and service integration for users. The system used in the ship clearance process must be able to meet user needs and support inter-agency coordination so that ship services can operate more effectively and efficiently. This study aims to analyze the performance level and the level of user importance regarding the implementation of the Single Submission Pengangkut System in the ship clearance process at PT Trans Cakrawala Perkasa. The research employed a descriptive quantitative approach with a sample of 30 respondents consisting of ship agents involved in the clearance process. Data were collected through questionnaires, observations, and literature studies. The data were analyzed using validity tests, reliability tests, conformity level analysis, and the Importance Performance Analysis (IPA) method. The results indicate that the SSM Pengangkut System has made a positive contribution to accelerating document processing, facilitating system usage, increasing work productivity, and supporting coordination among related agencies. Based on the IPA Cartesian diagram, one indicator was identified as a priority for improvement, while other indicators were categorized as maintain performance, low priority, and high performance with lower importance levels. Overall, the implementation of the Single Submission Pengangkut System has been running quite well; however, continuous evaluation and improvement are still needed to optimize the ship clearance process further.

This study aims to examine how schools foster togetherness amid religious diversity through a dialogical approach. This research employed a qualitative method and was conducted at SMA Negeri 1 Sumbul. Data were collected through observation, interviews, and documentation, while the analysis used the interactive model of Miles and Huberman, which includes data reduction, data display, and conclusion drawing. The findings reveal that three main religions Islam, Catholicism, and Protestantism coexist harmoniously within the school due to strong practices of tolerance. This is reflected in the implementation of religious worship conducted simultaneously at the same time but in different places according to each belief, as well as mutual respect during religious celebrations such as Ramadan and Eid al-Fitr, Easter, and Christmas. In addition, social interactions among students occur in an open, communicative, and non-discriminatory manner. These findings indicate that schools play a significant role in promoting unity through multicultural education, religious moderation, and dialogical approaches. Therefore, schools can serve as effective spaces for shaping students’ tolerant character and their ability to live harmoniously in a diverse society.

This study is based on the increasingly rapid development of the knowledge-based economy, where human capital is now regarded as one of the important assets in creating a company’s competitive advantage, especially in the energy and oil and gas sectors in Indonesia. This study aims to determine the effect of human capital and labor intensity on corporate financial performance, which is proxied by Return on Assets (ROA) during the 2021–2024 period. The research method used is a quantitative approach with multiple linear regression analysis. The research data were obtained from sample companies selected using a purposive sampling technique. The results of the study show that human capital, proxied by Value Added Human Capital (VAHU), has a positive and significant effect on corporate financial performance. These findings indicate that good human resource management is capable of increasing the company’s profitability level. On the other hand, labor intensity is proven to have a negative and significant effect on financial performance. This indicates that a high level of company dependence on labor, without being balanced by operational efficiency, can reduce the company’s ability to generate profits. In addition, simultaneously both variables are able to explain 74.5% of the variation in Return on Assets (ROA), so it can be concluded that human capital and labor intensity have a considerable contribution to corporate financial performance. Based on these results, companies need to prioritize improving the quality and competence of the workforce rather than merely focusing on increasing the number of employees. This step is important to maintain the stability of corporate financial performance in the post-pandemic era. In addition, companies also need to effectively control labor costs so that a decline in net profit margins can be avoided.

This research is motivated by the low skills of students in writing speech texts, especially in the aspects of structure, idea development, and language use. This study aims to describe the application of infographic media, analyze the differences in writing abilities between the experimental and control classes, and determine student responses. The study used a quantitative approach with an experimental design at SMP Negeri 55 Surabaya. The research sample consisted of class VIII B as the experiment and VIII A as the control. Data collection techniques included observation, pretest and posttest tests, and questionnaires. Data analysis used descriptive statistics and independent sample t-test. The results showed that the application of infographic media ran very well. There was a significant difference in the ability to write speech texts between the two classes, with an average posttest score of 78.2 for the experimental class and 69.5 for the control class (sig. 0.000 <0.05). Student responses were also in the very good category. Thus, infographic media is effective in improving students' speech writing skills.

The development of social media has brought significant changes in how individuals perceive themselves, especially among female university students who are in the stage of identity formation. Social media is not only used as a communication tool but also as a space that presents homogeneous beauty standards which can influence self-perception. This study aims to analyze the construction of beauty standards on social media and their impact on female students’ self-perception. The research uses a qualitative approach with a literature review method by analyzing 20  relevant academic articles published between 2020 and 2025. Data analysis was conducted using descriptive qualitative techniques, including data reduction, data presentation, and conclusion drawing. The results show that beauty standards on social media are constructed through repeated visual representations and reinforced by algorithmic systems, creating an idealized image of beauty. This condition encourages female students to engage in social comparison, leading to self-dissatisfaction and decreased self-confidence. However, these effects vary depending on individuals’ ability to filter and interpret information. This study highlights the importance of developing critical awareness in social media use to avoid being influenced by unrealistic beauty standards.

This study analyzes the urgency of strengthening citizen lawsuit mechanisms in response to spatial planning failures from an environmental law perspective, using the 2025 floods in Bali as a case study. The study is motivated by the increasing frequency and intensity of floods, which can no longer be understood as merely natural phenomena, but rather as the result of structural failures in spatial planning management and weak government accountability. Normatively, spatial planning is regulated under Undang Undang Nomor 26 Tahun 2007 dan Undang Undang Nomor 32 Tahun 2009 however, its implementation reveals a gap between legal norms and actual practice. The methodology employed is a normative legal approach, involving an analysis of legislation, legal doctrine, and judicial practices related to citizen lawsuits. The study's findings show that land-use conversion and development in water catchment areas, which go against the precautionary principle, the polluter pays principle, and sustainable development, are examples of spatial planning violations that cause flooding in Bali. In this situation, citizen lawsuits increase public access to justice while acting as a legal tool to hold the state responsible for its carelessness. However, this mechanism's effectiveness is still limited by the absence of a clear legal foundation, the difficulty of the burden of proof, and the public's limited access to the litigation process. Therefore, in order for citizen lawsuits to serve as effective tools for environmental protection and accountability, it is imperative that clear regulations be established, procedures be streamlined, and public access and ability information be improved.