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Risk control mechanisms in murabahah and mudharabah financing are implemented to anticipate potential risks arising from the customer's position. The objective is to uphold sharia principles while ensuring that the mitigation efforts by Sharia Rural Financing Banks (BPRS) provide advantages for both the bank and the wider community, particularly the customers. This qualitative case study investigates BPRS Madina in Yogyakarta. The findings reveal that BPRS Madina adopts several approaches to mitigate risks in murabahah and mudharabah financing. First, it verifies the completeness of financing documents using available data sources. Second, it checks for any history of problematic financing by the customer. Third, when necessary, the bank conducts restructuring to minimize risk. Additionally, BPRS Madina carries out risk control measures based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah Financing and No. 07/DSN-MUI/IV/2000 on Mudharabah. While Islamic financial institutions do not inherently require guarantees in financing, they are permitted to request collateral to prevent losses. This collateral is not intended to ensure full compliance with the contract terms but rather to safeguard the return of the capital provided. Lastly, the risk management strategies employed by BPRS Madina for murabahah and mudharabah financing are deemed effective, as less than 1% of customers currently encounter issues, and operational risks remain well-managed.    

This region faces significant legal and geopolitical challenges due to the maritime conflict in the South China Sea, particularly China's unilateral claims over vast areas based on the Nine-Dash Line. This essay evaluates the direct impact of China's claims on Indonesia's sovereign rights, particularly in the North Natuna Sea, while critically examining the legitimacy of those claims in the context of the United Nations Convention on the Law of the Sea (UNCLOS) 1982. It is clear from legal precedents such as the 2016 ruling of the Permanent Court of Arbitration (PCA) that the Nine-Dash Line is baseless under UNCLOS, which rejects historical claims as a legitimate basis for maritime rights. China's claimed maritime borders have included portions of Indonesia's Exclusive Economic Zone (EEZ), which has resulted in frequent incursions by Chinese coast guard and fishing vessels. This has put Indonesia's maritime sovereignty, national security, and marine-based economy at risk. Indonesia has responded with a multi-pronged approach that includes deploying maritime forces to exert sovereignty over the disputed waters, strengthening domestic law in accordance with UNCLOS, and submitting diplomatic protests to the UN. Additionally, Indonesia is still pushing through ASEAN procedures for a regional code of conduct that is legally obligatory. The results highlight the international legal foundation of Indonesia's legal and policy responses and uphold UNCLOS's dominance as the main legal framework for maritime governance and dispute settlement in the Indo-Pacific area.

This study uses GCG self-assessment as a moderating variable to investigate how risk management, in particular operational, credit, and liquidity risk, affects financial performance. utilizing secondary and quantitative data from the websites of the Financial Services Authority (OJK) and each Rural Bank (BPR) for the 2019–2023 timeframe. Purposive sampling was the approach utilized to acquire the study's sample. There are 17 rural banks included in the sample size. The Structural Equation Modeling (SEM) approach and the SmartPLS 3.2.9 analysis tool are used in research data processing. The findings of the study demonstrate that operational risk significantly and negatively impacts financial performance. Liquidity risk has a positive but not significant effect on financial performance, while credit risk has a negative impact. This study also discovered that while GCG self-assessment was able to moderate the association between credit risk and financial performance, it was unable to moderate the relationship between financial performance and operational risk or liquidity risk.

Cervical cancer remains one of the leading causes of mortality among women, particularly in developing countries such as Indonesia, where prevalence is high and early detection is often delayed. This study aims to identify and synthesize the major risk factors for cervical cancer through a systematic review of both national and international literature. The core problem addressed is the lack of a comprehensive and context-relevant risk framework for Indonesian women, resulting in suboptimal preventive interventions. The proposed method is a qualitative descriptive literature review, analyzing 15 selected scientific articles based on defined inclusion criteria. Key findings indicate that age ≥35 years, high parity, early sexual activity, smoking habits, prolonged use of hormonal contraceptives, low educational attainment, and physically demanding occupations are significant determinants of increased cervical cancer risk. The synthesis of ideas shows that biological, behavioral, social, and environmental factors interact in complex ways to influence vulnerability to cervical cancer. This study concludes that cervical cancer prevention requires a multidimensional approach that integrates education, routine screening, and increased public awareness of modifiable risk factors. The findings are expected to inform more effective and context-sensitive health policy development in Indonesia.

