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This study provides a comprehensive comparative analysis of financial literacy among Millennials and Generation Z across various global contexts, drawing on recent data from major international surveys. The research examines key indicators of financial knowledge, behaviors, and attitudes, revealing a complex landscape characterized by both promising developments and significant challenges. While both generations demonstrate increased engagement with digital financial services, there often remains a gap between their technological savviness and comprehensive financial understanding. The analysis highlights significant regional disparities in financial literacy, influenced by factors such as digital technology prevalence, education systems, economic environments, and cultural attitudes. The study underscores the profound impact of technology on financial literacy and emphasizes the need for tailored financial education incorporating digital literacy and critical thinking skills. Policy implications include developing comprehensive national strategies for financial literacy and fostering international cooperation. This research contributes valuable insights for educators, policymakers, and financial institutions to enhance financial capability among young adults globally in an increasingly complex financial landscape.

The aim of this research is to analyze the level of effectiveness, efficiency and contribution of regional taxes to Original Regional Income in the sub-region of Riau province for the 2019-2023 period. The data collection technique used is secondary data in the form of financial reports for the 2019-2023 period at the financial djpk. The sample in this study was taken from financial reports registered on the website https://djpk.kemenkeu.go.id/portal/data/apbd. So the data obtained was 12 sub-regions x 5 years = 120 data. The data will be analyzed using quantitative methods. The research results show that the level of effectiveness in the sub-region of Riau province is classified as effective with a percentage of 93%. The level of efficiency in the sub-region of Riau province is classified as inefficient with a percentage of 102%. The level of regional tax contribution in the sub-region of Riau province is quite good with a percentage of 43%.  

The purpose of this study is to determine the influence of price and product quality on consumer satisfaction of Wardah beauty products in Surabaya. The data collection technique in this study is using the probability sampling method with a simple random sampling technique by taking random samples. The sample in this study used 100 respondents who were users of Wardah beauty products in Surabaya. The result of this study is that price has an influence on consumer satisfaction, as evidenced by the results of a partial research test (T) where the price variable has a sign value. 0.000 < 0,05, and the t-value is 17,482 > 1,984. And product quality has an influence on consumer satisfaction, as evidenced by the results of the Partial (T) research test, where the Product Quality variable has a significant value. 0.000 < 0.05, and the t-value is calculated 17,366 > 1,984. Meanwhile, in the results of the simultaneous research test (F), the price and quality of the product have a sign value. 0.000 < 0.05 and the f-value is calculated 186,267 > 3,089, so it can be concluded in this study that price and product quality simultaneously have a positive effect on consumer satisfaction.

This research aims to examine the effect of sharia supervisory board, board of commissioners, and board of directors on Islamic Social Reporting disclosures. The kind of quantitative research using secondary data exists annual report. The research sample of 12 sharia commercial banks in Indonesia was determined by purposive sampling technique with an observation period from 2018 to 2022. The analytical of research using multiple linear regression with the help of SPSS software. The result of research shows that board of commissioners and board of directors does have significant effects on Islamic Social Reporting disclosures. However, the sharia supervisory board does not have insignificant effect on Islamic Social Reporting disclosures.    

Science learning is a boring lesson for students in some schools. There are several factors that cause students’ boredom in learning, one of the factors is because teachers at these schools are only fixated on books, so students become bored and this has an impact on their learning outcomes. The aim of this research is to develop science learning media using the Canva application to improve elementary school students’ learning outcomes. The method used in this research uses a systematic literature review where the results of the research are articles related to Canva learning media and active learning for elementary schools published between 2021-2024. Based on the results of this research, it can be concluded that the use of the Canva application is very effective in improving elementary school students’ learning outcomes.

This study have a purpose analyze the implementation of project-based learning in increased resilience elementary school students' reading skills, particularly in Indonesian language learning for third-grade students. The method used is a literature review, which collects and examines various relevant studies and sources. The results of the review show that project-based learning can provide more interactive and contextual learning experiences for students, leading to increased motivation and interest in reading. Additionally, this method promotes the development of critical thinking skills, creativity, and collaboration among students. By integrating projects into the learning process, students become more actively engaged and have the opportunity to apply their knowledge in real-world situations. Overall, the implementation of project-based learning has proven effective in enhancing third-grade students' reading skills in Indonesian language learning. This study offers practical implications for educators in designing and implementing innovative and effective teaching strategies, and underscores the importance of more active and participatory learning approaches in elementary education.

