Publication Search

This study explores the effect of Islamic microfinance on empowering rural communities through environmentally sustainable business practices. Rural areas often face significant financial exclusion, with limited access to ethical financial services, particularly for eco-friendly enterprises. Islamic microfinance, grounded in Sharia principles such as risk-sharing, ethical investment, and the prohibition of interest (riba), offers an alternative financing model that can potentially foster both economic and environmental sustainability. The objective of this research is to analyze the impact of Islamic microfinance on rural communities, focusing on income growth, the adoption of environmentally sustainable business practices, and social empowerment. Using a mixed-methods approach, the study combines field surveys and interviews with beneficiaries of Islamic microfinance institutions (IMFIs) in rural areas. Data collection tools included questionnaires, focus group discussions, and institutional reports. Key findings reveal that participants in Islamic microfinance programs experienced significant income growth, an increase in environmentally friendly entrepreneurship (e.g., organic farming and recycling businesses), and enhanced community participation and self-reliance. The discussion highlights how Sharia principles encourage ethical investment and sustainable practices, contributing to a triple-bottom-line impact—economic, social, and environmental. However, challenges such as limited awareness, lack of green finance literacy, and regulatory constraints were identified. A comparison between Islamic and conventional microfinance outcomes showed that Islamic microfinance offers a distinct advantage by integrating moral, social, and ecological responsibilities. The study concludes that Islamic microfinance can serve as a transformative tool for rural development, offering solutions to both economic and environmental challenges. The research underscores the need for supportive policy frameworks and further investigation into the long-term impacts of green Islamic finance.

The rapid advancements in technology have increased the demand for more efficient and effective training programs, especially in the technology sector. This study explores the impact of Virtual Reality (VR)-based training programs on employee skill development and job satisfaction, comparing them to traditional training methods. A controlled group experiment was conducted with employees from various departments such as IT, software development, and customer service. Participants were randomly assigned to either a VR-based training program or a traditional training program. Data was collected using pre- and post-training surveys to measure changes in employee skills and job satisfaction, as well as interviews to gather qualitative insights into employee experiences. The results revealed that VR training significantly enhanced employee engagement, skill acquisition, and overall job satisfaction. VR-based training allowed employees to engage in practical, hands-on tasks in a controlled, immersive environment, leading to higher motivation and a greater sense of accomplishment. In comparison, traditional training methods did not yield the same level of improvement in engagement or skill development. The study also identified several challenges associated with implementing VR training, including high initial costs, technical limitations, and the learning curve for employees adapting to VR environments. Despite these challenges, the findings suggest that VR training offers substantial benefits in enhancing employee competencies and job satisfaction. The study concludes with recommendations for integrating VR into employee development strategies, especially in technology industries, and proposes further research to explore the long-term impacts and scalability of VR training across different industries.

Digital ethics frameworks play a crucial role in shaping corporate governance in tech startups, ensuring transparency, accountability, and trust within organizations. As digital technologies continue to evolve and become more integrated into daily operations, startups face both opportunities and challenges related to the ethical implications of these technologies. In emerging markets like Indonesia, the adoption of these frameworks remains limited due to resource constraints, lack of awareness, and resistance to formalizing governance structures. This study explores how Indonesian tech startups integrate digital ethics frameworks into their governance policies and examines the associated benefits and challenges. Through interviews with governance managers and key decision-makers in these startups, the study identifies key trends, including improved transparency and enhanced stakeholder relationships for startups that implement digital ethics practices. However, barriers such as limited expertise, organizational misalignment, and the flexible nature of startups present significant hurdles. The study also highlights the impact of digital ethics on corporate reputation and investor confidence, with startups benefiting from a stronger market presence and increased funding opportunities. In comparison to global practices, Indonesian startups face additional challenges due to cultural attitudes towards corporate responsibility, regulatory gaps, and a slower market readiness for ethical governance reforms. The study provides recommendations for regulatory bodies to create clear guidelines for digital ethics adoption and suggests promoting training for startup leaders to help them integrate these frameworks effectively into their governance policies. These actions can support the long-term sustainability of tech startups, fostering responsible innovation and ethical business practices.