Pregnancy, labor, and the postpartum period can all be more hazardous for the health of the mother and fetus in high-risk pregnancies. By doing a thorough literature analysis, this study seeks to determine the contributing factors to high-risk pregnancies. Methods: A systematic review of the literature utilizing ten national journals from PubMed and ten foreign journals from Google Scholar. The inclusion criteria were observational and cohort research articles published between 2020 and 2024, as well as systematic reviews of research articles with their determinants found in databases like PubMed and Google Scholar. Maternal factors (age <20 or >35 years, history of chronic diseases, and maternal health condition), obstetric factors (pregnancy spacing too close, multiparity, or history of previous pregnancy complications), and socioeconomic factors (low education, limited access to health services, and poor economic status) are the factors that contribute to high-risk pregnancies, according to the analysis. Furthermore, bad lifestyle choices like drinking alcohol, smoking, and not eating enough food all play a big part. The study's findings emphasize the value of multifaceted initiatives that include education, better access to healthcare, and a comprehensive approach to policy in order to lower high pregnancy risk.

. The Framingham Risk Score (FRS) assesses coronary heart disease (CHD) risk and predicts acute coronary events. Metabolic markers like LDL cholesterol, fasting blood glucose, uric acid, triglycerides, and TG/HDL ratio play critical roles in atherosclerosis and cardiovascular risk. Elevated LDL cholesterol, fasting blood glucose, and uric acid contribute to plaque formation, inflammation, and vascular damage, while high triglycerides and low HDL cholesterol exacerbate atherogenesis. This study explores the relationship between these markers and FRS to enhance CHD risk prediction and support targeted cardiovascular interventions. This study analyzed LDL cholesterol, fasting blood glucose, uric acid, triglycerides, and TG/HDL ratio with Framingham Risk Score in 85 participants, excluding those with incomplete data or chronic illnesses. The analysis found significant correlations between metabolic parameters and the 10-year myocardial infarction risk. LDL cholesterol, triglycerides, and uric acid showed moderate positive associations with cardiovascular outcomes, while the triglyceride-to-HDL ratio and fasting blood glucose had weaker but significant correlations. These findings highlight lipid profiles and metabolic markers as key contributors to cardiovascular risk. This study highlights significant correlations between LDL cholesterol, fasting blood glucose, uric acid, triglycerides, and the triglyceride/HDL ratio with 10-year cardiovascular risk. These findings emphasize the importance of lipid profiles, glycemic control, and metabolic markers in predicting coronary outcomes and guiding targeted preventive interventions for improved cardiovascular risk management.

Frailty is a common syndrome in older adults, marked by declining physiological reserves and increased vulnerability to adverse health outcomes. It impacts quality of life and links to higher morbidity, mortality, and healthcare needs. Identifying frailty markers early helps prevent or delay its onset. In Indonesia, frailty affects 10–20% of the elderly, with higher rates in rural areas and those over 75, driven by poor nutrition, chronic diseases, and limited healthcare access. This study explores these factors and their relationship with frailty in elderly residents of Bina Bhakti Elderly Home. This cross-sectional study analyzed anthropometric measurement, uric acid, vitamin D, albumin, and diabetes mellitus with frailty in 42 elderly residents, excluding those with cognitive impairments, acute illnesses, or psychiatric disorders. The analysis identified fasting blood glucose, HbA1c, and albumin as significant predictors of frailty, highlighting the importance of glucose regulation and nutritional status in frailty risk among the studied population. Fasting blood glucose, HbA1c, and albumin emerged as key predictors of frailty, highlighting the roles of glycemic control and nutritional health in reducing frailty risk. Lower fasting blood glucose and higher albumin levels were protective, while higher HbA1c increased vulnerability. Targeted interventions in these areas may effectively mitigate frailty risk.

