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The term "breach of contract" in contract law refers to a breach of promise. Discussions of breach of contract, both in doctrine and jurisprudence, are usually associated with a statement of negligence by the debtor, where the debtor has failed to properly fulfill their contractual obligations, and the debtor is at fault. It must be acknowledged that a breach of contract, or breach of promise, already involves bad faith on the part of the party failing to fulfill their promise. The meaning of "breach of contract" in banking law relates to the occurrence of problem loans at banks, which cause the loan to become non-performing. This is usually due to the debtor or customer not paying by the previously agreed payment date. The existence of a breach of contract is inseparable from the existence of a credit agreement. Whether a debtor is in default cannot be determined simply because there are efforts to rescue loans that have entered a problematic stage. The beginning of a violation of an agreement or default due to someone not being paid, in meeting the credit rescue standards at the bank, usually efforts are made such as Rescheduling, Reconditioning, Restructuring, through this rescue, the debtor is given the opportunity to lose his business, so the concept of default in BW and the Banking Law must be measured through the performance given, in both regulations, then from there the concept of problem credit can be classified. This banking regulation can be said to be a default, the comparison of this concept is the discussion in this thesis.

Land rights disputes arising from overlapping land certificates remain a complex agrarian law issue frequently encountered in Indonesia. This phenomenon reflects weaknesses in the land administration system, particularly in data collection, land measurement, and certificate issuance. Such disputes create conflicts, legal uncertainty, and reduced public trust in the land registration system. In practice, these disputes are generally resolved through civil litigation procedures in the District Court. This study aims to comprehensively analyze civil procedural law in resolving land rights disputes involving overlapping certificates and to examine the evidentiary strength of land certificates in judicial proceedings. This research employs a normative legal method using statutory and conceptual approaches, supported by primary and secondary legal materials. The findings indicate that dispute resolution begins with the filing of a lawsuit, followed by mediation, court examination, and the evidentiary process as the most crucial stage in determining lawful ownership. Land certificates serve as strong evidence; however, they are not absolute, as they may be challenged if administrative or substantive legal defects are identified. Judges play a central role in assessing certificate validity by considering land history, physical possession, good faith, and compliance with legal procedures. Nevertheless, the effectiveness of dispute resolution still requires improvement through better land administration, enhanced data accuracy, and stronger institutional integration.

This study aims to analyze the participation of the faithful in the Sacrament of Penance and to identify the pastoral challenges influencing its practice in the Vicariate of West Sulawesi, Archdiocese of Makassar. Theologically, the Sacrament of Penance serves as a means of reconciliation that restores the relationship between humanity, God, and the Church. However, in contemporary contexts, its practice encounters various social, psychological, and pastoral dynamics. This research employed a descriptive quantitative approach involving 267 respondents from four parishes through questionnaire distribution. The data were analyzed using percentage-based statistics to map participation frequency, spiritual motivation, level of understanding, post-sacramental experiences, and perceived obstacles. The findings indicate that although most respondents demonstrate strong theological understanding, sincere spiritual motivation, and positive spiritual experiences after receiving absolution, participation remains largely seasonal and periodic. The principal challenges include psychological factors such as shame and anxiety, structural limitations related to schedule and accessibility, and formative deficiencies such as insufficient ongoing catechesis. The study concludes that the primary issue is not a crisis of faith in the sacrament itself, but a gap between theological awareness and concrete practice, thus calling for more dialogical, communicative, and contextual pastoral renewal.