The land title (in Indonesian: sertipikat) is a legal product issued by the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency, while “sertifikat” (spelled with 'f' instead of 'p'), which is the standard term according to KBBI (Indonesian Dictionary). The number of social media users increases every year, resulting in a growing amount of data generated. Big data derived from social media can encompass public perception or societal behaviors. The significant benefits derived from social media analytics provide opportunities to explore and analyze data sources within social media. This study analyzes data from the social media platforms Twitter, Facebook, and Instagram to determine common terms used by the public regarding "sertipikat tanah" (land certificate) and "sertifikat tanah" (land certificate). These platforms were chosen because they provide open data. The use of uncommon terms among the public potentially hinders the government's intended objectives. The final results indicate that despite "sertipikat" being the official legal term, the public is more accustomed to using "sertifikat tanah." The comparison of usage between "sertipikat tanah" and "sertifikat tanah" on Facebook is 11% : 89%, on Instagram 38% : 62%, and on Twitter 70% : 30%, with the majority of "sertipikat tanah" usage on Twitter originating from government accounts.

The development of Jayapura City as the capital of Papua Province has grown into a region very rapidly from being a modern city. The classification of areas in Jayapura City is included in the heterogeneous area group where the types of population come from various tribes and regions that live in Jayapura City. The city of Jayapura has land and sea areas with different areas, and has residential characteristics as a traditional village. The settlements of Kampung Enggros and Kampung Tobati are located around the coast of Yotefa Bay, including in the South Jayapura District and Abepura District of Jayapura Municipality, where the community builds their settlements above sea water. One thing that residents will face is the relationship between humans and the places where they live, which cannot be separated from nature. The research methods used to achieve the objectives of this research are comparative analysis and qualitative methods. The comparative analysis method displays settlement patterns with comparisons between 2019-2023 in the form of images.  Qualitative descriptive analysis method by presenting actual settlement development problems in the field in the form of pictures. The research results show that there are 3 factors for settlement development in Enggros and Tobati Villages, namely, Community, Protection and Network. Society is changing from traditional to modern, for example traditional houses become modern houses that keep up with the times. The network turns into a spatial structure in a pattern that is influenced by the economic aspects of indigenous communities. The main thing is natural factors because in the general view of indigenous Papuans, what is meant by their home is the natural surroundings where they can live.

This study aims to determine the relationship between work motivation (X1), work  efficiency (X2), and work ethic (X3), on employee productivity (Y) at Black Campaign Coffee Shop Tangerang. The population in this study were employees of the Black Campaign Coffee Shop Tangerang. The sample in this study was 50 respondents. The sampling technique used is Proportionate Stratified Random Sampling. The instrument in this study uses a questionnaire with a measurement technique is a Likert scale. The results of this study indicate that the independent variable of work motivation (X1) has a two-way test t-table value of 1.677, the results obtained from the comparison of the t-count > t table (5.160 > 1.677) which means that work motivation has a significant influence on work productivity. , in addition to the independent variable Work Efficiency (X2) has a value of t table two-way test of 1.677, the results obtained from the comparison of the value of t count > t table (5.096 > 1.677) which means Work Efficiency has a significant influence on Work Productivity, and the independent variable work ethic (X3) has a value of t count > t table (4,593 > 1,677) which means that work ethic has a significant effect on work productivity. And simultaneously work motivation, work efficiency, and work ethic positively and significantly affect work productivity. Obtained f arithmetic > f table (15.712 > 2.81) with a significance level of 0.000 < 0.05.    

To compete with other stores, store owners need to design various strategies, one of which is understanding customer purchase patterns. This article examines the Squeezer algorithm and compares the performance of the Apriori and FP-Growth algorithms in forming customer purchase association patterns that can be used as a reference for store owners in planning sales strategies. The data mining process was carried out using Association Rules and Clustering methods. A total of 1256 sales transaction data samples were analyzed to understand the association patterns produced by each method. Based on the test results with a minimum support of 0.2 and a confidence of 0.6, the Apriori algorithm produced 194 association rules with a total rule strength of 1.16. Meanwhile, the FP-Growth algorithm produced 52 association rules with the same total rule strength of 1.16. The Clustering Method resulted in 7 clusters with a similarity value of 0.06322. After comparison, the FP-Growth algorithm proved to have better performance in generating association rules compared to the Apriori algorithm.