Organizational fraud represents a significant global challenge, with estimated annual losses of 5% of revenue, totaling approximately US$4.7 trillion worldwide. This systematic literature review examines whistleblowing effectiveness as a fraud detection mechanism, analyzing the tension between its role as a transparency pillar and the retaliatory risks faced by whistleblowers. The study employed a qualitative Systematic Literature Review methodology, analyzing 25 peer-reviewed articles published between 2020-2025 from SINTA, Scopus, and registered E-ISSN journals. Literature was selected using keywords related to whistleblowing effectiveness, fraud detection, transparency mechanisms, and retaliation risk. Results demonstrate that whistleblowing systems significantly enhance fraud detection and prevention across both public and private sectors, with 24 of 25 reviewed studies confirming positive impacts. Effectiveness is influenced by individual attitudes, perceived behavioral control, organizational commitment, professional commitment, moral reasoning, and organizational culture. The integration of whistleblowing with forensic and investigative audit mechanisms creates a mutually reinforcing fraud detection framework. However, retaliation risk remains a substantial challenge, potentially undermining whistleblowing effectiveness. The study concludes that organizations must develop comprehensive whistleblower protection frameworks, cultivate supportive organizational cultures, ensure transparent report handling processes, and leverage technology to guarantee anonymity. A balanced approach between promoting transparency through whistleblowing and protecting whistleblowers from retaliation is essential for maximizing fraud detection effectiveness. Organizations are advised to integrate whistleblowing into comprehensive anti-fraud strategies with adequate protection mechanisms and whistleblower incentives.

This research aims to analyze the crisis communication strategy implemented by the government to address national issues that could put the ideology of Pancasila at risk. Using a case study approach, this study examines how the government managed communication during the crisis, including identifying key stakeholders, transferring messages, and using communication channels. This data was collected by analyzing political documents and media reports also library research. The results show that the effectiveness of government crisis communication is greatly influenced by the speed of response, transparency of information, and the ability to build an integrated dialog with different groups of people. In addition, this research also shows the importance of positive and continuous communication to incorporate state resistance to ideological threats. The effectiveness of this research provides the government and other interest groups with valuable findings in the development of effective communication strategies to maintain and strengthen the value of Pancasila on the issue of time challenges.

Liver disease is an increasingly prevalent health problem among the productive-age population, primarily driven by unhealthy lifestyles, alcohol consumption, obesity, and the risk of hepatitis infection. Liver dysfunction often presents no specific symptoms in its early stages, making early detection challenging. The Community Service Program (PKM) conducted in Grogol Village aimed to raise public awareness about the importance of early liver function screening through SGOT and SGPT enzyme assessments. This activity included education on risk factors as well as on-site liver enzyme testing for participants. Among the 71 participants, 18 individuals (25.35%) had elevated SGOT levels, and 17 individuals (23.94%) showed SGPT levels exceeding normal limits. These findings highlight the importance of early liver function screening in preventing the progression to chronic liver diseases such as NAFLD or hepatitis, and in serving as an indicator of cardiometabolic risk. Therefore, routine liver enzyme testing can serve as a foundation for increasing public awareness about the importance of maintaining liver and metabolic health in a sustainable manner.

This study examines the legal consequences and liability arising from actions taken by the Board of Directors and the Board of Commissioners of a limited liability company (Perseroan Terbatas PT) after their official terms of office have expired. Employing a cross-sectional quantitative survey design, a Likert-scale questionnaire was distributed to 270 respondent comprising corporate managers of publicly listed companies on the Indonesia Stock Exchange (large-, mid-, and small-cap) and corporate law practitioners in Greater Jakarta. Construct validity (KMO = 0.68; Bartlett’s Test p < 0.001) and reliability (Cronbach’s α = 0.78–0.84) confirmed the adequacy of the instrument. Descriptive analysis showed moderate mean scores for legal status of actions (Mean = 3.12) and reappointment mechanisms (Mean = 2.75). Pearson’s correlation revealed a significant positive relationship between “ultra vires” actions and civil liability risk (r = 0.582; p < 0.001) as well as criminal liability risk (r = 0.314; p < 0.001), whereas reappointment via the General Meeting of Shareholders (RUPS) correlated negatively with civil (r = –0.423; p < 0.001) and criminal (r = –0.287; p < 0.001) risks. Multiple linear regression reinforced these findings (R² = 0.52 for civil risk; R² = 0.31 for criminal risk). ANOVA indicated that small-cap firms faced the highest civil risk and that practitioners with over ten years of experience reported the lowest concern for criminal risk. These results underscore the need for proactive RUPS scheduling, multi-layered authorization systems, and strengthened compliance functions to mitigate ultra vires risks and reinforce good corporate governance.

This study explores the legal responsibilities of notaries in reporting suspicious financial transactions as part of implementing the Know Your Customer (KYC) Principle. As public officials, notaries are bound by confidentiality obligations; however, in the context of anti-money laundering and counter-terrorism financing efforts, they are also required to report suspicious activities. The research applies a normative juridical approach using qualitative methods that focus on legal document analysis. The findings indicate that the notary's reporting obligation does not violate the confidentiality principle, as it is protected by law through both preventive and repressive legal safeguards. Proper implementation of the KYC Principle and due diligence allows notaries to actively contribute to financial integrity while minimizing their legal risk.

