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For the first time in Indonesia, banking regulations have begun to be systematically regulated in Law no. 14 of 1967 which discusses the principles of banking is used as a guideline for the regulation of banking in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, therefore it is necessary to specifically establish sharia banking itself in a law, with the establishment of Law no. 21 of 2008 concerning sharia banking. For a long time, banking in Indonesia has made law no. 14 of 1967 concerning the basic principles of banking as guidelines for every bank in Indonesia. In 1992, the establishment of Bank Muamalat Indonesia was the beginning of the recognition of sharia banking in Indonesia. Then with the enactment of Law no. 7 of 1992 concerning banking, as amended by Law no. 10 of 1998 explicitly discusses that in Indonesia there are two banking systems, namely conventional banking and sharia banking. The regulations regarding sharia banking in this law are considered not yet specific, so a law that is clearer and complements the shortcomings of the previous law is needed. Therefore, Law no. 21 of 2008 concerning sharia banking. The final conclusion in this research is that the public recognizes and prefers sharia banking as regulated in Law No. 21 of 2008 because this law can explain and answer specifically the problems that exist in society regarding banking in Indonesia and with the birth of law no. 21 of 2008 is expected to provide justice and togetherness to all Indonesian people based on sharia principles which refer to Islamic law in order to achieve equal distribution of social welfare.

Cenil or Cetil is a traditional food or snack made from a mixture of starch and granulated sugar, colored, shaped into small balls, eaten with grated coconut. Cenil is a traditional Javanese snack, especially in the East Java area. Cenil mbok mini was founded in 1967 and is still active until now in 2023, so for around 56 years cenil mbok mini has become one of the culinary mainstays of Mojowiryo village, Kemlagi subdistrict, Mojokerto regency. Cenil is neatly packaged and increasingly modern in terms of packaging and manufacturing methods. This Community Service aims to introduce traditional food to the community, as well as to preserve traditional food so that it does not become extinct. The method used in this training is Preparation Step, Implementation Step, and Evaluation Step. As a result of this dedication, traditional snacks have labels to be marketed. Marketing strategies can help improve MSMEs.

Abstract. Public transportation is often considered a practical solution for reducing traffic congestion. However, initial surveys conducted after implementing the TEMAN Bus service along Corridor 2 showed low enthusiasm among commuters. Only 14.103% of them used the service. This study aims to identify areas for improvement to increase public interest in utilizing this service. Corridor 2 runs from Mall Panakkukang to Sultan Hasanuddin International Airport and vice versa. The study focuses on four main categories of variables: service level, service quality, socialization/information, and stop services. To assess public interest in the TEMAN Bus service along Corridor 2, this study used observations and distributed questionnaires. The questionnaire data was then analyzed using Structural Equation Modeling (SEM) after undergoing validity and reliability tests. The study found that the variable of stop services was the primary factor contributing to the low level of public interest. Keywords: teman bus; trans mamminasata; public transportation; SEM   Abstract. Transportasi massal merupakan salah satu pilihan yang tepat dalam mengatasi kemacetan. Namun setelah beroperasi, berdasarkan hasil pra survei yang peneliti    lakukan,antusias masyarakat yang menggunakan TEMAN Bus masih sangat rendah untuk rute koridor 2 dengan persentase 14,103%. Oleh karena itu, perlu dilakukan suatu perbaikan untuk meningkatkan minat masyarakat untuk menggunakan TEMAN Bus Trans Mamminasata rute koridor 2 (Mall Panakkukang – Bandara Internasional Sultan Hasanuddin dan sebaliknya). Variabel yang digunakan dalam penelitian ini ada 4 kategori diantaranya tingkat pelayanan, kualitas pelayanan, sosialisasi/informasi dan layanan halte. Penelitian ini dilakukan pada trayek TEMAN Bus Trans Mamminasata rute koridor 2 dengan melakukan observasi langsung dan penyebaran kuesioner untuk mengetahui tingkat minat masyarakat dalam menggunakan TEMAN Bus. Data dari hasil kuesioner diolah dengan melakukan uji validitas dan reliabilitas kemudian melakukan analisis menggunakan Structural Equation Modeling (SEM). Hasil dari pengolahan tersebut menunjukkan faktor rendahnya minat masyarakat adalah variabel layanan halte. Keywords: teman bus; trans mamminasata; transportasi massal; SEM.

