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This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.

The learning process of physical education is similar to the learning process of other lessons, where there is interaction in the learning and also a change in attitude for the better. Facilities are all facilities needed for the teaching and learning process, both indoors and outdoors, so that the objectives of this learning research are achieved properly, organized, efficient, and effective. Educational infrastructure is a number of facilities that indirectly facilitate, such as school yards, gardens, and roads leading to school. This research aims to find out and examine how PJOK facilities and infrastructure in State Elementary Schools in Purwosari District, Pasuruan Regency. The data collected through interviews and observations were then analyzed through descriptive quantitative data processing using Microsoft Excel. The determination of the sample was carried out using the Slovin formula with a predetermined error rate of 20%, so the total sample was obtained from 14 State Elementary Schools. The results of the study showed that the existence, condition and ownership status of physical education, sports and health facilities in State Elementary Schools in Purwosari District were in category E with an average overall percentage of 42%. For infrastructure in category E with a percentage of 28.5% feasible, This shows that there are still many facilities that do not meet the requirements and completeness. Based on these results, the researcher suggested that there is a need for accuracy in the distribution of funds for facilities and infrastructure so that the existing facilities and infrastructure meet the standards reviewed from Permendiknas No. 24 of 2007. For teachers, it is also necessary to modify facilities and infrastructure so that existing facilities and infrastructure can still support learning properly.

The existence of the Regional Public Company (PERUMDA) of Kupang City aims to distribute water to residents in the surrounding areas. This study aims to evaluate the performance of PERUMDA in providing clean water services in Alak District, Kupang City. This research employs a combination of juridical and empirical approaches. The study was conducted at the PERUMDA Kupang City office and in the Alak District area of Kupang City during January 2025. The population in this study includes all PERUMDA employees and drinking water customers in Alak District, Kupang City. The sample was obtained using purposive sampling techniques, consisting of the head of the customer relations division (1 person), PERUMDA employees (10 people), and community members who use PERUMDA services (50 people), resulting in a total sample of 61 respondents. Data were collected through document review and in-depth interviews guided by an interview protocol. Based on the interview results, it was found that clean water services provided by PERUMDA were still suboptimal. Although PERUMDA Kupang City already has Standard Operating Procedures (SOPs), the implementation in the field still faces various obstacles, such as unequal distribution of clean water, limited infrastructure, occasional poor water quality, ineffective complaint handling systems, and outstanding payment arrears. PERUMDA Kupang City needs to expand its clean water distribution network, improve water quality, strengthen the customer complaint system, and conduct education and outreach to the community regarding the importance of efficient water use and the obligations of the community as service users.

MSME entrepreneurship is one aspect of local economic development while contributing to the employment network in Medan city.  With the existence of MSMEs, they are able to contribute to regional economic development and reduce unemployment.  However, in the process of running a business, there are obstacles for entrepreneurs, namely the lack of entrepreneurial skills and lack of motivation in entrepreneurship which can affect the success of MSMEs. This study aims to determine the effect of entrepreneurial skills and entrepreneurial motivation on business success in MSMEs in Medan city. The form of research used is quantitative with an associative approach. The population in this study were MSMEs in Medan City. With a sample of 100 respondents, the sample approach used in this study was non-probability sampling in the form of purposive sampling. Primary data obtained through direct distribution of questionnaires and secondary data obtained through literature studies. The results of this study indicate that entrepreneurial skills have a significant positive effect on business success, obtained a tcount value of 4.420> 1.984 with a sig value of 0.001 <0.05 and has a regression coefficient value of 0.325. Entrepreneurial motivation also has a significant positive effect on business success, obtained a tcount value of 2.680> 1.984 with a sig value of 0.009 <0.05 and has a regression coefficient value of 0.235. In simultaneous testing of entrepreneurial skills and entrepreneurial motivation variables simultaneously affect the level of influence of 49.7% while the remaining 50.3% is influenced by factors outside this study.

