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The emergence of the term Financial Technology (fintech) today is one of the changes caused by current developments. Financial technology (fintech) has several types, one of which is payment gateway. Currently, MSMEs in Indonesia have an important role in Indonesia, namely improving its economy and being able to accelerate regional development. The aim of this research is how influential the use of digital payment "payment gateways" is in improving the financial performance of MSMEs, through the findings and views of previous researchers. The method used is the Systematic Literature Review (SLR) method, which aims to find out the results of previous research related to this research. The results of this research show that digital payments "payment gateway" have a positive effect on improving the financial performance of MSMEs.

This research aims to analyze efforts and strategies in establishing inter-church harmony in society during the current pandemic. The current pandemic creates new challenges in maintaining interfaith relations and strengthening tolerance in communities. In this context, churches from various denominations are faced with the need to increase collaboration and mutual understanding. This research uses a qualitative approach by conducting in-depth interviews with church leaders and community members who are actively involved in efforts to establish harmony. Thematic analysis was conducted to identify key patterns in practices that support inter-church harmony. This research makes an important contribution to the understanding of how churches can work together to create harmony in difficult times such as the current pandemic. The practical implications of this research can be a guide for church and community leaders in building harmonious relationships amidst the challenges they face together. The research results show that there are several key factors that support the success of efforts to establish church harmony today. Among these are regular inter-religious dialogue, joint social activities, and an inclusive approach in understanding differences in beliefs.

The mobile technology advancement has been growth rapidly. Every persons use mobile phone to support their daily activities. This condition make banks have to change their traditional methods of customer service to adoption of information technology.Customers today require more personalized services at any time and any place. Mobilebanking is one of advanced information technologies that can employ to achieve a high level of customer services and emerging technology that permits conduct of banking transaction through mobile phone. For bank’s customers, this application will support their banking transaction if they think it has a usefulness and easy to use. The important one is customer trust to mobile banking application. This research purposes to test the effect of perceived usefulness, perceived ease of use and trust to use of mobile banking. A survey was conducted at BSI KCP Medan Kampung Baru Collected data analized with multiple regression analysis. The results of this research show that perceived usefulness, perceived ease of use and trust tend to have effect on use of mobile banking And There are still many customers who make transactions directly to the teller even though there is mobile banking.

. In today's rapidly developing digital era, product marketing strategies for Micro, Small and Medium Enterprises (MSMEs) are becoming increasingly important to compete and develop. Information Systems (SI) have become a very effective tool in helping MSMEs optimize the marketing of their products. This research aims to evaluate strategies for marketing MSME products using IS in the digital era. The research method used is descriptive research with a qualitative approach. Data was collected using the literature method. The results of this research show that the use of IS in marketing MSME products has several significant benefits, such as increasing online visibility, enabling personalization in product offerings, and facilitating interaction with customers via digital platforms. This research provides a more in-depth view of how MSMEs can utilize IS to market their products in the digital era. The practical implication is that MSMEs need to invest time and resources in understanding and implementing IS in their marketing strategies, while also paying attention to the challenges that may arise. In this way, MSMEs can maximize their potential in marketing their products effectively and competing in an increasingly competitive digital market.

. In today's rapidly developing digital era, product marketing strategies for Micro, Small and Medium Enterprises (MSMEs) are becoming increasingly important to compete and develop. Information Systems (SI) have become a very effective tool in helping MSMEs optimize the marketing of their products. This research aims to evaluate strategies for marketing MSME products using IS in the digital era. The research method used is descriptive research with a qualitative approach. Data was collected using the literature method. The results of this research show that the use of IS in marketing MSME products has several significant benefits, such as increasing online visibility, enabling personalization in product offerings, and facilitating interaction with customers via digital platforms. This research provides a more in-depth view of how MSMEs can utilize IS to market their products in the digital era. The practical implication is that MSMEs need to invest time and resources in understanding and implementing IS in their marketing strategies, while also paying attention to the challenges that may arise. In this way, MSMEs can maximize their potential in marketing their products effectively and competing in an increasingly competitive digital market.

The progress of science and technology today is an advancement of human civilization which has an impact on all aspects of life, including the development and increasing diversity of motives and forms of crime. Along with this progress, the business world is also used as a means of committing crimes by criminals, one of which is money laundering which takes advantage of technological advances and system advances in the business world, such as taking advantage of the sophistication and ease of banking transactions and other forms of business activities. . In direct proportion to this, various efforts have been made to prevent and narrow the space for money laundering perpetrators, especially by building a legal system in the business world that can eradicate this white collar crime, both nationally and internationally.

