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This study aims to analyze the legal protection for insurance customers in the settlement of policy claims at PT Asuransi Bumi Putera, with reference to Law No. 8 of 1999 concerning Consumer Protection. The main problem faced by customers is the delay in payment of claims, which is contrary to the main purpose of insurance to compensate for losses experienced by customers. Based on available data, many claims have not been paid, indicating the non-compliance of insurance companies with their obligations. This research examines the forms of legal protection regulated in the Consumer Protection Law, particularly regarding the customer's right to obtain clear information, compensation, and dispute resolution. In addition, this study also highlights the preventive and repressive aspects of legal protection, where preventive protection aims to prevent disputes from occurring, while repressive protection provides legal avenues for aggrieved customers to obtain compensation. While the law has provided a clear basis of protection, consistent implementation and enforcement are still needed to ensure customer rights are fulfilled. This research is expected to contribute to improving legal protection for insurance customers in Indonesia, as well as encouraging insurance companies to fulfill their obligations in a timely manner in accordance with applicable regulations.

This study analyzes the influence of weather conditions on the efficiency of ship maneuvering in narrow waters. Maneuvering in confined areas such as rivers, straits, or ports becomes increasingly complex due to external environmental factors, particularly weather elements such as wind speed, wave height, and current direction. The research aims to identify and quantify how these weather variables affect the time, accuracy, and safety of maneuvering operations. A combination of field observations, ship maneuvering simulations, and data analysis was used to assess vessel performance under varying weather scenarios. The findings reveal that strong crosswinds and high waves significantly reduce maneuvering efficiency by increasing turning radius and delaying response times. These results imply the need for enhanced decision-making strategies and weather-adaptive navigational planning in narrow waterways. The study provides practical insights for shipmasters, pilots, and maritime authorities in optimizing maneuver operations under adverse weather conditions.

Timeliness in financial reporting is a critical aspect for companies as it influences stakeholders’ decision-making. However, in practice, there is often a time gap between the end of the fiscal year and the date the audit report is issued, commonly referred to as audit delay. This study aims to analyze the effect of company size, public accounting firm (PAF) reputation, and audit opinion on audit delay. The research method employed is quantitative with secondary data sources. The sample consists of 89 observations from 16 healthcare sector companies listed on the Indonesia Stock Exchange (IDX) during the 2018–2023 period. The analytical technique used in this study is multiple linear regression analysis. The findings show that company size and audit opinion have a negative and significant effect on audit delay, supporting the agency theory applied in this study. Meanwhile, the reputation of the public accounting firm has no significant effect on audit delay, which is not in line with the agency theory.  

Cerebral palsy (CP) is a permanent, non-progressive motor disorder that occurs due to brain damage experienced before, during, or after birth. This condition is generally characterized by activity limitations and can be accompanied by various other disorders, such as delayed cognitive development, visual impairment, speech disorders, and neuromuscular disorders. Management of cerebral palsy is usually multidisciplinary, including physiotherapy, behavioral therapy, speech therapy, nutritional management, pharmacotherapy, and surgical intervention, with the aim of improving the patient's quality of life. This case report discusses a male patient, An. AZ, aged 4 years and 6 months, who was brought by his parents to the Emergency Department of Cut Meutia General Hospital, North Aceh with the chief complaint of seizures that had occurred two days before admission and had worsened in the past day. The patient had been diagnosed with cerebral palsy since early childhood and regularly underwent physiotherapy. From the anamnesis, it was revealed that the patient experienced weakness on the left side of the body, which was more dominant than the right side. This condition is consistent with the manifestation of hemiplegia in cerebral palsy patients. Physical examination revealed delayed motor development, increased muscle tone on the left side, and enhanced pathological reflexes. Acute seizure management included administering anticonvulsant medication according to protocol, monitoring vital signs, and close observation in the inpatient ward. In addition to pharmacological therapy, the patient was advised to continue regular physiotherapy to maintain motor function, prevent contractures, and support the development of daily activities. This case emphasizes the importance of a comprehensive approach to the management of cerebral palsy, particularly when complicated by seizures. Integration of acute medical care, rehabilitative therapy, and family support plays a crucial role in improving the patient's quality of life.

