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This research explores the relationship between public information precision, borrower risk-taking behavior, and financial reporting regulations. It examines how varying levels of accounting disclosures influence creditor-borrower dynamics in financial markets. Enhanced precision in public information, such as accounting earnings, promotes market efficiency by reducing information asymmetry and improving creditors' ability to accurately assess borrower creditworthiness. While higher precision generally mitigates borrower risk-shifting tendencies, regulatory context and economic conditions modulate these effects. This literature review systematically identifies and analyzes peer-reviewed articles on forecast dispersion, accuracy, and their implications for cross-sectional return anomalies in financial markets. The findings reveal that higher forecast dispersion is linked to greater uncertainty and perceived risk, leading to higher expected returns, while accurate forecasts reduce information asymmetry and improve market efficiency. Differences in forecast precision significantly contribute to market anomalies. In conclusion, forecast dispersion and accuracy are critical in explaining cross-sectional return anomalies. Future research should refine models, explore behavioral biases, and evaluate technological advancements, emphasizing balanced financial reporting regulations to harness transparency benefits while mitigating potential costs during economic expansions.

Abstract  This study aims to investigate the use of netizen grammar in the Instagram comment section discussing the 2024 Election issue, with a focus on language style, conversational patterns, and their impact on public opinion and the democratic process. Employing a qualitative approach, data for this research were collected through direct observation of netizen comments on Instagram. When netizens engage in communication about political issues like the 2024 Election, the grammar they use plays a crucial role in shaping how messages are conveyed and received. This study highlights several common grammar mistakes that may occur, such as spelling errors, improper punctuation usage, and the use of impolite language. For instance, the use of "hati2" instead of "hati-hati" and inconsistent capitalization in "Pak" when used in a context of respect. Analyzing these grammar errors not only aids in understanding how netizens communicate online but also demonstrates their potential impact on public opinion. For example, grammar mistakes can diminish the quality of the message conveyed and influence how it is perceived by readers. Through specific examples, such as errors in sentences expressing prayers for a candidate, this study illustrates how grammar mistakes can reduce communication effectiveness and lower the quality of online discussions. Furthermore, the research underscores the importance of consistency in using formal language in political contexts. Formal language not only reflects politeness in communication but also strengthens public trust in the messages conveyed. Therefore, by improving understanding and practice of correct grammar, it is hoped that online political discussions can become more productive, meaningful, and constructive. The benefits of this research also extend to identifying grammar errors that can affect perceptions of political figures or issues discussed in the context of the 2024 Election. By gaining a better understanding of the dynamics of political communication on social media, it is also possible to enhance public participation in the democratic process. Overall, this study seeks to provide insights into how netizen grammar in Instagram comment sections can influence interactions and public opinions on sensitive political issues. Thus, this research is relevant not only to academics in linguistics and communication but also to political practitioners and the general public seeking a deeper understanding of social media's role in shaping political perceptions and participation.  

This study examines the impact of Green Compensation and Benefits on employee performance and the factors influencing its effectiveness using a mixed-methods approach. Quantitative results show a significant positive relationship between employees' perceptions of these practices and their performance. Qualitative findings reveal key factors influencing effectiveness, including perceived fairness, clear communication, and alignment with personal values. This study contributes to the Green Human Resource Management (GHRM) literature by demonstrating the specific role of Green Compensation and Benefits in promoting pro-environmental behavior and enhancing employee performance. Practical implications for HR managers are emphasized, including the importance of designing fair, transparent, and value-aligned systems. Future research is suggested to investigate the generalizability of findings, employ longitudinal designs, and explore interactions between Green Compensation and Benefits and other GHRM practices. A holistic approach to GHRM can motivate employees' pro-environmental behavior and better achieve organizational sustainability goals.    

