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Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

The lack of land preparation and trash bins in Pulau Kalimanting Village is one of the problems that has occurred so it is necessary to evaluate the prevention of problems that occur so as not to cause diseases that will make people sick. The purpose of this Kuliah Kerja Nyata (KKN) is to find solutions related to environmental pollution problems found in Pulau Kalimating Village at this time. Some of these places are at the State Elementary School 013 Pulau Kalimanting Village, Posyandu, and Lane House. Because of these problems, the right solution is to procure a trash can as a form of implementation to reduce the dirty environment in Pulau Kalimating Village. This report will describe how the trash can functions for the village community so that with these efforts it is hoped that it can increase public awareness about the importance of environmental cleanliness and understand the concept of sorting organic and anorganic waste. The method used is by directly handing over the bins to the school principal, the head of the posyandu, and the lane chairman who will later use the bins properly. This activity was well received and enthusiastic by the community because it was considered as an effort to improve environmental cleanliness in Pulau Kalimanting Village. Thus, this activity is quite effective in overcoming waste piles.  

Based on the findings of class VIII junior high school students, the results showed that class VIII students were still minimally introduced to scientific work, in accordance with the Science Education Content Standards, scientific work is an important characteristic of science learning subjects and of the 26 students the level of mastery of the material only reached 26.93. %. Identifying the problems raised, the author tries to improve learning by conducting research applying the Direct Instruction (DI) Model. Based on the learning results during the learning activities, the author formulates the problems that arise and discusses them with supervisor 2 to find the causes and problems identified above. The problem in improving this learning is formulated as follows: Can the Application of the Direct Instruction (DI) Model Improve Learning Outcomes in Science Learning Material on Plant Structure and Function in Class VIII Odd Semester of SMP Negeri 1 Simpang Teritip for the 2022/2023 Academic Year? From the improvement activities of Cycle I, the following results were obtained: 3 students who got a score less than 40 - 55 (11.54%), 10 students who got a score greater than 56 - 66 (38.46%) and There were 13 students who got a score greater than 67 – 79 (50.00%). In cycle II, there were 9 students who got a score less than 56 - 66 (34.62%), 16 students who got a score greater than 67 - 80 (61.54%), students who got a score greater than 81 – 100 as many as 1 person (3.84%). In Cycle III, it showed that of the 26 students studied, 3 people (11.54%) got a score of less than 75, while 23 students got a score of more than 75 (88.46%). The average student score increased by 86.15 - 73.46 = 12.69. Increased 12.69% compared to cycle II. The conclusion from writing this PTK is that the correct application of the Direct Instruction (DI) Model can improve learning outcomes.

One of the tasks of airlines is to ensure the quality of service related to punctuality. Lion Air YIA Airport often experiences problems related to delays, namely the unauthorized refusal by the carrier to carry out the carriage agreement due to factors such as weather conditions that make it impossible to carry out flight activities, passenger delays during boarding time, and delays from pilots, co pilots, cabin crew, catering and, aircraft unpreparedness or handling in the area. This study aims to determine the handling of delays at Lion Air Airlines at Yogyakarta International Airport. This study used qualitative research methods with data collection techniques in the form of observation, interviews, and documetation. The data analysis used is Data Reduction, Data Presentation, and Conclusion. The triangulation techniques used are source triangulation and triangulation techniques. The implementation of this research was carried out on September 1 – September 30, 2022 at Yogyakarta International Airport. The results of this study are factors that cause flight delays (delay) are dominant factors, namely weather factors in the form of heavy rain and unstable wind speed. As well as other factors, namely problems from the previous airport, weather factors in the form of heavy rain and unstable wind speed. errors during passenger checks or fitting boarding documents, and damage to aircraft engines, and overcrowding of flights. The handling carried out by Lion Air YIA International Airport is in accordance with the rules of the Law and the rules of the airline itself, including giving snacks or drinks to passengers, and reimbursing money or costs in accordance with the rules of the Law and the airline's own rules. The solution to overcome problems in handling delays is to communicate with cathering parties to avoid delays in procuring delay service and try as much as possible to understand passengers by paying attention to passengers.    

