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This study aims to examine various factors that influence customers' engagement in choosing the Cicil Emas product as a form of long-term investment at Bank Muamalat Purwokerto. This research is based on the increasing trend of gold investment in the community caused by the increase in gold prices and awareness of the importance of halal investment according to sharia principles. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation of Bank Muamalat Purwokerto. The results show that customer interest is influenced by several main factors, namely trust in sharia principles through the murabahah contract, a positive perception of gold as a stable investment asset, the ease of installment procedures that are flat and transparent, and the efficiency of the payment system through autodebit. In addition, social factors such as family recommendations and active promotions from the marketing department also strengthen customer interest. From the SWOT analysis, it was found that the main strength of this product lies in Bank Muamalat's reputation as a pioneering sharia bank and a stable installment system, while its main weaknesses are limited physical gold stocks and low public investment literacy. With increasing public awareness of sharia investment and the large market potential in Purwokerto, the Cicil Emas product has strong prospects for continued growth as a safe and Islamically-compliant long-term investment instrument.

Independent Community Service Program (KKN) is a form of student community service that aims to apply knowledge practically in the field. This activity was carried out by students of the University of Muhammadiyah North Sumatra with the theme "Building Student Financial Awareness Through Education and Socialization in Schools. " This program aims to improve financial understanding among students from Elementary and High Schools in Perkebunan Gunung Melayu Village, Rahuning District, Asahan Regency. The methods applied include interactive socialization, educational games, and quizzes to stimulate students' interest and understanding of the importance of saving and managing finances from an early age. The results of this activity show that students begin to recognize the basic concepts of financial management, including how to distinguish between needs and desires, the significance of saving, and the application of Islamic financial principles in daily routines. In addition, this activity also serves to increase public understanding of the importance of financial education for children. The main element that facilitates the implementation of activities is support from educational institutions, village governments, and local communities, while the main challenge faced is the lack of attention of elementary school students caused by their habits that still prefer to play. Overall, this KKN program has a positive impact on increasing students' financial awareness and has the potential to be a simple financial education model at the elementary and secondary school levels

Relational bullying is a form of bullying that often occurs in the school environment and has a significant impact on the psychological and academic aspects of students. This research aims to analyze the influence of relational bullying on students’ interest in learning at various levels of education. The research method used is literature review by reviewing 11 relevant national journals indexed by Google Scoler, DOAJ and Sinta, which were published between 2018 and 2024. The results of the study show that relational bullying generally appears in the form of exclusion, spreading gossip, manipulation of social relationships, indirect mockery, and seniority behavior. The impacts caused include a decrease in academic confidence, increased anxiety and depression, loss of study concentration, and low student motivation and participation in class. This condition implies a decrease in learning achievement and student involvement in school activities. Based on the findings, it is concluded that relational bullying has a significant negative effect on students’ interest in learning. Therefore, prevention efforts are needed through the establishment of a positive school climate, strengthening the value of empathy, and the provision of sustainable counseling services to create a safe learning environment and support the development of students.

This study aims to: (1) identify and analyze the development of Third Party Funds (DPK), inflation, savings interest rates, Gross Regional Domestic Product (GRDP) at constant prices, and regional expenditure across Indonesian provinces during 2019–2023; and (2) examine the influence of inflation, savings interest rates, GRDP at constant prices, and regional expenditure on Third Party Funds in the same period. The research employs panel data regression analysis using EViews 12 for data processin.The results show that (1) the highest average growth of Third Party Funds (DPK) was recorded in South Kalimantan (11.89%), while the lowest was in Banten (-10.87%). The highest average inflation occurred in East Java (3.7%) and the lowest in Papua (2.1%). The savings interest rate peaked in 2019 at 1.17% and declined to its lowest level in 2022 at 0.37%. The highest GRDP growth was found in North Maluku (16.41%) and the lowest in West Papua (1.16%). Similarly, North Maluku also recorded the highest regional expenditure growth (14.08%), while West Papua experienced the lowest (-17.24%), reflecting economic disparities across regions in Indonesia. (2) The regression analysis reveals that GRDP at constant prices and regional expenditure have a significant and positive effect on Third Party Funds, while the savings interest rate has a significant and negative effect. In contrast, inflation shows no significant effect on Third Party Funds.

