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This article examines the juridical aspects of online loans (pinjol) as an alternative method for Indonesian students to pay tuition fees (SPP and UKT), with a focus on the partnership between universities and fintech institutions like Danacita. Using normative legal methods and literature analysis, the study finds that while online lending platforms are legally regulated under POJK No. 77/POJK.01/2016, there are still gaps in legal protection for students as consumers. The lack of targeted consumer protection, transparency, and financial literacy raises serious risks of over-indebtedness and academic dropout. This paper calls for more stringent government oversight, improved regulatory enforcement by OJK, and the development of accessible, fair educational financing alternatives.

Infant mortality rates (IMR) at the global and national levels occur mostly during the neonatal period. One way to reduce infant mortality is to provide the best food, namely breast milk. The breastfeeding process can be hampered due to several problems, one of which is the occurrence of breast milk dams. The purpose of the study was to determine the relationship between mothers' knowledge about breastfeeding techniques and breast milk dams at PMB Pratiwi Agustian. The research method used was a quantitative analytic study with a cross sectional design. The research sample was 28 respondents using total sampling technique. Data were collected through questionnaires and analyzed using the chi-square test. The results showed that the majority of breastfeeding mothers with good knowledge of breastfeeding techniques did not experience breast milk dams as many as 5 people (71.4%), 13 people (76.5%) did not experience breast milk dams in the moderate category, and 4 people (100.0%) experienced breast milk dams in the poor category. Correlation analysis showed that there was a relationship between knowledge of breastfeeding techniques and breast milk dams in nursing mothers at PMB Pratiwi Agustian with a significant value of p = 0.015. Lack of knowledge about proper breastfeeding techniques can increase the risk of breast milk dams in mothers. Therefore, improving mothers' knowledge and skills in breastfeeding through proper education and counseling is crucial to prevent or reduce the incidence of breast milk dams.

This service presents the results of activities carried out at PT PLN (Persero) Aceh Distribution Unit, focusing on designing a web-based automatic certificate generation system using the System Development Life Cycle (SDLC) method. The main goal of the development of this system is to improve efficiency and effectiveness in the process of creating certificates that were previously done manually. Through the needs analysis, it was found that the current manual system resulted in delays and errors in the management of certificate data. The SDLC method was chosen to ensure that system development is carried out in a structured manner, from needs analysis to system maintenance.

Chronic Kidney Disease (CKD) is a major global health issue that can lead to serious complications and long-term medical care. This study aims to identify key clinical factors associated with CKD status using binary logistic regression analysis. The dataset, obtained from Kaggle, contains 400 patient records with various clinical and demographic attributes. The dependent variable is CKD status (positive or negative), while the independent variables include age, blood pressure, hemoglobin level, urine albumin level, and serum creatinine. Initial analysis involved descriptive statistics and multicollinearity checks, followed by model estimation and evaluation using likelihood ratio and Wald tests. The final model identified four significant predictors: blood pressure, hemoglobin, urine albumin, and serum creatinine. The model achieved a high classification accuracy of 95.50% and an Area Under the ROC Curve (AUC) of 98.78%, indicating excellent predictive performance. These results highlight the importance of these clinical indicators in early CKD detection and support their use in risk assessment models for kidney disease screening Keywords: Chronic Kidney Disease, Binary Logistic Regression, Likelihood Ratio Test, Wald Test, Classification Accuracy