This journal discusses cognitive development during early childhood. The aim of writing the journal is to find out how cognitive development occurs during early childhood, the advantages of cognitive development during early childhood, as well as language abilities and other cognitive abilities. The method used is literature study, namely by searching for materials and references from books, journals and articles. The results show that the early childhood period is called preoperational, this period starts from the age of 2 to 7 years. Preoperational uses symbols, categorization, and numbers. Other cognitive abilities are life, death, bodily functions, space, weight, numbers, time, social impressions, beauty and cuteness.

Making fake nails using coconut coir is product that can beautify your appearance, reduce the accumulation of coconut coir waste and can be used as an opportunity for entrepreneurship. The purpose of this study is to find out and explain the process of making fake nails, product validation, and public acceptance of the Utilization of Coconut Coir as a Fake Nail Innovation. The methods used are observation, literature, experiments, documentation, interviews, and questionnaires. The process of making coconut coir fake nails goes through 3 stages, namely preparation of tools and materials, the process of making coconut coir fake nails, and attaching accessories to fake nails. There was evidence of product validation by 5 validators with the result that fake nails from coconut coir waste which had a reddish-brown color, smooth texture and very clear fiber motifs were the most chosen by the validators. The public test results in the average color category obtained 2.5 are very fond of (3). In the average texture category, 2.5 is very like (3) and for the pattern category, the average is 2.6, very like (3). A total of 3 average categories obtained, namely 2.545, are included in the very like category so that the product can be accepted by the community and can be used as a business opportunity. The advice given is another, faster technique for attaching coconut coir to fake nails.

People really like hair coloring. However, most people do not know about natural dyes that can be used as basic ingredients for making hair dye and also lack understanding in choosing natural dyes used for coloring. For this reason, safe alternative dyes are needed, namely by developing natural dyes from plants that can be found nearby. This research aims to a) Analyze the results of hair coloring using teak leaf color extract, b) Analyze the results of hair coloring using henna leaf color extract, c) Analyze the comparison of hair coloring results using duan teak color extract and henna leaf color extract. This type of research is pre-experimental. The design used is a one shot case study. The population of this research is students of Cosmetology and Beauty, Class of 2023, Padang State University with 6 samples and 7 panelists. Data collection techniques are observation, documentation and questionnaire methods. The data analysis techniques used are normality test, homogeneity test and t test. Based on the results of research on hair coloring using teak leaf color extract, the color sharpness aspect is in the sharp category. In terms of evenness, the color has an uneven category. In terms of likes, panelists have categories of likes. Based on the results of research on hair coloring using henna leaf color extract, the color sharpness aspect is in the very sharp category. In the aspect of color evenness, it has an average category. In terms of likes, the panelists have a very like category. It can be concluded that there is a difference in the results of hair coloring using teak leaf color extract and henna leaf color extract. Where the average results of hair coloring using henna leaves are better than hair coloring using henna leaf color extract.

Based on research conducted in SMK NU 01 Kendal, especially in fashion drawing learning in class X busana butik still uses conventional learning with blackboard media, the learning media is less effective because it requires a lot of energy and time for learning material that contains many pictures and tutorials that need to be delivered repeatedly. This study found a solution that is the design of learning media using the Computer Assisted Instruction (CAI) method, a system for delivering interactive multimedia-based learning with instructional material presented by means of a computer or computer system., so that it can help teachers deliver material effectively, and make students learn with high motivation because they are interested in multimedia systems that are able to present the appearance of text, images, videos, sounds and animations. The validation value by media experts shows that the value of 3.1 is classified as good / valid, and the validation results from material experts show a value of 3.5 which is categorized as very good / very valid, and an increase in the percentage value of effectiveness from 50.4% to 81.7%. and there is time efficiency, one of material such as collar images can save up to 18 minutes.