Hospital Management Information System (SIMRS) is a communication information technology system that can process and integrate all service process flows in the Hospital into a network that coordinates between divisions, both reporting and administrative procedures to be able to obtain precise and accurate information, and is part of a Health Information System. As an effort to improve the performance of the Hospital Management Information System (SIMRS), its implementation must be followed by an evaluation of the system itself to determine the positive aspects that encourage the use of the system and identify factors that cause obstacles. Evaluation is an important thing to do because it can produce negative findings from the use of a system. Evaluation covers various aspects of the use of information and communication technology in hospitals. The HOT-Fit method is one of the theoretical frameworks used to evaluate information systems in the field of health services. The HOT-Fit method also addresses the core components of information systems, namely Human, Organization, Technology and Net Benefit. The purpose of this study was to determine the evaluation of the Hospital Management Information System (SIMRS) with the HOT-Fit Method in the Outpatient Unit at PKU Muhammadiyah Kartasura Hospital. The research method used was quantitative research. The instrument used in this study was a questionnaire. The results of research on the evaluation of the Hospital Management Information System (SIMRS) with the HOT-Fit Method which shows positive and useful things in supporting health services to patients.

From this study, the automatic electric oil heater can be used to adjust the temperature value and the automatic electric heater will be able to turn off automatically according to the setpoint temperature value determined through a smartphone device or IoT program. Monitoring can also be done with the app, as well as being able to view temperature values directly through the LCD. This tool is in the form of an electric heater that will be used to heat ship fuel automatically and is more practical and efficient. It is also easier to maintain than a boiler on a ship. The design of this tool is based on accurate calculation of temperature values, with which the process of heating up fuel becomes faster. From the results of this study, a heat sensor that can read the temperature value and the buzzer will sound and the device will automatically turn off if the temperature has reached a specified setpoint. This research was carried out when the ship was about to make a departure to find out the temperature in the heating of the fuel on the ship. Testing Design of an automatic electric oil heater as a replacement for IoT-based thermal oil boiler on this bulk carrier ship, it can be known the disadvantages and advantages of this tool, testing can be done by putting oil into the electric heater, then in a short time the oil will heat up quickly, and the tool will be able to turn off automatically and the buzzer will immediately turn on when the heat has reached the specified temperature. In the temperature setting, it can be set in a smartphone or an app that can adjust the temperature and turn off the appliance from a considerable distance. However, the application must use the internet network and cannot be accessed locally, the use of IoT requires devices and smartphones to be connected to the internet.    

The Pukun Kuala Tanjung rice factory is a rice factory located in Pematang Tobat village, Sei Suka subdistrict, Batubara district. The Pukun Kuala Tanjung rice factory has been operating for fifteen years in milling rice into rice. In operating the Pukun Kuala Tanjung rice factory, it can produce 25 tons of rice/week. In carrying out the rice production process at the Pukun Kuala Tanjung rice mill, we often find that the rice produced does not match the quality of production, including the color of the rice being less than good (yellow), rice that is not peeled and crushed, which can lead to a decrease in the quality for sale and even unsalability. rice on the market so that the Pukun Kuala Tanjung rice factory experiences losses in producing rice. The aim of this research is as follows: to know how to control the quality of rice using the SQC (Statistical Quality Control) method, to find out the quality of rice produced by the Pukun Kuala Tanjung rice factory is still in good condition. controlled or not. This research uses descriptive quantitative research both when collecting and processing data where the data collected is data on defective rice products and data processing will be carried out using the SQC (Statistica Quality Control) method. From the data processing that has been carried out in this research, the author draws the following conclusions: Rice quality control using the SQC (Statistical Quality Control) method can be seen as follows: Based on the control chart, it is known that defective products are not within the upper control limits (Upper Control Limit) and Lower Control Limit which can mean that a defective product requires repairs to be made to the defective product.

Indonesia boasts a number of tofu processing facilities totaling, around 84,000 both scale and large scale operations. These facilities collectively consume 2.56 million tons of soybeans each year. The high volume of tofu production poses a threat to the environment due to the generation of waste. If this waste is directly released into water bodies it can alter the waters characteristics potentially harming life. To address this issue Tofu Industry Wastewater can be implemented by introducing probiotics containing microorganisms that aid in breaking down matter and other components in the waste. This study focuses on analyzing bacterial colonies in Tofu Industry Wastewater by examining bacterial colonies present in these products. Various mixtures of Tofu Industry Wastewater and commercial probiotics will be tested at ratios of 1:1, 1:2, 1:3, and 1:4 over time periods ranging from 24, 48, 72, 96, 120, and 144 hours. The findings indicate that incorporating probiotics into Tofu Industry Wastewater can lead to a reduction in pollution levels.