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.

Cats (Felis catus) are a type of carnivorous mammal from the Felidae family that was domesticated and has been one of the animals that has mingled with humans since time immemorial. Domestic cats are broadly divided into 2 types, namely village cats and purebred cats. Purebred cats have quite a varied number of types. Therefore, confusion often occurs in determining the type or breed of cat. Meanwhile, in practice, each race does not have the same treatment (especially in the aspect of care). In digital image processing, Machine Learning and Deep Learning are the main aspects in the process of applying technology that can overcome this problem, so research related to this problem was designed. This research was conducted to add insight for further research in a more sophisticated and effective image recognition process. In the experiments carried out in this research, the SVM, KNN, and CNN methods were tested with the Xception and EfficientNet-B1 architectures. Based on the final results obtained from this test, the CNN method with the Xception architecture is the best model. By using fine-tuning and a learning-rate of 1e-5, this method produces a micro average value of 0.974, on a cat breed image dataset of 13 classes and 7800 images. Meanwhile, the method that produces the fastest ETA Training and Testing is obtained by the KNN method, with an ETA Training time of 0.194 seconds, and an ETA Testing time of 1.782 seconds.      

Inheritance law regulates a person's wealth after the owner dies. In general, the system of inheritance or distribution of wealth can be done in three ways: using BW law (Burgerlijk Wetboek), Islamic law, and customary law. This research method uses a qualitative research method with a normative juridical research type with an observational approach which is intended to examine legal issues related to the comparison of the distribution of inheritance assets according to Civil Law and Islamic Law. The aim of this research is to find out how inheritance is divided according to western civil law and Islamic lawAccording to civil law, there are two ways to divide inherited assets, namely Ab-intestato (heirs according to law article 832 of the Civil Code) and Testamentair (Will). Meanwhile, in Islamic law, men get two parts, while women get one part (2:1). When a man marries, the inheritance he receives from his parents will be used to pay the dowry and support his wife and children.  

This study aims to determine the comparison of the regulation of revenge porn based on legislation in Indonesia and Australia.  This research is a normative or doctrinal legal research with a statutory approach. The type of data used is secondary data. The technique used in collecting legal materials in this research is literature study or document study. This research uses legal reasoning analysis techniques that are sociological in nature through deductive thinking patterns, namely by explaining a general thing to then be drawn to a more specific conclusion. Based on this research, it is found that the two countries have differences in handling revenge porn cases. In Indonesia, the regulation of revenge porn is regulated in several laws, namely the ITE Law, the TPKS Law, and the Pornography Law. Unfortunately, these three regulations do not regulate revenge porn clearly and completely. Meanwhile, in Australia, there are special regulations governing online-based sexual violence crimes, including revenge porn. The regulation of revenge porn in Australia has been explained completely and comprehensively by the establishment of a complaint portal that can be accessed online by victims called eSafety Commissioner.

This study aims to determine the difficulties of students in solving Higher Order Thingking Skills (HOTS) problems by using the Polya method in Trigonometric comparison materials. This research is a descriptive qualitative research. The subjects of the study were 36 students in class X.1 of SMA Negeri 2 Situbondo. Data collection techniques use test questions, interviews and documentation. The test in the form of Higher Order Thingking Skills (HOTS) questions is carried out to measure students' abilities. Interviews were conducted on 6 students based on the category of ability level of test results. Data analysis was carried out using data induction and reduction theory. The test results showed that those who scored in the high-level category were 10 students (28%), the moderate-level category was 14 students (39%) and the low-level category was 12 students (33%). The conclusion of this study states that the difficulty of students in solving Higher Order Thinking Skills (HOTS) questions using the polya method, namely subjects with high-level categories, experience difficulties at the re-examination stage. Subjects with a moderate level category, experienced difficulties at the stage of implementing the plan and re-examining. Subjects with low-level categories experienced difficulties at all stages of polya, namely at the stage of understanding the problem, making a plan, implementing the plan and re-examining.

