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The provision of credit facilities in its development will always require collateral. This is due to the necessity of the Law, as well as for the security of the granting of credit, in the sense that the receivables from the bank will be guaranteed by the existence of collateral. Credit more often accepts collateral objects in the form of immovable objects, one of which is land rights because it is easy and certain in its execution. The purpose of this study was to determine the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office, BRI Karanganyar Branch Office's actions against loans that fall into the doubtful category, and how to resolve if the credit in the doubtful category decreases in quality to the bad credit category. The results of this study are the procedure for realizing credit with land collateral at BRI Karanganyar Branch Office.

Poverty is one of the fundamental problems that is the center of attention of governments in any country. In almost all developing countries, the living standards of the majority of the population tend to be very low, not only when compared with the living standards of people in rich countries, but also with those of the elite in their own countries. This low standard of living is manifested in the form of very low levels of income or poverty (Todaro, 2006). Economic growth is believed to have a significant influence on reducing the amount of poverty. However, this influence may differ from one country to another. The state of income distribution, population, and urbanization have an important relationship in determining the influence that occurs between economic growth and reducing the amount of poverty (Hasan and Quibria, 2002).

This study discusses the influence of social media in raising awareness among coastal communities regarding natural disasters. The rapid development of information and digital technology, which benefits all individuals, has now extended its benefits to various societal elements such as urban, mountainous, and coastal communities. The openness of information implemented by the government exemplifies the role of social media in enhancing the awareness of coastal communities towards natural disasters. Through qualitative analysis and interviews or discussions with members of coastal communities to obtain qualitative information about their experiences regarding disaster information received through social media, this research explores how social media can influence the understanding and responses of communities to disasters in coastal areas. The results of this study are expected to provide knowledge and insight into the role of social media in disaster risk mitigation and increasing awareness among coastal communities of impending natural disasters.

Body image disturbance is one of the problems that chronic kidney failure patients undergoing hemodialysis will experience due to changes in the function of the patient's body structure due to the effects of hemodialysis. Patients also feel embarrassed in front of their families and society due to the physical changes they experience. The quality of life of patients with chronic kidney failure is often disturbed. The aim of this research is the relationship between body image and motivation and the quality of life of chronic kidney failure patients undergoing hemodialysis therapy at the Esa Pemuda Clinic in 2023. The research method that will be used is an analytical research design with a correlational design. cross-sectional approach, a population of 94 respondents using proportional stratified random sampling technique and a sample size of 48 respondents. Using the non-parametric Rank Spearman Ro test. The results are 5. There is a relationship between body image and the quality of life of chronic kidney failure patients undergoing hemodialysis therapy at the Esa Pemuda Clinic, p-value 0.000 < 0.05 and there is a relationship between motivation and the quality of life of chronic kidney failure patients undergoing hemodialysis therapy at the Esa Pemuda Clinic 0.000 < 0.05. Conclusion: Body image and motivation can influence the quality of life of patients undergoing hemodialysis at the Esa Pemuda Clinic.    

This research aims to analyze ambient air quality in the city of Surabaya, with a focus on four main locations: industry, transportation, offices and residential areas during two different periods, the dry season and the rainy season in 2023. This analysis is important for assessing the influence of urbanization and industrial activity. to the environment and public health. The method used is descriptive and comparative observational, where measurements are made of main pollutant parameters such as SO2, CO, NO2, O3, Pb, NMHC, PM10, PM2.5, and TSP. Sampling was carried out twice at each location, in accordance with SNI 19-7119.6-2005 and PPRI No. 22 of 2021 standards. The research results showed that the concentrations of all pollutants were below the specified threshold, indicating the effectiveness of existing air control policies. However, there are differences in pollutant concentrations between locations and significant seasonal changes, requiring more dynamic and tailored pollution management strategies. The study's conclusions suggest the importance of continuous monitoring, increased green space, public education about pollution, as well as stricter policies to control pollutant emissions. This research provides valuable empirical data for policy makers to develop effective strategies for managing air quality and reducing health risks in Surabaya..