Thematic Real Work Lectures (KKN) are KKN whose activity programs focus on certain areas according to social problems and the direction of development policies implemented by certain regional governments. STKIP Darussalam Cilacap organizes a Real Work Lecture program using the thematic method. KKN-T is intended to develop a spirit of empathy and concern for problems that occur in society. KKN-T was implemented in several villages, one of which was Rawaapu Village, Patimuan District, Cilacap Regency. The results achieved after implementing this Waste Education Program are increasing children's understanding of waste and how to use it. This of course also indirectly increases students' awareness of the waste crisis that has occurred. The uses for this recycled waste product include making elcobricks and also making flower pots. This is to increase children's awareness and to encourage children to be able to make and develop recycled products from waste. Especially non-organic waste which takes a very long time to decompose

The purpose of carrying out this research is to find out: (1) The steps for implementing individual guidance by the principal for teachers to increase teacher work productivity at SMP Negeri 3 Muntok, and (2) The magnitude of the increase in teacher work productivity after implementing individual guidance developed by the school principal . This research is school action research analyzed using a qualitative approach. The research was carried out at SMP Negeri 3 Muntok in 2019. The research results obtained were: (1) The implementation of individual guidance can be developed based on the steps: (1) Guidance on developing learning models through comparative studies and follow-up planning, followed by analytical guidance SWOT; (2) Guidance on the implementation of educational administration, followed by providing direct feedback on the results of the teacher's work; (3) Advanced guidance sets reliable targets, developed through joint evaluation of program targets for other teachers who are also experiencing the same problems; (4) Guidance on how to carry out collaboration with other teachers in more depth, up to the ability to demonstrate the materials needed by other teachers; (5) Guidance on effective and efficient work strategies, which are developed through training in determining optimal quantity figures and how to measure them, namely through scoring techniques; (6) Developing motivational guidance; (7) Building independence so that teachers avoid plagiarism-based activities, and guidance in making effective plans; (8) Guidance in making effective work planning coupled with innovative aspects; (9) Encourage teachers to implement programs to increase teacher competency through seminars and workshops followed by implementation of the results of new experiences from teacher activities; (2) The implementation of individual guidance is able to increase teacher work productivity in schools by resolving teacher problems in the development and implementation of learning programs in schools.

The author of this final report aims to analyze the calculation of the cost of production based on orders for January 2023 at CV Rantau Bayur Permai. The company is located at Jln. Palembang – Jambi, Sukamoro, Kel. Tanah Mas Kec. Talang Kelapa KM.14 sukajadi, Banyuasin Regency, South Sumatra 30961. And is a company engaged in convection. From the data obtained by the author through interviews and observations. Based on data from the company, the authors found several problems, namely the company had not classified the cost of raw materials and auxiliary materials, the company had not taken into account the cost of depreciation of equipment and electricity into the calculation of the cost of production, so that the calculation of the cost of production was not correct as a whole. Based on the existing problems, the author suggests grouping raw material costs and supporting material costs and calculating depreciation costs and electricity costs into factory overhead so that the cost of production can be calculated correctly.

BACKGROUND The exact incidence of infertility is not yet known with certainty, it varies greatly depending on geographical conditions, culture and social status of the country. Women who marry at an old age or mature and work actively will greatly affect a woman's fertility. It is estimated that around 2 million new infertile couples appear every year and this number continues to increase. It is estimated that a healthy couple will get fertilized within 1 year (Nuparma, 2017). Infertility data in the world according to the World Health Organization (WHO) and other reports estimates that 8-12% of couples experience infertility problems during their reproductive years. If eight percent of the global population figure is around 60-80 million couples who have not had children. OBJECTIVE To analyze the factors that influence the occurrence of primary infertility in couples of childbearing age at the Pegajahan Community Health Center, Pegajahan District, Serdang Bedagai District in 2023. METHOD chi square test p value < 0.05 means H0 is rejected and Ha is accepted, the statistical test results show a significant relationship. RESULTS: There is a significant relationship between age, menstrual cycle and no history of PMS and employment with the incidence of infertility and is a risk factor that has a significant influence on the incidence of infertility. Suggestions are given for research and for research sites and for educational institutions regarding exclusive breastfeeding and the implementation of IMD for newborn babies

