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This study investigated the role of financial literacy and social influence in the actual usage of digital payment as a fintech service systems in an effort to gather information and the degree of risk that users will experience, taking into account the advantages received. This study utilized a descriptive qualitative strategy coupled with a literature review method for data collection, namely the acquisition of data from publications and journals pertaining to the usage of digital payment systems. The data analysis technique employs the approach of deriving conclusions by objectively, systematically, and generally recognizing the many specific qualities of a message. The findings indicated that financial literacy and social influence have a substantial impact on the utilization of digital payment systems. The usage of digital payment services as a type of risky financial behavior raises knowledge and comprehension of financial goods, which will affect judgments on whether or not to utilize these products. This study is limited to a literature review and paves the way for future empirical studies to analyze the elements and dimensions of financial literacy and social influence in the usage of digital payment services in more depth.

The purpose of this research is to examine 1. What factors attract foreign buyers to import cashew nuts from Indonesia?.2. What are the obstacles faced by foreign buyers in the process of importing cashew nuts from Indonesia?.3. What are the stages of the process carried out by buyers to import cashews from Indonesia?.4. What is the solution to these obstacles? This research was made using a qualitative descriptive analysis type of research regarding the marketing process of the cashew nut export sales business. (2) Currency differences. (3) Obstacles in the Form of Regulations. (4) International trade barriers are seen from economic institutions, namely: The influence of economic organizations, Anti-dumping regulations that increase import duty rates, Embargoes related to the prohibition of trade between countries. What is the solution to these obstacles? (1). Solution for difficult payments, by L/C. (2) The solution when the currency, using the USA currency or by agreement, is exchanged to the value of the destination country. (3) The solution to obstacles in the form of regulation, is to instinctively follow market trends. (4) Solutions to barriers to economic institutions, exporters take advantage of facilities from countries that are members of economic organizations, export at competitive prices, and resolve trade embargo issues between countries.

This study aims to analyze the comparison of stock prices and volume at PT. Kalbe Farma Tbk before and during covid-19 pandemic. Type of this research used is descriptive quantitative analysis. Data analysis techniques using Paired Simple T-Test with SPSS 25. Based on the results of the Paired Sample T-Test on the stock price of PT. Kalbe Farma Tbk can be concluded that the significance value is 0.733 (p > 0.05). So Hi is rejected, Ho is accepted, which means there is no significant difference to the stock price of PT. Kalbe Farma Tbk, before and during the covid-19 pandemic. Based on the results of the Paired Sample T-Test on the stock volume of PT. Kalbe Farma Tbk can be concluded that the significance value is 0.043 (p < 0.05). So, Hi is accepted, Ho is rejected, which means that there is a significant difference in share volume.

This study aims to analyze how the credit sales accounting information system at PT Harpindo Jaya Gubug. This type of research is a qualitative descriptive research. Data were obtained using interview, observation and documentation techniques. The data analysis technique used in this study was descriptive analysis with a qualitative approach. The results of this study state that there is a dual function in the billing section and the accounting department. The credit sales accounting information system document at PT Harpindo Jaya Gubug Grobogan Regency is in accordance with the theory. The company has utilized information technology so that credit sales processing is computerized. Accounting records at PT Harpindo Jaya Gubug need to be repaired by making warehouse cards, inventory cards, accounts receivable cards. While the procedure network that forms the credit sales accounting information system at PT Harpindo Jaya Gubug needs to be improved, namely by having the procedure for recording the cost of goods sold and the procedure for recording receivables.

This research aims to examine the influence of hedonistic style, spiritual intelligence, and financial literacy on students' personal financial management   at   the   Faculty   of   Economics,    Indonesian   Christian University,  Toraja.  This  research  utilizes  quantitative  methodologies. There  are 1,845  students  enrolled  in the Faculty  of Economics  at the Indonesian Christian University Toraja. The Slovin formula was applied to 95 individuals as research samples. Primary data and secondary data are the types of data that are used, and the SPSS version 25 program is used to manage them. Questionnaires  utilizing the probability sampling approach, proportionate  stratified random sampling, are among the data collecting methods. This research employs instrument test, classical assumption test, multiple linear regression analysis, and hypothesis testing as data analysis approaches. At a significance level of 5%, the results of the  study  indicated  that  financial  literacy  did  not  have  a  significant positive influence on the personal financial management of students, whereas the hedonistic  style variable had a positive but non-significant effect. Spiritual intelligence has a beneficial and significant impact on the financial management of pupils. Styles of hedonism, spiritual intelligence, and financial literacy all have positive and significant effects on personal financial management, as evidenced by the estimated F value of 32.210, which is more than the F table value of 2.705 and has a significance level of 0.000 less than 0.05.