The standard agreement for the delivery of goods whose contents or clauses are made by business actors to avoid losses on another day and consumers only have the choice to accept or reject, thus making the position of business actors stronger while consumers are weakened. The UUPK itself does not prohibit the existence of an exoneration clause as long as it does not violate article 18 of the UUPK. The type of research is field research or Empirical Juridical research is carried out by starting from primary data obtained from the research site, the data collection technique is through literature studies and analyzed in a qualitative way, which is a discussion that is carried out by combining literature research and field research. The results of the research obtained in the study show that consumers have been protected by Law No. 8 of 1999 concerning Consumer Protection, If a dispute occurs and a family settlement has been carried out but there is no result or no peace occurs, then consumers can take legal action as stipulated in articles 24 and 25 of the UUPK regarding how the responsibility of business actors, in the resolution of consumer disputes is protected by article 45 of the UUPK concerning dispute resolution. Dispute resolution can be done through the court and out of court, out-of-court dispute resolution can be done by filing a claim for compensation or through the consumer dispute resolution agency (BPSK). As a legal consequence that occurs if there is a clause in the standard agreement that is null and void, even though the standard agreement containing an exoneration clause has been agreed before, the agreement cannot be considered valid because it contradicts one of the contents of article 1320, which is a halal cause, due to the transfer of responsibility.  

The provisions of the 1945 Constitution Article 1 paragraph (3) "The State of Indonesia is a State of Law". In addition to being a state of law, Indonesia is also a democratic state. In the concept of democracy, the government of a country is a government of the people, by the people, and for the people (principle of democracy). One of the important moments for the state of Indonesia to adopt a democratic system is the implementation of elections. Elections are also a means to encourage accountability and public control over the state, direct elections will make prospective leaders in the election contest do various ways to attract public sympathy to be able to vote for them. Even with methods that violate the constitution are also carried out. As is often the case in society during the election period, namely money politics . Legal regulations related to money politics in Law no. 7 of 2017 concerning elections include several special articles that prohibit the practice of money politics, but legal loopholes in election regulations include unclear definitions and ambiguous exceptions. Law enforcement against the practice of money politics in Indonesia still faces many challenges. This study uses a library study method supported by relevant research. The results of the study show that the root of the problem of the emergence of money politics is the existence of legal loopholes, weak supervision and a proportional election system that opens up opportunities for the development of money politics. The problem of money politics needs to be analyzed to obtain an effective strategy in preventing it. Money politics is not in accordance with the principles of democratic theory which demands freedom and justice. Elections are said to be fair if all people have the same right to choose leaders by not violating the rule of law.

The concept of the face of the other in Emmanuel Levinas’s philosophy remains a relevant and enduring philosophical idea. The presence of the face interrupts the existence of the “I” and simultaneously calls it to ethical action. This moral summons constitutes an inherent ethical responsibility for every individual. In today’s digital era, the internet has formed a virtual space in which the face of the other emerges in new forms, including through digital content. This study examines how the concept of the face of the other is manifested in the content published by Katolikpedia.id across various digital platforms such as its website, Instagram, YouTube, and TikTok. The aim of this research is to explore the extent to which these contents awaken ethical awareness and encourage moral action among followers, readers, and the general public. This study employs a qualitative method, using a combination of literature review and content observation. The findings reveal that the content of Katolikpedia.id, both explicitly and implicitly, communicates an ethical call to society to adopt a moral stance and act responsibly. Thus, digital media becomes a new space for the presence of the face of the other and for ethical encounters in contemporary contexts.

This paper aims to determine the system and procedures for ship and goods service activities at PT. Pelayaran Berkat Usaha Mandiri Panjang Lampung at Panjang Port, Bandar Lampung. The management of the ship is managed by agencies in the port environment. Not only that, operational agents are also required to understand the workflow of the Inaportnet application so that ship operational activities are completed on time. The author uses several methods such as; observation method, interview method, documentation method, and the existence of research files. Based on the results of the observations, the author can conclude that the System and Procedures for Ship and Goods Service Operations at PT. Pelayaran Berkat Usaha Mandiri acts as an agent who is responsible for serving agency ships since the ship will arrive, namely including the clearance in process using the Inaportnet system application, in addition, the agent also takes ship documents and continues with the clearance out process until the ship will leave the port to go to the next port. In order to facilitate operational activities, supporting documents are needed for the clearance in and clearance out processes of the ship.

The existence of a positive work culture has a very important role in increasing loyalty towards employees in a company. A very supportive work environment and effective communication can create a very conducive culture. This research aims to analyze how a positive work culture can influence employee loyalty. And what strategies can be implemented in a company that aims to build a better work environment. By implementing a positive work culture, this company can increase employee retention and create an effective environment.