Teras Muzaka Lubuk Basung coffee shop is one of the coffee shops established in Lubuk Basung and has many customers. Based on observations made by the Teras Muzaka Lubuk Basung Coffee shop, it has several problems, including instability in the number of orders, consumers do not get an attractive impression when visiting, consumers only focus on one product so they do not recognize the Teras Muzaka Lubuk Basung Coffee shop brand, Teras Muzaka Coffee shop Lubuk Basung is not yet the main choice for consumers and there is a tendency for consumers to compare Teras Muzaka with other competing coffee shops.This type of research is classified as a quantitative research method with a causal associative approach. This research was conducted to see whether there is an influence of Brand Awareness on purchasing decisions at Teraz Muzaka Lubuk Basung, as well as to see the relationship between these two variables. The sampling technique used was purposive sampling. The number of samples was determined using the Slovin formula. The number of samples used was 377 respondents.Based on the research conducted, the following results were obtained: the level of respondents' achievement in the Brand awareness variable was 64% in the not good category and the purchasing decision variable was 73% in the quite good category. The results of the simple linear regression test obtained a calculated F value of 61.318 with Sig 0.000 < 0.05, so regression can be used. This means that brand awareness has a significant influence on purchasing decisions. The result of the regression coefficient equation is 0.538 with a sig value. 0.000 < 0.05. The R square value is 0.138, meaning that the Brand awareness variable has an influence of 13.8% on purchasing decisions at the Teras Muzaka Lubuk Basung Coffee shop and 86.2% is influenced by other variables not discussed in this research.    

This study aims to determine the position of the object of the fiduciary guarantee transferred by the debtor based on the agreement with PT. Pegadaian and to determine the efforts to settle the credit transferred by the debtor. This research was conducted at PT. Pegadaian Pasar Butung Makassar and used the Normative-Empirical research type method. The approach is carried out with literature in reality based on interviews and documentation. The results of the study indicate that to determine the legal position of the object of the fiduciary guarantee transferred by the debtor, registration is required. PT. Pegadaian does not register a fiduciary guarantee in its entirety with consideration of costs, so that the legal position of the object of the fiduciary guarantee has a legal weakness in the sense of lack of legal certainty for creditors, because the debtor has violated the provisions of Article 23 paragraph (2). In addition, to settle loans with fiduciary guarantees whose objects are transferred by the debtor, PT. Pegadaian takes a negotiation method with the debtor and the third party who receives the transfer of the object of the fiduciary guarantee, namely by replacing the object of the collateral transferred to the third party with the object belonging to the debtor whose value is equivalent to the object of the guarantee that has been transferred, because PT. Pegadaian has material rights over the object of collateral.

The objective of this research is to assess the utilization of Canva application as a biology learning media at SMA Negeri 1 East Siau. 2. To assess the efficacy of utilizing the Canva application as a Biology learning medium in improving student learning outcomes at SMA Negeri 1 East Siau. This research instrument employs a combination of interviews, questionnaires, and test questions. Subsequently, the data is examined utilizing the percentage calculation. The research yielded a design for electronic-based media, which involved several stages: needs analysis, design, validation and revision, and testing and implementation. The effectiveness test results, validated by media experts, yielded a 95.38% rating in the highly feasible category. Similarly, the material experts rated it as very feasible with a score of 98%. Furthermore, 92.31% of students who participated in the trials found it to be very feasible. This is supported by the average pretest score of 59.3, which increased to 89.33 in the posttest, resulting in a gain score of 0.73. Therefore, utilizing the Canva application as a digital learning platform is highly appropriate for enhancing the academic achievements of 10th grade students at SMA Negeri 1 East Siau.