The development of digital technology has brought about significant changes in various aspects of life, including early childhood faith education. Today’s children are growing up in an environment familiar with digital media, making it necessary to adopt a catechetical approach that keeps pace with the times. This article aims to examine the use of digital catechesis as a tool for early childhood faith education. This study employs a qualitative method with a literature review approach, gathering data from books, scientific journals, research articles, Church documents, and other relevant sources. The data is analyzed using descriptive-qualitative methods to understand the benefits, challenges, and role of digital catechesis in fostering children’s faith. Research findings indicate that digital catechesis can serve as an effective, engaging, and interactive medium for helping children learn about the teachings of the faith from an early age. The use of animated videos, religious songs, educational images, and learning apps can enhance children’s interest in learning, attention, and understanding of Catholic faith values. Furthermore, digital catechesis also assists the Church, families, and schools in providing faith education that is more contextual and aligned with the world of today’s children. However, the use of digital media still requires the guidance of parents, teachers, and faith mentors so that children receive proper direction and are protected from the negative impacts of technology. Thus, digital catechesis is a relevant tool in the faith education of young children when used wisely and purposefully. The presence of digital media does not replace the role of faith educators but serves as a tool that enriches the process of proclaiming the faith in the modern era.

The rapid development of digital technology has significantly transformed the ways in which faith is experienced, particularly in the lives of adolescents. From the perspectives of digital religion and mediatization of religion, digital space is no longer merely a medium, but has become a cultural arena that actively shapes religious practices and meanings. The study aims to analyze these dynamics, especially within the context of Generation Alpha, by examining the opportunities and challenges that emerge in the lived experience of faith in the digital age. The findings indicate that digital environments offer creative, participatory, and contextual opportunities for evangelization, enabling young people to engage actively in constructing their religious experiences. However, this dynamic is inherently ambivalent, as it also risks reducing the meaning of faith to symbolic, instant, and less sacramentally grounded experiences, detached from the communal life of the Church. Furthermore, the formation of religious identity in digital spaces tends to be fluid and performative, potentially leading to superficial relationships and fragmented identities. Therefore, technologically mediated religious experience should be understood as a bridge, rather than a substitute, for authentic faith encounters. The Church is thus called to adopt adaptive and reflective pastoral approaches, positioning media as a means of fostering communio without obscuring the essence of faith. An integrative approach through the synergy of Church, family, and educational institutions is essential to balance digital literacy and spiritual depth, ensuring that adolescent faith continues to grow reflectively and remains rooted in real-life experience.

The study aims to analyze the role of digital media as a distracting factor affecting the faith loyalty of Catholic adolescents in their relationship with God amid religious pluralism in Indonesia. The development of digital media has transformed how adolescents understand, express, and live out their faith, while simultaneously presenting both opportunities and ambivalent challenges. This research employs a qualitative approach using a library research method, analyzing various theological, sociological sources, and Church documents. The findings indicate that digital media can serve as a broad and participatory space for expressing faith, but it also has the potential to create distractions in three main dimensions: cognitive, affective, and practical. Cognitively, adolescents experience confusion in understanding faith teachings due to the diversity of information available. Affectively, there is a shift in orientation from a relationship with God toward the pursuit of emotional gratification in digital spaces. Practically, there is a decline in engagement in concrete religious practices. Within the context of religious pluralism, this complexity intensifies and influences the formation of adolescents’ faith identity. This study also finds that digital media does not only have negative impacts but also holds positive potential as a means of deepening faith when used critically and reflectively. Therefore, the role of the Church is essential through contextual, dialogical, and integrative pastoral accompaniment combined with critical digital literacy. Through this approach, adolescents are expected to integrate their digital experiences into a more mature, authentic faith life rooted in a deeper relationship with God.

This study aims to analyze the relevance of Robert Raikes' Christian educational thinking to the character formation of children in contemporary Sunday School services. This study uses a qualitative approach with a library research method. Data were obtained from various literature sources such as books, scientific journals, and research articles related to Christian education, character education, and the history of Sunday School development. Data analysis techniques were carried out through the stages of data reduction, grouping themes, interpretation, and drawing conclusions using descriptive qualitative methods. The results show that Robert Raikes' thoughts remain relevant in modern Christian education, especially in the formation of children's character through the teaching of God's Word, discipline, role models, and the instilling of Christian values. Sunday School plays an important role as a means of fostering faith, morality, and social responsibility in children from an early age. In addition, the challenges of the digital era require churches to develop more creative, interactive, and contextual learning methods without abandoning the basic values ​​of the Christian faith. This study confirms that the success of children's character formation depends not only on the church, but also on the role of Sunday School teachers and families who work together to build a conducive spiritual environment. Thus, Robert Raikes' thinking makes an important contribution to the development of Christian education that is relevant in the modern era.