Background: Knowledge about wound care in families and patients with diabetes mellitus foot wounds needs to be increased so that families can assist in the optimal wound healing process and patients can understand more about wound care. The need for education with booklets and audiovisual media for families of diabetes mellitus patients is to increase the effectiveness of family understanding in detecting signs of diabetes mellitus foot problems and appropriate treatment. The purpose of the case study is to illustrate the application of education using booklets and audiovisual media to increase family knowledge about the treatment of diabetic foot wounds in the Sekaran Health Center target area. This research method uses a case study with a descriptive approach. The results of the study regarding family knowledge about the treatment of diabetes mellitus foot wounds were obtained in subject I before receiving education a good level of knowledge with a score of 24, after receiving education a good level of knowledge with a score of 28, subject II before receiving education a moderate level of knowledge with a score of 19, after receiving education level of knowledge is good with a score of 26. Conclusion: health education is very important to increase family knowledge about the treatment of foot wounds with diabetes mellitus, carried out at the Sekaran Health Center.

In the era of rapid technological and information system developments that encourage people, both groups and individuals, both government and private institutions to utilize technological developments have a very important role in the progress of human life. Rapid technological developments One of the advantages of computers in processing data can increase effectiveness, productivity, and efficiency in carrying out work in current technology makes it easier to manage inventory. Cash sales transactions are said to have been carried out if the company has received payment from the customer and will then be handed over by the company to the customer of the Cat Jaya Gemilang Semarang shop, a company engaged in the field of building paint trading in Semarang. Currently, the system that is running is still manual, namely the administration section records incoming and outgoing goods, all recorded in the book for sales are also recorded manually. With manual recording, books are easily damaged or torn, data in the warehouse records is sometimes not the same as the physical goods that exist, and there is no data security. With the above problems, the author created a system that can reduce weaknesses by creating a systematic application in the database.

The Teaching Campus Program is a follow-up program to the Pioneer Teaching Campus Program organized by the Indonesian Ministry of Education and Culture in 2020 as a concrete manifestation of higher education through its students to take part in moving to make education successful nationally in a pandemic situation. The aim of this service is to understand the process of empowering Al-Qur'an Science University students in the Teaching Campus 5 Program at One Roof 4 State Middle School Sukoharjo and One Roof 3 State Middle School Kejajar, Wonosobo Regency. The empowerment strategy goes through four stages, namely: provision, deployment, monitoring and withdrawal. The results of this empowerment show that Al-Qur'an Science University students in the Teaching Campus Program have contributed to solving the problems of post-pandemic education, namely the lack of motivation to learn. This can be seen from the increase in school literacy and numeracy, as well as improved school adaptation to technology in the learning process, and the realization of a project to strengthen the profile of Pancasila students (P5). These results contribute to school recovery after the Covid-19 pandemic. The conclusion focuses on the importance of emotional ties between students and the school in realizing a goal to be achieved together and its implications for the sustainability of national education.

Kelbung Village, Galis sub-district, is geographically located in the eastern part of the City of Bangkalan Regency and is a potential area for the development of agricultural and livestock commodities. The livelihood of the people apart from raising cattle is farming. In addition to topographical conditions, climatic conditions also support this area for the development of various agricultural commodities and beef cattle breeding. This Community Partnership Program (PKM) activity is a team activity from the Bangkalan Ushuluddin Darussalam College of Science with partners, namely livestock farming groups in Kelbung Village, Galis Bangkalan sub-district. One of the problems agreed to be resolved through this program is in the agricultural sector, namely providing counseling and knowledge about making organic fertilizer from waste (cow dung). The target and outcome of the counseling and training activities for making organic fertilizers is that partner groups understand how to make organic fertilizers and apply them to plants. In order to find out the increased understanding of partner farmer groups, an evaluation was designed that was carried out at the beginning (pre-test) and at the end of the activity (post-test). The results of activities in the form of counseling and training can significantly increase the knowledge of partner members regarding the manufacture of organic fertilizers and their use in plants.