This study aims to determine the role of Community Service Program (KKN) students in increasing interest in learning Islamic Religious Education (PAI) at the Al-Muttaqin Foundation MDTA. The background of this study stems from the low enthusiasm and motivation of students in participating in religious lessons, so that learning innovations are needed that can rekindle their enthusiasm for religious values. KKN students, as part of the implementation of the Tri Dharma of Higher Education, have a social responsibility to contribute directly to society, one of which is through educational activities. In its implementation, students apply various creative, interactive, and fun learning methods, such as educational games, group discussions, and role-model-based approaches that make students more active and motivated. This study uses a descriptive qualitative method with observation, interview, and documentation techniques during the two-month activity. The results show that the presence of KKN students has a positive influence on increasing student interest in learning, seen from increased discipline, active participation, and curiosity about PAI materials. In addition to being teachers, students also play a role as moral guides who instill religious values ​​through positive behavior and habits.   

This community service activity aims to foster the religious character of the community in Timbang Langkat Village through an Islamic literacy program. This program is implemented as a form of contribution from the Real Work Lecture (KKN) students in strengthening religious values in the community by increasing interest in reading, understanding, and practicing Islamic teachings contextually. The activity method is carried out with an approach implemented through counseling, religious studies, group discussions, and relevant, good and correct worship guidance according to the sunnah. The results of the implementation of the activity show a sense of enthusiasm from the community in participating in the literacy activities carried out, as well as the emergence of positive changes in the religious nature and behavior of children and the surrounding community, such as increased awareness of worship, social concern, and enthusiasm for learning worship such as prayer and tilawah. In addition, this activity also fosters a sense of togetherness between students and the community in building an environment with an Islamic character. The continued impact of this activity is seen from the formation of small study groups that independently continue Islamic literacy activities after the program ends. Thus, this Islamic literacy-based community service has proven effective as a means of developing sustainable religious character in the community, while strengthening the synergy between the Muhammadiyah University of North Sumatra and the Timbang Langkat Village community in developing local potential based on Islamic values.

The use of technological resources, especially the internet, has a very important role in supporting the effectiveness of the implementation of the flipped classroom model. Through internet access, students can prepare before face-to-face learning by watching learning videos, reading materials, or doing exercises independently. This allows the classroom teaching and learning process to be more interactive, where face-to-face time can be focused on discussion, problem-solving, and application of concepts. Based on survey data collected from students of SMK Dewata Bali Denpasar, it is known that optimal use of the internet helps increase students' understanding and interest in learning science subjects. However, as time went by, it was found that some of the material was still difficult for students to understand and remember. Therefore, educators need to choose the learning platform that is most effective in supporting the implementation of this model. Using the ELECTRE (Elimination and Choice Expressing Reality) method, this study assessed various platforms such as features, price, ease of use, and user survey results. The results show that Google Classroom is the most suitable and efficient platform to support reverse learning because of its ability to integrate various learning media, ease of access, and support for interaction between teachers and students.

This study aims to describe the management of the Tahfidz class program in improving students’ memorization quality at MTs Sabilul Muttaqin Pungging and to identify the supporting and inhibiting factors. The research focuses on three main aspects: (1) the implementation of the Tahfidz program, (2) the improvement of students’ memorization quality, and (3) the factors influencing the program. This study employed a qualitative approach with a descriptive method. Data were collected through direct observation of the program implementation, in-depth interviews with teachers and students, and analysis of related documents. The results show that the management of the Tahfidz class program at MTs Sabilul Muttaqin Pungging follows good program management principles through planning, implementation, and evaluation stages. The program has positively impacted students’ ability and interest in memorizing the Qur’an. Students demonstrated significant improvement in memorization accuracy and fluency, with fewer errors recorded by teachers. Supporting factors include qualified human resources, a conducive peer environment, and special Tahfidz classrooms, while inhibiting factors involve limited time, variation among teachers receiving memorization submissions, and the absence of a written curriculum.