Urban workers are increasingly vulnerable to heat stress due to rising global temperatures, especially in cities affected by the Urban Heat Island (UHI) effect. This heat stress poses significant risks to worker health and productivity, exacerbating health issues such as dehydration, heat exhaustion, and heat stroke, while also reducing work efficiency. The study aims to assess the effectiveness of green rooftop designs as a mitigation strategy for heat stress in urban workplace environments. Green rooftops are increasingly seen as a sustainable solution for urban heat management, offering benefits in temperature regulation, energy efficiency, and overall worker well-being. This study examines various heat stress mitigation strategies, including green roofs, industrial fans, and shading systems, focusing on their comparative effectiveness in reducing temperatures and improving worker comfort. The research involved environmental temperature measurements inside and outside urban workplaces, the use of wearable heat sensors to monitor workers’ heat stress levels, and building energy simulations to predict the impact of green rooftops on indoor climate control. Results indicate that green rooftops reduced workplace temperatures by an average of 3.8°C and decreased heat-stress-related complaints by 35%. In comparison to industrial fans and shading systems, green rooftops provided superior long-term relief, reducing heat stress and improving both worker productivity and environmental quality. The findings support the integration of green rooftops into urban workplace designs as a viable climate adaptation strategy. Future research should explore optimizing green rooftop designs for different climates and assessing their long-term benefits for worker health and urban resilience.

The growing environmental crisis underscores the need for education systems to foster ecological responsibility among students. This study explores the potential for multifaith schools to cultivate environmental moral education through an interreligious pedagogical model. By integrating diverse religious teachings on ecology, the proposed model aims to promote shared moral values for environmental protection and sustainability. The research addresses the gap in existing environmental education, which often lacks an integrated approach that incorporates various religious perspectives. Through a qualitative research design, the study analyzes curricula, observes classroom practices, conducts interviews with educators, and evaluates existing environmental education frameworks in multifaith schools. The study identifies key strategies, including the incorporation of eco-ethics from different religious traditions, project-based learning, and interfaith dialogues, as effective means of fostering ecological responsibility. However, challenges such as balancing doctrinal differences, overcoming biases, and developing inclusive pedagogy remain. The study emphasizes the importance of designing educational content that respects all faiths and promotes intercultural dialogue, thereby encouraging a collective commitment to sustainability. The findings suggest that multifaith schools can serve as powerful platforms for environmental moral education, highlighting the value of integrating religious perspectives into sustainability education. The study concludes with recommendations for incorporating interreligious eco-ethics into curricula and teacher training programs and suggests future research on the long-term impact of interreligious environmental education and its applicability in diverse cultural contexts.

The rapid evolution of smart cities, driven by the integration of technologies such as the Internet of Things (IoT) and blockchain, has brought about significant advancements in urban infrastructure and services. However, these developments also introduce new cybersecurity challenges. Introduction: Smart cities are increasingly vulnerable to cyber threats due to the extensive use of interconnected devices and systems. A key security concern is the management of digital identities, which is essential for maintaining the integrity and reliability of city services. Literature Review: Traditional centralized identity management systems face significant security issues, including a single point of failure, data breaches, and limited user control over personal information. In contrast, decentralized solutions, particularly blockchain-based systems, offer enhanced security through their distributed nature, eliminating vulnerabilities associated with centralized models. Materials and Method: This research focuses on blockchain technology’s application in smart city identity management. A decentralized framework is proposed, leveraging cryptographic techniques, consensus mechanisms, and smart contracts to ensure data security, integrity, and privacy. Results and Discussion: The implementation of blockchain for identity management significantly improves attack tolerance, data integrity, and transparency. The decentralized approach mitigates the risks associated with central authorities, ensuring that user data remains secure and verifiable. However, scalability, interoperability, and regulatory compliance challenges remain. Blockchain solutions must be optimized for large-scale smart city applications and aligned with legal standards to achieve widespread adoption. Future research should focus on overcoming these challenges to create a more secure and resilient smart city infrastructure.

