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The lack of facilities and supporting resources for teaching and learning activities in educational institutions and places of worship in Tewang Kadamba Village is a major factor hindering the development of students' literacy skills. In fact, literacy skills are one of the most fundamental aspects that every student must possess to support their continuity as individuals who are expected to live intelligently and with character. One of the breakthroughs offered by the researchers to solve the question as intended is by organizing a reading corner facilitation and facilitation to support the literacy skills of students in the Tewang Kadamba village. Therefore, this research is aimed at evaluating the effectiveness of the reading corn facilitation as a means of education and literacy improvement for students in Tewang kadamba village, central Kalimantan. The qualitative descriptive method was chosen to gain a deep understanding of the social, cultural, and historical context of a phenomenon. The research results show that reading corners can be an effective strategy to increase students' reading interest. Through three stages, namely planning, implementation, and evaluation, the provision of reading corner facilities has proven to enhance the love of reading and change students' positive attitudes towards literacy culture, both at school and in places of worship.

This research aims to analyze the comparative contribution of regional taxes to local taxes in Samarinda City and Balikpapan City. By using secondary data from regional financial reports and income statistics, this research identifies factors that influence regional tax contributions and their impact on local original income (PAD). The research results show that there is a significant difference in the contribution of local taxes to PAD between Samarinda City and Balikpapan City. The city of Balikpapan shows a better contribution thanks to its natural resource potential and more active economic activities. To increase local tax contributions in Samarinda, efforts are needed to increase taxpayer compliance and improve infrastructure. Apart from that, collaboration between local governments and the community in increasing awareness of the importance of taxes is also very necessary.

Consumptive behavior is the behavior of buying goods that are less necessary to fulfill personal satisfaction so that someone no longer distinguishes between needs and wants. The offers presented by e-commerce can be a risk for Udayana University students because they see it as an opportunity to tend to buy goods that may not be essential. When viewed physically, women tend to have more needs than men. So consumptive behavior must be accompanied by an understanding of the knowledge of managing money well. Financial literacy is very useful for students to avoid consumptive behavior. This study aims to see the effect of the use of e-commerce and financial literacy on the consumptive behavior of Udayana University students. The number of samples used in this study was 400 samples. The analysis techniques used were descriptive analysis techniques and Partial Least Squares (PLS) analysis. The results of this study indicate that the use of e-commerce has a positive and significant effect on the consumptive behavior of Udayana University students. This means that there is a unidirectional relationship between the variable of e-commerce use and the variable of consumptive behavior. Meanwhile, financial literacy has a negative effect on the consumptive behavior of Udayana University students. This means that there is a non-unidirectional relationship between the literacy variable and the consumer behavior variable.

The research aims to know the impact of operating leverage on the market value of ordinary shares of industrial sector companies listed on the Iraqi Stock Exchange for the period (2011-2020), based on the data obtained and published in the reports and financial statements of the relevant companies, and after descriptive and deductive analysis. To test its data and hypotheses, the research reached many results, including: There is an effect of operating leverage on the market value of shares in industrial companies (Al-Mansour Pharmaceutical Industries, Baghdad Soft Drinks, Al-Kindi for the Production of Vaccines and Veterinary Medicines, Al-Erqia Carpets and Furnishings Company, Chemical and Plastic Industries), and the results reached the following: There is an effect of operating leverage on the market value of common shares in the companies studied.

This research aims to analyze the legal responsibility of PT Asuransi Jiwa Bersama BUMIPUTERA 1912, Buton Branch, in fulfilling its obligations to the insured parties, as well as the legal remedies that can be pursued by the insured and the insurance company in the case at hand. The research method used is qualitative research. This study employs an empirical legal approach while delving deeper into normative legal principles. The findings reveal that AJB BUMIPUTERA has violated the applicable laws and is contractually liable for the breach of contract (wanprestasi) committed. The legal remedies available to the insured, in this case, parties B and L, include filing a lawsuit in court. Meanwhile, the legal remedy pursued by Asuransi Jiwa Bersama BUMIPUTERA 1912 is to maximize the implementation of the Financial Recovery Plan (RPK). This research contributes to a better understanding of legal protection for insurance service consumers.