This study aims to examine the impact of using the Quizizz application on students’ learning interest in the Information Technology subject at SMK Negeri 3 Salatiga. The research employed a quantitative approach with a quasi-experimental design, involving an experimental class that utilized Quizizz as a learning medium and a control class that used conventional teaching methods. Data on students’ learning interest were collected through questionnaires and analyzed using the Independent Sample T-Test to determine significant differences between the two groups. The findings revealed that students in the experimental class who learned through Quizizz achieved a mean score of 68.96, while those in the control class obtained a mean score of 57.30. The statistical analysis indicated a significant difference between the two groups, suggesting that the use of Quizizz had a positive and measurable effect on enhancing students’ learning interest. The interactive features of Quizizz, such as real-time feedback, gamification elements, and visual engagement, likely contributed to students’ higher motivation and active participation during the learning process. Based on these results, it can be concluded that Quizizz serves as an effective and engaging digital tool to increase students’ enthusiasm for learning Information Technology. It is therefore recommended that educators integrate Quizizz into classroom activities as a complementary interactive learning medium. Future research is encouraged to investigate the application of other digital platforms or compare the effectiveness of different gamified learning tools across various subjects and educational levels.

In the increasingly competitive snack food industry, companies need effective marketing strategies to attract consumer attention. One commonly used strategy is utilizing Brand Ambassadors and enhancing Brand Awareness to build a positive brand image in the minds of consumers. PT Dua Kelinci, as the producer of Tos Tos Tortilla Chips, has adopted this approach by collaborating with the South Korean idol group NCT Dream as its Brand Ambassador to expand market reach and attract K-pop fans in Indonesia. The problem in this research lies in the lack of understanding regarding the extent to which Brand Ambassador and Brand Awareness influence purchasing decisions. This study aims to determine the effect of Brand Ambassador and Brand Awareness on purchasing decisions of Tos Tos Tortilla Chips among NCT Dream fans in West Jakarta. The research method used is a quantitative approach through the distribution of questionnaires and analysis using data quality testing and multiple linear regression. The results show that both variables, Brand Ambassador and Brand Awareness, have a positive and significant influence, both partially and simultaneously, on purchasing decisions. This indicates that selecting the right public figure and maintaining a high level of Brand Awareness can increase consumer interest and purchasing decisions.  

This study explores the function of the scientific approach and learning assessment as elements that strengthen the quality of education through a structured literature review. The review of various sources shows that the continuous application of the scientific method has a positive effect on improving students’ critical thinking, creativity, learning independence, and character development. Findings from several studies over the past decade support the effectiveness of implementing the scientific method at various educational levels, despite challenges such as limited time and learning resources. In addition, comprehensive learning evaluation not only measures final outcomes but also considers context, input, and process (CIPP model), thereby enhancing the relevance of learning objectives and student motivation. The literature review also highlights the importance of guidance and counseling (GC) as an integrative component that supports students’ academic, social, personal, and character development at both primary and secondary education levels. However, some studies identify challenges in implementation, such as students’ low reading interest and the dominant role of teachers, which can be addressed through STEM-based and blended learning models. Overall, the integration of GC with learning evaluation has the potential to realize holistic education that balances intellectual, emotional, social, moral, and spiritual intelligence, while preparing students to contribute effectively to society and the future workforce. These findings encourage the development of educational policies and learning practices that are more process-oriented, context-based, and focused on the holistic development of student competencies.

This study aims to comprehensively describe the implementation of differentiated learning in classroom management and analyze its impact on students’ learning outcomes, particularly in mathematics subjects. The research method employed is a literature review by examining various scholarly sources such as national and international journals, educational textbooks, and relevant research articles. The findings indicate that differentiated learning is a pedagogical approach that places students at the center of the learning process by accommodating individual differences in terms of readiness, interests, and learning styles. This approach has proven effective in enhancing students’ motivation, active engagement, and conceptual understanding of mathematical content. Although its implementation presents several challenges, including classroom management complexity, time constraints, and limited learning resources, numerous studies report significant improvements in post-test scores, learning activities, and overall learning achievement following the application of differentiated learning strategies. Therefore, differentiated learning can serve as a strategic solution to create an inclusive, adaptive, and learner-centered educational environment, ultimately improving the quality of teaching and learning, especially in mathematics education.