This article discusses the development of sharia banking in Indonesia, with a focus on the financial performance of PT Bank Syariah Indonesia. After experiencing the financial crisis in 1998 and the global crisis in 2008, Islamic banks continued to exist and showed resilience to the impact of the crisis. In 2015, the government plans to merge three state-owned sharia banks to increase efficiency and encourage sharia economic growth. The purpose of this article is to evaluate the financial performance of Bank Syariah Indonesia based on profitability, liquidity and solvency ratios. The research method uses a quantitative descriptive approach with data analysis from Bank Syariah Indonesia's financial reports for the 2021-2022 period. The research results show good financial performance, with profitability, liquidity and solvency ratios entering the good to very good category. This article contributes to understanding the contribution of Islamic banks to the national economy through financial performance evaluation.

School is a very important place where many aspects of life are taught. However, lately news about bullying cases in schools is often found. Bullying can be categorized as bad behavior or deviant behavior, this is because this behavior has a serious impact on the victim. Based on the various problems and solution studies that have been described, it is necessary to make efforts to prevent bullying behavior. One solution to prevent bullying behavior is a psychoeducation program that is integrated with Islamic moral values such as tolerance and courtesy as one of the reinforcements and supports the success of a guidance for behavior change. The method carried out in this activity is divided into several stages, namely (1) preparation stage, (2) implementation stage, and (3) evaluation stage. This activity produces several products, namely digital posters and guidebooks for teachers and students. The final results of Islamic moral psychoeducation show that students have an understanding of the behaviors that include bullying and understand how to prevent bullying behavior based on Islamic moral values.

White collar crime is increasingly prevalent in various corporate sectors and causes significant financial losses and damage to public trust. This type of crime includes embezzlement of funds, manipulation of financial statements, bribery, insider trading in the capital market, and theft of customer personal data. Although it occurs a lot, the prevention of white collar crime is still not optimal and the perpetrators are rarely prosecuted properly. This paper aims to analyze the various determinants that influence the occurrence of white collar crime in order to formulate policy recommendations and prevention strategies in the future. A systematic approach is used by applying the fraud triangle theory which focuses on the three main elements that cause fraud, namely pressure, opportunity and rationalization. The results of the study show that pressure to meet high performance targets and large bonuses often encourage individuals to commit fraud. Meanwhile, weak supervision and lack of transparency create opportunities for fraud. Perpetrators also often justify their actions, for example by assuming that they will not be caught or the value of the loss is small. The complexity of modern corporate operations also increases opportunities for white-collar crime. Effective prevention efforts must be comprehensive by involving various parties and strengthening a number of aspects as controls. The role of internal and external supervisors (auditors) of companies needs to be continuously improved, supported by modem fraud detection technology tools. Whistleblowing mechanisms need to be strengthened in every company and kept confidential to encourage early reporting of fraud indications.

One of the skills that requires understanding is writing. Social life is never separated from activities that require writing. Writing even becomes a culture in a region such as the Malay land, one of which is Riau which has Arabic Malay writing. Malay Arabic which is a cultural treasure is preserved by the implementation of local content of Malay Arabic lessons from elementary school level. This study aims to determine the understanding of Indonesian Language and Literature Education Study Program Batch 2021 A Riau University Students towards Malay Arabic Writing. This research uses descriptive method with quantitative approach. Quantitative descriptive research method is a method that aims to create a picture or descriptive of a situation objectively using numbers, starting from data collection, interpretation of the data and the appearance and result. The results of the research showed that the understanding of Arabic Malay writing was good with a percentage of 90%, the ability to understand Arabic Malay writing was adequate with a percentage of 60%, and the ability to understand Arabic Malay writing was poor with a percentage of 50%. Overall, Indonesian Language and Literature Education Study Program students' understanding of Malay Arabic Writing is in the poor category with an average percentage of 67%.    

