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In the era of globalization and rapid development of information technology, communication is a crucial element in supporting the success of organizations, including within the scope of the Student Representative Council (DPM) of the Tarutung State Christian Institute. As a student legislative body, DPM has the task of forming regulations, overseeing the implementation of policies, and carrying out supervisory functions over the executive budget institution. However, communication challenges often hinder the effectiveness of DPM's performance, such as the lack of integrated communication channels, low understanding of organizational communication, and information gaps between DPM, students, and the campus. Therefore, an innovative communication policy is needed, both internally and externally. Internally, this policy must encourage openness, transparency, and collaboration between members. Externally, an effective communication strategy will strengthen the relationship between DPM, students, and the campus, so that the legislative function can run optimally and create a synergistic relationship.

The Independent Curriculum is an approach to global education created to provide more freedom for teachers and students in the learning process. In the context of Christian Religious Education (PAK), the Independent Curriculum is needed to increase student activity through the implementation of learning that is more flexible and in sync with the needs and potential of each student. This research aims to explore the role of the Merdeka Curriculum in increasing students' activeness in PAK learning. Through a more student-centered approach and encouraging active participation, the Independent Curriculum is needed to create a more enjoyable, creative and productive learning atmosphere. The results of this research show that the application of the Merdeka Curriculum in PAK can increase student activity, both in terms of emotional, intellectual and social involvement. Thus, the Independent Curriculum not only places freedom in learning, but is also the key to creating a progressive and effective learning atmosphere.

This research aims to explain the characteristics of cognitive, social and moral development in adolescence and adulthood, by highlighting various factors that influence the dynamics of individual growth at these two stages of life. Adolescence is characterized by significant changes in abstract and logical thinking abilities, which correspond to the formal operations stage in Piaget's cognitive theory. In addition, teenagers begin to develop self-identities and build more complex social relationships. In adulthood, cognitive development shows a shift from purely logical thinking to more reflective and pragmatic thinking, which adapts to real-life challenges. This research concludes that understanding the characteristics of cognitive, social and moral development in adolescence and adulthood is very important in supporting optimal individual development. The results of this research can be a reference for educators, counselors and parents in providing guidance and support in accordance with individual development needs at each stage of life.

The phenomenon of childfree has become an increasingly discussed topic in Indonesian society, especially after public figures like Gita Savitri openly expressed their decision not to have children. This phenomenon is related to various factors, including past trauma, concerns over overpopulation, economic instability, and the evolving mindset of Generation Z, which is more realistic and focused on personal freedom. However, the decision not to have children also presents challenges, especially from a religious perspective, particularly Islam, which teaches that having offspring is both a blessing and an obligation. This research aims to analyze the childfree phenomenon from an Islamic perspective by examining the principles of Sharia and the relevance of childfree to fiqh rulings such as ‘azl. The research findings indicate that while childfree contradicts religious views on the obligation to have children, the phenomenon can still be understood within the framework of reproductive rights granted to married couples in Islam. This study is expected to provide a deeper understanding of the childfree phenomenon and its relationship with Islamic principles.

This study examines the integration of science and religion based on Quranic verses at MTs Raudlatul Hasaniyah Mojolegi Gading Probolinggo, focusing on the Big Bang theory, embryology, and atmospheric layers. The research investigates how the school implements this integration through training and seminars involving academics, scholars, scientists, and teachers. The aim is to provide deeper insights to educators, students, and the surrounding community about the relationship between scientific discoveries and religious teachings, especially as reflected in Quranic verses. The findings suggest that integrating science and religion enriches students' understanding of both the natural world and the greatness of God, showing that science and religion can complement each other. This approach helps teachers incorporate scientific concepts with religious teachings, fostering a more holistic and contextual understanding among students.