Early childhood plays an important role in forming the basis of development, which involves stimulation of various aspects such as moral religious values, social emotional, language, cognitive, and physical motor skills. The concept of early childhood learning is focused on play, where every activity is designed to be play, so that learning becomes more effective. Parents also need to understand today's children's education to interact with children positively. This research focuses on sentiment analysis of children's education-based app reviews on the Google Play Store, using Random Forest and Logistic Regression methods. The review data is taken from three apps with the theme of child development, namely "About Kids", "PrimaKu", and "Teman Bumil", with a range of review years between 2018 and 2023. The test results show that Logistic Regression has higher accuracy compared to Random Forest, especially in the "About Kids" and "PrimaKu" applications with accuracy above 90%. The conclusion of this research highlights the importance of sentiment analysis in improving understanding of user responses to children's education applications, with suggestions for future research to increase the number of datasets and variations in testing schemes by tuning hyperparameters to improve prediction accuracy and more optimal results.

The use of the internet by students as a means of facilitating their activities and survival through social media has become a trend. The integration between the internet and social networks facilitates online product learning, especially in the context of online shopping. Students' consumption patterns, especially fashion products, have increased in line with their desire to follow the trends of today's young people. Fashion and appearance are the main focus for students, viewing it as an important aspect in showing identity and social status. Students' involvement in using the internet, especially for shopping, has changed their lifestyle significantly. Public consumption trends are influenced by students' online shopping behavior, which is not only based on needs, but also for personal pleasure and lifestyle. This can lead to consumer behavior, where individuals develop purchasing habits to satisfy themselves and increase prestige as a form of demonstrating socio-economic status. E-commerce, as a result of the development of Information Technology systems, has become an important means of meeting consumer needs. Factors such as price, level of trust, time freedom, and product variety influence students' online purchasing intentions. The wide variety of products online is an attraction, while trust is the basis for a mutually beneficial relationship between online sellers and buyers. This research uses a qualitative approach to get an in-depth picture of the impact of e-commerce on student consumption behavior. The research results show that student consumer behavior, especially in terms of online shopping, is influenced by factors such as trust, convenience and security. Trust in e-commerce is a key factor in growing students' buying interest.

Abstact This research aims to examine the role of social media influencers in Generation Z's impulse buying and consumption, focusing on a case study on the Shopee marketplace platform. Generation Z is a significant consumer group in today's digital economy, and social media has become one of the main channels to influence their shopping behavior. The research method used is a qualitative approach, which includes social media content analysis, generation Z interviews, and a survey to generation Z who shop at Shopee. The results of this study reveal that social media influencers have a significant role in influencing generation Z's impulse buying decisions on Shopee. They are able to create a strong shopping impulse through engaging and persuasive content.

Al-Ghazali's views regarding economics and business are not only limited to the philosophical realm, but are a synthesis between realities that occur in a society that has philosophical principles supported by reasonable reasons. Al-Ghazali based his theory on the school of Sufism in relation to business economics, which is reflected in his work, the book Ihya 'Ulum al-Din. Al-Ghazali considered many commercial and economic aspects of society, including the hierarchy1 of utility4 and its characteristics6 in determining social tasks related to welfare (mashlahah). He emphasized that individual behavioral intentions that are in harmony with Divine rules in every economic activity have the value of worship. Apart from that, Al-Ghazali views safety as the ultimate goal. His theoretical ideas about market exchange and growth, activities and hierarchies of production, barter systems and the use of money, the role of the state in creating a just, peaceful, and stable economy, and public financing are all relevant today.  

In today's competitive business environment, there are many companies that look like a single entity when in fact they are made up of several separate companies. Some of these companies conduct business combinations consisting of mergers, acquisitions, and consolidations. In conducting these business combinations, there are regulations that govern, namely PSAK 22 as a result of IFRS convergence. This study aims to further analyze business combinations with IFRS convergence. The research method used is a quantitative engineering approach by focusing on literature review. The results of this study indicate a change in the purchase method to goodwill impairment testing, adjustments to non-controlling interests, and more detailed disclosures.

Hypnoteaching is a new learning method in Arabic learning. Start from the development of hypnoteraphy in a variety of functions and uses such as health, psychological to the field of education which is then called hypnoteaching. This method is a learning method that uses positive suggestions to reach students' subconscious. The innovation of learning methods with hypnoteaching can make Arabic learning more enjoyable. This research is a literature study that seeks to find the literatures that are in accordance with the theme of the discussion then analyzed by descriptive analysis. The results showed that hypnoteaching fulfilled the requirements as a new method in learning Arabic. This is one of the innovations in Arabic learning methods that can be used today. Because this method maximizes students' subconscious, so learning can achieve maximum results with fun learning.