Profitability, measured by Return on Asset (ROA), is a key indicator for assessing the performance and resilience of the banking sector. During the 2019–2023 period, the Indonesian banking sector faced significant pressure from the COVID-19 pandemic, which impacted asset quality and financial performance. This study aims to analyze the simultaneous and partial effects of Non-Performing Loan (NPL), the BI Rate, inflation, Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) on the ROA of commercial banks in Indonesia. This research employs a quantitative approach using monthly secondary data from 2019 to 2023. The analysis was conducted using Robust Least Squares (RLS) with M-estimation, a Wald test for simultaneous significance, and a z-statistic for partial tests. The results indicate that, simultaneously, the five independent variables have a significant effect on ROA with a significance value of 0,000 and a coefficient of determination of 67,1 percent. Partially, NPL has a significant negative effect on ROA, while NIM, CAR, and inflation have significant positive effects. The BI Rate shows no significant influence. The implications of these findings highlight the managerial importance of strengthening credit risk management to control NPL, enhancing intermediation efficiency to maintain a healthy NIM, and preserving capital adequacy. From a policy perspective, these results justify the continued strengthening of prudential supervision over banks' internal ratios by financial authorities. Furthermore, the insignificance of the BI Rate suggests that the monetary policy transmission to bank profitability is indirect, necessitating a focus on internal factors to maintain the stability of the banking sector.

This study aims to identify and analyze the challenges faced by novice teachers in implementing a dual curriculum—which includes the national curriculum and Islamic curriculum—in Islamic Elementary Schools (SDI). The dual curriculum in SDI requires integration between mastery of general knowledge and instilling strong Islamic values. However, in practice, novice teachers experience various difficulties, ranging from limited understanding of the two types of curriculum, heavy administrative burdens, to social and cultural pressures of religious schools. This study uses a descriptive qualitative approach based on literature studies, by analyzing relevant academic literature from journals, proceedings, and scientific books in the last ten years. The results of the analysis show that novice teachers experience challenges in pedagogical, structural, psychological, and cultural aspects. They often feel unprepared to develop integrative teaching materials, manage time effectively, and meet institutional and parental expectations. The lack of mentoring, training, and assistance programs also worsen the situation, causing work stress and the risk of burnout. This study concludes that the challenges faced by novice teachers in the context of the dual curriculum are systemic and require a structured and sustainable solution approach, such as strengthening integrated training, integrating curriculum management, and developing a professional development system that supports the pedagogical and spiritual development of novice teachers.

This study aims to identify the factors that influence the interest of Bank Syariah Indonesia (BSI) customers in using the Byond by BSI application, using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) approach. This application is one of the digital innovations developed by BSI to improve digital banking services. The data in this study were obtained from primary data collected directly through a Google Form questionnaire distributed to 290 respondents who are BSI customers and users of the Byond by BSI application. The study employed a non-probability sampling method with purposive sampling technique, where respondents were selected based on specific criteria relevant to the research objectives. Data analysis was conducted through several stages, including descriptive statistics, validity and reliability tests, normality tests, multicollinearity, heteroskedasticity, as well as multiple linear regression analysis and hypothesis testing. Data processing was conducted using SPSS software version 30. The results of the analysis indicate that all variables studied, performance expectancy, effort expectancy, facilitating conditions, hedonic motivation, habit, trust, and perceived risk have a positive and significant influence on behavioral intention or users' interest in continuing to use the Byond by BSI app.  

Evaluating system security is a crucial step in preventing data breaches and application disruptions. This research focuses on evaluating the security of the E-Office Desa application in Sumedang Regency using the Indeks KAMI as its assessment method. Indeks KAMI is designed to measure the maturity level and effectiveness of information security management within an organization. The data processed was collected from questionnaires distributed to village officials in Sumedang Regency. This evaluation covers six main domains: Governance, Risk Management, Information Security Framework, Asset Management, Information Technology and Security, and Personal Data Protection. Based on the analysis of the data obtained from the questionnaire distribution, the security level of the E-Office Desa application in Sumedang Regency is at maturity level III, which indicates "sufficient" security. However, several improvements and enhancements are still needed in certain security aspects to protect the sensitive data contained within the E-Office Desa application's database.

