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Perjanjian kredit antara lembaga perbankan dan pelaku usaha mikro, kecil, dan menengah (UMKM) merupakan instrumen penting dalam mendukung pertumbuhan ekonomi. Namun, dalam praktiknya, tidak jarang terjadi wanprestasi dari pihak debitur  yang  berdampak  pada  hubungan  hukum  dan keberlangsungan  usaha.  Penelitian  ini  bertujuan  untuk mengkaji: 1) bagaimana proses pengajuan dan pelaksanaan perjanjian kredit antara Bank BRI dan UMKM Konveksi Parasit di Daerah Istimewa Yogyakarta; 2) apa saja faktor yang menyebabkan terjadinya wanprestasi oleh debitur; dan 3) bagaimana mekanisme penyelesaian wanprestasi yang dilakukan oleh pihak bank. Metode penelitian yang digunakan adalah pendekatan yuridis normatif yang didukung oleh data primer. Spesifikasi penelitian bersifat deskriptif analitis dengan jenis dan sumber data berupa data sekunder yang diperoleh melalui studi pustaka, serta data primer yang diperoleh melalui wawancara dengan pihak terkait. Teknik analisis data dilakukan secara kualitatif untuk menginterpretasikan norma hukum dan fakta empiris secara sistematis. Hasil penelitian menunjukkan bahwa: 1) proses pengajuan kredit dilakukan melalui prosedur formal dengan dokumen pendukung yang sah, dan dituangkan dalam Surat Pengakuan Hutang; 2) wanprestasi terjadi karena kombinasi faktor internal seperti pengelolaan usaha yang kurang optimal dan faktor eksternal seperti penurunan permintaan pasar; dan 3) penyelesaian wanprestasi dilakukan melalui eksekusi agunan, pelaporan ke otoritas keuangan, serta pendekatan persuasif seperti restrukturisasi kredit. Penelitian ini menegaskan pentingnya edukasi hukum bagi pelaku UMKM dan penerapan prinsip keadilan dalam penyelesaian sengketa kredit.

Kampung Glam as a heritage area in Singapore faces modernization challenges that have the potential to shift local cultural identity. Service learning is applied to bridge cultural preservation efforts with community education through the collaboration of students, communities, and cultural stakeholders. The purpose of this activity is to strengthen cultural education, increase awareness of the younger generation, and support the sustainability of the creative economy based on local values. The methods used include needs mapping, collaborative solution design, implementation of cultural workshops, and sustainability evaluation. The results showed that students gained contextual experience on heritage management, while the local community was helped through educational materials, mentoring, and strengthening of cultural narratives. This activity also increases the understanding of the importance of a balance between the preservation of historical values and the development of the modern economy. In conclusion, service learning is effective as an educational approach and community empowerment in maintaining cultural identity. It is suggested that the program be continued with the development of cultural education modules and long-term partnerships to strengthen sustainability.

Kampung Glam as a heritage area in Singapore faces modernization challenges that have the potential to shift local cultural identity. Service learning is applied to bridge cultural preservation efforts with community education through the collaboration of students, communities, and cultural stakeholders. The purpose of this activity is to strengthen cultural education, increase awareness of the younger generation, and support the sustainability of the creative economy based on local values. The methods used include needs mapping, collaborative solution design, implementation of cultural workshops, and sustainability evaluation. The results showed that students gained contextual experience on heritage management, while the local community was helped through educational materials, mentoring, and strengthening of cultural narratives. This activity also increases the understanding of the importance of a balance between the preservation of historical values and the development of the modern economy. In conclusion, service learning is effective as an educational approach and community empowerment in maintaining cultural identity. It is suggested that the program be continued with the development of cultural education modules and long-term partnerships to strengthen sustainability.

This Community Service Program was conducted to enhance the competencies of supervisors in the logistics and transportation division of an international cargo company through leadership training tailored to the characteristics of Generation Z. The program aimed to strengthen participants’ capabilities in managing workplace dynamics, improving team communication, and promoting more effective performance through a flexible leadership approach. The training was held on November 18, 2025, at the company’s head office in Bekasi and was attended by 16 supervisors. The methods used included material presentations, group discussions, case study analysis, and an interactive question-and-answer session. The results indicate an increased understanding among participants regarding Generation Z work behavior, appropriate leadership principles, and more adaptive management strategies. This program is expected to provide sustainable benefits for human resource development and to enhance leadership effectiveness within the logistics sector.