Literary works are human-made products that express the creation’s thoughts, ideas, understanding and feelings about life in imaginative and emotional language. As imaginative works, literary works have an interesting and useful function in unriching the readers inner experience. The aim of this research is to describe the behavior of the main character using the personality structure analysis of sigmund Freud theory which consists of ideas, ego, superego. The type of method used is descriptive qualitative, this method serves to simplify a problem so that i tis easier to break down and understand and easier to descriptive carefully and systematically about the novel Senja, Rain, & Stories That Have Been Finished by Boy Candra. The steps taken in data analysis and data collection are by grouping data according to Freud’s personality structure.

Japanese papaya leaves (Cnidoscolus aconitifolius) contain active compounds such as flavonoids, tannins, saponins, alkaloids and terpenoids which have the potential to have antibacterial activity. The aim of this research is to determine the antibacterial activity of Japanese papaya leaves against Staphylococcus aureus bacteria. Extraction of Japanese papaya leaves has been carried out using the maceration method and 96% ethanol solvent. The antibacterial activity test used the agar diffusion method using a cylindrical plate. Sterile distilled water was used as a negative control while as a positive control the antibiotic ciprofloxacin was used. The concentrations of Japanese papaya leaf ethanol extract used in testing were 10%, 20%, and 30%. The research results showed that Japanese papaya leaf ethanol extract with a concentration of 30% had the widest inhibition zone diameter, namely 17.296 mm. Meanwhile, at a concentration of 20%, the average inhibitory zone diameter was 15,222 mm, and at a concentration of 10%, the average inhibitory zone diameter was 13,018 mm. These three concentrations were included in the strong category based on Greenwood classification.  

The development of the business world has increased rapidly in the modern era like today. This causes intense competition between business actors in developing their products in the face of developments in the business world. Micro, small and medium enterprises or MSMEs now play a very important role in the growth of the economy in Indonesia. Mrs. Maubah's porridge business is one of the MSMEs in Cilegon City, Banten which operates in the food sector. This business can provide jobs for the local community. My mother's porridge business itself is a type of food business which sells various variations of porridge and various other fried foods. This research aims to find out what marketing strategies are implemented by Ibu Majadi's porridge business to increase sales. Carrying out a SWOT (Strength, Weakness, Opportunity, and Threat) analysis in determining the marketing strategy. This research is included in qualitative descriptive research, because it aims to describe the situation of phenomena in the field. Researchers used data collection methods in research, namely observation and interviews. To find out how the strategy is used, the Swot Analysis Method (Strength, Weakness, Opportunity and Threat). From the results of the SWOT analysis, it was concluded that the results of the IFAS (Internal Factor Analysis Summary), for the strength and weakness variables, each obtained a strength value of 1.89, while a value of 1.00 was obtained for weaknesses. This means that the strengths of Mrs. Matahu's porridge business are greater than the weaknesses. Meanwhile, the value obtained for the EFAS (External Factor Analysis Strategy) Matrix was 1.47 for opportunities, while the value for threats was 0.64. This means that for Mrs. Matahu's porridge business, the opportunity value is greater than the threat value. From the results of the SWOT analysis, it was found that Ibu Ma's porridge business has strengths and opportunities so that it will be able to take advantage of existing opportunities. The strategy that must be implemented in this condition is to support the policy of growing aggression.

This paper aims to describe the application of the learning evaluation system in improving school quality for class IX A students at MTs Ma'arif Gondang. The research is descriptive qualitative research, with qualitative analysis. The research results show that the evaluation of the learning implementation process carried out includes the suitability between the learning process and the learning implementation plan (RPP), the readiness of teachers and students in the learning activities carried out in the classroom. Student participation also plays an important role in learning activities as well as communication carried out by teachers to get feedback from students during the learning process. Providing motivation to students in the learning process is important to increase students' enthusiasm for learning. Students' mastery and desire for specific goals that will be achieved in learning activities. Learning evaluation also includes assessment aspects which include the domains of attitudes, knowledge and skills. The learning evaluation system implemented at MTs Ma'arif Gondang can improve the quality of the school based on the results of the questionnaire obtained in the very good category.