The Tandak Timang tradition in Batu Badinding Village, Central Katingan District, plays an important role in fostering the faith of children aged 1-5 years, which is carried out by parents. From an early age, children are introduced to faith values through Tandak Timang verses that contain advice, prayers, and praise to God. This study aims to (1) describe the role of parents in fostering the faith of children aged 1-5 years through the Tandak Timang tradition in Batu Badinding Village, Central Katingan District; and (2) describe the values implemented by parents for children aged 1-5 years in Batu Badinding Village, Central Katingan District. The research used a qualitative descriptive method with data collection techniques including observation, interviews, and documentation.The results show that Tandak Timang plays a significant role in shaping children's spiritual foundation. Parents' roles are manifested through daily practices, such as singing, storytelling, and rocking children while chanting verses in the Dayak Ngaju language. This practice not only builds strong emotional bonds but also serves as an effective medium for instilling noble values. These values include cultural values, moral and ethical values, ancestral values, and spiritual values that teach children about the importance of prayer and hope in God.The conclusion of this study is that parents act not only as cultural inheritors but also as educators, role models, and facilitators. They utilize intimate moments when putting children to sleep—through singing, storytelling, and rocking—to instill faith values. The strong physical and emotional interaction builds a solid bond, making it easier for children to accept and internalize a deep understanding of the teachings conveyed. The Tandak Timang tradition is rich in noble values that serve as the foundation for faith formation. These values include cultural values, moral and ethical values, ancestral values, and spiritual values. The suggestions put forward are that parents should further understand the meaning of Tandak Timang for fostering children's faith from an early age, and pass on and preserve the character of children through this Central Kalimantan Dayak culture. For subsequent researchers conducting similar studies, it is recommended to develop the research objectives and focus more specifically on the research topics.

This research is based on the importance of studying Malay-Jawi religious manuscripts as a source of transmission of Islamic teachings in the archipelago, particularly in the field of monotheism. The study aims to examine the textual content of Jawi manuscripts containing the treatise of monotheism, especially the concept of the sentence of monotheism and the attributes of twenty, and to explain their position in the intellectual tradition of Malay Islam. The research employs This research is based on the importance of studying Malay-Jawi religious manuscripts as a source of transmission of Islamic teachings in the archipelago, particularly in the field of monotheism. The study aims to examine the textual content of Jawi manuscripts containing the treatise of monotheism, especially the concept of the sentence of monotheism and the attributes of twenty, and to explain their position in the intellectual tradition of Malay Islam. The research employs a qualitative method with a philological approach and content analysis. Primary data consist of Jawi manuscripts, while secondary data are obtained through library research. Data were collected through documentation and literature review and analyzed descriptively. The findings reveal that the manuscripts contain systematically arranged monotheistic teachings, including the meaning of lā ilāha illa Allāh through the principles of negation and affirmation, as well as the concept of faith involving the heart, speech, and actions. The manuscripts also explain the twenty attributes within the classifications of nafsiyah, salbiyah, ma‘ani, and ma‘nawiyah, reflecting the theological framework of Ahlussunnah wal Jama‘ah. These manuscripts function as both religious texts and pedagogical media, highlighting the importance of preserving Nusantara Islamic manuscripts as part of the region’s intellectual heritage.