Autonomous vehicles (AVs) are revolutionizing transportation by relying on advanced AI techniques like deep learning and reinforcement learning for decision-making and navigation. However, concerns about the opacity of traditional AI models in safety-critical applications such as autonomous driving raise issues related to safety, accountability, and trust. This study explores the integration of Explainable AI (XAI) techniques in AV systems to enhance transparency and interpretability while maintaining high prediction accuracy. XAI methods, such as LIME (Local Interpretable Model-agnostic Explanations) and SHAP (SHapley Additive ExPlanations), provide understandable justifications for AI-driven decisions, addressing biases, fairness, and accountability. These techniques also support regulatory compliance and foster public trust in AVs. A mixed-methods approach, combining experimental simulations and user surveys, was employed to integrate XAI into AV systems and test its performance in urban traffic and highway driving scenarios. Feedback from users, collected through questionnaires and in-depth interviews, revealed that XAI-enhanced systems significantly improved the interpretability of AV decisions, leading to higher user trust and satisfaction. The study highlights the importance of balancing model complexity with interpretability, demonstrating that XAI techniques are crucial for building trust and ensuring accountability in autonomous driving systems.

This study examines the complex interplay between formal legal structures, customary practices, and rapid urban development in shaping land ownership dynamics in Batam's old villages (kampung tua). Through a qualitative case study approach, incorporating document analysis, semi-structured interviews, and field observations, we investigate the challenges in reconciling traditional land rights with modern property laws in the context of Batam's development as a free trade zone. Our findings reveal that approximately 70% of land parcels in the studied villages lack formal titles, highlighting the prevalence of informal ownership systems. The research identifies significant legal pluralism, where national land laws, local regulations, and customary (adat) practices coexist and often conflict. Notaries emerge as key actors navigating this complex landscape, often expanding beyond their formal mandate to mediate between different systems of authority and ownership. The study underscores the limitations of current legal frameworks in addressing the unique challenges of land administration in rapidly urbanizing areas with strong customary traditions. We propose the need for more adaptive land governance approaches that can accommodate both formal and informal ownership structures, including specialized legal frameworks for recognizing customary land rights in urban contexts. This research contributes to the broader understanding of land rights issues in the face of rapid urban development and offers insights for policymakers, legal practitioners, and urban planners grappling with similar challenges in other developing regions.

Non-communicable diseases (NCDs) are one of the biggest health challenges globally. Based on data from the World Health Organization or WHO, data shows that of the 56 million deaths that occurred in the world in 2021, there were 38 million or almost three quarters. Based on data from the Semarang City Health Service, the gender of those receiving health services for Hypertension Sufferers in 2022 shows that the female gender is 161,877 (56%) which is greater than the male gender which is 129,033 (44%), and in the working area of ​​the Gunungpati Community Health Center it is in the fifth highest position. Hypertension sufferers. Nutritional status is also influenced by a good diet and is also influenced by age, especially in women of childbearing age less than 40 years because they have a greater potential for experiencing hormonal imbalances in the body. The respondents in this research were WUS in the Sadeng Gunung Pati sub-district, Semarang city, totaling 101 respondents. The aim of this study was to determine the relationship between nutritional status and the incidence of hypertension in suburban age women (WUS) in the Sadeng Gunung Pati sub-district, Semarang City. This research method uses a cross sectional approach which was carried out in the Sadeng Gunung Pati sub-district. Data collection was carried out from March to May 2024. The results showed that the correlation between nutritional status and the incidence of hypertension in women of childbearing age (WUS) in Sadeng subdistrict was carried out using the Chi Square test, obtained with a P value = 0.0001, OR = 5.15 , CI = (2.16 – 12.26), where the majority of respondents with hypertension were 57.4% (aged 15-49 years) with a BMI classification in the thin category of 18.5. The conclusion of this study is that there is a relationship between nutritional status and the incidence of women of suburban age (WUS) in the Gunung Pati sub-district, Semarang city.