The uniqueness of the Sasak community in preparing for the departure of prospective pilgrims to carry out the Hajj can attract the attention of researchers. So this research attempts to look at the traditions that the community carries out when carrying out the Hajj as well as the implications of the Hajj for the Sasak community. This study uses qualitative research using descriptive qualitative analysis by first collecting data through observations regarding what is happening in society, then conducting interviews. Documentation and individual experience to add data about Hajj. The results of this research show that the traditions before going on the pilgrimage for the Sasak people are still preserved today, because this tradition has existed since ancient times, from the time of our ancestors until now, it has been preserved from generation to generation. like tradition. Begawe, the opening of the pilgrimage, selararan and yasinan. The existence of this tradition has implications for the Sasak community, namely that the community has a stronger sense of solidarity, the community can build its social welfare. And for Hajj pilgrims it will be easy for them to return home.

The reign of Ahab and his wife Jezebel was a time of spiritual crisis in Israel. Ahab did what was evil in God's eyes more than all those who preceded him (1Kgs. 16:30), he worshipped Baal and the gods that caused God's heartache and Elijah, the prophet sent by God in response to Ahab and Jezebel's deeds. Elijah opposed the worship of Baal. Elijah's integrity was seen in the great mission he carried out he followed what God commanded him but God's care for him did not escape God to provide what he needed and to do that God commanded him to bring food to Elijah in his hiding place. The research method used is the analysis of biblical texts, with a descriptive approach of analysis and literature review Descriptive analysis researchers use to describe God's providence to the prophet Elijah during the drought in Israel. Today, man as God's creation often doubts God's providence and is even able to do bad things before Him to fulfill his desires. Through Elijah it can be seen that if we believe and follow what he commands, God will take care of his created life and provide for his needs

With the increasing era of globalization today, competition in the industrial sector is becoming increasingly fierce and competitive. With the development of modern technology for the better but on the other hand raises problems for the environment. Every business actor who wants to win the competition must pay full attention to the quality of the products or services produced, at a low cost, the right time and quantity, and safe conditions. This study aims to analyze and reduce waste of packaging waste at PT XYZ, a manufacturing company engaged in the manufacture of medicines and vaccines. In the last 7 months, there were 1,906 pcs of defective packaging out of a total of 204,940 pcs used. The defects were caused by mold, misprinted information, faded colors, and lack of glue on the packaging. The methods used in this research are Pareto diagram and fishbone diagram. Pareto diagrams are used to identify dominant product defects, while fishbone diagrams are used to identify the causes of defects. It is expected that the results of this research can help PT XYZ reduce packaging waste and improve the quality of their products. By reducing packaging waste, PT XYZ can also contribute to reducing negative impacts on the environment.

The development of the business world has increased rapidly in the modern era like today. This causes intense competition between business actors in developing their products in the face of developments in the business world. Micro, small and medium enterprises or MSMEs now play a very important role in the growth of the economy in Indonesia. Mrs. Maubah's porridge business is one of the MSMEs in Cilegon City, Banten which operates in the food sector. This business can provide jobs for the local community. My mother's porridge business itself is a type of food business which sells various variations of porridge and various other fried foods. This research aims to find out what marketing strategies are implemented by Ibu Majadi's porridge business to increase sales. Carrying out a SWOT (Strength, Weakness, Opportunity, and Threat) analysis in determining the marketing strategy. This research is included in qualitative descriptive research, because it aims to describe the situation of phenomena in the field. Researchers used data collection methods in research, namely observation and interviews. To find out how the strategy is used, the Swot Analysis Method (Strength, Weakness, Opportunity and Threat). From the results of the SWOT analysis, it was concluded that the results of the IFAS (Internal Factor Analysis Summary), for the strength and weakness variables, each obtained a strength value of 1.89, while a value of 1.00 was obtained for weaknesses. This means that the strengths of Mrs. Matahu's porridge business are greater than the weaknesses. Meanwhile, the value obtained for the EFAS (External Factor Analysis Strategy) Matrix was 1.47 for opportunities, while the value for threats was 0.64. This means that for Mrs. Matahu's porridge business, the opportunity value is greater than the threat value. From the results of the SWOT analysis, it was found that Ibu Ma's porridge business has strengths and opportunities so that it will be able to take advantage of existing opportunities. The strategy that must be implemented in this condition is to support the policy of growing aggression.

