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The advent of ChatGPT, a generative AI technology, has initiated significant transformation within the finance sector by allowing users to engage with digital systems using natural language. Despite its promising capabilities, integrating ChatGPT into financial operations introduces a host of ethical concerns that must be rigorously addressed to ensure its appropriate and conscientious use. This policy-focused article begins with a brief overview of ChatGPT’s utility in financial contexts and then examines the ethical dilemmas it raises. These include biased decision-making outputs, the risk of misinformation influencing financial outcomes, data privacy and security vulnerabilities, opacity in algorithmic processes, the displacement of human workers, and complex legal implications. We argue that financial entities adopting ChatGPT have a responsibility to develop and implement comprehensive strategies aimed at mitigating these ethical risks. In support of this goal, we outline policy recommendations designed to directly address these pressing issues. Ultimately, this article emphasizes the urgent need for a robust ethical framework to guide the deployment of ChatGPT in financial environments, ensuring that its implementation benefits both individuals and society. Furthermore, we highlight key areas for future research that can support ongoing efforts to integrate AI responsibly in finance.

Mbatakapidu Village has abundant natural resource potential, especially agricultural waste and local forages that have not been optimally utilized as animal feed. This Community Service. Program (PkM) aims to educate and empower the village community through counseling and training in making silage feed for goats, as a solution in providing quality feed in the area. The implementation method includes location surveys, making silage samples, technical training and direct assistance in the process of fermenting local forage into silage, and program evaluation carried out during March - May 2025. The results of the activities showed an increase in farmers' understanding and skills in processing local feed ingredients into silage, as well as growing awareness of the importance of feed technology in supporting sustainable local potential-based livestock productivity in Mbatakapidu Village.

The tongue is a small part of the body that holds significant power to influence both individual life and community well-being. James 3:1–12 provides a firm warning about the dangers of an uncontrolled tongue, depicting it as a fire, a world of evil, and deadly poison. This study aims to examine the meaning of controlling the tongue as a responsibility of Christian spirituality through a literature review and exegetical-hermeneutical analysis of James 3:1–12. This qualitative research employs primary data from the biblical text (Indonesian Bible Society version and the Greek text) and secondary data from commentaries, Christian ethics books, and theological journals. The findings indicate that controlling the tongue is a sign of spiritual maturity and an essential aspect of Christian discipline that must be continuously cultivated. Disciplined speech reflects living faith and serves as a means to foster love, truth, and peace within the community. This study highlights the need for churches and believers to integrate ethical speech as a core part of their witness in the world.  

The Bukit Tutari Cultural Heritage Area in Jayapura Regency, Papua, has enormous potential to be developed as a sustainable ecotourism destination. This study aims to explore strategies for developing the area by involving indigenous people as the main managers. Through a community- based approach, it is hoped that this development will not only improve local economic welfare, but also preserve cultural and environmental values. This study uses a qualitative method with data analysis from interviews, observations, and literature studies. The results of the study indicate that the involvement of indigenous people in ecotourism management can create synergy between cultural preservation and local economic development.

Sentani Kota Village as a strategic area experiences significant pressure due to population growth and economic activities, facing complex problems including the conversion of agricultural land and forests into residential and commercial areas, low public awareness about sustainable spatial planning, and weaknesses in law enforcement and supervision. This condition potentially threatens the environmental sustainability and ecosystem of Lake Sentani. This study aims to evaluate the suitability of spatial utilization in Sentani Kota Village, Sentani District, Jayapura Regency, focusing on two main issues: the level of conformity between existing spatial utilization and the Regional Spatial Plan (RTRW) guidelines, and the factors that support and hinder the effectiveness of RTRW implementation. Conducting overlay analysis of existing conditions and spatial pattern maps, complemented by field verification at 28 observation points and stakeholder interviews with the Spatial Planning Agency. The results show that 76.5% (2,759.07 hectares) of spatial utilization conforms to RTRW guidelines, while 22.9% (825.98 hectares) remains non-conforming, and 0.6% (21.66 hectares) violates regulations. Supporting factors include routine monitoring protocols, high conformity levels in designated areas, firm enforcement actions, and community leadership involvement. Conversely, hindering factors encompass low public compliance, non-conforming zones prone to violations, inconsistent enforcement responses, various types of violations, limited sanction mechanisms, and inadequate preventive measures. This study recommends targeted enforcement in critical zones, transition planning for non-conforming areas, lake buffer zone management, enhanced community participation, and systematic monitoring protocols to achieve more effective spatial utilization control.