This study aims to analyze the political strategies used by the candidate pair for Regent and Vice Regent of Malaka, Stefanus Bria Seran and Hendri Melki Simu (SBS-HMS), in winning the 2024 Regional Head Election (Pilkada) in Malaka Regency. This research is based on the local political phenomenon in which the SBS-HMS pair successfully gained broad public support through effective political communication and political marketing approaches. The research method employed is descriptive qualitative, with data collected through interviews, observation, and documentation. Data analysis is carried out using Firmansyah’s (2012) Political Marketing Theory, which includes three main aspects: political segmentation, political targeting, and political positioning. The findings reveal that the political strategy of the SBS-HMS pair was implemented systematically through voter segmentation based on socioeconomic backgrounds such as farmers, fishermen, youth, and women. The main campaign target focused on grassroots communities with strong loyalty. Meanwhile, the political positioning of the SBS-HMS pair was built through an image of experienced leadership, closeness to the people, and a strong commitment to regional development in Malaka. The conclusion of this study is that the success of the SBS-HMS pair in the 2024 Malaka Pilkada cannot be separated from well-planned political and communication strategies, grounded in community needs, and strengthened by an emotional connection between the candidates and voters.

This study explores the implementation of sustainable accounting practices in the management of Pasir Panjang coastal tourism by examining how local cultural values and community personality influence sustainability-driven decisions. Using a qualitative approach, data were collected through interviews, field observations, and documentation analysis involving local community members, tourism actors, and village government representatives. The findings indicate that sustainable accounting is not only understood as an administrative or financial reporting system, but also as a framework shaped by cultural norms, collective identity, and local wisdom. Elements such as communal responsibility, environmental awareness, and traditional stewardship practices significantly contribute to how sustainability initiatives are planned, recorded, and evaluated. Furthermore, the personality traits of the local community—such as openness, cooperation, and strong social cohesion—play an essential role in ensuring inclusive participation and shared accountability. This study concludes that integrating cultural values and community character enhances the effectiveness of sustainable accounting practices in coastal tourism management and encourages long-term environmental and socio-economic resilience.

This community service activity aims to optimize the utilization of woodcraft waste and broken tiles in Tamansari Village through training in briquette charcoal production and effective marketing strategies. The wood waste, which has not been optimally utilized and has become an environmental issue, is expected to be processed into high-economic-value products. The conversion of waste into briquette charcoal is expected to reduce pollution while opening up new environmentally-friendly business opportunities. The implementation method includes socialization on the potential and benefits of briquette charcoal, technical training covering material preparation, carbonization process, mixing, molding, and drying, as well as assistance with marketing strategies both offline and digitally. Participants include local residents, small business owners, and craftsmen. The expected outcomes are an increase in the community's skills in processing waste into marketable products, the growth of new businesses based on alternative energy, and increased awareness of environmentally-friendly waste management. This program is expected to make Tamansari Village a model for creative, independent, and environmentally-conscious villages with strong competitiveness in the local economy.

The rapid development of information and technology brings changes in many fields. One of them is in the field of trading which is now carried out online through marketplace. Price discount, E-Trust, and E-Satisfaction are three aspects that play an important role in online business. Therefore, this research was conducted to understand and analyze the impact of Price Discount, E-Trust, and E-Satisfaction on Repurchase Intention in Shopee Marketplace among the students of DIV Marketing Management Study Program class of 2019-2020. This research was a quantitative research. There were three measurements used in this research, namely Price Discount, E-Trust, and E-Satisfaction with Repurchase Intention. The sample obtained by applying nonprobability sampling technique with purposive sampling approach. In analyzing the data, the researcher used descriptive analysis, validity test, reliability test, classical assumption test, multiple linear regression test, coefficient of determination, and hypothesis testing. The result of data analysis shows that, there is an impact between Price Discount, E-Trust, and E-Satisfaction with Repurchase Intention on the customers of Shopee marketplace partially or simultaneously. In conclusion, to increase Shopee customers’ loyalty, the marketplace must be aware that price discount, trust, and satisfaction of customers become the most important aspects that determine the marketplace's success.