Bid rigging, an illegal practice that undermines the principles of fair business competition, is widespread in government procurement of goods and services. The actions of business actors who deliberately control tender winners not only harm the state, but also deprive consumers of their right to obtain quality products and services at competitive prices. This research in-depth analyzes the practice of bid rigging in the perspective of Law Number 5 of 1999 concerning Prohibition of Monopolistic Practices and Unfair Business Competition, especially Article 22. Using a statutory approach, this research reveals the impact, forms and legal sanctions on the practice. bid rigging in the procurement of government goods and services. It is hoped that the results of this research can provide effective policy recommendations to prevent and take firm action against the practice of bid rigging, so as to create a healthy and fair business competition climate.

This Real Work Lecture (KKN) program was carried out by students of the Muhammadiyah University of North Sumatra in Telaga Pure Village, Langkat Regency. This activity focuses on observing and analyzing the influence of lack of knowledge and saving habits on personal financial management among students. Through this service, students help and educate the public on the importance of knowing and getting used to saving from an early age among students. The main aim of this activity is to increase awareness and knowledge as well as the habit of saving which will have a long-term impact on individuals who implement this. This program consists of several activities, outreach and mutual cooperation activities to maintain a clean environment. The results of this activity show that the impact of the lack of this is still negative and we will continue to try to find a solution. Apart from that, students also succeeded in educating and socializing the importance of knowledge and the habit of saving for personal finances among students. 

This study aims to describe how to overcome the limited time for public speaking practice which results in the lack of readiness of Field Work Practice (PKL) participants in discussions and debates, as well as improving ineffective communication between PKL participants and trainers so that the learning process can run more smoothly. A descriptive qualitative approach was used to understand the experiences of participants during PKL at the Language and Arts Department, Palangka Raya University, focusing on exploring the work environment, work ethic, and social relationships. The location of the study was at the Language and Arts Education Department, Palangka Raya University with the research subjects being students who had undergone PKL for three months. Data were collected through observation, in-depth interviews, and documentation. The results of the study showed that limited time for public speaking practice resulted in a lack of readiness of participants in facing discussion and debate situations. The solutions implemented included adding practice sessions outside official hours and on weekends. In addition, the lack of effective communication between PKL participants and trainers was identified as an obstacle in the learning process. To overcome this problem, better communication media, such as social media groups or messaging applications, were implemented to facilitate the exchange of information.

This article is Building Simple Everyday Economic Knowledge for Children in Gongsol Village aims to equip children with basic economic skills that are relevant to everyday life. Teaching concepts such as saving, money management, production, and distribution of goods at an early age provides an important foundation for the development of financial and cooperation skills. Children are involved in practical activities such as making piggy banks from recycled materials and participating in productive activities that teach the values ​​of hard work and economics. In addition to improving understanding of economics, this program also develops character, discipline, responsibility, and interpersonal skills such as negotiation and leadership. Increasing children's motivation to learn is another significant result of this program, with varied learning methods that encourage them to participate more actively. It is hoped that the economic knowledge that is taught from an early age can help children in Gongsol Village to be wiser in managing their resources, building a more independent future, and contributing to the welfare of their village in a sustainable manner.

This service aims to provide guidance in introducing Arabic vocabulary (mufrodat) to children in Cempaka Mulia Barat Village through the KKN Islamic Literacy Corner program. The method applied is descriptive qualitative. Activities began with observation, coordinating with the village and school, preparing facilities and infrastructure, conducting pretests, carrying out mentoring, and holding posttests. The mentoring was carried out using the reading, writing and memorization method for number vocabulary, and using the singing method for vocabulary related to places. The results showed that the children were very enthusiastic and motivated in learning Arabic vocabulary in preparation for continuing their education to a higher level.

