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The low level of financial literacy in Indonesia, which only reached 49.68% according to the Financial Services Authority (OJK) in 2022, highlights the urgency of financial education from an early age. Children aged 11–12 are at an ideal developmental stage to understand basic financial concepts such as income, expenses, saving, and delayed gratification. This study aims to introduce financial literacy through an interactive learning medium in the form of a board game. Board games are chosen because they enhance children's engagement in learning while playing and serve as an alternative to excessive gadget use. Through gameplay, children practice financial decision-making by simulating buying and selling activities, managing expenses, and choosing to save. This approach also supports the development of children's self-efficacy, which refers to their belief in their ability to manage financial tasks. By applying this method, children are expected not only to understand the value of money but also to implement basic financial management skills in daily life. Educational board games offer an effective tool for instilling healthy financial habits from an early age.

The purpose of this research is to create an interactive Augmented Reality (AR)-based educational application that can display the Indonesian folktale "Keong Mas" using Unity 3D and Vuforia SDK. Due to the dominance of modern digital entertainment that is more visually appealing, the younger generation's interest in traditional folktales is declining. The choice of AR technology is based on its ability to combine three-dimensional virtual objects with the real environment in real-time, resulting in an interactive, engaging, and memorable learning experience. The research process used is the Life Cycle of Multimedia Development (MDLC), which consists of six stages: ideation, design, material collection, compilation, testing, and deployment. 3D character models, background environments, and interactive stories appear in the application when the camera detects certain markers. Testing was conducted using the black-box method to ensure all functions, including marker tracking, scene transitions, and narration playback, run smoothly. The test results show that the AR application "Keong Mas" successfully displays the folktale interactively and engagingly, thereby increasing the learning interest of children and adolescents. This application not only serves as an innovative learning medium but also contributes to the preservation of local culture through the integration of digital technology.

This study aims to examine how technology, particularly social media, plays a role in increasing community participation in the development of the sago forest tourism area in Kampung Sereh, Sentani District, Jayapura Regency. The area holds strong natural and cultural potential, yet its development as a tourist destination remains underutilized. The research adopts a qualitative descriptive approach using interviews, field observations, and document analysis. findings reveal that digital technology-especially social media platform such as Instagram and Facebook-has broadened the reach of tourism promotion. Young people in the community have started to use these platforms to share tourism- related activities and local cultural practices. However, challenges persist, including low digital literacy, limited access to proper devices, and the lack of technical training and assistance. Community participation is evident in various aspects, such as organizing cultural performances, preparing traditional food, and engaging in environmental conservation. This study recommends ongoing digital training and the formation of a community- managed promotional team to support sustainable and inclusive tourism development.

The rapid growth of online transportation services has significantly transformed urban mobility patterns, including in Abepura District, Jayapura City. This study is grounded in the concept of smart mobility, which emphasizes technological integration, efficiency, and accessibility within the smart city framework. The theoretical foundation draws on consumer preference theory and the Customer Satisfaction Index (CSI) model. A quantitative approach was applied through questionnaires distributed to 100 respondents, supported by secondary data on digital infrastructure and local transport regulations. The analytical methods included conjoint analysis to identify user preferences, CSI analysis to assess smart mobility readiness, and spatial analysis to map infrastructure support. The findings indicate that fare and safety are the most influential attributes shaping user preferences, followed by application usability, transport mode, and travel time. Maxim emerged as the most widely used application, followed by Grab and Gojek. The CSI score reached 77.60%, categorized as “highly ready,” though gaps remain in intermodal integration and waiting time efficiency. Spatial analysis confirmed that the coverage of 16 BTS towers in Abepura adequately supports online transportation operations. In conclusion, online transportation services in Abepura District demonstrate strong readiness to support the implementation of smart mobility, yet further improvements are needed in modal integration and operational efficiency to ensure sustainable and inclusive urban mobility.