The title of this research is Psychological Problem of the Main Character in James Bird's The Brave. This study aims to determine the psychological problems faced by the main character, the causal factors that contribute to the main character, and what effects of  the psychological issues toward the family relationships and social life of the main character. This data was collected by reading the novel repeatedly and then using the note-taking technique to find statements related to the topic to be analysed. The main and supporting theories that are applied in writing this research are taken from Stanley Rachman and Padmal de Silva in their book entitled Obsessive-Compulsive Disorder (2009).. Based on the results of the analysis, the psychological problems of the main character are found to be Obsessive-Compulsive Disorder from childhood. Obsessive-Compulsive Disorder affects him and the environment by blaming himself, making his anxiety recur, and making his brain panic and traumatized. In addition, the effect of Obsessive-Compulsive Disorder on those around him is that he makes people frustrated and annoyed when talking to him, and he loses hisfriends..

Basketball is a dynamic team sport that emphasizes hand coordination, requiring players to score by shooting the ball into the opponent’s hoop. The game involves five players per team and demands mastery of several fundamental technical skills, including throwing and catching, dribbling, shooting, pivoting, and lay-up techniques. One of the highest individual achievements in basketball is being named the Most Valuable Player (MVP), a title awarded to athletes who demonstrate exceptional performance during a game or tournament. This study aims to analyze the determining factors behind an athlete achieving MVP status, specifically focusing on LeBron James from the United States basketball team during the 2024 Paris Olympics final match against France. The research employs a descriptive method with data collection through document analysis, particularly using official match statistics. The assessment includes both physical performance metrics—such as points, rebounds, assists, blocks, steals, turnovers, and fouls—and psychological aspects, such as mental toughness during competition. Statistical data from the match showed that LeBron James recorded 14 points, 6 rebounds, 1 block, 10 assists, 2 steals, 5 turnovers, and 3 fouls. His shooting efficiency was also high, with a 60% field goal percentage (6/10), 62.5% on two-point shots (5/8), 50% on three-point shots (1/2), and 100% on free throws (1/1). The findings indicate that high contributions in both offensive and defensive aspects significantly influence the MVP designation. This study concludes that MVP recognition is strongly supported by measurable statistical performance and recommends that coaches integrate performance analysis technology to maximize athlete potential based on individual needs.

In today's competitive and dynamic business world, budgeting is no longer viewed solely as an administrative tool but has evolved into a crucial strategic instrument for organizational planning and decision-making. This study aims to explore the strategic role of budgeting in supporting the achievement of organizational goals, particularly through the alignment of short-term and long-term strategies. The method used is a literature study by examining various financial management theories and budgeting practices in several industrial sectors. The results of the study indicate that strategic budgeting can provide clear direction in resource allocation, organizational priority setting, and performance evaluation. In addition to being a control tool, the budget also functions to strengthen coordination between work units and support data-based decision-making. The participation of various stakeholders in the budgeting process plays a crucial role in increasing accountability, transparency, and a sense of ownership in achieving organizational goals. The integration of budget and strategy enables organizations to be more adaptive and responsive to the dynamics of the external environment. Thus, a flexible and participatory budgeting approach is essential so that the budget is not merely a static document but also a dynamic tool in supporting sustainable competitive advantage. This research concludes that strategically oriented budgeting significantly contributes to organizational effectiveness and success in achieving long-term goals.

This study aims to analyze the Public Relations (PR) communication strategy used by PT Gamelan Tour in building the company's positive image. This research applies the Two-Way Symmetric Communication theory developed by James E. Grunig and Todd Hunt, which emphasizes the importance of reciprocal communication between the company and the public. Through this approach, PT Gamelan Tour aims to listen to customer complaints, provide clear explanations,and resolve issues in a transparent and effective manner. Additionally, this study discusses various relevant communicationmanagementmodels,including thetwo-way symmetric model, which helps the company maintain mutually beneficial relationships with its customers. The research methodology uses a qualitative approach, collecting data through in-depth interviews with key stakeholders at PT Gamelan Tour, including Vania Nefrela Regar (Public Relations), Reva Agustina (Ticketing &Hotel), and the company's customers. This study adopts four steps of Public Relations strategy, which include: (1) defining the problem/facts to identify existing issues, (2) planning and programming to formulate effective communication strategies, (3) taking action and communicating to implement the planned strategies, and (4) evaluating the program to assess the success of its implementation and its impact on the company's image. The research findingsindicate that effective communication strategies, whether in the form of feedback, direct communication, or mutual understanding, can improve the company's image and strengthen relationships with customers.This studyalsohighlightstheimportanceofthoroughcommunication planning and consistent implementation to achieve the company's goals in building positive relationships with the public.

This study aims to analyze the language style contained in the book Atomic Habits by James Clear which has been translated into Indonesian by Alex Tri Kantjono Widodo. The method used in this study is descriptive analysis with literature study. The results of the analysis show that the book is presented in a simple and easy-to-understand language style so that readers do not feel burdened when reading more than 300 pages. The delivery of the content of this book makes it more relaxed and interesting. This writing style not only makes the material easy to understand, but also encourages readers to apply the values in the book for them to apply in their lives.

