Publication Search

The financial literacy level in Indonesia, particularly among vocational high school (SMK) students, remains low. Limited understanding of investments and the high risk of falling victim to fraudulent schemes are major concerns. This financial literacy seminar aimed to provide basic knowledge about investments, their types, steps to start investing, and characteristics of fraudulent investments. The seminar was conducted at an SMK in Bekasi using an interactive lecture method and was attended by 45 students. The seminar began with material presentation, followed by a Q&A session and an interactive quiz. The results showed that most participants understood the material and were able to distinguish between low-risk and high-risk investments. Approximately half of the participants actively engaged in discussions, indicating increased awareness of the importance of financial literacy. Participants responded positively to the seminar and expressed interest in similar programs with different themes in the future. In conclusion, this seminar effectively improved the financial literacy of SMK students and made a positive contribution to building a financially aware younger generation.

Community service activities are carried out in Gunung Putri Village, Gunung Putri District, Bogor Regency. This activity aims to provide support and solutions to the challenges faced by Micro, Small and Medium Enterprises (MSMEs), especially in terms of improving product quality, business management, and market access through training programs, and community counseling. The communities involved can gain new knowledge and skills that can improve the competitiveness of their businesses. These activities include digital marketing training, simple financial bookkeeping, and strengthening local and online marketing networks. In addition, the sustainability of MSME businesses is the main focus, by providing an understanding of the importance of product innovation, knowing the basics and procedures for conducting digital bookkeeping and financial reporting and efficient resource management. The expected result of this community service activity is the creation of MSMEs that are more independent, highly competitive, and able to adapt to technological developments including in terms of financial management. The long-term impact of this program is expected to contribute to the improvement of the local economy in the region.

The conduct of business,whether on a large or small scale,is faced with significant ethical issues.Business ethics refer to the moral  principles that must be upheld by business practitioners.this community service activity (PKM) focuses on MSMEs in the food industry,particularly cake businesses,in  oimbo village.the aim of this activity is to provide an understanding of the business ethics necessary for running a business,especially in densely populated areas. The method offered to partners/MSMEs is in the form of education/socialization using LEAFLETs which are carried out door to door. The material provided in the leaflet includes discussions on (1) The Role of Ethics in Business for MSMEs, (2) Benefits of doing business for MSMEs (3) Application of ethical principles in business in financial, marketing, production and HR activities. The results of the activity showed that partners were very enthusiastic in listening and discussing during the activity. In addition, it can provide knowledge about ethics in running a business.

This study aims to analyze the influence of cultural environment on the implementation of international-scale business. In the current era of globalization, companies operating in international markets must be able to adjust their business strategies to various cultural factors present in the target countries. A different cultural environment can influence various aspects of business operations, including communication, negotiations, decision-making, and human resource management. This study uses a qualitative approach with case studies to understand how multinational companies adapt their strategies when facing cultural challenges in different countries. The findings show that the success of international business implementation highly depends on a deep understanding of local cultural values, as well as the ability to adapt products, services, and communication strategies according to the norms and customs in place. This study also identifies the challenges and opportunities faced by companies in managing cultural diversity to achieve success in international business.

This study aims to analyze participants’ understanding and compliance with sharia principles in the sharia insurance claim process in Indonesia. Sharia insurance, which is based on the principle of mutual assistance and tabarru’ contract, is expected to provide protection in accordance with Islamic law. However, challenges arise in its operational practices, especially in the claim process. This study uses a qualitative approach by interviewing sharia insurance participants to explore their level of understanding of sharia principles, claim procedures, and challenges faced during the claim process. The results of the study indicate that participants’ understanding of sharia principles is still limited, which has an impact on their lack of clarity in undergoing the claim procedure. Some of the main challenges identified include administrative constraints, long claim processing times, and unclear claim procedures. Lack of understanding of sharia principles also worsens the smoothness of claims. Based on these findings, this study suggests the importance of increasing sharia literacy through training, seminars, and educational materials that are easy for participants to understand. In addition, simplification of claim procedures is needed to increase transparency and ensure that the claim process is in accordance with sharia principles. The implication of this study is the importance of improvements in the education system and operations of sharia insurance to improve participant understanding and compliance, as well as strengthen trust in the sharia insurance industry in Indonesia.

