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Murabaha financing is one of the leading products at PT. BPRS Mitra Mentari Sejahtera Ponorogo, especially for consumptive and productive financing. Therefore, the application of risk management and mitigation is very important to minimize financing risks. This study aims to determine how risk management and mitigation are applied to murabaha financing at BPRS. The method used is descriptive qualitative with field research and data collection techniques in the form of interviews and documentation. The results of this study indicate that risk management has been implemented at PT. BPRS Mitra Mentari Sejahtera Ponorogo, emphasizing the stages of identifying and measuring risk through 5C+1S analysis (character, capacity, capital, condition of economy, collateral, and sharia), although it only focuses on the aspects of capacity and collateral as well as BI checking. The risk mitigation process is also carried out through insurance and the use of collateral, especially gold pawn. Although it has a positive impact, its implementation is not yet optimal, as indicated by the high level of problematic financing and an increase in NPF.

This Community Service (PkM) activity focuses on the implementation of Quail Cultivation Counseling as a strategic effort to advance entrepreneurship among the Millennial Farmer Generation in Krebet Hamlet, Srengat, Blitar. This activity was motivated by the high economic potential of Quail and the need to improve the entrepreneurial competence of the younger generation in the livestock sector. The main goal of the program is to transform traditional cultivation into a structured, efficient, and sustainable modern business unit. The implementation method combines theoretical knowledge transfer with practical assistance in the field. The counseling material includes three pillars: 1) Business Scale Management, including capital management and strategies for increasing livestock population; 2) Quality Management and Livestock Health, emphasizing cage sanitation, feed, and quality vitamins; and 3) Marketing strategies to expand the distribution network. The results of the activities showed high effectiveness. Quantitatively, 80% of Millennial Farmer participants succeeded in implementing post-extension livestock population increases. Qualitatively, this activity fosters awareness, motivation, and a strategic entrepreneurial mindset so that participants are able to face production and market challenges. With this strategic practice, quail businesses are expected to increase profitability and competitiveness. This PKM serves as a catalyst in supporting economic independence and entrepreneurial development of the younger generation in the agribusiness sector.

Equality in education and employment is an important foundation for realizing social justice as mandated by Pancasila and the 1945 Constitution. Equality means that every individual has the same rights to access, treatment, and opportunities without discrimination based on gender, religion, ethnicity, social status, or physical condition. In education, equality is realized through equal access to learning facilities, an inclusive curriculum, and equal opportunities for all students to develop. Meanwhile, in the field of employment, equality includes fair opportunities in recruitment, promotion, training, and commensurate income. Education plays a strategic role in building awareness of equality by instilling the values ​​of empathy, tolerance, and social justice. A multicultural approach and inclusive education are key to shaping students who value diversity and reject discrimination. Although various policies have been implemented, such as the Smart Indonesia Card (KIP) and affirmative action programs for marginalized groups, challenges such as socio-economic inequality, discrimination, the digital divide, and weak policy implementation remain major obstacles. Therefore, comprehensive efforts are needed, encompassing policy reform, improving teacher quality, and implementing pluralism-based character education to create a just, inclusive, and equal Indonesian society.

The development of information technology in the era of globalization continues to accelerate. This has brought significant changes in various fields, one of which is online business, namely e-commerce. This study aims to analyze competition and provide optimal strategies for Shopee and Tokopedia in addressing their dependence on subsidies and large-scale discounts, so that both platforms can remain competitive effectively without experiencing a decline in profit margins. The research method used is a quantitative approach with a survey research method. The data used is primary data analyzed using Game Theory with Pure Strategy, Mixed Strategy, and Linear Programming. The results show that Shopee obtained optimal strategies for Price (proportion 0.3568) and Product Completeness (proportion 0.6427). Meanwhile, Tokopedia obtained optimal strategies for Promotion (proportion 0.3568) and Product Completeness (proportion 0.6427). The implication of this study is that companies can use the optimal strategies obtained to overcome their dependence on subsidies and large-scale discounts, which result in declining profit margins for both platforms.