Currently tourism in Indonesia is growing very rapidly. The role of stakeholders is very necessary in planning a tourist destination because it can help to develop tourism potential in a village. This research focuses on discussing community based tourism development collaboration at Pacu jalur events in Kuantan Singingi Regency and what factors inhibit collaboration in community-based tourism development at Pacu jalur events in Kuantan Singingi Regency. The aim of this research is to find out how collaborative community based tourism development is at the pacu jalur event in Kuantan Singingi Regency and what are the inhibiting factors for collaboration in community based tourism development at the pacu Jalur event in Kuantan Singingi Regency using the pentahelix model of 5 stakeholders. This study used qualitative research is descriptive methods. This research found that the roles of each stakeholder are: academics focus on tourism planning based on existing theories, the government focuses on policy makers in developing tourism potential, business actors as nails in creating added value and maintaining economic growth in the surrounding area, and the role of the role of the community is to help manage tourism potential and the role of the media is to promote and help inform the wider community about the spur route. The research results found that collaborative governance has run quite optimally. The inhibiting factors in community-based tourism development collaboration were also revealed, namely, a) Lack of pentahelix coordinators in the development of Pacu jalur tourism, b) Lack of support for road infrastructure access in the development of Pacu jalur tourism, c) Low creativity and innovation at Pacu jalur tourism locations. Through this research, it can be used as an evaluation so that it can increase the efforts of the Department of Tourism and Culture in developing tourist attractions leading to national events. 

Persekutuan Komanditer adalah suatu perusahaan yang terdiri dari satu atau lebih sekutu komplementer dan satu atau lebih sekutu komanditer. Pasal 23 ayat (1) Permenkumham Nomor 17 Tahun 2018 menentukan bahwa persekutuan yang telah terdaftar di Pengadilan Negeri dalam jangka waktu satu tahun setelah berlakunya peraturan tersebut wajib melakukan pencatatan pendaftaran pada Sistem Administrasi Badan Usaha (SABU). Tujuan penulisan ini adalah untuk mengetahui dan menganalisis tanggung jawab sekutu terhadap akta pendirian Perseroan Komanditer yang tidak didaftarkan di Pengadilan Negeri, kedudukan akta pendirian Perseroan Komanditer yang dibuat sebelum berlakunya Permenkumham Nomor 17 Tahun 2018 yang tidak didaftarkan di Pengadilan Negeri, serta fungsi pendaftaran Persekutuan Komanditer sebelum dan sesudah berlakunya Permenkumham Nomor 17 Tahun 2018. Penelitian ini menggunakan metode pendekatan yuridis normatif bersifat deskriptif analisis. Sumber data yang dipergunakan adalah data sekunder yang terdiri dari bahan hukum primer dan sekunder. Metode pengumpulan data dengan studi kepustakaan dengan analisis kualitatif. Hasil penelitian ini menunjukkan bahwa (1) letak tanggung jawab atas pendaftaran pendirian Persekutuan Komanditer ada pada sekutu komplementer (2) akta pendirian Persekutuan Komanditer yang tidak didaftarkan pada Pengadilan Negeri tidak mengakibatkan akta pendirian dan segala perubahannya menjadi akta dengan kekekuatan pembuktian sebagai akta di bawah tangan (degradasi) serta tidak termasuk dalam kategori akta yang dapat dibatalkan ataupun batal demi hukum (3) Fungsi pendaftaran akta pendirian Persekutuan Komanditer pada Pengadilan Negeri dan SABU adalah untuk memenuhi asas publisitas dan untuk sinkronisasi data serta syarat memperoleh Perizinan Berusaha.