Bitcoin is one of the most prominent digital assets in the modern financial era due to its high volatility and huge profit potential. However, its extreme price volatility also makes it a high-risk asset, so a reliable forecasting approach is needed to help investors make more rational decisions. This study aims to forecast Bitcoin price using the Moving Average (MA) method, specifically MA3, by utilizing monthly historical data of Bitcoin price in USD currency obtained from investing.com website. The MA3 method was chosen for its ability to smooth out short-term fluctuations and identify the direction of price trends. The forecasting process is performed by calculating the average of the last three months' prices for each point in time and compared to the actual price to evaluate its accuracy. The evaluation is done using various prediction error metrics, namely Error, Absolute Error, Squared Error, and Percentage Error. The results of the analysis show that the MA method provides a fairly representative picture of price trends and can be used as an early indicator in short-term investment strategies. Thus, the Moving Average method proves to be a simple but effective prediction tool, especially for novice investors in the dynamic crypto asset market.

Profitability represents a bank's capability to evaluate how effectively its management generates profits. This study seeks to explore and determine the influence of liquidity, capital adequacy, operational risk, and credit risk on bank profitability. The research focuses on banking institutions listed on the Indonesia Stock Exchange over the 2021–2023 period. The study utilizes quantitative data obtained from secondary sources, specifically financial statements published by the respective banks. A total of 32 banks were selected as research samples through purposive sampling. The study adopts a non-participant observation approach, and the data were processed using multiple linear regression analysis. The results indicate that liquidity has a positive yet statistically insignificant effect on profitability, capital adequacy has a significant negative effect, operational risk shows a negative but non-significant influence, and credit risk has a significant negative impact on bank profitability.

This study critically examines the construction and reproduction of authenticity norms and buffer standards in Indonesian TikTok users’ communication practices. Employing Norman Fairclough’s Critical Discourse Analysis (CDA) framework, the research explores how digital expressions—through captions, comments, and hashtags—reflect power relations, algorithmic logic, and social norms that operate subtly yet effectively. An analysis of five popular TikTok contents reveals that so-called “authentic” expression is not spontaneous honesty but rather a curated and performative construct aligned with algorithmic expectations and community aesthetics. The concept of the buffer standard refers to implicit symbolic boundaries that define which expressions are “acceptable” and which risk social or systemic rejection. The study concludes that freedom of expression in digital spaces like TikTok is always a product of negotiation between user agency, algorithmic pressure, cultural norms, and the commodification of identity.  

The use of information technology (IT) in the government sector requires structured risk management to ensure the continuity of public services. The Department of Communication and Information Technology (Dinkominfo), as a digital service provider, faces various potential risks such as network disruptions, hardware failures, and cyberattacks that could interfere with daily operations. This study employs the Failure Mode and Effect Analysis (FMEA) method to identify, analyze, and formulate strategies to mitigate existing IT risks. Through the FMEA approach, each potential failure is evaluated based on its severity, occurrence, and detection capability, which are then used to calculate a Risk Priority Number (RPN). The analysis reveals that the highest RPN values are associated with information system errors, hardware failures, and network overloads. As mitigation measures, the study recommends conducting regular system audits, upgrading network capacity, and performing preventive maintenance on devices. This approach demonstrates that FMEA is an effective method for managing IT risks within government institutions.

Premature ovarian failure (POF) is a condition where the ovaries stop functioning before the age of 40 years, resulting in permanent infertility. IVF with own eggs in POF patients has a very low success rate, so egg donation is the most effective alternative. This review aims to evaluate the effectiveness of using egg donors in IVF programs in women with POF, through an analysis of 20 studies systematically selected from international scientific databases. The results of the study showed that egg donation consistently increased the clinical pregnancy and live birth rates in POF patients, although accompanied by obstetric risks such as gestational hypertension and preeclampsia. New reproductive technologies such as in vitro maturation (IVM), stem cell therapy, and platelet-rich plasma (PRP) also provide additional prospects for restoring ovarian function. In conclusion, egg donation is a major strategy in the management of infertility due to POF, which requires the support of an integrated clinical, ethical, and policy approach.

