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The stability of the banking sector is crucial in maintaining a country’s financial system and economic sustainability. This study analyzes the impact of Net Interest Margin (NIM), Non-Performing Loans (NPL), and Capital Adequacy Ratio (CAR) on banking stability in Indonesia. The inconsistency of previous research findings indicates a research gap that requires further exploration. This study employs a quantitative approach using secondary data from financial reports of conventional banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The sample was selected using purposive sampling, resulting in 39 banks with 195 observations. Data analysis was conducted using multiple linear regression with classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation, to ensure model validity. The results show that NIM positively but not significantly affects banking stability, while NPL has a negative and significant effect. CAR also significantly influences banking stability. Enhancing banking intermediation effectiveness through NIM and CAR can strengthen financial stability, whereas increasing credit risk, reflected in NPL, can weaken stability. This study provides insights for regulators and banking management in designing more effective policies to maintain banking sector stability in Indonesia.

In the beginning, the Natural and Social Sciences (IPAS) Learning Activities in Grade III of Elementary School 116/X Lambur II used a learning model that was not varied, especially still using conventional learning models, so that the learning process in the classroom did not use technology at all. The lack of use of learning models that were less varied, coupled with learning media that only relied on books, made students feel bored and less interested in participating in learning. This research is a Classroom Action Research (CAR) which was carried out in two cycles consisting of planning, implementation, observation and reflection. The subjects in this study were Grade III students of Elementary School 116/X Lambur II. Data analysis techniques: data reduction, data presentation, and conclusions or verification, while data sources: resource persons, documentation, and teaching and learning processes. The results of this study indicate that there is an increase in students' creative thinking skills. Starting from the pre-cycle of learning activities that have not used the Game Based Learning model, student learning outcomes are only 5 out of 20 students who are said to have completed with a percentage of 20% with an average score of 49. Furthermore, from the results of the cycle I action, the minimum score has not been reached, so the study was continued in the cycle II action by making several improvements from the results of the cycle I reflection. From the results of the cycle II action, there was an increase where 18 out of 20 students were declared complete with a percentage of completion of 90% and obtained an overall average score of 85.

This study aims to analyze the implementation and perceptions of applying the Saiwa method in learning Joukyuu dokkai 1 for Japanese Language Education students at Brawijaya University during the 2020/2021 academic year. The method used is descriptive qualitative using observation sheets (indirect observation) to collect learning documentation data and questionnaires to explore student responses. The results showed that the implementation of Joukyuu dokkai 1 learning through the Saiwa method gave good results. The responses from students to this learning were mostly positive, with the majority of respondents stating that the Saiwa method of learning Joukyuu dokkai 1, which involves reading, writing, and speaking skills, can be felt to be beneficial.This research is also beneficial for Japanese language instructors in teaching reading courses, as it encourages the use of engaging methods over conventional, monotonous ones, thereby making learning more meaningful.

Diabetes Mellitus is a metabolic disease caused by problems in the body in producing insulin, insulin produced is lacking or nonexistent, or it can be due to the insulin receptor not functioning so that cells cannot receive glucose for metabolism (Black, M. J. & Hawks, 2014; Pranata, S & Khasanah, 2017). Diabetic wounds are caused by infection as a result of high blood glucose, thereby increasing bacterial proliferation, and added to the deficiency of the immune system which causes the wound inflammation period to last a long time. In addition, inappropriate treatment of diabetic wounds (ulcers) can worsen the condition of the wound (Ekaputra, 2013). Therefore, proper and optimal wound care is needed. The wound care method that is currently developing is moist wound healing, which is more effective than conventional methods because it is easy to install, can adjust to the shape of the wound, easy to remove, comfortable to wear, does not need to change dressings frequently, absorbs drainage, presses and immobilizes wounds, prevents new wounds from mechanical injury, prevents infection, improves hemostasis by pressing the dressing. Wound care procedures through Debridement and dressing. Wound debridement can accelerate healing by removing necrotic tissue, particulates, or foreign material, and reducing the bacterial load. The conventional method is to use a scalpel and cut away all unwanted tissue including callus and eschar. Saline-moistened (wet-to-dry) gauze dressings; moisture-retaining dressings (hydrogels, hydrocolloids, hydrofibers, transparent films and alginates) that provide physical and autolytic debridement respectively; and antiseptic dressings (silver dressings, cadexomer). Newer advanced dressings are being studied, such as Vulnamin gel made from amino acids and hyaluronic acid used in conjunction with elastic compression have shown positive results.