This research aims to find out: (1) Perceptions of Benefits of Interest in Using BRI Mobile Banking Among Students of the Economic Education Study Program for the 2022/2023 Academic Year (2) Trust Interest in the Use of BRI Mobile Banking Among Students of the Economics Education Study Program for the 2022/2023 Academic Year.The type of research used in this research is quantitative with a quantitative descriptive approach. The data collection technique used in this study is; (1) questionnaire, (2) observation and (3) documentation. The data analysis technique used is to use statistical data analysis with multiple linear regression formulas.The results of this study indicate that (1) there is a significant influence between the Variables of Perceived Benefits (X1) on interest in using Mobile Banking BRI among students wa Economics Education Study Program for the 2022/2023 Academic Year. With the results of the analysis showing that the value of tcount > ttable is 4.482 > 2.17881 and a significant value of 0.001 < α (0.05). (2) there is a significant effect between v Trust Variable (X2) on Interest in Using Mobile Banking for Students of Economic Education Study Program Year Academic2022/2023 . The results of the analysis show that the tcount > ttable is 2.253 > 2.17881 and a significant value is 0.044 <α (0.05).Therefore, it is recommended to the parties as follows: (1) For BRI Bank to optimize and improve the server in mobile banking services against out-of-pocket users. (2) When the researcher is continued, the researchers will not be used for the use of the mobiles and the mobile will be the user of mobile bare, in the future, the to participate in conducting research.Students of the Flores University economics education study program who use Mobile Banking services must remain careful when making transactions, because not everyone is the bank's responsibility. (4) For economic education study programs, it is hoped that the results of this research will provide references and experience for educators in using Mobile Banking.

The development of digital technology has brought significant changes in philanthropy practices, one of which is through the implementation of online fundraising (crowdfunding). This study aims to analyze the effectiveness of implementing fundraising features in the Dompet Dhuafa application as one of the institution's efforts to utilize technological advancements to support philanthropic activities. Using a qualitative approach and literature review, this study examines the factors that influence the success of fundraising through mobile applications, such as trust, ease of use, and perceived usefulness. In addition, other aspects such as interface design, application features, and promotional strategies are also considered in this analysis. The results of the study show that the implementation of fundraising features in the Dompet Dhuafa application has the potential to be an effective means of collecting donations from the wider community, with the caveat that the institution must pay attention to key factors such as transparency, ease of use, and providing clear information about the impact and benefits of donations. The effectiveness of implementing these features can be measured by an increase in the number of donors, the amount of donations collected, and the level of community participation in programs run by Dompet Dhuafa.

Working from home in response to the global pandemic has brought major changes to the world of work. This research aims to see how working from home is implemented and how it affects employee performance. This study shows that employee performance is significantly affected when working from home. One of the perceived benefits is the flexibility of working from home schedules, which allows employees to adjust work schedules to their individual needs. Additionally, there is a positive relationship between employee productivity and a more comfortable work environment with fewer distractions. However, this research also reveals several problems that workers face when working from home. Feelings of social isolation, lack of group collaboration and communication difficulties are some of these problems. Companies must provide adequate technological infrastructure and appropriate training to ensure employees can easily adapt to working from home when faced with these issues. Therefore, the implementation of working from home has a significant impact on employee performance. Benefits such as time flexibility and increased productivity can be achieved, although there are some obstacles that need to be overcome. Therefore, it is important for businesses to continue to monitor and improve work from home practices to optimize employee performance in an ever-changing work environment.

The purpose of this research is to determine the determinants of choice variables for MSME companies in Cimahi when it comes to using e-commerce. In this study, the Theory of Planned Behavior (TPB) is used as a theoretical framework to construct research hypotheses. The earliest stages of the research began with the collection of primary data in the form of questionnaire responses from Cimahi chips SMEs, with a total of 148 respondents filling out the questionnaire. The acquired data will next be processed using various linear regression methods. According to the findings of the study, Cimahi chip SMEs have a favorable attitude toward e-commerce adoption. They also include the influence of social norms as a factor to consider when adopting e-commerce. Perceived behavioral control influences e-commerce adoption as well. Based on the findings of the research, footwear MSMEs that have not used e-commerce should analyze the benefits of e-commerce for business, while MSMEs that have used e-commerce can assess the benefits and restrictions of utilizing e-commerce. The government can also help MSMEs adopt e-commerce by giving training, constructing suitable infrastructure, and establishing applicable legislation.