Settlements are an important aspect in regional development, where settlements reflct human activities in fulfilling basic needs for housing. Wai Mhorock Village is one of the administrative villages located in Abepura District, Jayapura City. Based on Regional Regulation No. 18 of 2006 this study aims to analyze and examine the settlement patterns developing in this village and to identify whether population factors are the main influence on settlement distribution, or whether other factors play a role. The research method used is descriptive quantitative. Data collection was carried out through comprehensive field observation, documentation, in-depth interviews and data processing using applications such as ArcGIS, SPSS, or Excel.The results of this study show that the settlement distribution in Wai Mhorock Village is categorized as dispersed. This pattern occurs due to various factors, and based on regression results, it was found that population variables—such as those not yet working and those already employed—significantly influence the Y coefficient. From these findings, it is expected that policies can be formulated to enhance regional development and to address issues within Wai Mhorock Village.

Pondok pesantren memiliki peran strategis dalam membentuk karakter dan meningkatkan kualitas pendidikan santri. Di tengah arus globalisasi dan perkembangan teknologi, kemampuan menulis ilmiah menjadi keterampilan penting untuk melanjutkan studi maupun memasuki dunia kerja profesional. Namun, mahasantri di Ma’had ‘Aly Kharisma Haromain masih menghadapi keterbatasan karena belum tersedianya modul terpadu yang mencakup metodologi penelitian, teknik penulisan, dan etika publikasi Islami. Kondisi ini membatasi potensi mereka dalam menghasilkan opini, artikel, maupun karya ilmiah yang berkualitas, padahal kontribusi pesantren sangat dibutuhkan untuk memperkaya khazanah keilmuan dan mendukung pembangunan masyarakat. Program pendampingan literasi dan penulisan ilmiah yang dilaksanakan melalui workshop, pelatihan komprehensif, serta monitoring dan evaluasi terbukti mampu meningkatkan keterampilan menulis, membangun budaya riset, dan mendorong kolaborasi akademik. Dengan dukungan keberlanjutan program, perbaikan sarana, dan pengembangan modul adaptif, inisiatif ini diharapkan memberikan manfaat yang lebih luas, baik bagi lembaga pesantren maupun masyarakat sekitar secara berkelanjutan.

This study aims to analyze the influence of financial literacy, paylater usage, and income on the consumptive behavior of Generation Z in Indonesia. The background of this research is based on the increasing use of digital financial services, particularly paylater, and the growing trend of consumptive lifestyles among Generation Z, who are exposed to the convenience of technology and have relatively low financial control. The research uses a quantitative approach with descriptive and causal analysis. The population in this study consists of Generation Z in Indonesia aged 18–27 years who have income and have used paylater services. The sampling technique used was non-probability sampling with the purposive sampling method, and the sample size was 100 respondents. Data were collected using questionnaires and analyzed using SPSS version 26. The analysis included validity tests, reliability tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination (R²). The results indicate that financial literacy has a negative and significant effect on consumptive behavior, meaning that the higher the financial literacy, the lower the tendency to act consumptively. Conversely, paylater usage and income have a significant joint influence on Generation Z’s consumptive behavior.

This study aims to integrate Prophetic guidance (Sunnah of the Prophet Muhammad into the development of a Maqāṣid-Based Budgeting Framework, focusing on the balance between efficiency and social responsibility in Islamic financial management. Using a qualitative thematic approach to relevant hadiths on trust (amānah), professionalism (itqān), prohibition of extravagance (isrāf), and distributive justice, the study reveals that efficiency in Islam extends beyond cost reduction toward the optimization of maslahah ‘āmmah (public welfare). Meanwhile, social responsibility serves as an ethical foundation ensuring fairness, transparency, and accountability in fiscal decision-making. The integration of Prophetic values with theories of Islamic Fiscal Management and Public Finance Efficiency enhances the conceptual strength of Islamic budgeting as a model of balanced financial governance. Thus, budgeting in the maqāṣid and Prophetic perspective is not merely a technical instrument but also a spiritual and social tool for achieving just, efficient, and ethically grounded financial management.