The relationship between Islam and democracy has been a complex and often debated topic, particularly in Muslim-majority countries. This research aims to explore the compatibility between Islamic principles and democratic values using Indonesia as a case study. As one of the largest Muslim countries in the world, Indonesia offers a unique context in integrating religious teachings with the modern democratic system. Through qualitative methods that included a Google Form-based survey and a literature review of academic articles and journals, this research found that the majority of respondents (70%) believe that democratic values are in line with Islamic teachings, such as justice, deliberation and equality. However, the research also identified a number of challenges that Indonesia faces in harmonizing the two concepts. The main challenges include differences in the interpretation of Islamic law, difficulties in balancing sharia law with secular law, and the issue of political pluralism. In addition, factors such as intolerance, radicalism and identity politics often become obstacles in creating harmony between religious and democratic values. Despite these obstacles, Indonesia has made significant progress through moderation, strengthening civil society, and successfully managing religious and cultural diversity. Local traditions such as deliberation, gotong royong and pluralism provide a strong foundation for building an inclusive democratic system. This approach is not only relevant for the Indonesian context, but can also serve as a model for other Muslim-majority countries seeking to integrate religion and democracy. This research offers a new contribution to the understanding of the dynamics of the relationship between Islam and democracy, and highlights the importance of civil society strengthening, pluralism education, and the adaptation of religious values in the context of modern democracy. With the results obtained, this research is expected to be a reference for other Muslim countries in creating harmonious and sustainable political governance.

Interfaith marriage is a complex issue with far-reaching legal, religious and social implications. This research analyzes the role of Islamic law in addressing interfaith marriage, focusing on the dynamics between harmonization and conflict. Through a literature review and survey, this research identifies the factors that influence the acceptance or rejection of interfaith marriage from an Islamic perspective. According to the questionnaire survey results, the majority of respondents rejected interfaith marriage absolutely, reflecting the strong traditional views in the Muslim community. However, there are also groups that allow these marriages under certain conditions, such as one of the couple converting. This shows the plurality of views in Islamic society regarding the issue of interfaith marriage. This shows the dynamics between religious norms and complex social realities in the context of interfaith marriage globally. Although Islamic law generally prohibits interfaith marriage, social practice shows that there are variations in its application.

The findings highlight the need for faith-based hygiene education and community involvement in hygiene practices to improve physical and spiritual health among Muslims. This study used quantitative methods with data collection instruments in the form of questionnaires. The number of respondents in this study was 31 people from various backgrounds. The selection of this method aims to objectively measure the increase in community participation in environmental cleanliness and its relation to the Islamic understanding that cleanliness is part of faith. This method was chosen to provide a clear picture of respondents' perceptions, appreciation, experiences, and assessments of aspects of environmental cleanliness and religious understanding.  The study found that the majority understood cleanliness as part of faith. These results emphasize the need for faith-based hygiene education and community participation in hygiene practices.  

This research aims to determine the effect of working capitaI financing on creditors' business income at Bank Syariah Indonesia KCP BIangpidie Kuta Tuha, Southwest Aceh Regency. Working capitaI financing is financing to meet increasing production needs both quantitativeIy and quaIitativeIy, and for trade purposes or increasing the utiIity of an item. Of course, higher operating income is expected by every customer who seeks to encourage business deveIopment. This research concerns working capitaI financing to creditor income using probabiIity sampIing techniques; simpIe random sampIing, where the researcher provides an equaI opportunity for each member of the popuIation to be seIected as a random sampIe without paying attention to the strata in the popuIation itseIf, so the sampIe in this study was 60 peopIe from a totaI of 150 customers. The method used in this research is the simpIe Iinear regression method. Based on the research resuIts obtained that the vaIue of tcount > ttabIe (5.035 > 1.672) and the significance vaIue is smaIIer than the significance IeveI (α) of 0.05 (0.000 < 0.05), then the hypothesis states that there is a significant positive infIuence on the capitaI financing variabIe work on creditors' business income at Bank Syariah Indonesia KCP Kuta Tuha, BIang Pidie District, Southwest Aceh Regency. This shows that working capitaI financing is reIated to creditors' business income at Bank Syariah Indonesia KCP BIangpidie Kuta Tuha, Southwest Aceh Regency.