This study aims to determine the terms educators contained in the Qoran. The results of this study is expected to add new perspectives and knowledge insights about educators contained in the Koran. This type of research includes library research, with using the thematic method (mauḍū'ī), which is to collect verses from the Qoran about educator terms. The approach used in this research is the science of tafsir, which is trying to see the term educator in the Koran which is interpreted by commentator. While the data collection technique uses the documentation technique from primary data sources in the form of Qoranic verses, plus secondary data sources in the form of tafsir books, and other supporting books related to with the object of research. The collected research data is then analyzed using the content analysis method through several methods step that is; maudhu’i (verse on the term educator), tahlili (verse analysis), muqaran (comparing the meaning of verse), and interpretation (make conclusion meaning of the verse). The results of this study indicate that there are terms educators in the Koran, namely: Murabbi, Mu'allim, Mudarris, Muzakki, Mursyid, Mudabbir, Mutli, Muwa’izd and Da'i.

This study aims to analyze the comparison of financial performance between conventional commercial banks and sharia commercial banks in Indonesia. This research is a type of descriptive research with a quantitative approach. The population taken in this study are commercial banks registered with the Otoritas Jasa Keuangan (OJK). Sampling in this study was conducted using purposive sampling technique so that a sample of 11 conventional commercial banks and 9 sharia commercial banks was obtained. The data used is secondary data obtained from the published annual reports of each commercial bank registered with the Otoritas Jasa Keuangan (OJK) during the 2016-2020 period. The data in this study consists of financial ratios Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin/Net Operating Margin (NIM/NOM), Operating Costs to Operating Income (BOPO), and Non-Performing Loans/Non-Performing Financing (NPL/NPF). In this study, data analysis was carried out using descriptive statistical analysis and the two-sample independent test of non-parametric statistics, namely the Mann Whitney test. After analyzing the data, the results show that there are differences in the financial performance of conventional commercial banks and sharia commercial banks as measured by the ratio of ROA, ROE, NIM/NOM, BOPO and NPL/NPF. In general, the financial performance of conventional commercial banks is better than that of Islamic commercial banks.  

 Assessment of food consumption can be used to determine the amount and source of nutrients eaten. This can help show the supply of nutrients in the body that is sufficient or less regular with balanced nutrition that supports stamina and body health, especially for children. This habit supports physical and mental growth. Familiarizing children with healthy eating patterns is easy. Many parents complain about their children's poor eating habits, such as refusing to eat rice complete with side dishes, choosing only sweet foods or refusing to eat the same for various reasons. Of course it makes parents worry about the development of the baby (Luchan, 2014). The results of the research obtained, can be seen from research on 32 respondents about the relationship between diet and nutritional status in toddlers aged 1-4 years in Huta III Village Tanjung Pasir Simalungun Regency can be drawn as follows: Based on the largest frequency of eating respondents have a good frequency of eating as many as 25 people (78.12%), respondents have a frequency of eating that is not good that is 7 people (21.88%). Based on the portion of food the majority of respondents had a good portion of food, namely 21 people (65.62%), the portion of food that was not good was 11 people (34.38%). Based on the main food, respondents have a good type of food, namely 19 people (59.38%) and 13 people (40.62%).

Generally, people use the everyday language that they apply in their surrounding environment and it is not uncommon for the use of Indonesian to be tucked into their native language and foreign languages. This research only focuses on finding and determining the amount of code mixing used when reading short messages by broadcasters from RIS FM radio listeners. According to Suardi, there are 3 types of code mixing, namely inner code mixing, outer code mixing and hybrid code mixing. This research is a literature study so it does not require a special location for the research. This study aims to identify and describe the use of code mixing in the reading of short messages by broadcasters from RIS FM radio listeners. Based on the research results obtained from the tape recorder and notes, it was found that there was internal code mixing, external code mixing, and mixed code mixing in the form of words and sentences.

Feasibility study is the tool that is able to be consideration materials in making the decisions to receive or reject the investment proposed in developing or establishing the project/business planning. The research about analysis of business feasibility, instead of to know whether it is feasible or not of the value of investment criteria, it is also to know the amount of investment funds that needed, the existing market share, and any constraints that will be possible to occurs in the process of establishing that type of business. As for the objectives that will be obtained from this research is to conduct the analysis of business feasibility as viewed from several aspects, that are financial aspect, and social aspect.