This study aims to determine the effect of teamwork and communication on employee performance at the Bureau of Organization and Human Resources of the Ministry of Industry of the Republic of Indonesia. Employee performance is an important aspect in achieving organizational goals, which is influenced by the effectiveness of cooperation between team members and communication established in the work environment. The method used in this study is a quantitative approach with a total sampling technique, where the entire population of 40 people was sampled. Data were collected through questionnaires and analyzed using SPSS version 25 with validity tests, reliability, classical assumption tests, multiple linear regression, t-tests, f-tests, and coefficient of determination tests. The results showed that teamwork has a significant positive effect on employee performance with a t-value of 2.222 and a significance of 0.032. And communication also has a positive effect on employee performance with a t-value of 4.239 and a significance of 0.000. The coefficient of determination of 48% indicates that teamwork and communication contribute to improving employee performance, while the rest is influenced by other factors outside this research model. This study concluded that increasing teamwork and effective communication can significantly improve employee performance.

This study aimed to determine the influence of loan amount, repayment period, and borrower characteristics as a moderating variable on the loan repayment performance at KSP Kopdit Pintu Air Lekebai Branch. The method used in this study was quantitative, employing both primary and secondary data sources. Data were collected through interviews, documentation, and questionnaires, and analyzed using descriptive statistical analysis. The population in this study consisted of cooperative members who were delinquent in loan repayment. The sample was determined using a non-probability sampling technique with saturated sampling. The result showed that the variable affecting the loan repayment performance at KSP Kopdit Pintu Air Lekebai Branch was the repayment period, while the loan amount and borrower characteristics as a moderating variable did not strengthen effect. Furthermore, borrower characteristics as a moderating variable did not stengthen or weaken the effect of loan amount and repayment period on loan repayment performance at KSP Kopdit Pintu Air Lekebai Branch.

This research aimed to determine de influence of employee perception on financial governance at KSP Kopdit Pintu Air Rotat. This research used a descriptive quantitative method with a survey approach. The population consisted of all 69 permanent employees of KSP Kopdit Pintu Air Rotat, and the entire population was used as the sample through a saturated sampling techineque. Primari data were collected using a questionnaire and analyzed using descriptive statistics and simple linear regression. The results showed that employee perception has a positive and significant effect on financial governance, with a coefficient of 59.3%. This means that the more positive the employees’ perception, the better the cooprerative’s financial governance.

This study focuses on the analysis of students' learning experiences through artificial volcanic eruption experiments in understanding the material of changes in the state of matter at MI Miftahul Ulum. The problem underlying this study is the difficulty students have in learning the abstract concept of changes in state, so a learning strategy based on real experiences is needed. The artificial volcanic eruption experiment was chosen because it is able to show the process of changes in the state of matter through simple chemical reactions in an interesting and easy-to-understand way. The method used is qualitative research with a descriptive approach. The subjects of the study were fifth-grade students of MI Miftahul Ulum. Data were obtained through observation, interviews, and documentation, then analyzed using the stages of data reduction, data presentation, and drawing conclusions. The results of the study showed that the implementation of the artificial volcanic eruption experiment created a meaningful learning experience for students. Students appeared more enthusiastic, active, and easily grasped the concept of changes in the state of matter because they experienced the change process directly. In addition, this experiment also fostered students' curiosity, cooperation, and scientific attitudes in learning activities. Based on these findings, it can be concluded that the artificial volcanic eruption experiment is an effective learning medium to strengthen the learning experience while improving students' understanding of the material of changes in the state of matter.

This research discusses the event of the first revelation descending upon Prophet Muhammad SAW in the Cave of Hira as the starting point for the birth of Islamic civilization. The background of this research stems from the social and spiritual conditions of pre-Islamic Arab society, which was in the era of ignorance, characterized by idol worship, social inequality, and the loss of human values. The purpose of this research is to reconstruct the historical, theological, and philosophical meanings of the first revelation and relate them to the relevance of educational and moral values in the modern context. The method used is a qualitative study with a descriptive-analytical approach, utilizing primary and secondary literature from interpretive sources, historical texts, and scientific journals. The research results indicate that the command "Iqra'" in Surah Al-'Alaq verses 1-5 is the foundation for the emergence of literacy, education, and scientific traditions in Islam. This value affirms the importance of the integration between faith and science as the foundation of civilization. The implications of this research confirm that the spirit of "Iqra'" must be revived in the modern education system so that young Muslim generations can develop critical, ethical, and moral character amidst the current of globalization.