Introduction: Hypertension or high blood pressure is a disease characterized by an increase in blood pressure above normal that is progressive. Hypertension has become a world health problem due to its high prevalence and risk of causing heart, stroke, and kidney complications. The purpose of this study was to see if stress, smoking, diet and physical activity had a relationship with the incidence of hypertension in the working area of the UPTD Ladang Tuha Health Center, Paya Ateuk Village. Methods: This study uses a quantitative research design that uses an analytical descriptive method with a cross sectional approach. The population in this study is all heads of families in Paya Ateuk Village as many as 558 people. The sample selection technique used was purpose sampling which was determined by the slovin formula and obtained 85 samples. The collected data was then tested univariately to see the frequency distribution and bivariate using the chi-square (P-Value) test to see the influence between the variables. Results:  The level of community stress was related to hypertension (p-value 0.000 < 0.05). Smoking habits also had a significant relationship (p-value 0.037 < 0.05). Diet was shown to be closely related to hypertension rates (p-value 0.000 < 0.05). Physical activity showed a significant correlation with hypertension (p-value 0.001 < 0.05). Conclusion: stress, smoking, diet and physical activity have a relationship with the occurrence of hypertension, this is supported by test results that get a P-value of less than 0.05.  

Waste Bank is an institution that plays an important role in waste management. Kedungmaling village is a village located in Mojokerto district, East Java province, Kedungmaling Waste Bank was established in 2019 and its head is the PKK organization of Kedungmaling village. Some research has been conducted with a case study of a Waste Bank to improve the performance of waste banks that still carry out their business processes conventionally. Most previous research focused on making waste bank applications but still used Kotlin programming language and fire base web service as the database. This research uses the React Native framework to create mobile applications and uses the Rest API as a database. The application design uses the SDLC method with a waterfall model. Application testing using black box gets a percentage of 97% of 89 scenarios and Rest API testing assisted by the postman application gets a percentage of 100% of 94 scenarios. With this application, it can help officers in managing waste and facilitate customers in managing their balances.

Abstract -  Corn plants are one of the plants that are easy to grow and relatively fast to get results but also a plant that is vulnerable to pests and diseases. The symptoms that arise require an expert or agricultural expert to be able to diagnose. Limited time and expert labor is one of the causes of delayed diagnosis, causing a decrease in farmers' yields. This is the basis for making this expert system by adopting knowledge from agricultural experts about the symptoms of corn disease using the Forward Chaining method. To support the research conducted, researchers used the Research and Development (R&D) research method and the design used the Object Oriented Programming (OOP) method using the Unified Modeling Language (UML). Software is built using the PHP programming language, MySQL as a database, and Bootstrap as an interface design with a web-based system.    

This research is a qualitative descriptive study that describes the structure and also the author's world view of social problems in the novel Bumi dan Lukanya Remake by Ann. The theory used in this research is the theory of genetic structuralism developed by Goldmann. The data collection methods and techniques used were library study methods and reading and note-taking techniques. The data source for this research uses the novel Bumi dan Lukanya Remake by Ann. Data analysis uses the dialectical method. The results of the analysis are presented using informal methods using descriptions as explanations. This research produces a structure that originates from relationships built from an imaginary environment, namely (1) familial relationships between characters, (2) friendly relationships between characters, and (3) love relationships between characters and the author's world view of social problems in the novel Bumi dan Lukanya Remake .  

This research is a qualitative descriptive research that describes the problem of Indramayu society in the novel Telembuk by Kedung Darma Romansha. The theory used in this research is the theory of literary sociology that focuses on literary work. Data collection techniques use library techniques with careful reading, recording, and describing. Research data presentation techniques use informal techniques using descriptions as explanations. The instrument in this research is the researcher himself. The source of the research data used the novel Telembuk by Kedung Darma Romansha published by Book of Mojok. The results of the research are as follows: the problems of Indramayu society in the novel Telembuk there are six, i.e. (1) economic problems, (2) juvenile misconduct, (3) family disorganization, (4) violation of norms, (5) crime, and (6) women's problems.