Almost all surgeries cause pain, the pain that is felt is the result of the incision. The effects of pain that do not subside are myocardial ischemia, increased morbidity, and hopelessness. One intervention to relieve postoperative pain is Spiritual Emosional Freedom Technique (SEFT). The purpose of this case study is to describe the reduction in pain scale of postoperative patients in Nusa Indah Room TK.III 04.06.02 Bhakti Wira Tamtama Semarang Hospital after SEFT intervention. This type of research is descriptive using a case study approach. The subjects in this study were 2 postoperative patients with criteria of moderate to high pain. Analysis of pain measurements using the Numerical Scale Branch scale. The analysis showed that there was a decrease in pain scale after the intervention. On subject 1 the pain scale 7 (high pain) became the pain scale 4 (moderate pain) and subject 2 the pain scale 8 (high pain) became the pain scale 4 (moderate pain). Effective SEFT therapy is used to reduce postoperative pain in the room because it is easy and simple. Good therapy is applied by nurses in the room to reduce the scale of pain in postoperative patients.

This study aims to determine the ability to write narrative texts of class X students of SMA Rahmat Islamiyah Medan. This type of research is quantitative research with a Quasi Experimental Design approach. The data collection technique is the test. The data analysis technique used was a paired simple test with a different test. The results of this study, namely: that from the results of the pretest test that has been obtained by class X SMA Rahmat Islamiyah Medan with an average pretest score of 71.14% and an average posttest score of 82.03%. The calculation of the t-test on the posttest tcount (48,836) > ttable (2,052) which means that there is an average difference in the posttest and pretest scores. The increase in pretest-posttest is 11%, which means that the working hypothesis (Ha) in this study is accepted and the null hypothesis (Ho) is rejected.

The purpose of this research is to analyze and prove the effect of cash flow reports to assess financial performance at the Pintu Air Savings and Loans Cooperative, Akkareso Makassar Branch. The type of data used in this research is quantitative data, namely data that is a collection of numerical data. The research results show that cash flow in 2019 was obtained at a value of 29,409,800 and in 2020 it obtained a value of 28,115,300. In 2021 it produces a value of 39,201,500, an increase of 139.28% from 2020. The results of the liquidity ratio, namely the current ratio, in 2019 obtained a value of 201.26%, in 2020 it obtained a value of 212.70%, in 2021 it produced a value of 213 .00%, while the cash ratio in 2019 was 28.16%, in 2020 it was 22.51%. In 2021 it produces a value of 25.59%. For the profitability ratio, namely ROE in 2019, it obtained a value of 45.25%, in 2020 it obtained a value of 26.10%. In 2021 it produces a value of 19.89%. Meanwhile, in 2019 ROE was obtained at a value of 46.99%, in 2020 it obtained a value of 22.88%. In 2021 it produces a value of 19.12%.

Tourism villages provide freedom for the community to manage their hometown in accordance with village authenticity. Among the several tourist villages in Semarang Regency, one of them is Jembrak Tourism Village. This village is located in Jembrak Village, Pabelan District, Semarang Regency, Central Java Province. This research aims to examine the involvement of local communities in the development of tourist villages and to formulate a tourism village development model that prioritizes local community participation. The method chosen by the researcher is a type of qualitative research method. The focus in this research is on community participation in the development of Jembrak village. The time needed for this research starts from January to March. The data collection method used in this research is by observing, interviewing, and documenting. The results and discussion obtained in this study include an overview of the Jembrak tourism village and an analysis of local community participation in the development of a tourist village.

Learning outcomes are indicators of success in learning, learning outcomes are closely related to activity, namely if student learning activities are good then learning outcomes will be good, so that activeness and learning outcomes are important to have, but the reality in school learning outcomes and student activity is low, this is because the model and the media used does not facilitate active students in learning which has an effect on learning outcomes, one solution to the problem of the media and the module is the use of the quiz team model assisted by the lectora inspire. The purpose of this study was to determine the effect of the Quiz Team model with the help of Lectora Inspire on learning outcomes and activeness of class X. The design of this study was a pretest - posttest control group design with a quasi-experimental type. The sampling technique using cluster random sampling was obtained X MIA 1 as the experimental class and X MIA 2 as the control class. Hypothesis testing using MANOVA obtained sig 0.00 < 0.05, meaning that there is an effect of the Quiz Team model assisted by the Lectora Inspire media on learning outcomes and student activity.

In the era of technological and information development that is all sophisticated and modern, let's call it the era of industry 4.0 which is currently taking place and will also lead to the era of society 5.0, of course, making the use of the internet and technology a primary need. It cannot be denied that there are positive and negative impacts from the use of the internet and technology, moving from the negative impact that has started to make people behave individually. Lack of care and intolerance among others, the main purpose of this paper is to analyse the concept of Pancasila education as a national character education in the midst of the current era. The research in this paper uses qualitative research methods, with descriptive analytical research type, with data collection techniques using literature review. The results of this study indicate that Pancasila education as a national character education is certainly a character formation starting from the practice of Pancasila values ​​for the millennial generation in all aspects of social, national and state life. This can certainly be done well if the strengthening of the cultivation of Pancasila values ​​is carried out both in the family environment and in the world of education or even introductory socializations that can be carried out so that the millennial generation does not lose direction, it can actually better understand the values ​​of Pancasila itself.