This Research Aims To Examine The Influence of Forensic Audit, Anti-Fraud Awareness, External Audit, Individual Morality, And Fraud Knowledge On Fraud Prevention In Organizations. Fraud is a common problem That Often Occurs in Companies Financially and Financially. Using A Literature Review Approach, This Research Compiles And Examines Various Previous Studies Related to Understanding The Relationship Between These Factors. The Results of the Study Show That Forensic Audits Are A Determining Factor in Detecting and Preventing Conditions by Strengthening Supervision and Transparency. Understanding Anti-Fraud Among Employees Is Proven To Strengthen Compliance With Existing Procedures And Provisions. Additionally, External Audits Provide Independent Assessments That Can Reduce Financial Risks. Individual Morality Contributes to the Selection of Ethical Decisions, While Knowledge of Fraud Strengthens The Ability of Individuals and Organizations to Recognize and Prevent Acts From Occurring. These Fings Call for Integrating All of these Factors Into Fraud Prevention Strategies to Create a Safer and More Accountable Environment. It is hoped that this Research Will Provide Insight for Practitioners and Scientists in Designing Effective Policies to Prevent Fraud in Various Sectors.

Debt instruments, particularly those related to preferred and common stocks, play an important role in capital markets and corporate finance. One of the crucial elements that influence investment decisions and corporate policies is debt repayment provisions. Preferred stocks, with higher priority in terms of debt repayment, provide a sense of security for investors because they provide greater protection against the risk of loss. In contrast, common stocks, which have lower priority in debt repayment, offer higher potential returns but with greater risks. This article aims to explore the role of debt repayment provisions in common stocks through an in-depth literature review. The methodology used is a thematic and comparative analysis approach to the existing literature, focusing on the differences in debt repayment rights and their impact on investment decisions and corporate policies. The results show that debt repayment provisions have a significant impact on investment stability, where preferred stocks are more beneficial for conservative investors who prioritize security, while common stocks are more suitable for investors seeking potential returns for conservative investors who prioritize security, while common stocks are more suitable for investors seeking potential high returns despite greater risks. This conclusion provides an important contribution to understanding the dynamics of the capital market and helps investors and companies in designing better financial strategies. Further research is needed to explore the direct effect of debt repayment provisions on capital market performance and stock value in companies.  

The training "Optimizing Social Media in Supporting Local Social and Cultural Campaigns in Palembang City" was held with the aim of improving the understanding and skills of the community, especially cultural community actors, in utilizing social media as a tool to introduce and preserve Palembang's local culture. The background of this training is driven by the rapid development of digital technology, which opens up great opportunities for the City of Palembang to promote its rich culture and traditions to a global audience. Training activities are carried out in the form of theoretical and practical sessions, which include content creation, interaction strategies with audiences, and selection of the right platform to convey local cultural messages. The results of this training showed an increase in participants' understanding of the importance of using social media in cultural and social campaigns, as well as practical skills in creating effective content. In conclusion, this training successfully equips participants with the ability to optimize social media in promoting local culture and strengthening Palembang's cultural identity in the digital world.  

The elderly are an age group that experiences the aging process with various physical, mental and social changes that affect their quality of life. As the number of elderly people increases in various countries, it is important to have a clear understanding of the scope of the needs and conditions of the elderly from a social, health and economic perspective. The aim of this research is to determine the scope of the needs and conditions of the elderly. This research method uses a qualitative approach and involves literature study, data collection techniques using interview methods and literature research. This research discusses the health needs and conditions of the elderly, with a focus on medical aspects of care, including ongoing care and management of chronic conditions (such as diabetes, cholesterol and high blood pressure). Elderly people also experience several challenges, such as accessing health care facilities which is often difficult due to distance, physical limitations, or dependence on family for care. Therefore, researchers hope to provide a deeper understanding of the challenges and needs of the elderly, as well as families spending more time providing care.  

The Belaria activity, in the form of a coloring competition using the Participatory Action Research (PAR) empowerment method, aims to improve the creative skills and understanding of participants through a collaborative and participatory approach. The PAR method is applied to actively involve participants in every stage of the activity, from planning to evaluation, so that they can contribute and reflect on the coloring process. In this coloring competition, participants are invited to color pictures with certain relevant themes, such as plants and animals, with a focus on the application of basic coloring techniques. Evaluation is carried out through direct observation and participatory feedback, to assess the effectiveness of the method in developing participants' skills and measuring its impact on their understanding of the coloring process. The results of the activity show that this activity has succeeded in empowering participants, increasing their involvement in the creative process, and utilizing free time. This competition not only provides a forum for creative expression but also strengthens participants' ability to collaborate and reflect on learning experiences

In this study, one of the problems is the lack of understanding of employees in carrying out their duties, this is due to the lack of training and competency development, periodic evaluations, and lack of supervision from leaders, resulting in ineffectiveness in public services provided to the community. This study aims to determine the effect of work Professionalism On The Quality Of Public Services In Gunungsindur District Office. This study uses the theory of factors that support work professionalism (Kurniawan:2005), namely Apparatus Ability, Experience, Loyalty, Performance, Punctuality. And the theory of public service quality categories (Parasuraman:2011) namely Tangible, Reliability, Responsiveness, Assurance, Empathy. The method used in this study is a quantitative method with an associative research type. Data collection techniques in this study with observation, documentation, and questionnaires. This study uses a sampling technique using purposive sampling with a total of 99 respondents. The data analysis techniques used are validity test, reliability test, normality test, simple linear regression analysis, determination coefficient, correlation coefficient, hypothesis test (t test). The results of this study explain that there is an Influence of Work Professionalism on the Quality of Public Services in Gunungsindur District Office, this is obtained from the results of the hypothesis test which has a t count value of 9,161 which is greater than the t table value of 1.660 and has a significant level of 0.000 less than 0.05.