Background: Diabetes mellitus is a chronic disease that can cause complications in the form of peripheral vascular disease. According to data from the World Health Organization (WHO) in 2022, around 422 million people in the world suffer from DM. The prevalence of DM sufferers in 2023 will reach 3,579 cases. Type 1 DM cases reached 2,541 cases, Type 2 DM cases reached 1,038 cases. One non-pharmacological therapy is the Buerger Allen Exercise (BAE). Objective: To describe the results of the comparison of Ankle Brachial Index (ABI) values ​​before and after implementing BAE in Type II Diabetes Mellitus. Method: This research design uses a case study method, a descriptive research method and observing events that have occurred by observing the ABI values ​​for 2 respondents. 1 time in 6 consecutive days for 15 minutes. The instruments used in this research were a 45° angle meter made of plywood, chairs, blankets, stopwatch, sphygmomanometer, SOP sheet, observation sheet to record developments. Conclusion: The application of BAE could potentially increase the ABI value in Diabetes Mellitus in both respondents.

Soil compaction is required to extend firmness, volume weight and diminish soil porousness at the extend area where adaptable asphalt framework will be built. The point of this inquire about is to decide the impact of soil thickness on street development utilizing the sandcone strategy and to decide the comparison of field compaction testing (Sand Cone) with research facility compaction testing (Compaction Testing) on the development of the Takkalasi-Bainange Lawo area of the Soppeng Rule street. This research was carried out within the Respectful Designing research facility of the Muhammadiyah College of Parepare for 4 months from Eminent to December 2023 utilizing the Sandcone test strategy compared to the compaction strategy. The comes about of the investigation of sandcone testing on soil thickness during the development of Jalan ruas takkalasi-bainange lawo within the locale soppeng, appeared that the thickness of dry soil within the gap was an normal of 2.368 gr/cc. and the comes about of the comparison of Field Compaction Testing (Sand Cone) with Research facility Testing (Compaction Testing) appeared that the most elevated degree of thickness was at STA 2 + 600 at 104.94 and the least degree of thickness was at STA 2 + 300 with a esteem of 101.24 and in case found the middle value of the thickness degree esteem is 101.383%. From the comes about gotten, it meets the Binamarga details, specifically a least of 90%, so the compaction on the development of the Takkalasi - Bainange Disoppeng street is classified as exceptionally compelling since it has met the least details    

This research aims to identify and analyze the quality comparison between steamed cakes made with palm sugar and those made with coconut sugar. The research employs an experimental method and involves 40 moderately trained panelists as the sample. Based on the quality analysis test results, the highest average scores in all aspects were achieved by the steamed cakes made with palm sugar. Specifically, for the color aspect, a score of 4.6 was in the range of brown to very dark brown categories. The blooming aspect received a score of 4.4, which was in the range of bloomed to very bloomed categories. The volume aspect received a score of 4.45, falling within the large to very large categories. The aroma aspect scored 4.5, ranging from a palm sugar aroma to a very strong palm sugar aroma. The texture aspect scored 4.5, which was in the range of soft to very soft categories. The taste aspect scored 4.4, within the sweet to very sweet categories. Based on the statistical hypothesis test with the Mann-Whitney U test at a significance level of α=0.005, it was found that there is a quality difference between the steamed cakes made with palm sugar and those made with coconut sugar in terms of color and aroma. However, there was no quality difference in the aspects of blooming, volume, texture, and taste

The insurance business within an insurance company offers insurance products owned by the insurance company. In every insurance product there is a premium payment and the premium is the income of an insurance company at the rate of the amount insured. The problem that PT BNI Life Insurance has is that there are many stops in premium payments such as policy redemptions due to errors in the benefits received or incorrect selection of the insurance product, this can reduce the achievement of targets for an insurance company. The aim of this research is to find out the best classification algorithm compared between K-Nearest Neighbor and Naive Bayes to predict the type of insurance product that customers will choose. In this research, data mining methods are applied to compare two different methods, namely the K-Nearest Neighbor method and the Naïve Bayes method. The level of accuracy results for the K-Nearest Neighbor method is 80% and the Naïve Bayes method is 70.53%, which means that the K-Nearest Neighbor method is the best method to apply to an insurance product classification system based on the demographics of prospective customers.