 The Effect of Leadership and Competence on Employee Performance at the Tanralili District Office, Maros Regency. Thesis Management Study Program of the Indonesian Institute of Education Management (STIM-LPI) Makassar, supervised by Dr. Andi Irfan, SE., M.Si and Dr. Amiruddin, S.Ag., M.Ag This research is to determine the effect of leadership and competence partially and the joint influence between leadership and competence on employee performance at the Tanralili sub-district office, Maros Regency. The object of this research is the tanralili sub-district office in maros district. The type of research used is quantitative research by distributing questionnaires via google from. The sample amounted to 32 civil servants. The results of this study indicate that the partial test of Leadership has a significant effect of 0.001 or below 0.05 while Competence also has a positive effect, while simultaneously has a significant effect of 0.001 <0.0 with an F value of 48,243.

Purpose: direct significance test of institutional and managerial ownership and independent board of commissioners on company performance. Method: through a quantitative approach with a population of 70 companies JII70 in 2021-2023, data was determined based on purposive sampling of 144 data processed, analyzed by regression. Results: Institutional ownership and independent board of commissioners proved to be significant in the same direction in growing company performance, but managerial ownership had no impact or contradicted agency theory. Future research: adding other determinants of company performance from both micro and macro perspectives.

The purpose of this research is to determine the influence of accounting information systems, internal control systems and work motivation on employee performance at PT. Selalu Cinta Indonesia. The research location is at PT. Selalu Cinta Indonesia Semarang. Analysis tools use data reduction, presenting data, and verifying conclusions. The analysis method used is multiple linear regression. Hypothesis testing uses a 5% degree of freedom. The results of the reliability and validity tests show that all question items are reliable and the constructs are valid, besides that the regression meets the model fit. The research results showed that the Accounting Information System (X1) had a significant positive effect on employee performance (Y). Internal Control (X2) has a significant positive effect on employee performance (Y). Work motivation (X3) has a significant positive effect on employee performance (Y).

This research aims to determine the effect of the human development index and economic growth on unemployment and poverty in Aceh. This research uses secondary data with a time series of 2013-2022 with the scope of Jogjakarta province. This research model uses a path analysis model using the Eviews application. The results of this research show that the number of labor force directly has a positive and insignificant effect on the level of poverty. The human development index directly has a negative and significant effect on the poverty level The number of labor force directly has a negative and significant effect on the unemployment rate. The human development index directly has a positive and significant effect on unemployment. The poverty level directly has a positive and insignificant effect on the unemployment rate. Indirectly, the number of labor force has a negative and insignificant effect on unemployment through poverty. Indirectly, the human development index has a negative and insignificant effect on unemployment through poverty.

Blessings in the business world are a concept that describes sustenance that is not only abundant in material aspects, but also provides positive impacts, peace, and goodness for business actors and the wider community. This study aims to investigate the blessings experienced by producers in milling cassava flour at UD Mulyo, a business that focuses on processing cassava flour raw materials and realizing producer blessings through employee and community welfare and environmental empowerment. By applying a descriptive qualitative approach, data were obtained through in-depth interviews and observations, which were then analyzed thematically. The research findings show that blessings in UD Mulyo's business are realized through the application of Islamic values, such as honesty in business management, maintaining product quality, and a commitment to improving the welfare of employees and the surrounding community. UD Mulyo not only contributes to the economy through job creation and increasing community income, but also creates social benefits through harmonious cooperation with the local community. This study confirms that blessings in business go beyond material benefits, but also include spiritual values, social balance, and business sustainability.

With technological innovation in the financial sector (Fintech), the development of digital technology has brought great changes to the financial industry. However, behind these advantages, there are challenges that need to be overcome, one of which is data security and user privacy which is a major issue that must be faced by the financial industry. This study aims to see how regulations help the digital transformation of Indonesia's financial industry (fintech). This study is a qualitative research, in accordance with the object of study, this type of research falls into the category of library research.Regulation of the financial technology (fintech) sector is borne by many parties, including the government, non-governmental organisations, and industry players. In Indonesia, institutions such as the Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI) are responsible for shaping fintech policies and regulations.Regulations serve as a strong foundation to drive digital transformation in the financial industry. Flexible and inventive regulations protect consumers and encourage profitable investments for industry players. A clear legal framework allows financial institutions to innovate and produce financial goods and services that better suit the needs of society.