The incentive program for Al-Qur'an Education Park (TPQ) teachers in Batam City is part of a regional policy aimed at supporting the role and function of Al-Qur'an teachers in fulfilling Al-Qur'an literacy certification and basic religious understanding for elementary and secondary school students. This program has been implemented since 2009 and has experienced a gradual increase in incentive values until 2024. However, in Nongsa District, the implementation of this program still faces several obstacles. Identified problems include delays in fund distribution, inaccurate data verification, and inaccurate targeting of incentive recipients. This study aims to analyze the effectiveness of the incentive program managed by the Al-Qur'an Teacher Consultative Body (BMGQ) of Nongsa District by the Batam City Government. The research method used is qualitative, with data collection techniques through in-depth interviews, documentation, and observation. The results show that this program has had a positive impact, especially in increasing teachers' teaching enthusiasm, helping their economy, and maintaining the sustainability of Al-Qur'an education in the region. However, the effectiveness of program implementation is not yet optimal. Obstacles identified include a lack of publicity regarding the program's objectives to the community and beneficiaries, limited incentive recipient quotas, the lack of a real-time data monitoring system, and delays in the document signing process (amprah), which has delayed incentive disbursement. Therefore, ongoing evaluation by the local government and the BMGQ (Regional Teachers' Association) is necessary to ensure that incentive distribution is more targeted, equitable, and in line with the program's initial objectives, so that all TPQ teachers in Nongsa District can experience maximum benefits.

This study aims to evaluate the implementation of Public Service Standards in inpatient services at Dumai City Regional General Hospital (RSUD) as an important part of the provision of health services to the community. Public service standards are needed to ensure service quality, efficiency, transparency, and public satisfaction as service users. However, in practice, various problems are still found, particularly related to the timeliness of service, clarity of service costs, and the availability of supporting facilities and infrastructure. This study uses a qualitative descriptive approach with research subjects including hospital management, inpatient service staff, and community service users. Data collection was conducted through in-depth interviews, direct observation, and documentation studies to obtain a comprehensive picture of the implementation of public service standards. The data obtained were analyzed using thematic analysis methods through the stages of data transcription, coding, theme identification, theme grouping, and data interpretation. The results of the study indicate that the overall implementation of Public Service Standards in inpatient care at Dumai City Regional General Hospital is in the good category. Indicators of service procedures, service products, and the competence of service providers have been implemented quite optimally, characterized by clear procedures, services that meet patient needs, and friendly and professional staff attitudes. However, the service completion time and cost indicators are still in the fairly good category, which indicates delays in service and limited information regarding costs received by patients. Furthermore, facilities and infrastructure are the indicators that require the most attention, especially regarding the comfort of the waiting room and the completeness of service support equipment. In conclusion, although the standard of public service at the Dumai City Regional Hospital inpatient has been running well, continuous improvement efforts are needed to increase service time efficiency, cost transparency, and the provision of facilities and infrastructure to increase public satisfaction and trust in health services.

This community service activity (PKM) aims to improve operational efficiency and service quality at Santosa Catering through the implementation of a web-based catering ordering system. Santosa Catering, as a micro business, faces obstacles in managing orders that are still done manually, which causes inaccurate stock information, delays in delivery, and limited customer access to menus and prices. Through a Diffusion of Science and Technology and Knowledge Transfer approach, a web-based ordering system was developed and implemented to support business operations. The system allows customers to access real-time menu information, place online orders, and choose preferred payment methods, while the owner and staff were given intensive training to effectively operate the system. The evaluation results showed significant improvements in all aspects of assessment, including understanding of system features, operational skills, time efficiency, and customer satisfaction, as shown in the comparison chart of pretest and posttest results. The system not only optimizes operational processes but also increases customer satisfaction, strengthens business competitiveness, and has the potential to become a model for other micro businesses in utilizing digital technology. Thus, this PKM activity is expected to contribute to the sustainability of Santosa Catering's business in the digital era.