This study focuses on discussing the politics and policy of Islamic education in Indonesia with the core of the discussion of Comparison of Educational Goals and Systems between Islamic Education and Dutch Colonial Government Education. The history of Islamic education in Indonesia is more or less influenced by the socio-political background, especially during the Dutch colonial era, which was the longest surviving colonizer in Indonesia, this caused damage to the Islamic order that existed in Indonesia at that time, because the Dutch colonialists had a dual mission including Imperialism (a nation that carried out the politics of colonizing other nations) and Christianization. The educational process that took place in the Dutch East Indies was one of the starting points for the emergence of national awakening figures. Education in the Dutch East Indies itself began because of criticism from several figures and groups with the application of forced cultivation and liberal politics, because this policy caused a lot of suffering and poverty of the people. And this must be paid for by organizing trias, namely irrigation, emigration, and education. This criticism was finally approved by the queen of the Netherlands, and education began to be held, but education ran with discrimination because there were schools that differentiated classes between the children of elite nobles or pro-Dutch figures and the children of ordinary people. And this is because the son of this nobleman or pro-Dutch figure will later work to help the Dutch. And the children of ordinary people only become menial or lowly laborers.

The background of this research is the lack of interest of Dhyana Pura University Informatics Engineering Study Program students in visiting the library. This shows the need for a new innovation in the library that can increase the attractiveness of students to visit the library more often. The purpose of this study was to implement augmented reality with the Android-based marker-based tracking method in the search system for reference books for IT courses in the UNDHIRA library, to find out the results of the analysis of the level of user convenience and satisfaction in using the application, as well as to find out the results of a comparison of the level of interest in student visits to the library before and after system implementation. This research is a quantitative study; the data was collected using a questionnaire technique on 54 application users. The results showed that the usability of the application was 87.41% or could be classified as "very good." The results of the Kano model test show that the attributes of the application are very satisfying to users, with the majority of the attributes in the application being included in the attractive category. The results of a comparative analysis of the interest level of student visits to the library before and after system implementation showed that 49 out of 54 students stated that the application could increase their interest in visiting the library. So based on these results, this application can increase the interest of IT students in visiting the library.

The study of this paper discusses the ethical political policy of the Dutch colonial government towards the existence of Islamic educational institutions in the archipelago, the discussion of the research of this paper to find out how the history of the existence of Islamic educational institutions in the archipelago, the ethical politics of the Dutch colonial government, and the influence of ethical political policies on Islamic educational institutions. Islamic education in Indonesia has emerged and developed in various forms of various institutions, such as Islamic boarding schools, madrasas, surau, and musholah. In its development, Islamic education in Indonesia is characterized by the emergence of various educational institutions gradually, ranging from very simple ones, to stages that are considered modern and complete. The goal is not only to enrich the treasures of science with Islamic nuances, but also as a reference and comparison material for Islamic education managers in the following periods. This is in line with the principle generally adopted by the Indonesian Islamic community, which is to maintain the good traditions of the past and take new good traditions again. In this way, the efforts to develop Islamic educational institutions will not be radically rooted in their culture. The ethis politics or the politics of revenge of the Dutch colonial government to the Indonesian colonial people is a policy of the Dutch royal government to repay the sacrifices of the Indonesian people during the implementation of the cultuur stelsel or forced planting system. the people of the archipelago.

This study was conducted to understand the impact of social media on the mental health of early adults in Bekasi. Social media has become an inseparable part of individuals' daily lives, and its impact on mental health needs further investigation. This research employs a quantitative method with data collected through questionnaires completed by 62 early adult respondents in Bekasi. Data analysis was conducted using the Independent Sample T-Test and correlation tests. In this study, we found no significant relationship between mental health and gender, indicating that both men and women are equally vulnerable to the negative effects of social media on mental health. However, there was a significant relationship between age and frequency of social media use with mental health, where older respondents exhibited better mental health conditions. Conversely, higher frequency of social media use correlated with a decline in mental health quality. These findings also indicate that excessive social media use can have a negative impact on the mental health of early adults, possibly due to factors such as exposure to negative content, social comparison, and addiction. This study emphasizes the importance of balanced and responsible social media use to maintain the mental health of early adults.