Holding a socialization activity to teach 6th grade students at SD 014662 the habit of saving money from an early age. This activity aims to foster students' interest in saving money. Character education, including learning about money and the habit of saving money from an early age, is the main basis for this activity because many elementary school students are still not interested in saving money. The main objectives of this outreach program are to raise awareness of the benefits of saving, encourage students to get into the habit of saving, train them in self-control, introduce them to basic financial services, and enhance their creativity by making piggy banks from recycled materials. The program implementation method is divided into several stages, namely coordination, media preparation, outreach, and piggy bank making. This activity was carried out face-to-face at SD 014662 Desa Perk.Gunung Melayu. The target of this activity was 6 sixth-grade students of SD 014662 aged between 11 and 12 years old. Various activities were carried out, including presenting material on the definition, benefits, and socialization of how to save money. In addition, there were also practical activities, namely making piggy banks from used cans and determining savings targets. The savings socialization activity was carried out smoothly and succeeded in arousing students' interest in saving money. They also gained a better understanding of the meaning, benefits, and methods of saving money. All sixth-grade students appeared enthusiastic and interested, listening attentively to the material and actively asking and answering questions. The activity of making and decorating piggy banks from used cans also successfully stimulated the students' creativity. In addition, students began putting their remaining pocket money into the piggy banks and setting savings targets, indicating a shift in habits from being consumptive to being more economical. From the results of these activities, it can be concluded that socializing the habit of saving from an early age with a practical and interactive approach is very effective in increasing interest and forming disciplined habits in managing children's money.

The problem addressed in this community service project is the low understanding of PKBM Permata Paket B students in applying mathematics to everyday life. The objective of this study is to improve students' understanding of mathematics through context-based learning, as well as to stimulate their interest and independence in solving problems involving numbers. The method used is a contextual teaching approach involving group discussions, problem-solving exercises, and real-life problem applications. The results show that context-based mathematics learning significantly improved students' understanding of budgeting, expenses, and personal finance management. Students also showed increased active participation in learning activities and a better ability to connect mathematical theory with practical problems in their daily lives. This program also had a positive impact on social empowerment, increasing students' independence in managing their daily lives. However, challenges related to understanding more complex concepts remain, and it is recommended to use more varied methods and extend the learning time in the future.

Many young people in Indonesia have a strong interest in starting their own businesses; however, only a small portion are able to turn this interest into a sustainable entrepreneurial career. This study aims to explore in depth how family support plays a role in the journey of young entrepreneurs, from the early stages of entrepreneurial exposure to the formation of entrepreneurial identity and personal values. The research employs a qualitative method with a narrative-biographical approach. Participants were selected using purposive sampling, and data were collected through semi-structured interviews with the main subject and significant others who have close relationships with the subject. The data were analyzed using Braun and Clarke’s thematic analysis technique, which focuses on identifying meaning and patterns within the subject’s life experiences. The findings reveal four main themes: (1) the process of early entrepreneurial learning and exposure, (2) the role and dynamics of family support in fostering entrepreneurial resilience, (3) turning points in career transformation and the formation of entrepreneurial identity, and (4) personal principles and values that guide business practices. The results emphasize that family support is not only material but also serves as a psychological and emotional factor that plays a crucial role in the success of young entrepreneurs in building and sustaining their businesses.

Women are an interesting subject of analysis in the media, especially in films. The status of single women, meaning those without a partner, is often accompanied by negative stigma and social pressure to meet societal expectations. This phenomenon is often perceived as a failure to fulfill one's expected role, thereby creating various challenges for single women. This study aims to examine the representation of singlewomen through the character Lainy in the film Kinda Pregnant, exploring how Lainydeals with social stigma and pressure related to her status. Using Stuart Hall's theory of representation, this study applies a descriptive qualitative method and a semiotic approach developed by Roland Barthes. This study analyzes 12 selected scenes to identify relevant themes, such as expectations, reproductive myths, social pressure, and negative stereotypes faced by single women. The analysis reveals that single women are often labeled as “old maids” and compared to the ideal married woman. In this context, Lainy is depicted as struggling against societal expectations regarding marriage and motherhood, while striving to find self-acceptance amid the stigma attached to her status. This study aims to provide insights into the challenges faced by single women in social and cultural contexts, emphasizing the importance of solidarity among women.