Traditional family medicinal plants or herbs or often abbreviated as Toga, are very beneficial for health and when planted around the house create a beautiful environment. Currently, people prefer to use chemical-based medicines for several reasons, including: the first is the lack of knowledge about medicinal plants, the second is the limited land for growing family medicinal plants, third, the lack of information dissemination about family medicinal plants on easily accessible media. or informative to citizens.From some of the problems above, we can draw the main points of the problems that are discussed and this writing tries to find ways to provide education to the community in terms of the types of family medicinal plants, as well as the design and implementation of the construction of the toga garden.The scope of this paper is related to the author's discipline, namely in the architectural realm and takes a case study on an empty land next to a security post located in RT 08, RW V, Sumurboto Village, Banyumanik District, Semarang.The purpose of writing related to knowledge of the types of family medicinal plants, toga garden designs and their implementation are: first so that people know about the types and benefits of family medicinal plants, second so that people understand the importance of family medicinal plants for health, third so that people maximize and utilize the land. that exist in their respective environments.

This study aims to: (1) analyze and find the ratio of the decision of the Constitutional Court Decision Number 49/PUU-X/2012 concerning the annulment of Article 66 paragraph (1) UUJN-2004, (2) the legal impact of the Constitutional Court's decision no. 49/PUU-X/2012 Against Legal Protection for Notaries. The type of research is normative law. While the research approach used, namely: Legislation, contextual approach, and case approach, as well as a comparative approach. The legal materials used in this study are primary legal materials and secondary legal materials. While the analysis of legal materials using qualitative analysis. The results of the study show that: (1) The ratio decidendi of the cancellation of Article 66 paragraph (1) of Law Number 30 of 2004 concerning the Position of Notary Public is based, that the article is not in accordance with the principle of equality before the law (equality in law) for every citizen. There is the approval of the Notary Honorary Council, not in accordance with the sense of justice and the criminal law enforcement process, as well as the principle of an independent judicial power; (2) Legal Impact of MK Decision No. 49/Puu-X/2012 Regarding Legal Protection for Notaries, the notary loses his special rights, namely summoning a Notary in the case of interest in a criminal examination does not need to obtain permission from the Regional Supervisory Council as stipulated in the provisions of Article 66 of the JN Law, this is for guarantee legal certainty and responsibility for the deed issued.

The purpose of this study is to describe: (1) the figurative meanings contained in the lyrics of Nidji's song; (2) the imagery contained in the lyrics of the song Nidji; and (3) the application of Nidji's song lyrics in learning to identify the elements of poetry in class X SMA. The data collection of this research was carried out using the observation method. The data analysis of this research is content analysis. The results of data analysis are presented with informal techniques. Based on the data and discussion, it is concluded that (1) the figurative meanings contained in the lyrics of the Nidji song include (a) hyperbole figure of speech which serves to exaggerate the situation when someone is in love. His heart blossomed and everything became beautiful; (b) association figure of speech serves to describe different vibrations when falling in love with millions of feelings; (2) The types of imagery in Nidji's song lyrics consist of (a) auditory images found in the lyrics "I hear the singing of a thousand gods and goddesses of love" and "Echoing the world", (b) visual images found in the lyrics "I see the sun will come to me” and “I see the moon will come to me”, (c) the motion images found in the lyrics “Come to me, hug me dearly” and “The moon will come to me”. (3) The application of learning using Nidji's song lyrics is in accordance with basic competencies 3.17 Analyzing the elements of poetry building. The method used is Discovery Based Learning with learning steps which include the following: greeting and motivation, apperception, division of study groups, analyzing Nidji's song When I Fall in Love based on figurative and imagery elements, presentations, and concluding learning activities.

This study aims to discuss the hidden meaning in the text of the poem "Padamu Jua" by Amir Hamzah through discussion and exposure in terms of Hermeneutics and also examines interesting diction in the text of the poem. The hermeneutical theory is used to interpret the meaning of the poem. This study also uses a descriptive qualitative research model. The data subject of this study is a literary work of poetry with research data in the form of quoted words whose meaning and diction are analyzed using a hermeutical approach. Diction is word choice. That is, we choose the right words to convey an idea and accuracy. The role of diction in poetry is very important because in poetry words are everything. In fact, for the type of imaginary poetry as stated by Sapardi Djoko Damono. The data collection technique in this article is the first to analyze the meaning of perbait with a hermeneutical approach, the second to analyze and look for the interesting diction in the poem "Padamu Jua" by Amir Hamzah and the third to present the data results in descriptive form.