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Misconduct is an act that violates applicable legal provisions and contravenes professional norms. In the context of banking, violations of financial discipline and professional standards can have a serious impact on the financial stability and reputation of the institution. This research analyzes violations of financial discipline law committed by employees in lending at Bank BRI, based on a case study of Decision No. 10/G/2013/PHI/PN.KPG. These violations included non-compliance with lending procedures, abuse of authority, and violation of professional ethical standards set by the bank. This research uses a normative juridical approach, which focuses on the study of applicable legal norms through the analysis of legal documents and related literature. In its decision, the panel of judges considered evidence and witness testimony that showed negligence and non-compliance by the Account Officer. The implementation of sanctions for these violations is expected to provide a deterrent effect and improve compliance with financial discipline and professional standards. The study also identifies the steps taken by Bank BRI to improve its supervisory system and training for employees to prevent the recurrence of similar violations in the future. This study makes an important contribution to understanding the dynamics of financial discipline law violations in the banking sector and the remedial measures that need to be taken.

The Great Mosque of Demak is one of the oldest mosques on the island of Java, this mosque was built in the 15th century AD, with a unique architectural style that reflects the acculturation of Hindu-Javanese culture in harmony with Islamic principles. In writing this article, the author uses a qualitative approach method with a descriptive method. This approach was chosen to deeply understand the phenomenon of the form and space of the architecture of the Great Mosque of Demak through direct observation and data analysis. The acculturation of Hindu-Buddhist culture seen in the Great Mosque of Demak is found in the use of the tumpeng concept on its roof which is similar to the shape of a Hindu-Buddhist temple and also the shape of the pillars and the structure of the room are inspired by the Hindu-Buddhist pendopo architecture. Acculturation of Javanese culture is also applied to its roof which is in the form of a three-tiered pyramid, the use of wood as a building material, four main pillars (Saka Guru), Bulus ornaments, and Tajug typology. The Great Mosque of Demak is one of the most prominent examples of cultural and architectural acculturation in Indonesia. This mosque has succeeded in uniting local Javanese elements with Islamic traditions, creating a unique and meaningful building.

Inclusive education can provide opportunities for students with special needs to have equality in education in public schools. This research is motivated by the challenges in implementing special education in schools in terms of teacher readiness, facilities and infrastructure, and environmental factors. This study aims to identify these barriers and formulate practical solutions in realizing an inclusive learning environment. This study uses a qualitative approach with interviews, observations, and literature studies in several inclusive schools. The results of this study show that the factors that become challenges in implementing inclusive education include the lack of teachers' understanding of the concept of inclusion, limited supporting facilities, and there is a social stigma regarding children with special needs. Therefore, government and school policies are needed to overcome the challenges of implementing inclusive education.

Habituation programs and teacher training are efforts to improve the quality of education in building a school environment with character. Improving the quality of education continues to experience changes and developments along with advances in time and technology. This research analyzes efforts to improve the quality of education at SMP Negeri 9 Bandung through optimizing teacher training programs and student habituation. The method used in this research is a descriptive qualitative approach through interviews and observations. This research aims to describe a strategy, implementation and also the results of a program to improve the quality of education at the junior high school level. The teacher training program is designed to improve teachers' technical competence and soft skills, especially in the use of learning technology. This aims to improve the quality of teaching and adapt to technological developments. Meanwhile, the student habituation program focuses on character building, such as literacy, environmental cleanliness, sports and religious activities, to foster discipline and a sense of caring. Schools also utilize technology in learning, such as using projectors and smartphones to support computer-based interactions and assessments. Apart from that, collaboration with the community and parents of students is also very important in supporting educational activities, including providing a budget for the Strengthening Pancasila Student Profile (P5) Project activities. This holistic approach creates a conducive and quality learning environment, which has a positive impact on educational outcomes and the achievement of national education goals.