In Indonesia, many people own motorized vehicles but the tax distribution is still low. This shows that people are not obedient in making taxpayer payments. This research was conducted to find out and analyze how the compliance of taxpayers in Rumbai Subdistrict in increasing motor vehicle tax revenue. The research method used is a descriptive qualitative approach. However, there are still challenges in terms of socialization and public awareness of motor vehicle tax payments. Therefore, further efforts are needed in improving technological infrastructure and educational campaigns so that taxpayers can be more optimal in supporting effective and efficient public services. Because the higher the level of taxpayer compliance, the higher the local revenue will be obtained.

This research aims to measure the accelerated level of understanding of Islamic Banking students at STAIN Mandailing Natal regarding Islamic banking systems and products through online media. The method used is a quantitative descriptive approach with primary data analysis. The research results show that students' understanding has increased significantly, as measured through pre-test and post-test. The average pre-test score was 56.47, while the post-test reached 62.82. The post-test t-value of 4.462 exceeds the t-table of 1.740 with a significance value of 0.000, which shows the results are significant at the 5% level. These findings indicate that learning through online media is effective in increasing students' understanding of sharia banking systems and products. It is hoped that this research can contribute to the development of learning methods in the field of sharia banking.

The cross – border fintech payment industry faces many cybersecurity issues, including the possibility of data theft, fraud and low efficiency due to reliance on conventional intermediaries. Based on decentralized and cryptgrahpic system, blockchain technology can improve the security and efficiency of cross – border payments. The purpose of this study is to see how the implementation of blockchain affects the transparency, speed and cost of transactions. Using literature studies and case analysis, it was found that blockhain technology can reduce the risk of fraud by making institutions transparent and immutable. In addition, it allows for automated payments through smart contracats, scalability, regulation and technology adoption are some of the challenges that still hinder its implementation. The results of the study show that blockchain is an innovation strategy that has the potential to transform payments across the fintech sector, but it requires synergy between technology, policy and industry players for optimal implementation.  

Financial literacy is an individual's ability to understand, analyze, and use financial information to make effective decisions. In the context of Islamic finance in Indonesia, low financial literacy is a major challenge in increasing financial inclusion. Islamic mutual funds, as one of the sharia-based investment instruments, offer an opportunity to bridge the gap between financial literacy and inclusion. Islamic mutual funds have the advantages of transparent sharia principles, wider accessibility, and diversified risks. This study aims to explore the role of Islamic mutual funds in increasing public financial literacy while encouraging Islamic financial inclusion. The methodology used includes secondary data analysis, surveys, and interviews with stakeholders, such as financial industry players, regulators, and the community. The results of the study show that education about Islamic mutual funds can consistently increase public understanding of Islamic financial products. In addition, Islamic mutual funds also have the potential to expand public access to Islamic financial services, especially among the younger generation and underserved groups. Integration of financial literacy programs based on sharia mutual funds with the support of regulations and digital technology can be a strategic step to strengthen the sharia financial ecosystem in Indonesia, thereby supporting more inclusive and sustainable financial inclusion.

This study compares the financial performance of three manufacturing companies in Indonesia, namely PT Intan Wijaya International Tbk, PT Duta Pertiwi Nusantara Tbk, and PT Madusari Murni Indah Tbk, during the 2019-2023 period. The analysis was conducted using liquidity, activity, solvency, profitability, and market ratios to evaluate the financial health of each company. The results show that PT Duta Pertiwi Nusantara Tbk excels in liquidity ratios (average current ratio of 3.92 and average quick ratio of 3.48) as well as operational efficiency on average age of receivables (46.06 days) and inventory turnover (17.68 times). Meanwhile, PT Madusari Murni Indah Tbk has the highest solvency ratio (average TIE of 48.2% and average Fixed Charge Coverage of 8.2), although its debt-to-asset burden is also greater (debt ratio of 33%). On the other hand, PT Intan Wijaya International Tbk performed best on profitability (average ROE of 61.4%) and effectiveness of total asset utilization (average total asset turnover of 0.91). However, all three companies face the challenge of ratio fluctuations due to the impact of the COVID-19 pandemic. This study is expected to provide important insights for stakeholders in making strategic decisions, as well as contribute to the literature of financial performance analysis of the manufacturing sector.