This study explores the role of educational policy implementation in reducing urban-rural learning disparities through scholarship programs. Educational disparities between urban and rural areas have persisted across many nations, affecting student outcomes due to differences in access to resources, infrastructure, and qualified teachers. Scholarship programs have emerged as an effective policy tool to address these gaps, providing financial support and enabling rural students to pursue higher education opportunities. This research examines the impact of scholarship policies on bridging the urban-rural education divide, focusing on the performance outcomes of scholarship recipients compared to non-recipients. The study also discusses the socio-economic barriers and challenges faced by rural students and evaluates how scholarships, along with additional support mechanisms such as mentorship and academic workshops, contribute to improving academic performance. The findings suggest that while scholarships have a significant positive effect on academic outcomes, a more comprehensive approach, including better infrastructure, teacher quality, and socio-emotional support, is necessary to fully address educational inequities. This research provides insights into how well-designed scholarship programs, embedded within broader educational reforms, can effectively reduce disparities in educational access and outcomes between urban and rural students.

Air pollution and greenhouse gas emissions produced by motorized vehicles are one of the main problems in big cities. This encourages the development of more energy efficient and environmentally friendly vehicles, such as electric vehicles. This journal discusses the development of energy-efficient electric vehicles for urban transportation, with a focus on battery technology, vehicle design, and charging infrastructure. This research aims to develop energy-efficient electric vehicles that can meet city transportation needs. This research focuses on several aspects, namely: Lightweight and aerodynamic vehicle design: This design can reduce energy consumption and increase vehicle efficiency. Efficient propulsion system: An efficient propulsion system can increase mileage and reduce exhaust emissions. Advanced battery technology: Advanced battery technology can increase energy density and battery life. It is hoped that the results of this research will produce energy-efficient electric vehicles that are environmentally friendly and can help reduce air pollution in big cities.

The rapid development of smart city initiatives has significantly increased the adoption of Internet of Things (IoT) technologies to enhance urban services, infrastructure efficiency, and quality of life. However, the large-scale deployment of interconnected IoT devices also introduces critical cybersecurity challenges, including unauthorized access, data breaches, and system vulnerabilities. This study aims to develop an integrated IoT security management model to improve cybersecurity resilience in smart city environments. The research adopts a Design Science Research (DSR) approach, which involves problem identification, literature analysis, model design, implementation, and evaluation. The proposed model incorporates key security components such as Identity and Access Management (IAM), device authentication, secure communication through encryption, firmware and patch management, and continuous monitoring with intrusion detection mechanisms. The model is evaluated through simulation in smart city scenarios, including transportation systems, environmental monitoring, and energy management. The results demonstrate significant improvements in security performance, with increases in threat detection rate, vulnerability reduction, access control effectiveness, and system stability under attack conditions. Quantitative analysis shows improvements of up to 37% compared to conventional approaches, indicating the effectiveness of the proposed model in mitigating IoT-related cybersecurity risks. This study contributes by providing a comprehensive and scalable framework for IoT device security management, which can be applied to enhance the reliability and sustainability of smart city systems. Future research is recommended to validate the model in real-world implementations and integrate advanced technologies such as artificial intelligence for predictive threat detection.

In the world of education, learning difficulties are a complex problem that can have a significant impact on student academic achievement. Analysis of causal factors and solutions is important in understanding these dynamics. Factors that cause learning difficulties include health conditions, learning environment, and individual characteristics of students. The impact of learning difficulties can be felt in declining grades, emotional disturbances, and limitations in developing students' potential. However, through the right approach, solutions can be found. Solutions such as learning differentiation, additional support programs, and partnerships with parents are key in helping students overcome learning difficulties and improve their academic performance. These steps provide opportunities for all students to reach their optimal learning potential. This research explores in depth the relationship between learning difficulties and academic achievement, and analyzes the underlying causal factors. Through a better understanding of these issues, educators, education professionals, and parents can work together to create learning environments that are inclusive, supportive, and facilitate students' holistic development. This will have a positive impact in improving student learning outcomes and preparing them for success in the future.      