Blood donation is an important process that involves taking some blood from a donor to donate and store it in a blood bank. This blood can then be used for transfusions for those in need, such as in cases of accidents, major surgery, or certain illnesses. In Indonesia, blood donation is very important, especially because of the high maternal mortality rate due to bleeding during childbirth. The need for blood continues to increase as the number of accidents and illnesses requiring blood transfusions increases. Although blood donation has great benefits for the recipient, many people do not realize that donating blood regularly also brings various health benefits to the donor. This study aims to increase public understanding about the importance of blood donation through interviews and research at Sunan Giri University, Surabaya. Interview results show that blood donation not only saves lives, but also helps maintain the health of donors and encourages a spirit of mutual cooperation in society. Through education and increasing awareness, more people are expected to be involved in sustainable blood donation activities.

The integration of health insurance with Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) represents a significant innovation in the banking sector, offering new opportunities for financial institutions, insurers, and consumers. This paper explores the potential of merging health insurance with FDR/DPS schemes, focusing on how such integration can enhance financial inclusivity and healthcare accessibility, particularly in developing countries.  The study outlines the theoretical framework supporting this integration and analyzes the associated challenges, including regulatory and operational barriers.  It also highlights the potential benefits for banks, such as customer base expansion and increased savings attraction, while offering consumers the dual advantage of financial security and health coverage. Through a case study of the banking sector in Bangladesh, this paper provides insights into how such models can be implemented in emerging economies. Additionally, we address the barriers to successful integration, including regulatory hurdles and consumer awareness. The findings indicate that this integration could serve as a strategic tool for banks to broaden their customer base and contribute to the healthcare system's resilience.   Finally, the paper discusses policy implications and future trends, emphasizing the role of technology in facilitating these hybrid financial products.  This research contributes to the growing body of knowledge on the intersection of finance and healthcare, offering strategic directions for stakeholders in both sectors

This study aims to identify and analyze the strategies for strengthening Micro, Small, and Medium Enterprises (MSMEs) and sharia financial literacy in Tanjung Gusta Village through the implementation of digital promotion. The village has many untapped MSME potentials, with major challenges in market access and sharia financial understanding. Digital promotion and sharia financial literacy training were provided to business owners to enhance their ability to expand market reach and manage finances according to sharia principles. The research method used includes observation, in-depth interviews, and case studies. The results indicate that the implementation of digital promotion through social media significantly increased MSME product visibility, while sharia financial literacy helped business owners improve financial management, reduce consumptive behavior, and avoid financial risks that are not aligned with sharia principles. This strategy is considered effective in strengthening MSMEs and empowering the community in a sustainable manner.

This training aims to provide training on the use of MIT App Inventor in creating Android applications to students at Bale Machine Digital. MIT App Inventor is a web-based platform that makes it easy for new users to program and create Android apps through a block-based Invalid source specified.men interface. The research methods used include problem identification, preparation, training implementation and evaluation. The results of this training show a significant increase in students' knowledge and skills in using information technology and creating Android applications. This training also provides basic skills that are much needed in today's digital era and can be the basis for developing business opportunities in the future.

This research aims to analyze the role of entrepreneurship socialization and education in fostering the entrepreneurial spirit among the millennial generation, with a case study focus in Kelurahan Perdagangan I, Simalungun Regency. Entrepreneurship socialization and education are crucial steps in fostering entrepreneurial awareness and skills, especially for the younger generation who will face economic challenges in the future. This research used a qualitative method with a case study approach. Data were collected through in-depth interviews with program participants, direct observation in the field, and document analysis related to the KKN program in Kelurahan Perdagangan I. The results showed that the program was successful. The results showed that the entrepreneurship socialization and education program implemented through KKN succeeded in increasing participants' entrepreneurial knowledge, interest, and skills. In particular, SMK students showed increased motivation to start a business after participating in entrepreneurship education. The success of the program was supported by active community involvement and a contextually relevant approach. However, there are some challenges, such as limited access to technology and financial resources, that affect the sustainability of entrepreneurial interest among the millennial generation.