The purpose of this research is to find out about the preparation of equipment and documents before carrying out dry bulk unloading activities at PT Wahana Intradermaga Niaga Belawan. Preparation of equipment and documents before unloading dry bulk is a crucial step in ensuring smooth, safe and effective operations at ports and distribution facilities. This process involves moving goods in dry form, such as grain, coal, and wheat, from a means of transportation to a storage area or final destination. In the process of preparing equipment and documents before carrying out dry bulk unloading activities, problems often occur such as damage to unloading equipment and delays in documents caused by lack of information and difficulties in compiling complete documents, so that the service will have a less effective impact and hinder the implementation of loading and unloading. In addition, the author will highlight the importance of complete documents, such as loading and unloading permits, contractual agreements, and security documentation, to ensure legal compliance and smooth operations. This research method uses the field research method (field research) and the library research method (retrieval of data from the library). The results of this research are that by paying careful attention to the preparation of equipment and documents before starting dry bulk unloading activities, companies can increase operational efficiency, reduce the risk of accidents, ensure legal compliance, and maintain safety for all parties involved.

Ta’aruf is a process of introduction between two individuals aimed at building a more serious relationship within the context of marriage. In modern society, dating is often considered a preliminary step toward marriage; however, from an Islamic perspective, dating can lead to various moral and social problems. This journal aims to explore the relevance of ta’aruf as a more appropriate alternative aligned with Islamic values in avoiding dating. Through theoretical reviews, research methodology, and data analysis, this study seeks to provide effective solutions to the challenges of relationships among Muslim youth. The findings indicate that ta’aruf has a strong foundation in Islamic teachings and offers a safe space for individuals to get to know each other in a shar’i (lawful) manner without violating religious boundaries. This process not only minimizes the potential for moral pitfalls but also fosters a healthier and more purposeful foundation of communication toward a harmonious marriage (sakinah). With the right approach, ta’aruf can serve as a relevant, adaptive model of pre-marital relationships that educates young Muslims to build families based on Islamic values.

This study is based on the fact that in Rambipuji District, Jember, there are many early marriages and poor-quality marriages, so intervention from religious figures and counselors is needed. The purpose of this study is to evaluate the role of religious figures and counselors and how effective they are in realizing harmonious families and reducing the number of early marriages in the area. This study was conducted qualitatively, with interviews and thorough observations of religious figures, counselors, and newly married couples. The results of the study indicate that religious figures and counselors have an important role in providing effective education and counseling. However, there are still problems in implementing the program consistently. The results indicate that religious figures and counselors need increased capacity and support so that they can do their jobs better. To obtain larger data, quantitative research should be used, and specific approaches should be studied for different cultural contexts.    

Learning style is an important aspect that must be considered in the learning process. This research was motivated by the discovery of problems where there were several students who had difficulty adapting their way of learning to the teacher's way of teaching in class, students did not understand the subject matter, and many students' learning outcomes were below the standard of completeness. The purpose of the study was to determine whether there was a correlation between learning styles and Islamic Religious Education learning outcomes for class VII students at SMPN 4 Pangkalan Koto Baru District for the 2022/2023 academic year. This type of correlational research uses a quantitative approach. The research sample of all class VII students was 44 people. Research data collection techniques use questionnaires and tests. Data analysis uses the r person product moment test. According to the data analysis, the sig value was obtained. (2-tailed) learning styles and learning outcomes 0.000 < 0.05 at a significance level of 5%, the value obtained is rcount = 0.711 > rtable = 0.304, meaning that the Ha hypothesis is accepted that there is a positive significant correlation between learning styles and Islamic Religious Education learning outcomes for class students VII at SMPN 4 Pangkalan Koto Baru District for the 2022/2023 academic year and Ho was rejected. The correlation coefficient value obtained is 0.711, meaning there is a strong correlation. The coefficient of determination obtained is 0.506 so it can be interpreted that learning style has a moderate contribution of 50.6% and the rest is influenced by other factors..