The increasing population triggers a demand for land for housing and other activities. Along with this, issues arise regarding the limited availability of land, especially in rapidly developed areas. This limitation has the potential to create an imbalance between the growing need for space and the existing land capacity. This study evaluates the land carrying capacity in four sub-districts in the southern part of Medan City, namely Medan Tuntungan, Medan Johor, Medan Amplas, and Medan Denai, in dealing with the continuously growing population. Using a spatial analysis approach with ArcGIS 10.8 software and detailed spatial data, this research identifies potential areas for residential development and projects the capacity of land to accommodate future populations. The analysis covers physical and environmental aspects such as land slope, soil type, natural disaster risks, and access to public facilities. The results show that each sub-district has different potentials and challenges. Medan Tuntungan, with its large area and flat land conditions, shows significant potential for residential development, although attention must be given to the existence of protected areas and agricultural land that must be preserved. Medan Johor, as an economic center, faces substantial pressure on land use, with some areas nearing their maximum capacity. Medan Amplas and Medan Denai, which are more urban, experience stricter land limitations. Population growth projections indicate a significant increase in land demand in some sub-districts in the coming decades. Without effective management, this has the potential to exert high pressure on the environment and urban infrastructure. This research emphasizes the importance of spatial planning and sustainable development policies to maintain a balance between housing needs and environmental conservation.

Abstract, In recent years, there have been challenges faced by MTs Al Abraar in an effort to improve student learning outcomes, especially in creating creative and innovative learning. The partners involved in this program are teachers at the Al-Abraar Tandem Hilir Private Middle School, Hamparan Perak District, where the main problem experienced by partners is the lack of knowledge in using IT in creating creative teaching materials. Therefore, the solution offered is to provide training in creating creative teaching materials to improve teachers' knowledge and skills in creating, using and optimizing the use of Canva. The location for implementing this program has been discussed with partners, namely at the Al Abraar Tandem Hilir Private Middle School located at Jln. Listrik Emplasmen Tandam Hilir I, Hamparan Perak District, Deli Serdang Regency, North Sumatra. This program consists of stages of preparation, implementation, monitoring, and evaluation. In implementing this service, the team implemented the in-house training method. In the implementation of the training, the community service team provided tutorial materials on the use of Canva which would be carried out for 2 meetings (2 meetings per material) and carried out alternately with a duration of 120 minutes each. Training activities on this were carried out on August 8-9, 2024 offline with lecture methods, direct training, discussions and questions and answers. The results of this activity can be seen that the participants of the activity can recognize and can create creative teaching material designs using Canva and its supporting features and are used in teaching. The sustainability of this program can be measured by the existence of teaching materials made using Canva.

Abstract and Keywords must be written in English, in italic style, and contain a brief description of the research background, objectives, methods, findings, and implications. The abstract is written in one paragraph with a single space (maximum 200 words), without any reference or formula. Real Work Lectures (KKN) is a mandatory program for students which aims to apply knowledge in society. This report presents the results of the implementation of KKN at Agustinus Adisucipto Catholic Middle School, Penfui, which focused on creating a spiritual literacy corner. This activity aims to increase students' reading interest and spiritual understanding, as well ascreating a more comfortable learning environment Through various activities, students succeeded in developing literacy facilities which had a positive impact on the teaching and learning process at school. The results of this activity show that with the existence I of a literacy corner, students are more enthusiastic in learning and can overcome learning obstacles in class.

Building agreement and influencing public opinion need effective communication. As a means of expressing ideas, language creates emotions that are used for political advantages during an electoral campaign. Human existence and the maintenance of connections depend on communication, a complex process. In actuality, human interactions are lubricated by this substance. Despite its importance, communication has two sides and can be applied either favorably or unfavorably. From the standpoint of its capacity for complexity, Boulton (2019, p. 41) pointed to the negative social intent of language. She also noted that language is frequently employed to deceive rather than to communicate. Human existence and the maintenance of connections depend on communication, a complex process. In actuality, human interactions are lubricated by this substance. Despite its importance, communication has two sides and can be applied either favorably or unfavorably. According to Boulton (1978, p. 41), from the standpoint of language's capacity for complexity to the detrimental societal intent of language. She also noted that language is frequently employed to deceive rather than to communicate. Therefore, this discourse examines how the political advertisement "See who wants to be President of Nigeria" exposed ignorance and ineptitude as unacceptable in a moral and democratic society such as Nigeria. It is a political communication activity that uses word choice and language as a means of rejecting a candidate in the April 2015 Nigerian presidential election.