This study aims to examine the effect of appliying the Recovery Ice Bath on reducing fatigue in female outdoor hockey athletes of Universitas Negeri Surabaya. The research employes a pre-experimental method with a One Group Pretest- Posttest Desing. A total of 12 female athletes from Universitas Negeri Surabaya were selected as the study sample. Data were collected through RPE (Rate of Percevied Exertion) quistionnaires, Vas (Visual Analogue Scale) questionnaires,and heart rate meassurements. The analysis of pretest and posttest heart rate values yielded a significant result (0,000 <0,05). Indicating a statistically significant effect of the Recovery Ice Bath. Similarly, the RPE and VAS questionnaire results showed significant values (0,002<0,05 for RPE and VAS), suggesting a substantial impact of the Recovery Ice Bath on reducing fatigue levels and pain in female outdoor hockey athletes at Universitas Negeri Surabaya.  In conclusion, the application of the Recovery Ice Bath significantly influences fatigue reduction in outdoor hockey athletes.athletes who underwent ice baths experienced a faster decline in physical fatigue and muscle soreness. Moreover, ice baths proved effective in accelerating muscle recovery, as evidenced by the reduced Delayed Onset Muscle Soreness (DOMS) after engaging in intense physical activity.

This study aims to describe the application of Red Flags Analysis in detecting potential financial statement fraud in the Indonesian capital market, using a descriptive qualitative approach through a literature review from various secondary sources. The results show that Red Flags Analysis is effective in identifying various fraud indicators, such as financial statement anomalies, delayed report publication, doubtful audit opinions, and consistent deviation patterns observed among publicly listed companies in Indonesia. The findings also emphasize the critical role of collaboration among auditors, regulators, and company management in building a proactive and ethical oversight system. The comprehensive application of this method significantly contributes to strengthening transparency, enhancing accountability, protecting investors from fraud risks, and ultimately improving the quality of the national capital market.    

The aim of this study is to design a battery charging system using solar panels, integrated with an IoT-based monitoring system to improve efficiency and ease of supervision. The system utilizes the photovoltaic effect to convert solar energy into electrical energy, which is then stored in a battery through the regulation of a solar charge controller. The main components in this design include a solar panel, lead-acid battery, ESP32 microcontroller, current and voltage sensors, and the Blynk application for remote monitoring. The research method involves several stages, including the design of hardware such as solar panels, current and voltage sensors, and a step-down regulator, as well as software development using the Blynk platform and ESP32 programming. Test results show that the system is capable of achieving charging efficiencies between 89.45% and 99.57%, with optimal performance under clear weather and maximum sunlight conditions. The IoT system performs well up to a distance of 10–15 meters, with an average data transmission delay of less than 1.5 seconds. Therefore, this device proves to be effective as an independent battery charging and energy monitoring solution in locations without permanent electricity access.

This study aims to evaluate the effectiveness of subsidized fertilizer distribution to farmers in Gorontalo Regency. The allocation system follows a regulatory procedure starting from the Minister of Agriculture Regulation, followed by the Governor’s Decree, and finally by the Regent/Mayor’s Decree, which determines fertilizer allocation down to farmer groups. However, the implementation in the field faces several issues, including fertilizer shortages, prices exceeding the government-set retail price (HET), and misuse of distribution mechanisms. Using a normative-empirical legal research method, the study finds that the ineffectiveness of the subsidized fertilizer program is mainly due to inaccurate data collection and distribution, as well as the suboptimal use of the Farmer Card (Kartu Tani), often hampered by technical problems such as inactive cards. An evaluation based on the "six accuracy principles" (right quantity, timing, price, location, quality, and type) shows that the current distribution is not functioning effectively. The main inefficiencies are rooted in administrative shortcomings, delayed distribution, and inconsistencies between regulatory provisions and field implementation