Objective: to determine trends in consumer legal protection in the digital economy era from various industries in Indonesia based on article reviews. Method: secondary data in the form of articles that match the research objectives with a publication period of 2014-2023, obtained online from Emerald, Elsevier, and Google Scholar. The analysis was carried out using Systematic Literature Review (SLR), using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) approach. Results: The data search obtained 341 articles, and those that met the inclusion criteria were 9 (nine) articles with publication years 2019–2023 , in the fields of e-commerce, fintech, and online transportation. Article on cases of transactions via e-commerce and online transportation using UUITE No. 19 of 2016, and UUPK no. 8 of 1999. This regulation has not been able to meet increasingly dynamic market conditions and very sharp competition in the business world, so it has not been able to provide legal certainty to consumers. Problems in the fintech P2P lending sector use the legal basis of POJK No. 77 of 2016 concerning Information Technology-Based Money Lending Services. Regarding this regulation, it is still subjective, so it cannot provide protection to customers. In fact, there are still many illegal fintech loans found, thus outside the responsibility and authority of the OJK. Novelty: trends obtained from previous research regarding consumer legal protection. Future Research Agenda: conducting a study on the future of law in the digital economy era regarding obstacles in harmonizing various regulations.

Some of the problems that underlie the low quality of education include: Lack of teacher planning in teaching, teachers seem monotonous in carrying out learning activities and are not flexible in responding to current developments in the field of education, and a lack of variety in the learning methods used resulting in a lack of student enthusiasm in learning. This School Action Research (PTS) aims to improve teacher learning outcomes through the use of lesson study as a learning community for teachers in the Classes of SMP Negeri 1 Simpang Teritip for the 2021/2022 academic year. The subjects of the School Action Research are teachers who teach at SMP Negeri 1 Simpang. Teritip, Simpang Teritip District, West Bangka Regency 2021/2022 Academic Year. The results of the research showed that through the use of lesson study as a learning community for teachers in classes at SMP Negeri 1 Simpang Teritip, there was an increase of 21.67% in cycle I and 14.66% in cycle II. In detail, for teacher 1, the initial condition was an average of 53.33, the first cycle averaged 75.00, an increase of 20.00%, the second cycle averaged 91.25, an increase of 16.25%. Teacher 2 initial condition averaged 55.00, first cycle averaged 80.00, increased 25.00%, second cycle averaged 91.25, increased 10.25%. Teacher 3 initial conditions average 50, cycle I average 70, an increase of 20.00%, cycle II average 87.50, increase 17.25%. The results achieved by the teacher have met the target, namely by comparing the results with a minimum increase of 10%. Based on the results of the research above, it can be concluded that through the use of lesson study as a learning community for teachers in classes at SMP Negeri 1 Simpang Teritip, learning outcomes can be improved.

Serotinus is one of the obstetric complications that needs to be watched out for and there is a high risk of caesarean section during delivery. These complication will be made worse if the mother experiences anemia which can cause uterine atony, post partum bleeding and even lead to maternal death. According to WHO (2021), the Maternal Mortality Rate (MMR) is 329,000 per 100,000 live births, data from the Brebes Health Office in 2022 is 105 cases, and data from the Paguyangan Community Health Center (2021) is 4 cases. Researchers implemented comprehensive midwifery care using Varney and SOAP documentation. This research uses a qualitative descriptive method with a case study approach. Data collection used interview methods, observation, physical examination, supporting examinations, medical records, KIA books and other literature. The main informant is Mrs. A, while additional informants were midwives, general practitioners, obstetricians, nutrition officers, laboratory officers, husbands and families. Based on the results of pregnancy, childbirth, newborn, postpartum and family planning care, there were only problems in pregnancy at the age of 29+1, namely breech and oblique presentation and mild anemia with HB 9.6 g/dL and at the gestational age of 31+3, namely underestimation of fetal weight.

Risk factors during pregnancy can increase complications including gestational hypertension which can contribute to MMR.Maternal mortality according to WHO (2021) is 329,000 people, in Indonesia (2021) there are 7,389 cases, in Central Java (2022) there are 864 cases, in Brebes Regency (2022) there are 50 cases and at the Bumiayu Health Center which is a shade of Brebes Regency also contributes 2 cases. The purpose of this study is to provide midwifery care for pregnant women, maternity, newborns, postpartum and family planning comprehensively. The method in this study used descriptive qualitative with a case study approach.  Data collection techniques with interviews, measurements, physical examination and documentation. The main informant is Mrs. S with additional informants namely husband, family, midwife and Dr. Sp.OG. Based on the results of pregnancy, childbirth, newborn, postpartum and family planning. Found problems during pregnancy, namely Mrs. S with blood pressure 140/103 mmHg, negative urine protein which is classified as gestational hypertension.