This study evaluates the effectiveness of AI-powered tutoring systems in enhancing personalized English language learning among students in Colleges of Education in Lagos State, Nigeria. The primary objectives include assessing the impact of these systems on students' English proficiency and evaluating their perceptions of usability and effectiveness. Guided by four research questions, the study aims to provide insights into the integration of AI in educational contexts. Employing a survey research design, the study targeted a population of approximately 50,000 final-year students across several Colleges of Education. A sample of 400 students was selected using a combination of convenience and stratified random sampling techniques, ensuring representation from two institutions: the Federal College of Education (Technical) Akoka (FCET) and the Adeniran Ogunsanya College of Education (AOCOED). A structured questionnaire with 30 items was developed and validated, achieving a reliability coefficient of 0.81. Data collection methods included both in-person and online approaches, yielding a response rate of 74.5% (298 completed questionnaires). Data were analyzed using descriptive statistics and t-test for hypothesis testing. The findings revealed a significant difference in English language proficiency between students using AI tutoring systems and those using traditional methods, with the AI group reporting better outcomes. Additionally, students expressed mixed perceptions regarding the usability of AI systems. Major recommendations include enhancing AI system functionalities, providing comprehensive training for users, and addressing technological barriers to ensure effective implementation. This study underscores the potential of AI in education while highlighting the need for ongoing improvements and support mechanisms.

The relationship between ICT and the accounting profession in Nigeria is assessed in this study. A closed-ended, structured questionnaire was used as the research tool in this study and was given to the employees of the chosen businesses. The chi-square statistical tool, a non-parametric test used to ascertain whether a systematic link exists between two (2) variables, is used to assess the data acquired and retrieved from the research instrument used. The data analysis was conducted using the statistical package for social science (SPSS). According to the study's findings, there is a statistically significant correlation between ICT and the accounting profession in Nigeria. The research found that the accounting profession in Nigeria is impacted by the positive and robust relationship of ICT. A nation's rapid economic and social development is largely dependent on its ICT infrastructure, which has had an effect on the accounting profession in one way or another. Hajela (2005). This, result is also consistent with Buseni James's (2003) discovery that workers' skills and ICT use are connected, indicating that companies with high ICT usage also employ more knowledge workers

In the era of globalization, technology increases efficiency in various human activities, including plant cultivation. Chili plants require special care, especially in meeting water needs according to ideal soil moisture, which is 30% -50% for chili. Conventional monitoring methods are inefficient because they require a lot of time and energy. A new breakthrough is needed to continuously monitor temperature, air humidity, and soil moisture. The designed tool will be placed in Cipadung Village to monitor soil moisture in chili plants, which require soil moisture that is not too high. This tool facilitates monitoring through the application, allowing automatic and manual watering. Soil moisture stability is also important for tomatoes, so watering can be regulated through the application display. This tool is useful for monitoring soil moisture levels effectively, supporting plant care with stable soil moisture needs, and facilitating the watering process through the application.

This article examines the theme "Between Worldly Lust and Closeness to God" through an analysis of James 4:1-10 in a contemporary context. The main focus of this article is to explore the conflict between worldly desires and the call to live in humility before God. Through text exgestion, it is found that disputes and dissatisfaction often arise from unsatisfied desires. James emphasizes the importance of self-surrender and humility as a way to draw closer to God, and warns us of the dangers of "friendship with the world" which can alienate us from deep spiritual connection. This article also highlights the relevance of James' teachings in facing the challenges of modern life, where individuals are often trapped in a cycle of ambition and busyness. By applying the principles of humility, repentance, and concrete action, individuals can find deeper meaning and purpose. As a suggestion, it is important for readers to do self-reflection and get involved in a community that supports the spiritual journey. The conclusion of this study is that although worldly challenges are very real, there is a path to achieving closeness to God through awareness and commitment in everyday life.    

This article examines the impact of artificial intelligence (AI) on human rights, focusing on issues such as discrimination, transparency, and accountability. The research analyzes AI applications in areas like law enforcement, employment, and social media, evaluating how AI can both enhance and threaten human rights. The study calls for the development of AI regulations that uphold human rights principles and prevent misuse.