Digital business transformation has become one of the main necessities for Micro, Small, and Medium Enterprises (MSMEs) to compete in the modern era. This research discusses implementing digital marketing strategies through an entrepreneurship mentoring program for Mooi Gift MSMEs, which focuses on hampers and gift products in Malang. The methods used include individual approaches, training, and rebranding, to improve operational efficiency, digitalizing bookkeeping, and optimizing digital marketing. The mentoring results include the creation of e-commerce accounts, social media rebranding, digital financial management training, and website development to expand market reach. The findings indicate that digital marketing strategies can enhance SMEs' visibility and competitiveness while positively impacting product sales and branding. This study recommends continuously monitoring and developing digital marketing strategies so MSMEs can constantly adapt to market dynamics.

Zakat, infaq, and alms are forms of charity that are part of the worship of Muslims, especially infaq is seen as an important tool to increase social solidarity and create economic justice. This study aims to identify and analyze the role of infaq in strengthening the community's economy from the study of the Qur'an and Hadith. The method used in this study is library research, using a qualitative approach. The data sources used are the Qur'an, Hadiths, books and journals related to the theme for the validity of the data presented. The results of the study show that based on a cross-disciplinary study involving the perspective of the Qur'an, Hadith, and economics, infaq that is carried out voluntarily without coercion has a positive impact on economic growth, both at the individual level and at the macro social level.

This study explores the effect of the implementation of Good Corporate Governance (GCG) principles on the prevention of corporate crime in Indonesia. GCG, which consists of the principles of transparency, accountability, independence, responsibility, and fairness, plays an important role in preventing abuse of power, manipulation of financial statements, and other criminal offenses. Case studies on PT Asuransi Jiwasraya and PT Garuda Indonesia show how the weak implementation of GCG principles can open opportunities for corporate crime, which harms the state and stakeholders. Using a normative approach and legal analysis, this research highlights weaknesses in internal control, non-compliance with regulations, and limited competence of human resources as factors inhibiting the implementation of GCG. The research offers strategic recommendations to strengthen GCG implementation, such as enhancing ethical culture within the organization, strengthening regulations and sanctions, and providing continuous training for company management. The findings are expected to contribute to the development of better and more effective corporate governance in preventing corporate crime, as well as creating a business environment with integrity and sustainability.

This study aims to analyze the effect of audit materiality, compliance with audit standards (SA), and material misstatements on sustainability performance and audit opinion, with the principle of fairness as a moderating variable in mining companies listed on the Indonesia Stock Exchange ( IDX) for the 2019-2023 period. This research was conducted with a quantitative approach, using secondary data in the form of financial reports, sustainability reports, and independent audit reports. The results showed that compliance with audit standards has a significant effect on sustainability performance and audit opinion, while audit materiality and material misstatement do not have a significant effect directly on these two variables. In addition, the principle of fairness as a moderating variable does not strengthen the relationship between sustainability performance and audit opinion. These findings suggest that mining companies need to improve transparency and compliance with audit standards to support sustainability and obtain better audit opinions. This research provides a theoretical contribution to the study of sustainability accounting as well as practical guidance for auditors and company management in improving the quality of financial reporting and sustainability.

important. Based on James 1:2-3, this paper explores Christian expectations and the role of perseverance in shaping spiritual character. The background of this study arises from the importance of understanding perseverance as a response to trials faced by individuals of faith. The purpose of this study is to investigate how perseverance in faith is formed and developed through challenges, as well as its impact on Christian hope. This research used a qualitative method with a literature study approach. Data was collected from library sources, including books of biblical interpretation and relevant theological articles. The results showed that perseverance is not just a passive attitude but an active process that deepens faith and hope. The discussion focused on the role of trials as a tool used by God to strengthen the faith of believers, as described in James 1:2-3. Trials are seen as a way to sharpen perseverance, which then leads to spiritual maturity and strong hope. This study affirms the importance of seeing trials as an essential part of the Christian faith journey that ends in eternal hope.

This study aims to explore the development of teacher professionalism through Classroom Observation and Lesson Study at SMP Negeri 12 Bandung. This approach involves collaboration between school principals, supervisors, and teachers in designing more effective teaching strategies. The process encompasses planning, implementation, reflection, and sustainability stages. The findings reveal that these methods enhance student participation, improve teaching quality, and foster a collaborative work culture among teachers. Lesson Study also benefits the development of teachers' innovative skills, supports project-based learning, and enhances documentation of best practices through the Merdeka MengajarPlatform. By integrating Classroom Observation and Lesson Study, SMP Negeri 12 Bandung has successfully established a sustainable model for teacher professional development.