This community service program aims to enhance the English communication skills of strawberry farmers in Pancasari Village, Sukasada District, Buleleng Regency, as an effort to strengthen tourism competitiveness through agrotourism. The activity was carried out through practical English training using a participatory and context-based approach that reflects the farmers’ real communication needs. The training consisted of two main stages: a classroom session employing the role-play method and a field practice session held directly at the strawberry farm with the involvement of local tourists and student assistants. The training materials covered daily expressions commonly used in interactions with visitors, including greetings, product explanation, offering activities, and basic transaction language. The primary learning media were a bilingual communication booklet and situational training modules, both developed from the results of a prior needs analysis. The evaluation results showed a significant improvement in the participants’ English communication abilities. Based on the pre-test and post-test results, the average improvement reached 43%, particularly in speaking confidence, vocabulary mastery, and fluency. Participants also demonstrated increased enthusiasm and professionalism when interacting with tourists in English. This program proves that practical and role-play–based training is effective in developing both linguistic competence and communicative confidence among local farmers. It also strengthens their role as tourism actors who contribute to the sustainable development of the Pancasari agrotourism area.

The study addresses literacy regarding MSME taxpayer compliance within Karanganyar Regency. The formulated hypothesis proposes that the implementation of e-filing and the existence of digital literacy exert a positive contribution toward MSME taxpayer compliance in Karanganyar Regency. The sampling technique applied was the accidental sampling approach, in which participants were chosen based on MSME actors who happened to be encountered by the investigator during fieldwork. The research data were gathered through questionnaires administered to MSME actors across Karanganyar Regency. The kind of information employed in this investigation was categorized as primary data. Analytical results indicated that the implementation of e-filing does not produce a notable effect simultaneously on MSME taxpayer compliance in Karanganyar Regency. Further outcomes revealed that digital literacy also shows no significant simultaneous impact on MSME taxpayer compliance in Karanganyar Regency. Findings from the F-test demonstrated an insignificant influence of combined e-filing implementation and digital literacy on MSME taxpayer compliance in Karanganyar Regency. The calculation provided an R² value of 0.002, equivalent to 2%, signifying that only a minimal effect is contributed by the implementation of e-filing and digital literacy toward MSME taxpayer compliance in Karanganyar Regency

The Field Work Practice (PKN) carried out at PT MK Prima Indonesia focused on the implementation of periodic maintenance practices for the premoulding hydraulic press machine as an effort to maintain machine performance and operational lifespan. The main activities included identifying critical components such as the hydraulic system, valves, pressure hoses, and oil filters; conducting direct observation of common disruptions; and performing daily maintenance checklists that covered pressure monitoring, operating temperature, leakage detection, machine cleanliness, and lubrication conditions. Comprehensive cleaning procedures, condition-based filter replacement, and functional testing were also conducted to ensure reliability and safety in the production process. The implementation methods involved participatory observation, interviews with technicians regarding common failure patterns, visual and functional inspections, as well as the use of structured checklists supported by inspection documentation. The results indicate a significant decrease in the frequency of disturbances caused by leaks and oil contamination, improved compliance with routine inspection procedures, and enhanced machine readiness during operations. The introduction of structured documentation and simple technical training further improved technicians’ ability to detect early signs of abnormalities in the hydraulic system. As a recommendation, the company is advised to strengthen the use of digital recording systems, adjust filter replacement intervals based on actual machine conditions, and implement regular training programs focusing on contamination control and predictive maintenance.

Analysis Of Student Learning Outcomes In The Implementation Of The Merdeka Currikulum In IPAS Learning For Grade IV Students At SDK Manumuti” aims to examine: (1) The Learning Planning in grade IV SDK Manumuti using teaching tools provided by the ministry of education and culture; (2) The Implementation of IPAS learning in grade IV based on the merdeka curriculum at SDK Manumuti; and (3) The Evaluation of IPAS learning in grade IV using the merdeka curriculum. This study employed field research with a qualitative approach. Data were collected through observation, interviews, and dokumentation, using both primary and secondary data sources. Data analysis techniques included data reduction, data display, and conclusion drawing. The findings show that: (1) Lesson Planning in grade IV SDK Manumuti has been carried out using the teaching materials provided by the ministry of education and culture; (2) The Implementation of IPAS learning is conducted properly in accordance with the designed teaching modules, consisting of initial activities, core activities, and closing activities; and (3) The Evaluation of learning in Grade IV SDK Manumuti refers to assessments provited by the ministry of education and culture, using formative assessments in each lesson. However, not all assessment have been implemented, particulary the diagnostic assessment which assesessment which has not yet been applied in every leasson.