This study aims to analyze the government's communication strategy in communicating the salary increase policy for State Civil Apparatus (ASN) and non-ASN teachers in 2025. The study used a qualitative approach using a literature review method, examining various official government sources, policy reports, and relevant scientific publications. The analysis focused on three main aspects of the communication strategy: information transmission, message clarity, and consistency of communication between institutions. The results show that the government has utilized various communication channels, both conventional and digital, to disseminate the policy to the public. However, several obstacles remain, such as limited access to information in remote areas, the emergence of misinformation on social media, and suboptimal communication coordination between relevant institutions. On the other hand, the development of digital technology and the increasing transparency of public information provide significant opportunities to strengthen the effectiveness of policy communication. A more integrated, clear, and inclusive communication strategy is considered crucial for increasing public understanding and support for the teacher salary increase policy. This policy is expected to not only improve teacher welfare but also contribute to the sustainable improvement of the quality of national education.

The focus and objective of the community service program is to empower teachers at MIN 8 Nganjuk and its surrounding areas to maximize their scientific writing. While scientific writing in the form of PTK is an administrative obligation, it also provides a positive contribution to improving learning. The Asset-Based Community-Driven Development (ABCD) method prioritizes the utilization of existing assets and potential. The ABCD steps include Discovery (discovering potential), Dream (shared dreams), Design (program design), Define (determining concrete steps), and Destiny (determining goals and implementation). The results of the mentoring program indicate that the teachers have a good foundation in writing scientific papers. However, they are still hampered by busy administrative routines. The training aims to stimulate writing enthusiasm and bridge the realization of book chapters among teachers. This mentoring is expected to have a positive impact on improving the quality of teachers' scientific work and improving the learning process at school. In addition, this program also aims to build a sustainable writing culture among educators.

Hypertension is a primary risk factor for cardiovascular diseases, including stroke, coronary artery disease, atrial fibrillation, and peripheral vascular disease. Often referred to as "The Silent Killer," its onset is frequently asymptomatic, making early detection challenging. Effective interventions, both pharmacological and non-pharmacological, are necessary to manage hypertension and reduce complications. Long-term treatment requires adherence to prescribed medications, with self-care management playing a vital role in minimizing hypertension's adverse effects. Self-efficacy, or an individual's belief in their abilities, is crucial for improving medication adherence and self-care activities. This study aimed to examine the correlation between self-efficacy and self-care management in relation to medication adherence among hypertension patients at RSUD Mandau District. A non-experimental, quantitative, analytic correlation study with a cross-sectional design was conducted, involving 38 hypertension patients. Self-efficacy was measured using the MASES-R (Medication Adherence Self-Efficacy Scale-Revision), medication adherence was assessed with the MMAS-8 (8-item Morisky Medication Adherence Scale), and self-care management was evaluated using the HBP-SCP (Hypertension Self-Care Profile). The findings revealed a significant correlation between self-efficacy and medication adherence (p=0.000, r=0.594). Additionally, self-care management was significantly correlated with medication adherence (p=0.027, r=0.360). In conclusion, self-efficacy and self-care management both significantly correlate with medication adherence in hypertension patients at RSUD Mandau District.

Islamic boarding schools play a strategic role in national development, not only as religious educational institutions, but also as agents of social and economic empowerment for the people. Law No. 18 of 2019 strengthens their position in the national legal system, in line with the values of Pancasila, which emphasizes social justice and respect for diversity. This study aims to analyze the position of Islamic boarding schools within the national legal framework, emphasizing the relevance of Pancasila and their contribution to strengthening the economy of the Muslim community. The method used is a qualitative approach with normative-legal literature study and qualitative analysis of regulations, literature, and practices of economic empowerment in Islamic boarding schools. The results of the study show that Islamic boarding schools have legal legitimacy as independent institutions in education, da'wah, and community empowerment, while also playing a role in developing cooperatives, micro-enterprises, and santri-based entrepreneurship. Thus, Islamic boarding schools have proven to be important actors in strengthening the economy of the Muslim community and implementing the Pancasila value of social justice.