Semarang, the capital of Central Java, is one of the big cities in Indonesia. However, the city still experiences significant education gaps. Moved by concern and enthusiasm for educating the nation, several physics education students at UIN Walisongo Semarang University together with the login house community carried out a joint learning program by introducing physics with children under the Semarang Cakrawal flyover bridge. This activity aims to improve children's knowledge and skills in physics subjects. This activity is not only about documenting a joint learning program but it is a moral movement to fight for the right to education for all children in Indonesia. This research was conducted in the urban area under the Cakrawala Flyover Bridge, Tawangsari, West Semarang. The method used in this service activity uses a classical approach. Children's enthusiasm and motivation for learning physics seems to be getting higher after being given motivation and fun learning methods from physics students.

Floods are disasters that often occur in Indonesia. Disasters caused by hydrometeorological factors always increase every year. Even though sometimes it doesn't cause many casualties, this disaster still damages infrastructure and significantly disrupts the economic stability of the community. The characteristics of floods are very diverse, floods can be caused by high rainfall without adequate soil absorption or can occur in the form of flash irrigation failures. South Kalimantan is a city known as the "City of a Thousand Rivers", which of course cannot be separated from flooding situations every rainy season. One of them is quite common in urban areas, especially the city of Banjarbaru. The dense population and the presence of rivers sometimes cause flooding, especially if the intensity of rainfall lasts long enough. Likewise, what often happens in the Kemuning Banjarbaru sub-district, floods that often come suddenly have become a normal activity for local residents. Without hesitation, there were even (9) RTs that were affected by the flash flood. Even though they are used to facing floods, especially when the rainy season arrives, residents are still advised to always be alert.

The diversity in societal exercise preferences has increased significantly, with fitness emerging as a favored modern activity, particularly in urban areas of Indonesia. Fitness is valued for its effectiveness in restoring body fitness and achieving ideal body shapes swiftly. However, in the era of Industry 4.0, technological advancements have revolutionized the approach to fitness. Smartphone fitness applications have replaced the role of personal trainers by providing tailored exercise and dietary programs. User Interface (UI) plays a pivotal role in fitness applications, influencing User Experience (UX). The challenge lies in designing UI to accommodate user heterogeneity, both internally and externally. Adaptive UI emerges as a solution, capable of altering layout and content according to user characteristics. Kernwerk® Functional Fitness exemplifies a fitness application utilizing AI to optimize fitness routines. To enhance Kernwerk's UI adaptability, UX evaluation is conducted using UEQ+ modular extension, a comprehensive instrument for effectively and efficiently measuring user experience. Through this evaluation, components of UI and UX requiring further development to enhance Kernwerk's adaptability can be identified.

This study aims to determine the effect of price and product quality on purchasing decisions for infinix smarthphone products in Shopee e-commerce, with a case study of the Isola urban community in Bandung. The research method used is quantitative with data collection techniques through questionnaires distributed to 100 respondents. The data analysis technique used is multiple linear regression analysis. The results showed that price and price significantly influenced the decision to purchase infinix smarthphone products in Shopee e-commerce. Price makes a greater contribution than product quality in influencing purchasing decisions. This research is expected to provide benefits for e-commerce businesses in increasing competitive pricing and product quality to increase consumer purchasing decisions.

Environmental laws play a critical role in shaping sustainable urban development by setting guidelines and regulations for managing natural resources, waste, and pollution. This study explores the influence of environmental law on sustainable city planning, examining case studies from various urban areas to assess the efficacy of these laws in promoting green spaces, reducing carbon emissions, and enhancing public health. The research highlights legal challenges and provides recommendations for policymakers aiming to balance urban expansion with environmental preservation.