Prayer (ṣalāh) holds a central and indispensable place within the Islamic faith as one of the most fundamental acts of devotion. This study is designed to investigate the extent to which salah contributes to the formation and strengthening of religious consciousness among Muslims, as manifested in changes to individual attitudes, conduct, and discipline in everyday life. Employing a qualitative design grounded in library-based research, this study draws on primary Islamic sources, including the Qur'an and prophetic traditions, alongside relevant contemporary scholarly works. The findings reveal that the consistent practice of salah, carried out with sincerity and mindfulness, plays a meaningful role in cultivating spirituality, deepening the bond between humanity and the Creator, and fostering conduct that aligns with Islamic values. Moreover, salah is demonstrated to serve as an effective mechanism for self-regulation, discouraging unethical behavior while enhancing individual moral character. In conclusion, salah transcends its ritual dimension to function as a vital and holistic instrument for building comprehensive religious consciousness in the daily lives of Muslims.

This study aims to describe the implementation of instilling Islamic Religious Education values in the aspects of the Qur’an and Aqidah at TPQ Fattuhul Qulub, Doyo Baru District. The background of this research is based on the importance of Islamic religious education in shaping children’s character and morals from an early age amid the decline in the morality of the younger generation. TPQ, as a non-formal educational institution, has an important role in instilling Islamic values through learning the Qur’an, aqidah, and morals. However, in its implementation, several obstacles are still found, such as the low understanding of students regarding religious values, varying abilities in reading the Qur’an, and the lack of support from family and community environments.This study employed a descriptive qualitative approach. Data were collected through observation, interviews, and documentation at TPQ Fattuhul Qulub, Doyo Baru District. The focus of the research includes the planning, implementation, and evaluation processes of instilling Islamic Religious Education values in the aspects of the Qur’an and Aqidah.The results of the study indicate that the instillation of Islamic Religious Education values has been carried out through structured stages of planning, implementation, and evaluation. The learning process was conducted using the methods of Iqra’, tahsin, tahfidz, talaqqi, lectures, role modeling, habituation, and exemplary stories. In the Qur’anic aspect, students were guided to read the Qur’an according to tajwid rules and memorize short surahs, while in the Aqidah aspect, students were taught the pillars of faith, the attributes of Allah and His Messenger, and the formation of Islamic morals. The evaluation results showed improvements in Qur’anic reading skills, memorization, understanding of aqidah, and changes in students’ religious behavior, such as becoming more disciplined, polite, and diligent in worship. This success was supported by the exemplary behavior of the teachers and the involvement of parents in the learning process.

Christology is a branch of Christian theology that discusses the person and work of Jesus Christ as the core of the Christian faith. The development of the modern era, characterized by globalization, pluralism, technological advancement, and cultural diversity, presents new challenges in understanding Christ in a relevant and contextual manner. This research aims to examine the development of Christological reflection in various life contexts and explain its application in contemporary life. The research uses a qualitative approach with a literature study method thru the examination of various classical and modern theological literature from both Protestant and Catholic traditions. The analysis was conducted using a historical-critical approach to understand the development of Christological thot from the early church period to the modern era. The research results show that Christology is not only doctrinal but also has practical dimensions related to personal, social, cultural, interfaith dialog, ecological, and modern challenges. Christological reflection affirms that Jesus Christ is understood as the true God and true man, serving as the foundation of spirituality, ethics, and social action for Christians. Furthermore, the contextual Christological approach helps the church present Christ's teachings relevantly in a pluralistic and dynamic society. This research implies the importance of developing contextual, inclusive, and transformative theology so that the Christian faith remains meaningful in modern life.

This study examines the contribution of Anselmus dari Canterbury in addressing the tendency of anti-intellectualism in certain theological practices that separate faith from reason. The background of this research lies in the growing assumption that faith does not require philosophical reflection, which often leads to subjective and uncritical interpretations of sacred texts. The objective of this study is to analyze Anselm’s concept of fides quaerens intellectum as a framework for integrating faith and reason. This research employs a qualitative method with a philosophical and hermeneutical approach, focusing on textual analysis of Anselm’s works and relevant scholarly literature. The findings show that Anselm does not oppose faith and reason but emphasizes that faith naturally seeks understanding. This integration prevents arbitrary interpretations and strengthens the rational foundation of belief. The study implies that Anselm’s thought remains relevant for contemporary theological discourse, especially in promoting a balanced and critical understanding of faith in modern religious contexts.