This research examines collaboration between Islamic institutions and Muslim influencers which can also have its own challenges. This is because the two parties have different goals, approaches and values ​​which of course can result in conflict and disruption of preaching. Another cause of challenges in da'wah is a lack of understanding in determining digital communication strategies. Moreover, we must not be left behind with developments because this can be a benchmark for success in collaborative da'wah in the era of digitalization. Therefore, it is necessary to have an appropriate da'wah strategy in order to achieve the effectiveness of da'wah. In this scientific journal, the method used is literature study. The literature method, or library research, is used to search for research information by reading scientific journals, digital book references, and published materials on the Internet. The only key to the success of da'wah development in this era is building a modern da'wah management strategy. The use of digital technology in da'wah content not only increases accessibility and reach but also creates better interaction between preachers and audiences.

This research was conducted with the aim of analyzing the need for the development of a chemistry e-module combined with the KingDraw application on isomer material at SMA Al Islam 1 Surakarta. This study uses a survey methodology with a qualitative approach. Data were obtained from interviews with chemistry teachers and the results of filling out questionnaires by 84 students. The results of this study indicate that teachers have not developed technology-based teaching materials that can help students in learning chemistry. The teaching materials used are in the form of textbooks containing writings and several two-dimensional images. Thus, it can be said that learning is still conventional and has not followed the development of the digitalization era. This is indicated by the minimal use of technology in learning activities. In learning, teachers only rely on lecture and discussion methods. Therefore, it can be concluded that the development of a chemistry e-module collaborated with the KingDraw application needs to be implemented to motivate students to learn and improve their understanding of chemical concepts independently. This module can also be used anytime and anywhere.

Modern cellular tissues have evolved into cell tensegrity structures, where cell strength and stability are established through supportive interactions. Tensegrity improves the efficiency of frequency spectrum use and signal quality in cellular networks. Research shows miRNAs play an important role in the regulation of gene expression in the immune system, providing new insights into the complexity of modern biological systems. Structural Design of Cellular Tissues involves computer simulation studies and laboratory experiments on cell tensegrity. Immune Regulation by MicroRNAs includes analysis of MiRNA gene expression and functionality using technologies such as microarrays and high-throughput sequencing. Data Integration includes identifying microRNA gene targets and understanding transcriptional regulation through methods such as reporter gene assays and Chromatin Immunoprecipitation to predict cellular responses in clinical scenarios. The complex interplay between cellular tensegratas mechanisms and immune regulation by microRNAs shows how widespread their interactions are in human biological systems. The cellular tensegratas structure helps improve intercellular communication, while immune regulation by microRNAs ensures the body's proper response to pathogens. Recent research on microRNAs has exposed their role in the development and function of mammalian immune cells. MiRNAs play an important role in the development and function of mammalian immune cells. The complex interactions between cellular tensile mechanisms and immune regulation by microRNAs demonstrate how structural and functional integration can improve the performance of human biological systems. Integration of these data provides a complete picture of the complexity of modern biological systems and their clinical implications in the diagnosis and treatment of immunological diseases.

This study aims to analyze the barriers in early childhood reading skills at Al-Mukaddimah Kindergarten. The main focus of this research includes identifying barriers experienced by children, factors that influence these barriers, and teacher efforts in overcoming reading difficulties. The method used is descriptive qualitative with a case study approach, which involves observation, interviews and documentation. The results show that there are several barriers in early reading skills, such as difficulty recognizing letters, distinguishing letters, and understanding symbols and numbers. Factors that influence these obstacles include the child's psychological condition, family environment, and learning methods applied by the teacher. Teachers' efforts in overcoming these obstacles are carried out through a fun and interactive approach, including the use of interesting learning media and varied teaching strategies. This research is expected to contribute to the development of reading learning methods in early childhood and provide recommendations for teachers and parents in supporting children's reading skills.