The disparity in the quality of rehabilitation services across regional work units presents a significant challenge to effective public management. This study aims to bridge the gap between problem diagnosis and policy prediction by proposing a hybrid, data-driven approach. We integrate K-Means Clustering to map the current state of service quality and Stochastic Simulation to predict the impact of strategic interventions. Using the 2024 Public Satisfaction Index (IKM) dataset from the National Narcotics Agency (BNN), the K-Means algorithm initially identified 26 work units (15.7%) in the "Red Zone" (critical performance), highlighting urgent areas for improvement. Next, a stochastic simulation modeling a "Directed Priority Intervention" scenario was run. The results predicted a significant structural shift in the distribution of service quality, characterized by an 80.8% decrease in critical units (down to 5 units) and a 71.8% increase in excellent performing units (up to 67 units). These findings validate that the integration of clustering and simulation provides a comprehensive framework for evidence-based decision-making, enabling policymakers to optimize resource allocation and efficiently accelerate national service standardization.

This study aims to analyze the quality control of white crystal sugar production at ABC Sugar Factory using the Statistical Quality Control (SQC) method. The research employed a descriptive quantitative approach with a case study design. The primary data consisted of production volume and defective product data during the 2024 production period, while supporting data were obtained through observation and interviews with the Quality Control department. The analytical tools applied included check sheets, histograms, Pareto diagrams, p control charts, and fishbone diagrams. The results show that from a total production of 190,745.89 tons, defective products amounted to 66.70 tons, representing 0.33 percent of total output. The identified defects consisted of wet sugar at 45 percent, brownish sugar color at 30 percent, and oversized sugar crystals at 25 percent. Defective products occurred only during the first to third production periods, while no defects were observed from the fourth to seventh periods. The p chart analysis indicates that the production process was statistically out of control in the early periods but became stable and controlled in the subsequent periods. From a managerial perspective, these findings provide practical guidance for improving manufacturing quality through enhanced process control, equipment maintenance, and workforce capability development.

This study aims to optimize Indonesian language development, especially in correcting language errors in seventh-grade students through French fries as an interactive learning tool. This classroom action research was conducted in one cycle on 30 students of grade VII-E of SMP Negeri 12 Tasikmalaya in the 2025/2026 academic year. A qualitative approach with data collection techniques in the form of observation, sentence correction tests, interviews, and documentation was used in this study. The results showed that the use of French fries media with incorrect sentences in it can improve students' ability to identify and correct errors in spelling, grammar, and word choice. The percentage of completeness of sentence correction skills increased from 33.33% (pre-action) to 86.67% after the implementation of the action. This media can also increase student motivation and involvement in learning. It can be concluded that this French fries media is effective to be used as an aid in Indonesian language development that is fun and highly contextual.  

This study was motivated by the need for madrasahs to adapt to technological developments, particularly in document management, which was previously done manually. The purpose of this study was to describe the role of administration in digital archive management at MTsN 3 Jember, identify the obstacles that arose, and explain the efforts made to overcome these obstacles. The research used a descriptive qualitative approach with data collection through interviews, observation, and documentation. The results showed that administration played an important role as the main manager of digital documents through the use of applications such as SIMPEG, TTE, and SAKTI, as well as the use of cloud-based storage to maintain the security and ease of access to archives. The obstacles faced include the limited digital capabilities of employees, technical disruptions to applications, and suboptimal technological infrastructure. However, various efforts have been made, including performing regular backups, improving the organization of digital documents, and enhancing staff capabilities through independent learning. This study confirms that the success of digital archive management requires synergy between human resource readiness, technological support, and managerial policies that support the transformation of madrasah administration.