The decreasing number of visits is a problem for hospitals. Word of mouth (WOM) advertising plays an important role in business development in the health sector. This study aims to analyze the effect of price perception and patient experience on word of mouth with integrity as an intervening variable in patients at Lanud Manuhua Biak Hospital. The study used a quantitative causality design that analyzed the causal influence along with descriptive analysis using the threebox method. Respondents consisted of 200 hospital patients. The sampling method used purposive sampling. The data analysis method used PLS SEM. The results of the study found that there was a simultaneous effect of price perception and patient experience on word of mouth through integrity mediation. Price perception has a positive effect on word of mouth. Patient experience has a positive effect on word of mouth. Price perception has a positive effect on integrity. Patient experience has a positive effect on integrity. Integrity has a positive effect on word of mouth. Hospitals are expected to improve the quality of services provided in accordance with the prices that have been set, such as adding chairs, providing information about doctors' delays, simplifying the bureaucratic service process, training doctors to be more willing to listen to patients and sincerely serve their patients, shortening waiting hours, adding facilities in the waiting room.

This study aims to design and develop a web-basedinventory information system to improve stockmanagement and transaction recording efficiency atToko Sahabat. The main issues faced include frequentcashier system failures resulting in manualtransactions, stock data inaccuracies, and delayedsales reporting. The research employed the RapidApplication Development (RAD) method to enable fastand iterative system development based on userfeedback. Key features include user management,automatic stock tracking, real-time transactionrecording, and sales reporting. Using PHP, MySQL,and Bootstrap, the system significantly improvesoperational efficiency, reduces stock recording errors,and accelerates reporting. Implementation of thissystem supports better data-driven decision-making forToko Sahabat.

The Student Activity Unit (UKM) for Futsal at Multi Data Palembang University often experiences obstacles in tournament management, such as delays in match information updates, difficulty accessing information by participants, data recording errors, and inefficient time for compiling match brackets. This research aims to design a mobile-based futsal tournament management application called TeamKickOff using the Design Thinking method through five stages: empathize, define, ideate, prototype, and test. In the empathize stage, in-depth interviews were conducted with 12 respondents, participatory observation, and document analysis. The define stage produced an empathy map, user persona, point of view, and user journey map. The ideate stage involved brainstorming, card sorting, and wireframe development. Prototypes were developed in three versions (low, mid, and high-fidelity) with features for schedule management, real-time score recording, automatic match brackets, and video documentation. Usability testing with 32 respondents resulted in a SUS score of 78.6 with a task completion rate of 91.3% and a reduction in management time of up to 65% compared to manual methods. The research results show that the TeamKickOff application successfully improved the efficiency of futsal tournament organization and information access for participants, with advantages in video documentation integration and focus on the local campus context in Indonesia.

Risk is an uncertainty that causes losses to the company. So this uncertainty must be managed properly. This study aims to determine the implementation of murabahah financing risk management at BMT Maslahah Kotaanyar Probolinggo. The research method used is qualitative research. Data sources were obtained through interviews, observations and documentation. Based on the results of the analysis, it is known that BMT Maslahah is still experiencing problems with murabahah financing, there are several customers who delay in fulfilling their obligations. Therefore, it is necessary to implement murabahah financing risk management in order to minimize the problems that will occur. BMT Maslahah Kotaanyar Branch has so far been quite effective in implementing murabahah financing risk management. However, BMT Maslahah Kotaanyar Branch must continue to apply the 5C principle in providing credit, in order to avoid the risk of problematic financing in the future.

This study aims to analyze the degree of employee compliance with the Standard Operating Procedures (SOP) at PT XYZ, especially in the implementation of working hours. The background of this study was based on the findings of a discrepancy between practices in the field and the company's SOP provisions, such as delays in employees entering work and unscheduled return. This study used a descriptive qualitative method with a case study approach. Data collection techniques are carried out through observation, interviews, and documentation of PT XYZ's employees and HRD. The factors that hinder compliance include lack of personal discipline, distance of residence, lack of supervision, and low understanding of SOPs. Failure to comply with the SOP has resulted in a decline in performance, administrative sanctions, and potential loss of company operations. Research results show that while companies have clear disciplinary enforcement policies and procedures, better strategies are needed to improve employee awareness and discipline in complying with standard operational procedures (SOPs). This study emphasizes the importance of improving SOP understanding through training as well as strengthening supervisory policies to create a work culture that is disciplined and compliant with applicable rules.    