Many Muslim communities still consider business ethics to be unimportant in business activities, because business is nothing more than just seeking profit. This study will discuss how business ethics are in the perspective of the Qur'an. This study includes library research, namely research that examines data sourced from library materials, using the thematic interpretation method. This study is based on the interpretation of verses of the Qur'an that directly discuss business morality and verses that do not directly discuss business morality. Business in the Qur'an is both material and immaterial. Where business in the Qur'an does not only prioritize material profit but also spiritual profit. The existence of business morality cannot be separated from the business itself. The business morality of the Qur'an contains basic business values ​​such as the values ​​of unity, balance, free will, accountability, and ihsan. Then it gives birth to business morality which is free from elements of falsehood, damage and injustice such as usury, fraud, reducing the measure or fraud, corruption, bribery, gambling, gharar and hoarding and so on. Then business in the Qur'an highly prioritizes hasanah values ​​such as honesty, trustworthiness, fairness, social responsibility, istiqomah, tolerance and friendliness in business life. Thus, business ethics in the Qur'an are not only oriented towards fulfilling the needs and welfare of life in the world, but also business as a means of goodness for safety in the hereafter.

This article discusses the transformation of international payments that continues to develop along with technological advances and increasing needs for efficiency, speed, and security in conducting cross-border transactions. This development is marked by the innovation of international payments with the existence of CBDC (Central Bank Digital Currency) and its integration with fintech, as a digital currency issued by the Central Bank. In this study, the research method used is a qualitative descriptive method. Where data can be obtained through informal group discussions, literature studies, and from various sources of information related to the transformation of international payments, CBDC, and the fintech ecosystem. The results of the study show that there has been a transformation of international payments that started from manual or cash transactions, until now it can carry out digital payment transactions using CBDC payment innovations. However, there are challenges or risks in using CBDC, namely related to data security and privacy, new financial technology regulations, changes in consumer behavior, and financial stability risks. This article is expected to provide insight for industry players to be able to utilize the potential of CBDC and fintech in building a more modern and sustainable international financial system.

The existence of political parties in a country that adheres to a democratic system is a necessity and the inevitability of their existence. Because with the existence of political parties, democracy will run according to the reel that it should run, starting from the freedom to gather and associate as regulated in the constitution to the implementation of general elections for President and Vice President, Legislative and regional head elections indicating that democracy in a country is at least whether or not it can be said to be going well. In Indonesia itself, the existence of political parties can be said to be multi-party because there are more than two parties, as in several other democratic countries where there are only two parties. Although in general, if we look at their ideology, political parties in Indonesia can be grouped into just two, namely parties that are religiously oriented (religious) and parties that are nationalist (state) oriented. In the research results, it is stated that multi-party parties do not always work well and are relevant, so there needs to be simplification in the future so that people are not confused by many parties.

The expertise of teaching and learning a science must go through a learning process and is supported by the existence of proportional methods and techniques. Yanbu'a method is a method used to learn, read, write and memorize the Qur'an. The growing number of students at the Arriyadl Pesantren Putri demands changes in various aspects. Based on this, it is necessary to learn to read the Qur'an with a method. The method chosen is to use the Yanbu'a method located in the Arriyadl Putri Islamic Boarding School. The purpose of this study was to determine how the application of learning and evaluation of the yanbu'a method. The research method uses a qualitative method based on the philosophy of positivism which is used to examine naturalistic phenomena. Data collection techniques using participant observation, in-depth interviews and document studies. The data validity test uses triangulation techniques and data analysis uses mile and huberman interactive analysis, namely data collection, data reduction, data presentation, and conclusion drawing/verification. The results of the study include a. The implementation of the Yanbu'a Method in learning the Qur'an at Madrasah Diniyyah Qur'aniyyah Arriyadl Putri Ringinagung is carried out with 2 learning systems, namely classical or group and individual learning, namely by reading and listening and sorogan techniques. The learning process includes opening, content and closing. The learning process is well scheduled and organized, the material for each volume, memorization and other readings in one week have been framed for learning effectiveness. b. The evaluation of learning the Yanbu'a method at MDQ Arriyadl Putri can be said to be successful, although not yet fully maximized. The implementation of the evaluation of learning to read the Qur'an at MDQ Yanbu'a consists of several stages, starting from daily tests commonly called page increment tests, volume increment tests, to the final test organized by the Muraqabah Yanbu'a Institute of Kediri district.