The objective of this research was to determine the influence of website quality, ease of use, and customer experience on purchase intention in Tokopedia e-commerce . The objectives include to determine the influence of website quality on purchase intention, to determine the influence of ease of use on purchase intention, and to determine the influence of customer experience on purchase intention. This study uses a descriptive quantitative approach with data collection methods of questionnaires, interviews, and documentation. The population in this study is the community of Jalan Garu II Medan Amplas and the sample as respondents of this study will be taken using probability sampling with the Slovin formula, namely 93 people who were met during the study. The data obtained in this study were analyzed using multiple linear regression analysis with the SPSS 26.0 program. The results of this study indicate that the calculated F value of 369.097 is greater than the F table of 2.474, which means that simultaneously there is an influence on website quality (X1), ease of use (X2), and customer experience (X3) on purchase intention in Tokopedia e-commerce. Partially, it can be seen that the website quality variables ( ¬X1), ease of use (X2), and customer experience (X3) have an effect on purchase intention (Y), namely the website quality variable (X1 ¬) of 3.227 is greater than the t table of 1.661, ease of use of 2.607 is greater than the t table of 1.661 and customer experience (X3) of 5.253 is greater than the t table of 1.661. Based on the results seen from the coefficient of determination of the website quality variables (X1 ¬), ease of use (X2), and customer experience (X3) have an effect, namely with an R2 value of 0.950 or 95%.

This study aims to measure the effectiveness of Pop-Up Books with the theme “The Life Cycle of Butterflies” in improving the understanding of fourth-grade students at Madrasah Ibtidaiyah (MI). This media is designed as an attractive and interactive learning tool that is relevant to everyday life, helping students understand the concept of the life cycle of living things, especially butterflies. The approach used in this study is descriptive qualitative, with data collection through observation, interviews, and documentation. The research subjects included fourth-grade MI students. The data were analyzed in three stages: data reduction, data presentation, and conclusion drawing. The results showed that the use of Pop-Up Books successfully attracted students' interest and attention, increased their motivation to learn, and facilitated their understanding of the stages of the butterfly life cycle. Teachers also provided positive feedback on this media because it supported an active, creative, and enjoyable learning process. Thus, it can be concluded that the Pop-Up Book media with the theme “Butterfly Life Cycle” is effective in science learning to improve the conceptual understanding of fourth-grade Madrasah Ibtidaiyah students.

Conflict is an inevitable phenomenon in every organization, whether in business, education, or social contexts. If not managed properly, conflict has the potential to reduce performance; however, if handled constructively, it can become a source of innovation. Based on this issue, this study aims to answer the main question: how is conflict understood and managed according to recent literature findings? The method used is a literature review by searching for articles through several online databases using the keywords "organizational conflict," "conflict management," "types of conflict," and "resolution strategies." From an initial search result of 17 articles, after a screening process, 15 articles met the criteria for further analysis. The analysis results reveal three main themes. First, conflict in organizations can be categorized into several types, such as intrapersonal, interpersonal, intragroup, and intergroup conflicts. Second, the sources of conflict often stem from differences in interests, ineffective communication, and unequal distribution of resources. Third, conflict resolution strategies vary, including mediation, collaborative communication, compromise, deliberation, and approaches based on religious values.

In supporting the learning process, teachers often use videos on YouTube, Instagram, and TikTok for learning media nowadays. One that can be used for learning media is Augmented Reality. Augmented Reality in the world of education has not been implemented and applied as a supporting medium for interactive education in schools, because no educational institution has implemented it as a mandatory media that functions as a learning tool. Muhammadiyah 12 GKB Gresik Middle School has a Digital Technology Class Program that strives to provide a forum for teachers and students to always actively use technology in learning in class and outside the classroom. With the material Reply for unbelievers, it is hoped that it can be visualized through Augmented Reality. Based on the background above, the author tries to explain the main statement (1) how to design an effective, efficient, and interesting Augmented Reality learning model for 8th grade students of the Quranic material, Surah Al Fajr, reply for unbelievers. (2) what are the advantages and disadvantages of the Augmented Reality learning media design. This study aims to describe the design of the Augmented Reality learning model so that it is effective, efficient, and interesting. As well as describing the advantages and disadvantages of Augmented Reality learning media design so that it can be effective, efficient and interesting for students. The research method used by researchers uses the Research and Development method by adopting the ADDIE development model in the first two steps: Analysis and Design. The results of the needs analysis on the use of Augmented Reality (AR) media in learning replies for non-believers, this is effective, efficient and interesting if used in the learning process for students, and is needed, especially in learning replies for non-believers.