This study aims to analyze the marketing strategy implemented by the Ngurah Rai Taxi Transportation Cooperative in responding to competition in the transportation industry in the digital era. Unlike application-based transportation companies, Ngurah Rai Taxi is a local transportation service provider that does not use a booking application, but instead relies on direct marketing activities at Ngurah Rai International Airport and the use of social media as a marketing communication tool. This study employs a descriptive qualitative approach, with data collected through in-depth interviews, field observations, and documentation. The research informants consist of an operational manager, field staff, a social media administrator, and taxi drivers. The findings indicate that the marketing strategy of Ngurah Rai Taxi emphasizes personal interaction, trust, and its image as an official airport taxi. Analysis using the AIDA model shows that consumer attention and interest are built through physical presence in the airport arrival area and direct communication, while desire and action are influenced by factors such as safety, fare certainty, and service comfort. This study confirms that direct service-based marketing strategies remain relevant and competitive within the context of Bali’s tourism market.

The Field Work Practice (PKN) carried out at PT MK Prima Indonesia focused on the implementation of periodic maintenance practices for the premoulding hydraulic press machine as an effort to maintain machine performance and operational lifespan. The main activities included identifying critical components such as the hydraulic system, valves, pressure hoses, and oil filters; conducting direct observation of common disruptions; and performing daily maintenance checklists that covered pressure monitoring, operating temperature, leakage detection, machine cleanliness, and lubrication conditions. Comprehensive cleaning procedures, condition-based filter replacement, and functional testing were also conducted to ensure reliability and safety in the production process. The implementation methods involved participatory observation, interviews with technicians regarding common failure patterns, visual and functional inspections, as well as the use of structured checklists supported by inspection documentation. The results indicate a significant decrease in the frequency of disturbances caused by leaks and oil contamination, improved compliance with routine inspection procedures, and enhanced machine readiness during operations. The introduction of structured documentation and simple technical training further improved technicians’ ability to detect early signs of abnormalities in the hydraulic system. As a recommendation, the company is advised to strengthen the use of digital recording systems, adjust filter replacement intervals based on actual machine conditions, and implement regular training programs focusing on contamination control and predictive maintenance.

Youth ministry plays a highly strategic role in the life of the local church, particularly in addressing the challenges of the modern era marked by rapid technological advancement, shifting moral values, and the declining spiritual engagement of young generations. This community service program aims to strengthen spiritual formation that directly enhances the activeness and commitment of youth ministry in the Gereja Kristen Setia Indonesia (GKSI) Air Upas congregation. The study employs a qualitative approach through literature review and limited field observation, focusing on analyzing spiritual needs, interaction patterns, and contextual strategies for effective discipleship. The results indicate that contextual, relational, and continuous spiritual development programs significantly increase motivation, participation, and a sense of responsibility among young people in church ministry. Furthermore, the support of church leaders and the active involvement of spiritual communities are crucial in fostering a Christ-centered service mindset. This program contributes to the development of a participatory and sustainable model of youth spiritual formation that can be applied in other local churches to build a generation of young believers who are spiritually mature, active in ministry, and committed to serving Christ wholeheartedly.

This community service activity focuses on the utilization of Talas Beneng (Xanthosoma undipes K. Koch), a tuberous plant native to Banten Province, as a healthy alternative food source free from gluten and casein. The program was implemented through the Holistic School Field Introduction (PLP) by students from Sultan Ageng Tirtayasa University at State Special School 02 Serang City. The method employed was qualitative, with a direct practice approach through training in preparing various processed products based on talas beneng, such as steamed cakes, brownies, cookies, and sticks. The activity involved three intellectually disabled students from junior and senior high school levels, along with PLP students and a culinary arts teacher. The primary objectives of the program were to enhance life skills, independence, and awareness of the importance of diversifying healthy local food sources. The results indicate an improvement in participants' abilities to recognize local food ingredients, process them into nutritionally valuable products, and strengthen collaboration between universities and schools in inclusive education. This program demonstrates that the utilization of local food resources can serve as an effective strategy to support food security, social empowerment, and holistic education.