This study aims to describe and analyze comprehensively and in detail about: Implementation of Inclusive Education at the High School/Vocational School (State) Level in Jombang Regency and factors that affect the Implementation of Inclusive Education at the High School/Vocational School (State) Level in Jombang Regency. This research is a qualitative research, with data collection techniques using interviews, observations, and documentation. Data analysis techniques Interactive data analysis. The results of the study show that the Implementation of Inclusive Education at the High School/Vocational School (State) Level in Jombang Regency is carried out in several stages, namely inclusive education planning, inclusive education organization, inclusive education management, and inclusion education evaluation. Factors Affecting the Implementation of Inclusive Education at the High School/Vocational (State) level in Jombang Regency include: The first factor is the Communication Aspect which is carried out by means of socialization of the Inclusion education policy carried out by the Jombang Regency Education Office to  school principals, staff, committees and teachers, the second factor is   the Resource Aspect that is supported 715 staff including educators and non-educators who are ready to support the Inclusive Education Policy, the Third Factor of the Commitment Aspects,  the Jombang Regency Education Office makes a policy that All High Schools/Vocational Schools in Jombang are Required to Accept Students with Mild Disabilities, the Fourth Factor of the Bureaucratic Structure which is marked by the existence of The Jombang Regency Education Office has coordinated with Supervisors, Principals and Teachers in implementing the Inclusion education policy. 

The researching in this thesis was motivated by the existence of problems with student at mtsn 5 pasaman Students realize that in teaching this language students will not be interested in learning Arabic if they do not use an approach or model in their learning, Not all students actively participate in this project-based learning model, Lack of resources such as textbooks and technology in implementing the project-basedlearning model ,Difficulty in time management, because project-based learning requires time for planning, implementation. The research methodology studied by researchers used qualitative methods. The qualitative method is research that attempts to reveal the natural or realistic conditions that exist at that location. Qualitative research not only collects individual variables, but these variables can be linked to other variables. This research, the researcher used a qualitative approach with a descriptive case study type, namely research that describes a social event and certain situations that are described correctly using words. Results show that the challenges of the project-based learning model process: learning Arabic through a project-based model at SMP Islam Negeri 5 Pasaman faces many challenges, including: The diversity of students' basic abilities middle school students have varying knowledge and abilities in Arabic. Difficulty in time management .The time allocated for learning Arabic at SMP Negeri 5 Basaman is generally limited, so it can be a challenge to complete projects that take a long time because project-based learning requires time for planning, implementation and evaluation, Availability of learning resources.

The existence of management of facilities and infrastructure to serve the entire community in the school through a joint effort to achieve goals both effectively and efficiently. The formulation of the research problem is; How to Manage School Facilities and Infrastructure to Support Student Learning Achievement at MTS Assalam. The aim of the research is to find out how the management of school facilities and infrastructure supports the achievement of student participants at MTS Assalam Penuguan Banyuasin. Qualitative research method, using a descriptive approach. Information is obtained from interviews, hand notes, documents and visual materials such as photos and videos, materials from the internet and other documents. As a result of the research, findings were obtained regarding: The availability of facilities and infrastructure in schools can make it easier for students and teachers in the learning process, if they have adequate facilities and infrastructure, teachers' strategies and skills in teaching and use the facilities and infrastructure appropriately. Complete educational facilities and infrastructure can create better learning conditions. Based on the research results, conclusions from interviews with management informants of facilities and infrastructure at MTS Assalam can be said to support student learning achievement, because at MTS Assalam the infrastructure is good. And the suggestion is that schools need to increase creativity and innovation in maintaining facilities and infrastructure. So doesn't cost too much money or procurement funds for maintenance. For example, holding a class wall cleaning competition. So that student creativity increases, maintenance is maintained and expenses for purchasing wall paint are minimized.