Frailty is a common syndrome in older adults, marked by declining physiological reserves and increased vulnerability to adverse health outcomes. It impacts quality of life and links to higher morbidity, mortality, and healthcare needs. Identifying frailty markers early helps prevent or delay its onset. In Indonesia, frailty affects 10–20% of the elderly, with higher rates in rural areas and those over 75, driven by poor nutrition, chronic diseases, and limited healthcare access. This study explores these factors and their relationship with frailty in elderly residents of Bina Bhakti Elderly Home. This cross-sectional study analyzed anthropometric measurement, uric acid, vitamin D, albumin, and diabetes mellitus with frailty in 42 elderly residents, excluding those with cognitive impairments, acute illnesses, or psychiatric disorders. The analysis identified fasting blood glucose, HbA1c, and albumin as significant predictors of frailty, highlighting the importance of glucose regulation and nutritional status in frailty risk among the studied population. Fasting blood glucose, HbA1c, and albumin emerged as key predictors of frailty, highlighting the roles of glycemic control and nutritional health in reducing frailty risk. Lower fasting blood glucose and higher albumin levels were protective, while higher HbA1c increased vulnerability. Targeted interventions in these areas may effectively mitigate frailty risk.

One of the most important preventive efforts to protect children from sexual violence is sex education. The implementation of sex education is sometimes delayed or ignored because many people still misunderstand it as a method of education about sexual behavior. The purpose of this study is to highlight the importance of providing sex education to children so that they can protect themselves from potential sexual exploitation. The approach used is a literature review of several books, scientific journals, and related policy documents. Based on the results of the study, children who do not receive sex education are more likely to experience violence, engage in inappropriate sexual behavior, and be exposed to misinformation from the media or their environment. It has been proven that appropriate sex education that is in accordance with the child's developmental stage helps children become more self-aware, understand their own body's limitations, and gain the ability to say "no" and ask for help. The conclusion of this study highlights that sex education is a form of early childhood education that involves the responsibility of parents, teachers, society, and government and does not explicitly teach sexual activity. The implications of this study indicate that integrated sex education from an early age can be a national strategy in preventing sexual violence against children.

This study aims to reconstruct the narrative of the establishment and struggle of the Aliansi Dosen ASN Kemdiktisaintek Seluruh Indonesia (ADAKSI), a collective movement advocating for the welfare of civil servant lecturers (ASN), particularly concerning the delayed disbursement of performance allowances (tukin). Using a narrative inquiry approach, this research traces digital records and real-world actions taken by ASN lecturers across Indonesia, including a symbolic flower board protest in January 2025, an audience with the Minister of Higher Education, Science, and Technology, and the organization of the first National Congress (MUNAS I ADAKSI) in May 2025. These narratives are analyzed as expressions of shared grievances, solidarity, and the formation of a collective identity among ASN lecturers who have long lacked institutional representation through official bodies like KORPRI. The findings reveal that ADAKSI functions not only as an advocacy platform for welfare but also as a socio-professional movement driven by intellectual ethics in demanding structural justice. Its actions, demands, and outcomes from MUNAS I mark a significant transition from fragmented protests to an organized national consolidation. The study recommends that policymakers create more inclusive spaces for dialogue with ASN lecturers and formally recognize independent professional organizations as strategic partners in the reform of Indonesia’s higher education system.

The use of Big Data Analytics (BDA) in the financial audit process has altered the traditional audit method by improving audit quality and efficiency. The purpose of this study is to critically assess BDA's role in reducing audit delays and increasing audit quality. Using a literature review approach, this study intends to consolidate findings from national and international studies published between 2017 and 2024 that focus on the role of BDA in audit procedural transformation, fraud detection, and real-time decision support. The findings reveal that BDA not only allows auditors to review massive amounts of data in real time, but it also improves evidence collection and risk assessment. Audit delay has emerged as a significant variable in the relationship between BDA and audit quality, however its effectiveness varies depending on technical infrastructure and auditor expertise. Furthermore, this study identified implementation problems for BDA, such as data security threats, technology literacy gaps among auditors, and organizational readiness, all of which must be addressed in order for BDA to reach its full potential. This study adds to the theoretical and practical discussions about the strategic use of BDA to alter audit methods in the digital era.