This research aims to improve students' disciplinary character through Pancasila material using holistic methods. The holistic method has four important aspects, namely: mental, physical, emotional and spiritual. The results of this research show that the holistic method is very effective in improving students' disciplinary character. Students not only understand the principles of Pancasila cognitively, but can also apply the principles of Pancasila in everyday life. Students show an increase in discipline, responsibility and emotional control. This research shows that the holistic method can be an effective method for improving the disciplinary character of students through Pancasila material in elementary schools, which will make students become people who are balanced, have integrity, and are able to apply Pancasila values in everyday life.

This study aims to evaluate the effectiveness of the interactive learning model based on Contextual Teaching and Learning (CTL) on student learning outcomes in science subjects for second-grade elementary school students, particularly on the topic of recognizing plants as living organisms. The research method used is a Systematic Literature Review (SLR). Literature search was conducted through academic databases such as Google Scholar,, and PubMed using keywords like “Contextual Teaching and Learning,” “CTL,” “science learning outcomes,” “elementary education,” and “recognizing plants.” From the several potential articles identified, a selection of articles met the inclusion criteria and were analyzed in-depth. The analysis results indicate that the application of the CTL model consistently improves student learning outcomes, as evidenced by enhanced conceptual understanding, learning motivation, and active student participation in the classroom. The analyzed studies reported a significant increase in the average learning outcomes of students following the implementation of CTL. Additionally, this learning model makes learning more meaningful and relevant to the students’ daily lives. In conclusion, the CTL learning model is effective in enhancing student learning outcomes in science subjects for second-grade elementary school students, implying that schools and educators should consider the broader adoption of CTL and provide adequate support and training for teachers.

The use of practical methods in teaching material on changes in the states of matter is very effective in helping students understand these concepts in more depth. Through practicum, students can directly observe how a substance changes form under certain conditions, such as temperature or pressure, this strengthens theoretical understanding with practical experience. Using practical methods in teaching changes in the states of matter, students not only understand theoretical concepts but also see their application in real life. This can help build a more holistic and in-depth understanding of the material studied. The practicum method encourages students to be more active and participate in the learning process. Class observations showed that 85% of students were more engaged and enthusiastic during practicum sessions compared to conventional learning. They often ask questions, discuss and try to understand the material through direct experiments. Students are trained to make careful and systematic observations of changes in the state of substances. The evaluation results show an increase in these skills by 25% after implementing the practicum method. The application of practicum methods in learning science and material regarding changes in the states of substances in class IV has proven to be effective in improving various aspects of learning. This method succeeded in increasing conceptual understanding, science process skills, student activity and participation, academic performance, and learning motivation. Students involved in practicum activities showed a significant increase in understanding the concept of changes in the states of matter, as shown by an increase in the average score of 30%.

Business competition is increasing from time to time, encouraging companies to make financial reports as accurate as possible. These conditions cause companies to try various ways to create good financial reports by acting outside the limits, such as manipulating financial statements which are classified as fraud. The effort that must be made to detect and disclose fraud is an investigative audit that is carried out to detect fraud by collecting and analyzing evidence. PT XYZ as a client of KAP Y is a company in the field of logistics services that requires investigative audit services to reveal indications of fraud that occurred. This research aims to analyze the application of the vouching method in the investigative audit process of the expense cycle. The approach used in this research is a case study-based qualitative approach. The data used is secondary data through interviews with KAP Y auditors. Through the vouching method, the auditor can find fraud that occurs at PT XYZ in the expenditure cycle. The auditor found that there was a large amount of funds spent for unknown reasons and there was no valid evidence that could explain the use of these funds.

This research uses correlative quatitaive research. The sample in this study amounted to 65 students of the Guidance and Counseling Study Program. The data collection technique used in this research is by distributing questionnaires using a google form link with a Likert scale statemen. Data collection uses a cyberbullying experience scale with 34 valid items with a reliability test value of 0.952 and a self-confidence scale with 40 valid items with a reliability test value of 0.970.The results in this study prove: 1) There is a negative relationship with a Pearson Correlation correlation value of -648 with a significance level of 0.000. 2) The level of cyberbullying experience in Guidance and Counseling Study Program students is classified in the high category with a percentage of 38%. 3) The level of self-confidence in students of the Guidance and Counseling Study Program shows 2 levels of categories, namely the low category with a percentage of 32%  and the high category with a percentage of 31%.