Hamlet as the smallest unit in society is often a space for interaction for individuals with diverse religious backgrounds. Religious moderation plays an important role in building tolerance and mutual understanding among the community. This study aims to explore the application of religious moderation values in Mangli Hamlet by using qualitative methods through a phenomenological approach and descriptive design. The results showed that Mangli Hamlet, whose majority population is Muslim, implements various religious traditions such as Yasinan, Tahlilan, Dziba', and other similar activities routinely and has been going on for a long time. Although the majority is Muslim, this hamlet has succeeded in creating harmony with the Christian minority through interfaith cooperation in various activities, including celebrations and moments of mourning. This success is supported by the role of the hamlet head and the active participation of the community. The experience of Mangli Hamlet is clear evidence that religious moderation can be implemented to create a harmonious, just and inclusive life in a multicultural society.  

The purpose of this author's research is to see the comparison of students' PAI learning outcomes using the Rotating Trio Exchange (RTE) and Numbered Head Together (NHT) learning models at SMP Negeri 1 Banuhampu in class VII students and compare PAI learning outcomes with the two learning models. The type of research used is experimental with a quantitative approach. The population was all seventh grade students consisting of 9 classes and a total of 275 students. The sample in this study used random techniques, obtained 2 classes that became samples with details of 58 students. The classes taken were VII.1 and VII.2. Data were collected through the scores of students' PAI learning outcomes obtained through the PAI learning outcomes test in the form of multiple choice. The results of the research that has been done, the results show that there are learning outcomes of students who use the RTE learning model have been above the KKM value of 76. And the learning outcomes of students who use the NHT learning model have been above the KKM score of 76. And there is also a significant difference in the PAI learning outcomes of students in the RTE learning model with the method of Shapiro Wilk at sig 0.05, as well as the NHT learning model.

This study discusses the importance of ethics in the process of seeking knowledge according to Islamic perspective, in a psychological and sociological approach. In Islam, seeking knowledge is an obligation for a human being, because in seeking knowledge it has high spiritual and moral values ​​where knowledge is not only able to elevate the individual's status but also contributes to social welfare. By using literature studies, this study analyzes the principles of ethics in learning and seeking knowledge including sincere intentions, patience, respect for teachers and fellow seekers of knowledge. These principles have a positive impact on the formation of individual character with morals and a harmonious society. The ethics of seeking knowledge in Islam emphasizes the importance of knowledge as a tool to achieve common welfare and build a just civilization.

The digital era has changed consumer behavior and the way of doing business, especially for Micro, Small, and Medium Enterprises (MSMEs). This article discusses social media optimization strategies to improve MSME marketing. By analyzing the development of social media and digital consumer behavior, this article presents practical recommendations for MSMEs to increase their awareness, increase sales, and build customer loyalty. The approach used in this study is to conduct training and workshops involving professionals in the field of digital marketing. This study shows that social media optimization can be the key to increasing the competitiveness and success of MSMEs in the digital era.

This case study investigates the impact of blended learning on students' English writing skills, focusing on a group of third-semester students majoring in English Education. Blended learning, which combines traditional face-to-face instruction with online learning components, is explored as a pedagogical approach that enhances writing proficiency through increased engagement and personalized feedback. Data were collected through questionnaires administered to 20 participants, revealing that a significant majority of students perceive blended learning as a motivating factor that fosters their writing development. The findings indicate that this approach not only improves grammar and overall writing skills but also provides ample opportunities for practice and constructive feedback, which are essential for skill enhancement. Additionally, the study highlights the importance of a supportive learning environment that encourages collaboration and community among students. The results advocate for the broader implementation of blended learning strategies in English writing instruction, emphasizing their potential to empower students and improve their language acquisition outcomes. This research contributes to the growing body of literature on effective teaching methodologies in language education and underscores the need for continuous adaptation and innovation in instructional practices.  