:Pakistan is a developing country. Its transportation infrastructure mainly consists of road network. About 95% passengers and fright is transported using the road network. This high demand on road network is because of the unreliable railway system between the cities. Due to such high demand on road network the accident involvement risk of an individual is much high as compared to developed countries. This study uses a new modeling approach to estimate road safety risk for WTP.  A correlated random parameters Tobit model (heterogeneity-in-mean) is integrated with machine learning (Decision tree).  The decision tree categorizes higher-order interactions, while the model captures unobserved correlations and heterogeneity. The framework examines WTP determinants using a representative sample of 3178 road users from Pakistan. The model estimates WTP for different (fatal and severe injury) risk reductions to monetize road traffic crash costs. Results show maximum respondents are willing to support safety improvement policies. The model reveals significant WTP heterogeneity linked to perceptions of road safety and accident risk. Systematic preference heterogeneity emerges through higher-order interactions, offering insights into WTP relationships. Marginal effects highlight varying sensitivities to explanatory variables, quantifying their impact on WTP probability and magnitude. The framework provides two key contributions. It identifies public WTP determinants, emphasizing heterogeneous effects. It also helps in prioritization safety policies by understanding public sensitivity to WTP. The insights further emphasizing on the importance of road safety interventions to the specific socio-economic profiles of road users. This study offers a significant contribution to road safety improvement by providing valuable recommendations for policy makers. By integrating detailed socio-economic factors, it also addresses the urgent need for targeted traffic safety interventions in Pakistan. These findings are expected to aid policymakers and stakeholders in developing effective strategies to enhance road safety and reduce the accident involvement risk effectively.

This study aims to analyze the leadership role of the International Class Program (ICP) coordinator in fostering a productive academic culture at Madrasah Aliyah (MA) Hasan Jufri Lebak Sangkapura Gresik. Specifically, this study explores the leadership role of ICP coordinators, the challenges they face, and the impact of this leadership on student academic achievement. This study uses a qualitative approach with a case study design, and data is collected through in-depth interviews, participatory observations, and document studies. Key informants include principals, vice principals, ICP coordinators, teachers, and students. Data analysis uses thematic methods to identify the main patterns and themes. The study’s findings show that ICP coordinators actively facilitate teacher collaboration, create a supportive learning environment, and conduct regular evaluations to improve teaching methods. The coordinator also organizes an additional mentoring program that enhances students’ understanding of the international curriculum, resulting in a 3.6% increase in students' final exam scores over the past two years. The main challenges in implementing ICP include limited technological resources and the need for teacher training in delivering the international curriculum. This study concludes that the transformational leadership of ICP coordinators is crucial in shaping an academic culture that supports student achievement. This research provides practical insights for educational institutions in optimizing the role of special program coordinators to build a productive academic culture.

Sexual violence in the university environment is a significant challenge in creating a safe and supportive educational atmosphere. This phenomenon is influenced by unequal power relations, patriarchal culture, and lack of understanding and application of legal protection. Regulation of the Minister of Education, Culture, Research and Technology Number 30 of 2021 is presented as a legal framework to prevent and handle sexual violence in higher education, with strategic steps such as the formation of the Task Force for the Prevention and Handling of Sexual Violence (PPKS Task Force). This research aims to examine the juridical aspects of protecting students and teaching staff from sexual violence, analyze the implementation of regulations, and identify obstacles faced in their implementation. This research uses a normative-juridical method, which prioritizes the analysis of laws and regulations, legal documents, and related legal theories. The results show that although the regulation has provided quite detailed guidelines, its implementation still faces challenges in the form of social stigma, lack of resources, and gaps between policy and practice. The conclusion of this study emphasizes the importance of continuous evaluation and education to improve the effectiveness of regulations and encourage universities to become agents of change in the fight against sexual violence.

As the times develop, there will be many new things that emerge because humans will continue to innovate in line with the development of human thought, so to compensate and keep humans from running or getting out of their nature, religion is present to provide binding rules. The writing of this journal aims to find out the rules of contemporary muamalah fiqh as well as to find out what the role of contemporary muamalah fiqh is in the development of sharia-based businesses. The research methodology used in this research is descriptive qualitative research using the library study method (library research) Data collection in this study using the library study method related to theoretical studies and several references that will not be separated from scientific literature. The results of this study are an introduction to contemporary muamalah fiqh such as understanding, scope, rules of fiqh and the object of study of contemporary muamalah fiqh, as well as the role of contemporary muamalah fiqh in sharia-based business development.

Smartphone users in Indonesia are projected to reach 195.26 million by 2024. This has led to increased competition among smartphone vendors, causing each vendor to compete to either increase or maintain their market share. One of the most famous smartphone brands in Indonesia is Oppo, which ranks among the top 2 smartphones in Indonesia based on the top brand index. This research aims to gain a deeper understanding of smartphone marketing strategies in Indonesia and analyze several variables that show inconsistencies in the research results. This research employed a quantitative method with a sampling technique using the Lemeshow approach, resulting in a sample size of 100 respondents. The collected data was then processed using SmartPLS. The research results showed that brand awareness, perceived quality, and brand equity had a positive and significant influence on consumer loyality. Furthermore, in the mediation test, brand equity was able to mediate the influence between perceived quality and consumer loyality but failed to mediate the relationship between brand awareness and consumer loyality.