Technological developments have brought significant changes to various aspects of human life, including church life. These changes also impact intergenerational relationships within the congregation. This paper aims to examine the challenges faced by church leaders at GEKISIA Depok in serving Generation X, Millennials, and Generation Z, and to examine the relevance of the theological principle of Romans 12:2 in addressing these challenges. Ultimately, the author observes that differences in generational characteristics influence communication patterns, ministry models, and congregational expectations of church leadership. Therefore, church leaders in the digital age are required to be adaptive, transformative, and remain rooted in biblical values. Romans 12:2 serves as an important theological foundation for Christian leaders to experience a renewed mindset so they can serve according to God's will without being influenced by worldly patterns. Furthermore, the challenge of cross-generational leadership is not merely practical in nature, but also theological. Each generation brings different experiences, values, and perspectives in understanding faith and spirituality. Generation X tends to value institutional stability and loyalty, while Millennials are more oriented toward authentic experience and community. Generation Z, having grown up entirely in the digital age, communicates and expresses faith in ways that differ greatly from previous generations. In this context, church leaders are called to become bridges between generations, rather than simply following trends or rigidly preserving tradition.

This study examines eschatology within the framework of Catholic faith as a reflection of faith and hope of salvation, not merely as a depiction of the end times. The background highlights the need to avoid reducing eschatology to a sole event of judgment day, by emphasizing the close relationship between eschatology, Christology, and soteriology, as well as the role of faith in the daily life of Catholic believers. The aim of the study is to articulate eschatology as an integrative framework that connects faith, hope, love, sacraments, liturgy, and inculturation in the Church’s praxis, and to consolidate the active participation of the faithful in the Kingdom of God, which has been initiated but not yet completed. The research method is descriptive-analytical literature review, comparing the views of experts, the Church Magisterium, and contemporary liturgical and theological documents to construct a comprehensive theoretical framework. The main findings indicate that Catholic eschatology functions as a moral and spiritual engine: (1) it integrates the “already and not yet” in the experience of faith; (2) it links eschatological hope with the actions of love, justice, and social liberation; (3) it bridges private faith with sacramental practice and inculturation. Theological and pastoral implications include strengthening faith formation, participation in liturgy, and an imaginative response to present-day social and environmental challenges. This narrative affirms a living, inclusive, and relevant eschatology for the Church’s life of faith in the contemporary era.

This research examines digital charity practices within Christian media communication on YouTube, focusing on two distinct donation formats: marapthon live stream donations (e.g., 24‑hour fundraising events) and sermon‑based donations (offerings collected during or after online worship services). Despite the rapid growth of faith‑based online giving, a critical problem remains: the absence of an integrated system that aligns these two donation models with Christian values of transparency, accountability, and community stewardship. Existing platforms often treat live marapthon and sermon donations separately, leading to fragmented donor experiences and inefficient fund utilization. Therefore, this study aims to develop a conceptual framework for an integrated digital charity system by comparatively analyzing media communication strategies in both donation contexts. The proposed method is a netnographic comparative analysis, involving systematic observation of YouTube comments, chat logs, and video descriptions from 10 Christian channels (5 marapthon‑focused, 5 sermon‑focused) over six months, supplemented by semi‑structured interviews with content creators and donors. The main findings reveal that marapthon donations emphasize urgency and real‑time social proof, while sermon donations rely on theological framing and pastoral trust. The synthesis proposes a hybrid system architecture incorporating real‑time donation tracking, automated acknowledgment, and weekly theological reflection modules. In conclusion, integrating both models into a single development framework enhances donor engagement and aligns digital charity with Christian communication ethics, offering practical guidelines for church‑based YouTubers and platform developers.