Elderly is a process of experiencing anatomical, physiological and biochemical aging in organ tissues which can affect the state of function and ability of the body as a whole (Fatmah, 2019). In Indonesia, fracture cases are the third largest cause of death under coronary heart disease and tuberculosis. According to data compiled by Wrong Diagnosis (Ropyanto, et al, 2013), Indonesia is the largest country in Southeast Asia that experiences the most fractures of 1.3 million each year out of a population of around 238 million. In postoperative fracture patients, they experience delays in making movements due to muscle weakness and perceived pain (Ningsih, 2019). In an elderly person, it will bring about a complete change in his physique related to a decrease in the ability of the body's tissues, especially in physiological functions in the musculoskeletal system and the neurological system. One of the changes that occur in the elderly is a change in decreased muscle strength, the impact of decreased muscle strength is an increased risk of falling and causes walking to be less stable (Padila, 2020). Purpose: ROM is an exercise used to improve normal joint movement to increase muscle tone. Doing ROM exercises early can increase muscle strength so that it can stimulate more motor units involved, there will be an increase in muscle strength (Anggriani et al., 2020) Method: Using a muscle strength scale instrument. Conclusion: That Range Of Motion has benefits and is

The Jakarta Integrated Moda Raya Raya train (MRT), is one of the transportation options for the people of Jakarta in their activities. Inaugurated on March 24, 2019, several problems were complained about by passengers, namely regarding the perception of ease of transactions and customer value. Satisfaction with Perceived Ease of Transaction such as easy to learn, easy to use, clear, easy to understand, skillful, and easy to use. Satisfaction with Customer Value paid is due to added value, suitability of costs with benefits, ease of obtaining services. This research is intended for Jakarta MRT customers to have significant simultaneous satisfaction for using the Jakarta Integrated Moda Raya Train (MRT) according to Ticket Prices, Facilities and Perceptions of Ease of Transaction. Satisfaction of passengers of the Jakarta Integrated Moda Raya Train (MRT) on Perceptions of Transaction Ease and Customer Value which are jointly perceived, namely punctuality satisfaction, facility completeness satisfaction, price suitability satisfaction, departure schedule satisfaction, and function and facility satisfaction. This research was also conducted to find out how the quality of service or service, the perception of the price of MRT transportation services, and how the facilities on the MRT. Whether and how important service quality plays a role in the level of satisfaction of MRT passengers. The research method used in this research is descriptive research which is one type of quantitative research approach. This study uses a questionnaire distribution of questionnaires to 20 users or who have used MRT transportation services. In the questionnaire we provide choices about the quality of station facilities, train units, service quality, timeliness of departure, and how the fare is adjusted for MRT transportation services. In the study we found that service quality plays a very important role in the level of satisfaction of MRT passengers.

Information and communication technology that has become increasingly sophisticated makes information spread quickly without the boundaries of space and time. This is very dangerous for teenagers who are still confused about what they can and cannot do. The type of research design used is descriptive qualitative. The research subjects were 23 people, consisting of 21 students/I SMA Negeri 1 Jambi City, 1 teacher counseling guidance and 1 vice principal in the field of public relations. Data were obtained by means of Focus Group Discussion (FGD) and In-Depth Interview. Students' perception of sex education is to explain problems related to how to interact with the opposite sex, reproductive organs, intimate relationships, and juvenile delinquency. Perceptions related to the threat of not getting sex education are that they can fall into promiscuity and free sex, get pregnant out of wedlock and can get reproductive diseases. Students' perceptions regarding the benefits of getting sex education are being able to distinguish between good and bad, and being able to avoid promiscuity. Schools provide support in efforts to prevent free sex for their students by way of socialization related to sex education by counseling guidance teachers assisted by other relevant agencies and institutions. The informant's perception of the perceived barriers in obtaining sex education is that many consider sex a taboo subject and a negative thing. The activity of providing sex education at SMA Negeri 1 Jambi City is expected to be able to apply sex education as one of the materials taught to students at school. Although activities were hampered due to the pandemic, it is hoped that the school will continue to provide sex education materials in the form of online meetings or socialization from various media.    

This study aims to analyze the interest of the Semarang city’s community in using GOPAY as a digital payment based on the Technology Acceptance Model (TAM). The TAM approach was chosen because TAM is the most widely used model in predicting the acceptance of information technology and has proven to be a very useful theoretical model in helping to understand and explain user behavior in the implementation of using GOPAY as a digital payment. Nowadays, people who used to use cash payment (cash based) have now started to recognize and use non-cash payments (non-cash) in carrying out various payment transaction activities. One of the non-cash payment instruments that is currently developing is electronic money, one of which is GOPAY. The sample of this study was 100 people in the city of Semarang. The data analysis technique is multiple linear regression. The results of the research are Perceptions of Benefits, Perceptions of Ease, User Attitudes, and Perceptions of Security that have a positive effect on interest in using GOPAY as a digital payment.