Human decision-making often occurs under conditions of uncertainty, where understanding probabilities is essential for making informed choices. This study investigates how people perceive and apply probabilistic information in various decision-making contexts. A combination of quantitative and qualitative methods was used to analyze the decision patterns of 200 individuals from diverse backgrounds through scenarios involving uncertainty. The results show that most participants prefer relying on intuition or personal experience rather than using statistical reasoning. Several cognitive biases, such as ignoring probability, overestimating confidence, and relying on readily available information, were commonly observed. However, participants with a stronger grasp of probability concepts demonstrated more logical and beneficial decision-making, particularly in financial and organizational settings. The study highlights a clear link between probability literacy and decision quality. Improving public understanding of probabilistic thinking could enhance decision outcomes, especially in situations involving risk. Educational efforts to integrate probability awareness into learning environments are recommended to support better decision-making both individually and collectively.

Land cover change has a significant impact on the hydrology of watershed areas, including increasing flood risk. This study aims to analyze land cover changes in the Siborgonyi and Acai sub-watersheds between 2013 and 2022 and their impact on flood potential. The methods used include spatial analysis with GIS, flood modeling using HEC-RAS, and Curve Number (CN) calculations to identify changes in soil infiltration capacity. The results show that land cover changes have a substantial effect on the increase in flood risk. The reduction of forest areas and the expansion of built-up land indicate a large-scale conversion of natural vegetation into residential and infrastructure areas. CN values in 2022 increased across most areas, indicating reduced soil infiltration capacity and increased surface runoff. Flood modeling shows that both the extent and depth of inundation significantly increased in 2022, particularly in downstream areas with basin-like topography.

Between June and early August, six accidents occurred on the Semarang-Solo toll road compared to other toll roads, one of which involved 15 vehicles. To reduce accidents, information on the causes of accidents and the risk factors involved needs to be studied. This research method uses descriptive observational. Data were collected through observations twice during the day and once at night. The results of the study found a relationship between environmental factors, driver factors, and vehicle factors that contribute to the risk of accidents. Suggestions: Efforts are needed to minimize contributing risk factors in order to reduce the risk of accidents. The method used in this study is descriptive observational, with data collected through direct observation at two times during the day and once at night. This approach allows for observation of road conditions and driver behavior at various times, both during the day and night, which often have different levels of accident risk. These observations not only look at the physical condition of the road, but also pay attention to the factors of the drivers and vehicles involved. The results show a significant relationship between environmental factors, driver factors, and vehicle factors that can increase the risk of accidents. Several environmental factors, such as weather conditions, street lighting, and inadequate toll road design, have been found to influence accident rates. Furthermore, driver factors such as fatigue, excessive speed, and negligence also contribute significantly to accidents. Equally important, poorly maintained vehicles or vehicles that do not meet safety standards also play a role in causing accidents. It is recommended that efforts to minimize these risk factors be coordinated between authorities and the public. Improving the quality of toll road infrastructure, providing adequate lighting, and monitoring driver behavior are essential.

Health risk stratification is crucial for preventive healthcare, yet existing models often rely on binary classification generalized disease prediction, neglecting personalized health indicators and graded risk levels. Many studies apply feature selection techniques like Relief and Univariate Selection without quantifying the weighted impact of features. To address these gaps, this study introduces a Big Data-driven Health Index (HI) framework using PySpark for scalable health risk stratification. The HI is computed as a weighted sum of health-related features using SHAP Analysis, XGBoost, Random Forest, and Correlation Analysis. PySpark enables efficient processing of large-scale health data, and individuals are classified into Low and High Risk. Optimal classification thresholds are determined using the Youden Index from the ROC curve to balance sensitivity and specificity. Personalized health recommendations are generated based on risk categories to guide preventive interventions. Performance evaluation reveals that Correlation Analysis achieves 100% precision and 98.90% recall, outperforming other methods. SHAP prioritizes recall but has low precision, while XGBoost and Random Forest improve precision but struggle with recall. By leveraging Big Data techniques with PySpark, this study enhances computational efficiency, scalability, and classification accuracy, addressing prior research limitations and providing a robust data-driven approach to personalized health monitoring.