Global economic uncertainty has significantly impacted financial management, including within governmental institutions such as sub-district offices. This study aims to analyze how green corporate governance can serve as a solution to improve financial risk management at the Muara Enim Sub-District Office in South Sumatra. The research applies a qualitative explanatory approach using meta-analysis and focus group discussion (FGD) techniques. The findings reveal that economic uncertainty triggers high financial risks that cannot be adequately addressed through conventional good governance practices. Green corporate governance, with its sustainability orientation and strategic use of natural resources, emerges as an alternative solution to mitigate financial risk. Environmentally conscious governance practices, such as investment diversification based on local potential and waste management, have proven effective in enhancing financial stability and supporting domestic economic growth. This study recommends the implementation of green corporate governance as a policy approach that is adaptive to economic uncertainty and financial risk at the local government level.

The bodywork industry in Indonesia is under high competitive pressure, requiring companies to be more adaptive in understanding customer behavior in order to maintain business continuity. PT. Bengawan Karya Sakti as one of the national bodywork companies, has not optimally utilized historical transaction data to assess customer loyalty. This study aims to identify customer loyalty segmentation through the application of the RFM (Recency, Frequency, Monetary) method, which is used to analyze sales transaction data in 2022 and 2023. The study uses the CRISP-DM approach which includes the stages of business understanding, data exploration, data cleaning and processing, modeling, evaluation, and implementation of results. The transaction data analyzed includes attributes of transaction date, customer, number of transactions, and transaction value, which are then processed into RFM scores based on the transaction year and classified into categories such as Very Loyal, Loyal, At Risk, and others. The segmentation results show an increase in the number of very loyal customers from 2022 to 2023, as well as a significant decrease in inactive and at-risk customers. The chi-square statistical test shows that the difference in customer distribution between years is statistically significant (p-value <0.05), indicating a real influence from the company's strategy or external factors. The main conclusion of this study is that the RFM method is effective in the bodywork industry to support data-based marketing decision making and more targeted customer retention strategies.

The Simalungun culture, a vital part of the Batak ethnic identity in North Sumatra, is increasingly at risk of marginalization due to the accelerating influence of globalization and national standardization in education. Despite policy allowances for local content (muatan lokal), the incorporation of Simalungun cultural elements into formal schooling remains inconsistent and largely superficial. This study aims to investigate how educational institutions can serve as effective agents of cultural socialization to preserve and transmit Simalungun cultural identity among youth. Employing a qualitative interpretive approach, the research integrates ethnographic observation, in-depth interviews, and discourse analysis of curriculum documents across five Simalungun-majority schools. Data were analyzed using NVivo and interpreted through the lenses of Vygotsky’s sociocultural theory and Bourdieu’s concept of cultural capital. The findings reveal major structural and pedagogical barriers: most teachers lack training in Simalungun traditions, curriculum content is minimal, and student cultural awareness is declining. However, the study also identifies effective practices in schools that involve community elders and use experiential methods, demonstrating improved student engagement and cultural retention. A Cultural Transmission Score (CTS) of 0.46 confirms the limited efficacy of current efforts. The study concludes that formal education systems must move beyond ceremonial inclusion to structural integration of local culture, supported by teacher development and community-school collaboration. These insights offer a scalable framework for strengthening indigenous cultural education in minority contexts.

The mining sector in Indonesia inherently involves high OSH (Occupational Safety and Health) and Environmental risks, necessitating strict adherence to regulations like Ministerial Decree of Energy and Mineral Resources No. 1827/2018 and Directorate General of Mineral and Coal Decree No. 185/2019. PT Putra Perkasa Abadi (PPA) at the Borneo Indobara Site launched the Indobara Pillar Program to optimize SHE (Safety, Health, Environment) performance and achieve "gold category" status. This research aims to analyze the effectiveness of the program's implementation from February to June 2024, and to identify its supporting and hindering factors. As a case study, this research will describe the implementation process, evaluate target achievement, and analyze influencing factors. Despite the program's launch, January 2024 data showed initial challenges: 67% overall program achievement, with only 38% of programs being effective. Key issues included inconsistent monitoring, unsuitable forms, poor synchronization of internal leading indicator data, insufficient understanding among SHE Group Leaders, and suboptimal personal safety awareness. These challenges directly impacted SHE performance targets. In conclusion, this in-depth analysis is expected to identify how the Indobara Pillar Program can be optimized, contribute to OSH/SHE literature, and enhance the company's safety culture comprehensively.