Indonesia's dependence on fossil energy, which reaches 98%, results in high CO₂ emissions and energy costs. This study aims to design a wind energy system to meet electricity needs at the Arafuru Field of the Indonesian Navy Academy (AAL), which is strategically located near the coast with adequate wind potential. A quantitative research method was used by collecting wind speed data for three months (January-March 2025) at coordinates 7.21755° S, 112.71022° E. The data shows an average wind speed of 2.32 m/s with unpredictable direction. Based on the analysis, the SH-X 10000 vertical wind turbine was selected as the most suitable solution. Calculation results show that one turbine unit can generate power of 104,999 watts, so to meet the total power requirement of 109,120 watts, at least 2 wind turbine units are needed. This system not only reduces dependence on PLN and fossil energy but also has the potential to reduce CO₂ emissions and can be utilized as a learning laboratory for AAL cadets. The implementation of wind energy at AAL's Arafuru Field is expected to be a concrete step in the transition towards renewable energy in the military environment.

This study is an experimental research with a descriptive qualitative approach aimed at developing innovative hair styling in the form of fantasy buns made from rice straw waste as an environmentally friendly creative expression. The research was conducted through direct experimentation in creating fantasy hair buns using rice straw, followed by product feasibility and aesthetic assessments. The feasibility test was carried out by expert validators using the expert judgement method, while a public test was conducted to measure the level of interest and acceptance of the community through questionnaires distributed via Google Form. The results indicate that rice straw is suitable as an alternative material for creating fantasy hair buns due to its strong texture, easy shaping properties, and the ability to produce unique and artistic visual effects. These findings are expected to contribute to the utilization of agricultural waste into creative and valuable products in the field of hair styling.

This study aims to analyze the effectiveness of the integration of the Bus Rapid Transit (BRT) system with feeder transportation in improving the connectivity and accessibility of public transportation in Medan City. The research methods used include field surveys, interviews, and spatial analysis based on Geographic Information Systems (GIS) to map the transportation network and assess the scope of services. The analysis was carried out by comparing the existing conditions of the BRT (Corridors 2 and 3) and the results of the simulation after the integration of five feeder routes (A2, A3, A6, A7, and A8). The results show that the integration of feeder routes is able to increase service coverage from 57.84 km² to 128.84 km² (an increase of 122.8%), as well as expand the served area from 23 to 44 zones, with an increase in service ratio from 26% to 57%. In addition, the average distance to the bus stop decreased from 1.2 km to 0.6 km, and the route overlap was reduced by 40%. Spatially, areas with high accessibility (<500 m from bus stops) have increased significantly in city centers such as Merdeka Square and Petisah Market. This study concludes that the integration of BRT and feeder is an effective strategy to realize a sustainable, efficient, and inclusive transportation system in the city of Medan. The implementation of a rotating operating system is also recommended to optimize the fleet without the need for the addition of new vehicles.

This study aims to analyze how the government policy of Mojokerto City is implemented to support the empowerment of shoe SMEs and to identify the factors influencing the success or failure of the policy. The method used in this research is a qualitative approach with data collection techniques through in-depth interviews, field observations, and documentation. Data was collected from shoe SMEs, relevant government officials, and supporting institutions. Data analysis was conducted using Edwards III's public policy implementation theory, which includes four indicators: communication, bureaucratic structure, resources, and implementer disposition. The findings of this study show that although the policy for empowering shoe SMEs has had a positive impact in several areas, such as improving product quality and marketing awareness, there are still barriers in terms of inter-institutional coordination, access to funding, and human resource quality. The conclusion of this study is that the implementation of the shoe SME empowerment policy in Mojokerto City can succeed with improvements in more effective communication, better coordination between institutions, and strengthening the resources needed by SMEs. Recommendations for the local government include simplifying administrative procedures, increasing access to funding, and enhancing entrepreneurship training relevant to the needs of shoe SMEs. Therefore, this policy is expected to have a greater impact on competitiveness and the local economy.

This community service activity was conducted in a Christian ministry institution located in Makassar City, South Sulawesi. The Student Creativity Program (PKM) was motivated by the reality that many people in Makassar have not yet known or believed in Isa Al-Masih (Jesus Christ )as Lord and Savior. As a city with a predominantly non-Christian population, evangelism in Makassar needs to be carried out contextually, wisely, and lovingly, without offending the beliefs of the surrounding community. The “PI 3 Saja” method (an acronym for Evangelism anytime, anywhere, and to anyone) serves as a relevant and effective strategy for reaching out to society. Through the 5P approach (Pertalian—Relationship, Peralihan—Transition, Penginsafan—Conviction, Pengabaran—Proclamation, and Penyelesaian—Commitment), this method emphasizes the importance of friendship, empathy, and naturally sharing the Gospel in everyday conversations. The purpose of this activity was to train participants in the institution to become contextual evangelists who can share the Good News without coercion, but rather through exemplary living and genuine friendship with others. The training and field practice results showed positive responses from the community, the formation of small discipleship groups (house churches), and an increased sense of courage and sensitivity among participants in sharing the Gospel in non-Christian environments. This activity demonstrates that evangelism can remain relevant and effective when it prioritizes love, relationships, and sensitivity to local culture.