Generation Z is the generation born between 1997 – 2012, who in 2023 will be 11 – 26 years old (Beresford Research). Some of Generation Z in 2024 will be teenagers. During this time, teenagers often face difficult times in finding their identity. Especially in generation Z, who were born in the midst of very rapid developments, especially in the internet era, which requires teenagers to be able to master it well. Along with the positive impacts that occur, negative impacts also affect teenagers today. The challenges and challenges faced by teenagers can have a negative impact on their future success. Therefore, there is a need for mentors around them to direct them. Faith is the basis that generation Z must have to be able to adapt in the search for identity and compete in a very rapid era of development. In this way, the Church plays a very important role in building the growth of faith of generation Z. This faith growth research was carried out at the JKI Mahanaim Church in Blitar City, East Java in order to increase the growth of faith of generation Z in the internet era in Blitar City and form a new concept in the world of pastoral ministries. This research uses a literature study method with a qualitative and descriptive approach. Researchers used James W Fowler's theory of faith growth to determine indicators of Generation Z experiencing faith growth. From the results of this research, it is hoped that Church Leaders and Mentors will pay special attention to the growth of faith and ways to build the faith of Generation Z.

The purpose of this article is to examine the current issues and difficulties that Nigeria's four main transportation modes are facing. The data utilized in this research were gathered by field observations, oral interviews, and a thorough literature search of books, journals, and pertinent government documents. After discussing the difficulties and issues affecting each mode's ability to continue contributing to the nation's economic development, the historical evolution of each mode and its historical role in that development are provided. The main effects of driving being preferred over other modes of transportation are the environmental issues associated with driving and the high rate of traffic accidents on Nigerian roads. There are numerous inland waterways of capacity that is underutilized as a result of the antiquated railway system. Despite being widely utilized, the airways still require significant development and refinement. In order for these modes to continue contributing to Nigeria's economic development, the study offered viable solutions to these issues and obstacles.  

The tradition that has been carried out every year and is believed by the people of Gedongombo Village, Semanding District, Tuban Regency is an activity that cannot be abandoned by the local community. The traditions and habits that are often carried out are the characteristics of the Tuban area. The tradition of nyekar or pilgrimage to the tomb of Mbah Putri Ayu who is the ancestor of the local hamlet is one form of gratitude and respect for the ancestors who have had a great influence on the Wire Hamlet. Mbah Putri Ayu is a descendant of the King of Tuban who was very famous at that time. She has a very beautiful face, is smart and dignified. The focus of the discussion in this study is how the origins, procedures, and ubarampe and the meaning of the ubarampe. This study uses the theory of half-literate folklore from James Danandjaja. The research design uses a qualitative descriptive method to provide a detailed explanation. The data sources used are primary and secondary data, oral data and non-verbal data. The results of the research on the Nyekar Tradition at Pundhen Mbah Putri Ayu in Wire Village, Semanding District, Tuban Regency are related to culture. The traditional activities are supported by local residents ranging from young people to old people.

Improving the quality of life of the community is the goal of Village Fund Allocation (ADD). Improving the quality of life or improving community welfare, especially in villages, requires training and strengthening community capacity. This is the main pillar in planning and managing Village Fund Allocation (ADD) in Skouw Mabo Village. This research was conducted to determine the planning and management of Village Fund Allocation (ADD) in Skouw Mabo Village and what community empowerment activities use Village Fund Allocation (ADD). The method used in this research is a qualitative method with a descriptive approach and using comparative analysis techniques. The results of this research are the planning and management of Village Fund Allocation (ADD) in Skouw Mabo Village in terms of financial administration, the stages have been implemented in accordance with regulations, but in the planning process it is necessary to pay attention and consider priority activities in the village based on local potential so that activities and budget allocation also according to the needs of the activity. Then, in implementing community empowerment activities, the use of funds has been fully realized based on the number of activities and the size of the budget. However, village governments need to pay attention to activities and allocation of financial resources that are more in line with their budgeting priorities, in order to achieve optimal results, namely making the community prosperous and independent.    

When viewed from a cultural perspective, the tourism industry indirectly plays an important role in the development of regional culture. Local wisdom is the potential of a culture that can be developed by the community so that the authenticity of that culture is maintained. It is hoped that the development of a tourism area based on local wisdom will have a positive impact on the people of Asey Besar Village. This research aims to determine the potential of a local wisdom-based tourism area in Asey Besar Village. To find out about the development of a tourism area based on local wisdom in Asey Besar Village, Jayapura Regency. The research method used is a qualitative descriptive method. Based on the research results, it was found that the potential for developing a tourism area based on local wisdom in Asey Besar Village is planned as a strategic area for traditional villages with known resources in the form of natural beauty, and has a landscape character with flora and fauna habitat, clear waters, topography, type of vegetation. Planning for regional development as a tourism area with local wisdom is carried out by increasing and developing investment in the social and cultural spatial structure of regional communities in Asey Besar Village. For the Government and Community, efforts must be made to preserve the potential of local wisdom in Asey Besar Village  which supports tourism by the government and community as those responsible for protecting and maintaining local wisdom while maintaining culture as a characteristic of the tribal community of Asey Besar Village.