Background: Preterm labor (PTL) remains a major global health concern, contributing significantly to neonatal morbidity and mortality. Asymptomatic bacteriuria (ASB), has been implicated as a predisposing factor to PTL. This research investigates association between ASB and PTL, emphasizing inflammatory mediators such as high-sensitivity C-reactive protein along with tumor necrosis factor- α. Methods: This observational case-control study was conducted at Tikrit Teaching Hospital, Iraq, involving 100 pregnant women (50 PTL cases and 50 full-term controls). Demographic, clinical, and laboratory data were collected. Urine cultures identified bacterial isolates. In addition, levels of TNF-α and hs-CRP in serum were measured using ELISA. Statistical analyses were performed using SPSS.  Results: ASB was significantly associated with PTL, with 30% from PTL cases having a positive urine culture compared to 8% in controls (p = 0.009). Escherichia coli was the predominant pathogen (53%). TNF-α and hs-CRP levels were significantly elevated in PTL cases (p < 0.001), suggesting an inflammatory pathway in PTL pathophysiology. Conclusions: ASB is a significant risk factor for PTL, likely mediated by systemic inflammation. Routine ASB screening and targeted antimicrobial therapy may reduce PTL risk. Further study is required to explore the mechanistic connections amongst microbial infection and inflammatory responses in PTL. 

Early marriage remains a significant issue contributing to the high prevalence of stunting in Indonesia, particularly in rural areas. The lack of awareness among adolescents and parents regarding the negative impacts of early marriage and the importance of proper nutrition is a major contributing factor. The PENA EMAS (Early Marriage Prevention for Stunting Elimination Towards Healthy Children) program was implemented in Tanjung Buaya Village as part of the KKN-T Posko 22 UNIMMAN initiative to raise public awareness about the dangers of early marriage and its link to stunting risk. This program utilized three main stages: preparation, implementation, and evaluation. Activities included educational sessions, adolescent health screenings, local vegetable planting initiatives, and interactive media such as podcasts and educational competitions. The evaluation results showed an increase in community awareness of family planning and nutrition fulfillment, with five adolescents identified as having anemia based on hemoglobin (Hb) level tests. The conclusion of this program is that community-based educational interventions with participatory approaches can enhance awareness among adolescents and parents in preventing early marriage and reducing stunting risk. Recommended follow-up actions include regular health check-ups, adolescent mentoring, and the empowerment of Youth Ambassadors for Stunting Prevention to ensure the program’s sustainability.

The Maternal Mortality Rate (AKI) is still a problem for maternal and child health in Indonesia. The high maternal mortality rate shows that the health of mothers and children is still low. Risk factor detection is one of the efforts to capture how a mother in pregnancy has an influence on her health during pregnancy, childbirth and the postpartum period. The purpose of this service is to empower pregnant women in carrying out early detection of high risk of pregnancy to improve maternal and child health, in addition to helping partners (puskesmas) in efforts to detect early pregnancy risk. The service method is carried out by providing counseling and identifying risk factors with the Poedji Rochjati scorecard. This service was carried out on 14 pregnant women at the C.H. Martha Tiahahu Health Center. In the risk of pregnancy in the Low Risk Pregnancy (KRR) category with a score of 2 of 6.43% (6 pregnant women). In the pregnancy risk category with High Risk Pregnancy (KRT) with a score of 6 - 10 amounting to 7.50% (7 pregnant women). In the pregnancy risk category with Very High Risk Pregnancy (KRST) with a score of > 12 of 1.7% (1 pregnant woman).

Floods are natural disasters that often occur in Indonesia and cause damage to property, infrastructure, and casualties. One of the main factors causing flooding is the failure of water management systems such as reservoirs to manage the sudden increase in water volume. This research aims to design an automatic reservoir sluice controller by utilizing Internet of Things (IoT) technology to reduce flood risk. The system uses a NodeMCU ESP8266 microcontroller and an HC-SR04 ultrasonic sensor to monitor the water level in real-time, as well as a servo motor that controls the sluices. The system is connected to the Blynk app, allowing remote monitoring and control of the sluice gates via mobile devices. This tool automatically adjusts the position of the sluice gate based on sensor data to keep the water level safe and reduce the potential for flooding. The test results show that this IoT-based automated system is able to work effectively in controlling sluice gates and can be used for flood disaster prevention in the surrounding environment.