This study analyzes the adaptation of digital branding practices carried out by the Pimpinan Pusat ‘Aisyiyah Majelis Tabligh dan Ketarjihan (PPA MTK) through its Instagram account @ppa.majelistablighketarjihan. The study employed a qualitative descriptive approach using content analysis, documentation, and limited participatory observation. Data were collected from the Instagram accounts @aisyiyahpusat and @ppa.majelistablighketarjihan, organizational documents, workshop materials, and digital tabligh guidelines. The findings show that PPA MTK adapted several branding elements from the central organizational account, including visual identity, hashtags, audience greetings, and communication planning structures. However, the adaptation process did not emerge through formal organizational obligations but developed collaboratively through workshops and shared organizational identity. The study also found differences in communication orientation and content pillar structures between the two accounts. While @aisyiyahpusat emphasized broader institutional communication themes, @ppa.majelistablighketarjihan focused more on digital tabligh communication. These findings indicate that branding adaptation within faith-based women organizations may develop through organizational interaction and functional communication differentiation rather than rigid communication standardization.

Multicultural competence refers to an individual's capacity to navigate and value the diversity within their environment. This skill is essential for all strata of Indonesian society, given Indonesia's diversity in ethnicities, cultures, languages, and faiths. Teachers occupy a pivotal role in fostering multicultural competency within society, as they engage directly with pupils on a regular basis. Teacher intercultural competency has three primary dimensions: knowledge, attitudes, and skills. Multicultural knowledge can be acquired through multiple avenues, including formal education, specialised training, or firsthand experience with varied populations. Multicultural education seeks to equip students with an awareness of the complexities of variety in society, enabling them to coexist amicably. The fundamental principles of multicultural education encompass equality, democracy, pluralism, and tolerance. Educators, as pivotal participants in the educational process, are anticipated to comprehend multicultural values conceptually and to incorporate them into everyday instructional activities. Consequently, the multicultural competency of educators may cultivate students who are not only academically proficient but also possess an inclusive mindset, value diversity, and are prepared to engage in a pluralistic society.

This study is motivated by the importance of understanding theology not merely as a theoretical concept, but as a reflection of faith that is lived within the cultural context of society. In the context of the Dayak community in Central Kalimantan, there is a close relationship between cultural values and spiritual life, thus requiring a theological approach that can bridge the two. This study aims to analyze the praxis model in contextual theology and its application in the life of the Dayak community. The method used is a descriptive qualitative approach through literature study by examining various relevant sources. The results show that the praxis model emphasizes the relationship between lived experience, faith reflection, and concrete action. Cultural values such as togetherness and mutual cooperation are in line with Christian teachings; however, there are also traditional practices that create tension with faith. The church plays an important role in addressing this through a dialogical and reflective approach. The implications of this study indicate that the application of the praxis model enables believers to live out their faith in a contextual, relevant, and transformative way in daily life without losing their cultural identity.Top of Form

This study aims to examine the methods, models, strategies, as well as the design and development of the Christian Religious Education curriculum within the family. The research employs a qualitative approach with a descriptive type through library research, using data sources such as books, scientific journals, and relevant articles. The results of this study indicate that faith education in the family should be carried out holistically through various methods such as modeling, habituation, teaching, and mentoring. In addition, educational models such as the theocentric, relational, and participatory models provide clear direction in nurturing children’s faith. Effective strategies include modeling, dialogical communication, spiritual habituation, mentoring, and discipline based on love. Meanwhile, a simple family-based curriculum that includes objectives, materials, methods, media, and evaluation is essential to support a well-directed educational process. The success of Christian Religious Education in the family largely depends on the active role and consistency of parents in implementing methods, models, strategies, and curriculum in an integrated manner. With the right approach, the family can become an effective center of faith education in shaping children who are faithful, have strong character, and are prepared to face life’s challenges.