This study aims to enhance children's religious awareness through the teaching of fiqh (Islamic jurisprudence) on wudhu (ablution) and prayer in Desa Baru, Asahan Regency. The main issue addressed is the low level of understanding among children regarding the correct procedures of wudhu and prayer, which impacts the quality of their daily worship. This research employs a qualitative approach with a case study method. Data was collected through direct observation, in-depth interviews, and documentation during the educational program implemented within the KKN activities. The research findings indicate a significant improvement in children's understanding and practice of worship after participating in the fiqh wudhu and prayer learning program. Children who previously had limited knowledge of essential aspects of wudhu and prayer became more disciplined in performing their religious duties. Additionally, there was an increase in their motivation to learn more about religion, and positive behavioral changes were observed, particularly in maintaining cleanliness before prayer and punctuality in performing prayers. In conclusion, this fiqh learning program had a positive impact on enhancing children's religious awareness in Desa Baru.

Learning based on Zakat, Sedekah, and Infaq (ZIS) plays a significant role in shaping students' character, particularly in moral, emotional, and social aspects. This study aims to identify efforts to enhance ZIS learning that can be implemented at SDN 105337 Pantai Labu. The research employs a qualitative approach with interview, observation, and documentation techniques. The results reveal that the implementation of ZIS-based learning not only improves students' understanding of Islamic finance concepts but also positively impacts the development of moral character, such as empathy, social awareness, and collaboration skills. Furthermore, students involved in the ZIS program demonstrate improvements in emotional aspects, including emotional management and self-confidence. This study recommends the integration of ZIS learning into the school curriculum to foster a more caring and responsible generation.

This study aims to explore the effect of digital short story videos on the interest in learning English of 10th grade students at SMAN 4 Blitar. Using a descriptive qualitative approach, data were collected through observation, questionnaires, and interviews with students and teachers. The results showed that internal factors such as health, motivation, and intelligence, as well as external factors such as family support and teaching quality, play an important role in increasing students' interest in learning. The use of digital short story videos was proven to be significant in increasing students' interest, with 91% of students stating that the videos were interesting. These findings suggest that digital media can be an effective tool in increasing engagement and learning outcomes.

Image classification is widely used in everyday life such as in car steering, closed-circuit television (CCTV), traffic cameras, etc. The implementation of image classification can be done using several methods, including neural network and support vector machine models. The neural network method is able to find the right weights that allow the network to show the desired behaviour while the support vector machine method has many dimensions and can overcome linear and non-linear data. In this research, feature extraction was carried out using VGG16 to increase accuracy. This research aims to find out how to implement the neural network and SVM algorithms to classify images and determine the results of analyzing the performance of the two methods. The data used in this study is secondary data consisting of 10 types of large wild cats with a total of 2339 training image datasets and 50 testing image datasets. The research stages consist of data augmentation, model design, model training, and model evaluation. Classification with the neural network model produced an accuracy of 96% and the support vector machine model produced an accuracy of 96%, which means that in a consistent training environment, the two models have the same performance.

In this paper, Spline techniques have become prominent lately due to their effectiveness in addressing singular perturbation boundary value problems. These issues, defined by a boundary layer or a minor parameter associated with a derivative term, pose difficulties due to swift fluctuations in solutions adjacent to the boundary. Solutions to singularly perturbed involving both positive and negative changes in a spatial variable are shown in this review article. The methods presented here are algorithmic in nature. The singular perturbation that arises in neural activity simulation and the approaches proposed by numerous investigators between 2004 and 2024 are the only ones covered in this review. A variety of types of singularly perturbed were reviewed, including ordinary delay differential . Discovering what numerical and analytical strategies have been created in the past decade to address these types of issues is the primary objective of this review. Its secondary objective is to encourage academics to come up with novel, strong approaches to resolving related issues.