The Indonesian Naval Academy (AAL) is a military educational institution responsible for training young officers for the Indonesian Navy. The learning process at AAL is structured thru classroom theory, field practice, and direct simulations, including using the Engine Room Simulator (ERS) located under the Department of Engineering. The ERS is an important facility for supporting the technical mastery of ship engines for cadets. The operation of this simulator is highly dependent on the supply of electrical energy, with a total electrical power requirement of 14.36 kW. Thru this research, the author aims to design a hybrid solar energy system that can combine electrical energy from the PLN grid with alternative energy from sunlight. The potential for solar energy in the Indonesian Navy Academy area is very large. The average sunlight intensity in the Surabaya area over 1 year per hour is 208.33 W/m2. Therefore, in the design study, the author chose the Solar PV Lesso HPM series 550W solar panel, which has a power of 550W, an efficiency of 21.3%, and an area per panel of 2.583 m2. Based on the calculations obtained, the author used 126 solar panels with an area of 323.64 m2, as well as 24 Panasonic LC-P12100NA batteries with a voltage of 12 V and a capacity of 100 Ah, installed in 3 series and 8 parallel circuits.

This abstract summarizes the innovation in land administration services through the implementation of Electronic Land Rights Certificates (e-Certificates) by the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (ATR/BPN). The policy responds to persistent challenges in conventional land certificate services, including lengthy bureaucratic procedures, limited transparency, and risks of document duplication and forgery. The study focuses on the implementation of e-Certificate services at the Surabaya City Land Office II, aiming to analyze the effectiveness of the innovation, supporting and inhibiting factors, and its impact on public service quality. A descriptive qualitative approach is employed, utilizing Rogers’ Diffusion of Innovation theory (1971) with five key indicators: relative advantage, compatibility, complexity, trialability, and observability. Data collection methods include document analysis, in-depth interviews, and field observation. Findings indicate that the e-Certificate provides significant benefits, such as time efficiency, enhanced data security, and improved transparency. The innovation also aligns with national priorities for digital transformation and bureaucratic reform. However, notable complexity persists due to limited digital literacy among the public and adaptation challenges faced by employees. Limited-scope pilot implementation supports iterative system improvements, while observable outcomes include accelerated services and increased public trust. Key enabling factors consist of strong national policy support, advanced digital infrastructure in Surabaya, and organizational commitment. Conversely, constraints include limited human resources, resistance to organizational change, and data security concerns. Overall, the e-Certificate innovation at the Surabaya City Land Office II has generated new public value through faster, more efficient, and accountable services, establishing a model for advancing digital transformation in land administration across Indonesia.

Maritime safety is a fundamental aspect of the sea transportation system and plays a crucial role in supporting the smooth operation of trade, tourism, and community mobility between islands. Ensuring safety is not only dependent on the technical condition of vessels but also on the effectiveness of supervision and operational management at ports. This study aims to analyze the influence of ship traffic, ship document inspection, and vessel seaworthiness on maritime safety at Tanjungpinang Port. The research employed a quantitative approach, with data collected through questionnaires distributed to port officers, ship captains, and crew members, as well as field observations to strengthen empirical findings. The collected data were analyzed using SPSS software through validity tests, reliability tests, and multiple linear regression analysis to determine the relationship and contribution of each variable. The results indicate that all three variables ship traffic, document inspection, and vessel seaworthiness have a positive and significant influence on maritime safety. These findings suggest that proper ship traffic management, orderly administrative inspections, and ensuring that vessels are seaworthy play essential roles in reducing the risk of accidents at sea. This study provides practical implications for port authorities and the Ministry of Transportation, particularly in strengthening supervision systems, improving inspection quality, and enhancing maritime safety management in the Riau Archipelago region, especially at Tanjungpinang Port