This study aims to improve the effectiveness of facility arrangement at Pabrik Oncom Bu Nana by analyzing interactions among production activities and designing spatial layouts based on their priority levels. The current layout presents several critical issues, particularly because the equipment sanitation area is combined with the toilet, creating a significant risk of contamination and reducing hygiene during production. In addition, irregular material flow and excessive worker movement lead to inefficient work processes and may affect the quality of the final product. To address these issues, this study employs the Activity Relationship Chart (ARC) to evaluate the functional closeness among production areas, as well as the Total Closeness Rating (TCR) to determine facility placement priorities based on the intensity of inter-stage relationships. The results of the ARC analysis indicate that the fermentation room has the strongest link to the main stages of oncom production, requiring its placement to be closer to the preparation and molding areas. Findings from the TCR further emphasize that fermentation should become the primary focus in the layout redesign. Based on both methods, a more organized layout design is proposed by relocating the fermentation room to the beginning of the production flow, separating the toilet and sanitation room into two distinct areas, and restructuring the storage, molding, and drying spaces. This redesigned layout is expected to enhance cleanliness, improve material flow, and strengthen the operational effectiveness of Pabrik Oncom Bu Nana.

This study aims to analyze the bread production system of UMKM Roti D’One using the Input–Process–Output (IPO) approach and to identify product defects through the application of the Seven Tools of quality control. Data were obtained through interviews, field observations, and production recording. The IPO analysis shows that the production process is carried out manually and relies heavily on worker skills and household-scale equipment. Based on the checksheet, two dominant types of defects were identified—non-soft texture and uneven color—resulting in 30 defective products out of 1,400 breads produced in one week. The Pareto analysis indicates that texture defects contribute the largest portion (56.7%) of total defects. Meanwhile, the fishbone diagram reveals that the main causes originate from raw material inconsistency, equipment limitations, variations in worker skills, and manual production methods. This study suggests improvements related to raw material standards, production consistency, and worker training to reduce defects and enhance the overall quality of Roti D’One products.

This study aims to analyze the improvement of students’ knowledge and the alignment of the Civic Education learning model with the characteristics of third-grade students at SDN Kadipiro. The research problem arises from the tendency of Civic Education in elementary schools to rely heavily on lecture-based instruction, which results in low student engagement and limited comprehension of abstract concepts such as rights and obligations. A descriptive qualitative approach was employed through observations, interviews, and documentation to obtain a comprehensive picture of the learning process, the instructional model applied, and classroom dynamics. The findings reveal that the teacher implemented a game-based Discovery Learning model that emphasizes exploration, categorization, verification, and independent conclusion-making by students. This model proved effective, as evidenced by 85% of students being able to understand and distinguish examples of rights and obligations in accordance with the Civic Education learning outcomes. The study also indicates that game-based learning is more compatible with the students’ predominant visual and kinesthetic learning tendencies, enabling them to maintain focus more effectively than when using traditional lecture methods. However, several challenges emerged, including variations in students’ writing literacy skills and the absence of a structured assessment rubric. These findings underscore the need for flexible instructional design, the integration of concrete learning media, and the implementation of more systematic formative assessment practices. Future research is recommended to develop differentiated instructional strategies and to utilize more diverse media to accommodate the needs of heterogeneous classrooms.

The phenomenonoccurring in various universities shows an increase in cases of academic fraud, such as cheating, plagiarism, research data manipulation, and misuse of technology in the learning process. This behavior not only undermines academic integrity, but also has the potential tocreate a mindset of cheating that carries over into the workplace. Integrityis a fundamental value that forms the moral foundation of every aspect oflife, both in education and in the workplace. In the context of higher education, students are expected not only to excel academically,but also to possess honesty, responsibility, and strong professional ethics.Accountants are future professionals who will be directly involved inthe management and financial reporting of organizations. This profession demandsa very high level of honesty and integrity, because the accuracy andreliability of financial reports form the basis for business and public decision-making. However, in practice, there are many cases of accounting fraud, such as budget mark-ups, financial statement manipulation, creative accounting, and data misstatement, which occur due to weak values of integrity and moral responsibilityamong individuals. If dishonest behavior has already been established during college—for example, in the form of cheating, manipulating assignment data, or falsifying lab reports—then the risk of bringing similar habits into the workplace will be even higher. Integrity is a core competency (core comp) that determines a person's quality as an organizational asset