This study aims to determine the most significant factor statistically influencing customer satisfaction in the purchase transaction process using mobile commerce to test the moderating effect of customization or efforts to adapt m-commerce to consumer desires. Respondents who filled out the survey consisted of 125 respondents, spread over a span of 1 month, for customers who in the last 12 months have used m-commerce for buying and selling transactions. The results of this study are the customer trust factor, the perceived enjoyment factor when using m-commerce, the moderating effect of customization on usage benefits factor, and the customization factor are the 4 factors that most influence customer satisfaction. These findings are useful for M-commerce providers to focus their development on aspects of customer trust, customer enjoyment, and customization.

E-commerce has been giving a lot of benefits to small andmedium enterprises (SMEs), but there are only a few SMEs whichhave adopted it. Therefore, it is necessary to find out what are thefactors that support SMEs to adopt E-commerce. So far, researcheson E-commerce have been done on foreign-large-scale businesses,while researches on SMEs especially about the adoption of E-commerce have been a few. That is why this research will discussthe adoption of E-commerce on Indonesian SMEs and will includethe factors that support E-commerce adoption. The problems in thisresearch are elaborated into research questions, i.e. do, topmanagement support, organizational readiness, external pressure,and perceived benefits have significant positive effect to E-commerce adoption? And does the adoption have significantpositive effect to company’s performance? The purpose of thisresearch is to analyze factors that support E-commerce adoption onIndonesian SMEs and to analyze whether the adoption improves theperformance of the SMEs. This technique is chosen because it is thesecond generation of multivariate analyzing technique that enablesresearchers to test the relation between complex variables to get anoverall view of the whole model. Besides, SEM can also test a seriesof a complicated relation simultaneously. The results of thisresearch explain that top management support, organizationalreadiness, external pressure, and perceived benefits haveSignificant positive effect to E-commerce adoption, and theadoption have significant positive effect to company’s performance.

BlackBerry is a mobile phone made in Canada. BlackBerry was firstintroduced in 1999, and is presented in Indonesia in mid-December 2004. Sinceit was first introduced, the BlackBerrywas much in demand by various groupswith the support of various mobile operators both CDMA and GSM. However,in these days it has decreased significantly. Most users at the end of 2012 asmuch as 79 million active use of BlackBerry mobile phones are recorded. But atthe end of March 2013it decreased as much as 3 million users and it decreasedup to 4 million users at the end of June 2013 who no longer use BlackBerrymobile phone. The final user of BlackBerry mobile phones is 72 million. Thepurpose of this study was to analyze the effect of brand characteristics, companycharacteristics, brand characteristics,and the consumer - perceived benefits to theconsumer brand loyalty on BlackBerry mobile phones in STIE TOTALWINSemarang.The population in this study were students STIE TOTALWINSemarang. Based on Slovin formula, the sample size was 100 respondents thatwere obtained by purposive sampling technique, i.e. students who use BlackBerryphones, at least one month and have experience in using another mobile phone.Primary data was collected through questionnaires and analyzed with multiplelinear regression analysis.The results showed that the Brand Characteristics,Company Characteristics, Consumer-Brand Characteristics and Perceived valuehas significant and positive effect on Brand Loyalty, both partially andsimultaneously. Company Characteristics became the biggest factors influencingbrand loyalty.

The purpose of this study is to provide empirical evidence about the influence of perceived benefits (perceived benefits) and perceived credibility (perceived credibility) to the use of e-banking. This study is based on Social Contract Theory and the Theory of Diffusion of Innovations. Samples are intended private companies located in Yogyakarta and gained as much as 71 companies. Statistical analysis is done is test the initial validity and reliability tests early, test construct validity and reliability tests construct instruments, test Classical Assumptions: Normality test, test Multicollinearity, Heteroskidastity test, and autocorrelation test. Multiple Regression Analysis to test the empirical model and hypotheses. The results showed that the perceived benefits of (Perceived Benefits) has a positive effect on the use of e-banking. However, the influence of perceived credibility (Perceived Credibility) against the use of E-Banking (E-Banking Usage) is not proven. Keywords: social contract theory, theory of diffusion of innovations, benefits perceived, perceived credibility and use of e-banking.