Although North Sumatra's cattle farms have enormous potential for development, there are still several issues that hinder productivity and efficiency. The comparative advantages and development strategies of cattle farming in the region are the subject of this study. The methods used include literature analysis and secondary data from various relevant sources. The results showed that, although local cattle have advantages in terms of adaptation to the environment, their productivity is lower than imported cattle such as Brahman Cross. Some of the factors that lead to low productivity include poor feed management, limited use of technology such as artificial insemination, and an ineffective marketing system. In addition, this study found that by improving the efficiency of agricultural waste as feed, cattle farming can thrive, the use of biogas and improved marketing systems through farmer cooperatives. Improving the competitiveness of cattle farming in North Sumatra can be achieved through the application of technology and local wisdom-based approaches. This research is expected to help in making policies and strategies to develop more efficient and sustainable cattle farming in the future.

Al-Quran Surah Al-Baqarah 285: this research aims to apply the values ​​of faith in the daily lives of Muslims. "The Obligation of Faith in Allah, and the Messengers, Angels, and His Book" explains the concept of i'jaz (human inability to compete with the Koran) contained in this verse. This research examines the obligation to believe as the core teachings of Islam, including faith in Allah, the messengers, angels, and His books. Through a textual analysis and interpretation approach, this journal shows how this verse emphasizes the importance of faith in a Muslim's life and its implications for morals and behavior I'jaz in Surah Al-Baqarah provides deep insight into the importance of faith in Islam and the challenge for believers to follow these teachings consistently.

Fintech or financial technology is an alternative path in the financial sector based on information technology. Fintech as an innovation from electronic financing institutions provides many benefits, but on the other hand there are also weaknesses that are still a problem in society, namely data leakage in the fintech system which is implemented electronically. One of the companies that experienced a data leak is PT Fintech Cermati. In Indonesian regulations, preventive and repressive efforts against data leaks have been regulated in OJK Regulation (POJK) Number 77 of 2016 concerning Information Technology-Based Money Lending Services and Law No. 27 of 2022 concerning Personal Data Protection which regulates the Company's obligations in maintaining the confidentiality of its consumer data. This study aims to determine the extent of compliance and responsibility of PT Fintech Cermati for the protection of its consumers' personal data. The research method used in this study is descriptive analytical, namely against data that has been collected as completely as possible through secondary data from relevant literature sources to be discussed and explained systematically with primary data in the form of literature studies with an analytical concept approach method. The results of this study indicate that the company's obligation to comply with the provisions of Article 16 of the PDP Law in conjunction with Article 26 and Article 28 of POJK 77/2016 concerning maintaining the confidentiality of personal and company data can be held accountable in civil and criminal matters.

The systems approach is an effective framework for improving the quality of learning across various levels of education. In the context of education, this approach emphasizes the importance of interaction among various components, such as curriculum, teaching methods, resources, and the learning environment. This study aims to explore the role of the systems approach in identifying problems, designing appropriate interventions, and evaluating learning outcomes. By employing the systems approach, educators can better understand the dynamics within the learning process and optimize each element to achieve better educational outcomes. The study results indicate that the implementation of the systems approach not only enhances student engagement but also fosters collaboration between educators and other stakeholders. Therefore, the systems approach serves as a crucial tool in educational reform efforts to create more effective and sustainable learning environments.  

Warung Awi is a micro, small, and medium enterprise (MSME) that has been operating since 2009 and has become one of the leading culinary destinations in Batam City. However, the business has encountered various challenges, particularly in managing raw material inventory. Therefore, it is crucial for Warung Awi to adopt a more effective and efficient inventory management system. One approach to address this issue is by implementing the Economic Order Quantity (EOQ) and Reorder Point (ROP) methods. Data collection was conducted using both primary and secondary methods, including transaction records and interviews with the business owner. The results of this study produced a web-based system that assists the owner in managing inventory. The implementation of this system received positive feedback from the owner, as it significantly improved efficiency in inventory recording and management.