This study aims to determine whether the role of Scarcity and Urgency applied by the Hanasui brand in the marketing process on the Shopee live feature can influence consumer purchasing decisions. Furthermore, the researchers refer to Scarcity and Urgency as limited product stock and limited time for a discount. The researcher used the Heuristic Systematic theory to analyze the Scarcity and Urgency process in the Hanasui brand live streaming on the Shopee application, namely the Heuristic Systematic theory, a theory that explains how a person processes information obtained either heuristically (without thinking) or systematically (regularly and comprehensively). Where the method used is a qualitative method with a constructivist paradigm and a qualitative descriptive approach. Meanwhile, the data collection techniques used were non-participant observation and in-depth interviews with predetermined subjects, namely five women, who have used or purchased Hanasui products on the Shopee live feature. Therefore, the results of this study, namely the Hanasui live feature on Shopee, show that Scarcity and Urgency play a role in consumer purchasing decisions.

The Qur’an is not only a source of law and moral guidance for Muslims but also a manifestation of harmony between aesthetics and ethics that shapes human spirituality. This study aims to explore the integration of aesthetic and ethical functions in Qur’anic recitation (tilawah), examining the relationship between the beauty of voice and the nobility of character in articulating the divine revelation. Using a descriptive qualitative method through a literature study, the research finds that the aesthetic aspect is reflected in the application of tajwid, melodic arrangement (maqamat), vocal beauty, and rhythmic harmony. Meanwhile, the ethical aspect is expressed through sincerity, humility, respectfulness in recitation, and the embodiment of Qur’anic values in daily life. The findings reveal that true beauty in Qur’anic recitation lies not merely in the pleasantness of the voice or technical mastery but in the purity of intention and spiritual depth of the reciter. The integration of aesthetics and ethics serves as a crucial foundation for nurturing spiritual depth, moral character, and cultural appreciation of the Qur’an, particularly in the context of Islamic education and da’wah. Thus, reading the Qur’an with both aesthetic and ethical awareness is not only an artistic expression but also an act of worship that unites beauty, morality, and devotion to Allah SWT in a holistic manner.

This study aims to explore in depth the role of God in the creation of humanity as depicted in the Book of Genesis and its relevance to contemporary Christian life. Using a qualitative method with a literature study approach, this research analyzes the texts of Genesis 1:26–28 and 2:7–8, supported by systematic theological perspectives from scholars such as Louis Berkhof and J. J. Davis. The findings reveal that God’s role is multidimensional: God as the Sovereign Designer, who initiates and perfectly orchestrates the creation process; the Personal Creator, who forms humans from the dust of the ground with purpose and intimacy; the Giver of Life, who breathes the breath of life into humanity; and the Mandate Giver, who delegates authority and responsibility to humans to govern His creation. This understanding has profound theological and ethical implications, particularly for the formation of Christian identity rooted in the image and likeness of God (imago Dei), the strengthening of ecological responsibility toward environmental stewardship, and the cultivation of a transformative spirituality centered on living out God’s will in daily life. Therefore, this study concludes that the doctrine of creation is not merely a historical truth but an existential foundation that guides the faith, morality, and practical life of believers in responding to contemporary spiritual and social challenges.