This study aims to evaluate the financial performance of PT. Matahari Department Store Tbk for the 2023–2024 period using financial ratio analysis, particularly profitability and liquidity ratios. The study applies a descriptive quantitative approach, utilizing secondary data from the company’s financial reports. Profitability ratios such as Net Profit Margin, Return on Assets (ROA), and Return on Equity (ROE), along with liquidity ratios including Current Ratio, Quick Ratio, and Net Working Capital Ratio, were used as indicators. The results show a significant increase in profitability ratios, indicating improved operational efficiency and asset utilization. Meanwhile, the liquidity ratios also improved but remained below the optimal level, suggesting that the company still faces challenges in meeting its short-term obligations. In conclusion, PT. Matahari has demonstrated enhanced profitability but needs to strengthen its liquidity position to ensure financial stability.

Abstract. The background to this research is that the trend of non-cash or cashless transactions is increasingly widespread in Indonesia. The Bank is also trying to expand its network sector by providing a number of conveniences when carrying out financial transactions without the need to come to the bank. One of them is transactions via smartphone or M-Banking. However, behind the development of banking and the ease of making transactions via M- Banking, there is also the risk of cyber-based crime or threats, so this research aims to analyze the security of transactions when using M-Banking services. The focus of this research is: 1) What is the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? 2.) What are the efforts to increase security for customers who make transactions via M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? The objectives of this research are: 1) To find out the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office. 2) To find out how efforts to increase transaction security are carried out by Bank Muamalat Indonesia Denpasar Branch Office. The research method that will be used is descriptive qualitative, with data collection techniques through observation, interviews and documentation, as well as data validity techniques through the triangulation method. The research results will be presented in a descriptive manner. The result of this research is that transaction security in M-Banking services carries out risk analysis to detect threats that occur. 1) risks in using M-Banking services can be detected through the risk analysis process carried out by the bank, which includes identification, evaluation and risk assessment, as well as risk management. 2) the improvement efforts made are by managing customer information security in accordance with CIA standards (Confidentiality, Integrity, Availability) so that customers can use M-Banking services safely and comfortably.

The continuous operation of airlock machines in wheat milling facilities plays a critical role in the material handling system, especially in the transfer of grain from ships to silo storage. At PT XYZ, the airlock machine has been identified as the equipment with the highest frequency of downtime over a three-month observation period, leading to significant disruptions in production flow and increased corrective maintenance costs. This study aims to analyze the failure modes of the airlock machine using the Failure Mode and Effect Analysis (FMEA) method and to develop preventive maintenance recommendations based on the highest Risk Priority Number (RPN) values. The research adopts a quantitative descriptive approach, involving field observations, interviews with maintenance personnel, historical breakdown analysis, and machine technical documentation review. The FMEA results indicate that the seal, gear, and bearing are the most critical components, with RPN values of 224, 210, and 192, respectively. These components are prioritized for preventive actions such as regular seal replacement, scheduled lubrication, gear inspections, and motor monitoring. Simulation of the proposed maintenance strategy demonstrates a 66.7% reduction in downtime, from 18 hours to 6 hours per month, and a 43.7% reduction in total maintenance costs, from Rp 9,034,500 to Rp 5,087,500 monthly. These results validate the effectiveness of the FMEA method in identifying risk-prone components and optimizing maintenance planning. It is recommended that PT XYZ institutionalize periodic FMEA updates and establish a cross-functional analysis team to continuously monitor and improve equipment reliability.