Today's era of globalization has become one of the media used to express opinions or views. Freedom of opinion, especially on social media, is currently widely misunderstood and abused by the public, because in exercising the right to freedom of opinion, many people carry out actions which result in insults, accusations without evidence and defamation which causes loss, hurt feelings, Mental health even has an impact on suicide situations for certain individuals and groups. The problem in this research is that many social media users give opinions or views that the female artist with the real name Chintya, who is an Indonesian citizen living in Germany or better known as Bunda Corla, is a transgender. This was conveyed clearly on social media Instagram and Tiktok without supporting evidence. This is an activity of defamation, an attempt to influence other people to believe in their opinions or views to the detriment of one party. If we look at the criminal law and violations of the misuse of the right to freedom of expression on social media and the criminal sanctions for criminal acts of defamation under the guise of freedom of opinion, this already refers to 3 crimes, defamation, unpleasant acts and violations of human rights. . Persons involved in defamation cases can be charged with criminal penalties for acts of insult and/or defamation on the internet. Especially for internet users, criminal threats through Article 27 paragraph (3) in conjunction with Article 45 of the ITE Law. Through this provision, internet users can also be subject to coercive measures considering the maximum penalty is 5 years in prison. The method used in research is the literature method, data collection techniques in the form of documentation and observation. Data from observations is in the form of screenshots from social media. The results of this research show that; comments on social media are included in several violations of existing laws in Indonesia, the ITE Law article 45 paragraph 1, the Defamation Law articles 310 and 311 of the Criminal Code; Threat of Criminal Defamation in the ITE Law Article 27 paragraph (3) in conjunction with Article 45. Source of material Instagram, TikTok, primary and secondary law. This research concludes that freedom of opinion is not absolute freedom, but rather, opinion must be in accordance with ethics and norms in society and in accordance with legal regulations without harming any party. and these unpleasant acts can be prosecuted in accordance with applicable legal provisions. Freedom of opinion on Instagram and Tiktok media aimed at Mother Corla has been proven to be defamation.

Lung cancer is one of the most common causes of death today. One case of right lung squamous cell carcinoma with COPD and atelectasis has been reported in a 44 year old male patient. Based on the history, the patient said he had experienced chest pain for 1 week before entering the hospital and had a cough without phlegm or blood. Physical examination revealed dull chest wall percussion at the apex of the right lung and dullness in the left lung field, vesicular breathing sounds in both lung fields and rhonchi in the left lung field. The results of the supporting examination found a mass in the left lung on a chest x-ray and a bronchoscopy examination found a right lung tumor (type?) T3N1M0 Stage IIIA and the results of the anatomical pathology examination showed a picture of non-small cell carcinoma type squamous cell carcinoma. Patients are treated with chemotherapy and symptomatic therapy.

It is hoped that the growth and development of entrepreneurship can reduce the number of unemployed and increase prosperity. The entrepreneurial spirit of today's students has begun to decline because most students who have the mindset of wanting to work for a company do not want to create jobs. Entrepreneurship is the ability and willingness to develop, manage and running a business, including taking the risks involved in it to achieve profits, therefore an entrepreneurial spirit is very important for students. There are very few MSMEs (Micro, Small and Medium Enterprises) nowadays due to people's interest in entrepreneurship and their lack of knowledge or insight into entrepreneurship.As for problems with MSMEs in Indonesia, such as weak business management capabilities, limited quality of human resources (HR), and weak access to financial institutions, especially banking. These businesses usually do not have a bookkeeping system, have difficulty expanding the business scale, and still have limited capital. Therefore, this independent entrepreneurship program can foster an entrepreneurial spirit and improve the quality of SMEs. The independent entrepreneurship program activities launched by the Ministry of Education and Culture are intended to study as well as exploring students' abilities to improve their entrepreneurial spirit and urging students to improve their entrepreneurial skills and make a positive impact on society.

This research delves into innovative methodologies for lesson planning aimed at fostering student engagement and creativity. The study assesses the impact of these innovative approaches on students' active participation and creative thinking. The findings offer valuable insights into effective strategies for educators to cultivate a dynamic and creative learning environment. The research underscores the importance of adopting pedagogical techniques that not only capture students' attention but also stimulate their creativity throughout the learning process. The study contributes to the ongoing discourse on educational innovation, emphasizing the need for adaptable and engaging teaching methods in today's diverse classrooms.   Keywords: ,  ,