Earnings quality refers to the accuracy of a company in presenting its earnings information. It reflects the quality of the company’s financial statements, indicating whether the reported earnings can be considered reliable or not. Earnings quality is influenced by several factors, one of which is the decision-making of the board of directors (CEO). The CEO is regarded as the most powerful individual within a company, exercising authority over corporate decisions, including the disclosure of financial information. In recent times, many women have taken on the role of CEO, and their presence is no longer underestimated. The purpose of this study is to provide empirical evidence on the effect of female CEO presence and CEO education on earnings quality. The research was conducted on all companies listed on the Indonesia Stock Exchange (IDX) for the 2019–2022 period. The sample size was determined using a saturated sampling method, resulting in 2,792 observations. Data were collected using a non-participant observation method, and the analysis technique employed was multiple linear regression analysis. The results of this study show that female CEO presence and CEO education have no significant relationship with earnings quality.

Early marriage remains an issue with negative impacts on the health and quality of the younger generation, particularly through the risk of stunting in children. This article discusses the results of a counseling session titled "Marriage is Not Just Legal: Legal Education on Marriage Dispensation and Its Implications for Preventing Stunting Among Students" conducted at SMA Negeri 3 Parepare. The counseling aimed to raise students' awareness about the relationship between the marriage age limit, marriage dispensation, and the health impact on children, specifically the risk of stunting. The methods used include deconstruction, brainstorming, material delivery, reconstruction, and evaluation through pre-tests and post-tests. The results show a significant improvement in students' understanding from both medical and legal perspectives. The discussion focuses on analyzing the contradictions in legal norms regarding the marriage age limit and marriage dispensation, which often cause implementation issues. This counseling emphasizes the importance of integrating legal education and reproductive health as a preventive strategy to reduce early marriage and prevent stunting. Thus, this program contributes to shaping a healthy, legally aware younger generation capable of making mature and responsible marriage decisions.

The distribution of inheritance is an important issue in Indonesian society which adheres to a plural legal system, namely Islamic law, customary law, and western civil law. One of the issues that often raises differences of opinion is the position of biological children and adopted children as heirs. In Islamic law, the right to inherit is based on the relationship of the nasab so that the biological child gets a clear share, while the adopted child does not have the right to inherit but can still be given a share through a grant or obligatory will. In contrast, Toba Batak customary law emphasizes the patrilineal principle, whereby sons, including legitimate adopted children through mangain customary ceremonies, are positioned as the successors of the clan and are entitled to inheritance except hereditary inheritance. This study uses a literature study method by examining literature related to Islamic law and Batak Toba customary law and qualitatively analyzed. The results of the study show that the difference in principles between these two legal systems gives birth to social and legal conflicts in the Batak Muslim society, especially when religious and customary values must be carried out together. However, opportunities for harmonization remain open through the application of the principle of justice that recognizes the position of adopted children in customary structures, as well as upholding sharia by granting rights through the mechanism of compulsory wills. These findings emphasize the need for an integrative approach in resolving inheritance disputes in order to create legal certainty, social justice, and maintain cultural and religious harmony.

This study investigates the influence of coffee brewing device branding on the sensory perception of coffee flavor at TEFA Javanica, Politeknik Negeri Banyuwangi. Focusing on three V60 dripper brands—Hario (Japanese brand), Indotara (local generic brand), and One Two Cup (local brand with English naming)—the research employs an experimental quantitative approach combining blind and branded taste tests. The blind test eliminates brand influence, allowing assessment of the inherent coffee taste, while the branded test examines how brand expectations affect flavor experience and consumer perception. Sensory evaluation follows the Specialty Coffee Association's standardized cupping protocol, assessing aroma, taste, aftertaste, balance, and overall impression. Data from 45 purposively selected experienced coffee tasters were analyzed using the McNemar test to statistically compare preferences between blind and branded conditions. Results show significant brand effects on consumer perception for two of the three brands tested, highlighting branding’s role in shaping sensory experience. These findings offer valuable insights for coffee producers and marketers to optimize brewing device selection and branding strategies, enhancing customer satisfaction and competitive positioning. Academically, the study enriches literature on sensory branding in coffee, emphasizing the importance of equipment branding in specialty coffee markets. This research also lays groundwork for future studies exploring marketing and consumer psychology aspects within the specialty coffee industry.