Monkeypox is a zoonotic disease caused by Orthopoxvirus, presenting clinical challenges due to its visual similarity to other dermatological conditions. Early and accurate detection is crucial to prevent further transmission, yet conventional diagnostic methods are often resource-intensive and time-consuming. This study proposes a deep learning-based classification model by integrating Xception and InceptionV3 using feature fusion to enhance performance in classifying Monkeypox skin lesions. Given the limited availability of annotated medical images, data augmentation was applied using Albumentation to improve model generalization. The proposed model was trained and evaluated on the Monkeypox Skin Lesion Dataset (MSLD), achieving 85.96% accuracy, 86.47% precision, 85.25% recall, 78.43% specificity, and an AUC score of 0.8931, outperforming existing methods. Notably, data augmentation significantly improved recall from 81.23% to 85.25%, demonstrating its effectiveness in enhancing sensitivity to positive cases. Ablation studies further validated that augmentation increased overall accuracy from 82.02% to 85.96%, emphasizing its role in improving model robustness. Comparative analysis with other models confirmed the superiority of our approach. This research enhances automated Monkeypox detection, offering a robust and efficient tool for low-resource clinical settings. The findings reinforce the potential of feature fusion and augmentation in improving deep learn-ing-based medical image classification, facilitating more reliable and accessible disease identification.

Science learning in grade 6 of elementary school is often still fixated on conventional methods that emphasize lectures and individual understanding of concepts. Therefore, this study aims to improve science learning outcomes in grade 6 students of elementary school through the application of the jigsaw learning model. The research method used is the experimental method on simple props for rotational and revolutionary motion. Where the research subjects were grade 6 D students of Elementary School 104202 Bandar Setia and the time of this research was conducted on November 13-20, 2024. Data collected through giving test questions, questions, presenting experimental results along with student activity in groups. With these data, significant results were obtained, where before the jigsaw learning model was applied, the average class score was still relatively low (63.75) or there were still many students whose scores were below the KKM, after the jigsaw learning model was applied, the learning outcomes or average class scores increased, namely (81.25) and it can be said that the jigsaw learning model can improve science learning outcomes in grade 6 of Bandar Sertia Elementary School.

This study aims to examine the impact of the Project-Based Learning (PBL) model in improving critical thinking skills (Higher Order Thinking Skills/HOTS) and mastery of Social Science (IPS) concepts among 8th-grade students at UPT SPF SMPN 4 Makassar. A quasi-experimental design with a nonequivalent control group was used, involving an experimental group (PBL) and a control group (conventional learning). The sample consisted of two classes (30 students per class) selected purposively. Data were collected through HOTS essay tests (pretest-posttest), PBL-based worksheets, and observation sheets. Data analysis was conducted using parametric statistical tests (independent sample T-test) supported by IBM SPSS Statistics 22 and Cohen’s d for effect size. The results show that, 1) the pretest indicated critical thinking and concept mastery were in the "Sufficient" category (96.67%), with only a small portion in the "Good" category (3.33%). After PBL implementation, post-test results revealed a significant improvement, with 93.33% in the "Good" category for critical thinking and a 23.33% increase in concept mastery. 2) PBL significantly enhanced critical thinking skills and 3) PBL significantly improved concept mastery in Social Science.

Electrical energy is a vital need to support daily life in various sectors such as industry, housing and government. In Indonesia, the majority of electrical energy is still produced from fossil fuel plants, which have significant environmental impacts and limited resources. Therefore, the development of renewable energy is crucial to reduce dependence on fossil fuels. One promising alternative is the Micro Hydro Power Plant (PLTMH), which uses flowing water to produce electrical energy. This research focuses on the implementation of MHP in Babakan Banten Village, Bogor Regency, an area with the potential for abundant water flow throughout the year. This project aims to provide a reliable electricity supply for communities, most of whom do not yet have access to electricity from the national grid. This study includes the process of planning, assembling and testing the MHP system using field data such as river water discharge, land elevation (head) and other technical specifications. The measurement results show that the PLTMH with a generator capacity of 2 kW is able to meet the electricity needs of 18 houses in Babakan Village, Banten. System testing shows good operational stability with optimal turbine rotation at full load and results in accordance with planning. It is hoped that the implementation of this PLTMH will not only increase accessibility to sustainable electrical energy, but will also have a positive impact on the welfare of local communities. Utilization of locally available natural resources not only reduces dependence on conventional energy, but also becomes a real example of the application of technology for sustainable development in remote areas of Indonesia.

Learning interest is one of the key factors influencing students' success in understanding a subject. In reality, many students struggle to engage with Natural Science (IPA) lessons due to less interactive and conventional teaching methods. The Team Games Tournament (TGT) cooperative learning model is an approach that can be used to enhance students' interest in learning through engaging games and academic competitions.This study aims to increase the learning interest of third-grade students at SD GMIT Nenu in Natural Science (IPA) by implementing the TGT method. The research employs a Classroom Action Research (CAR) method, conducted in two cycles, each consisting of planning, implementation, observation, and reflection. The research subjects were 16 third-grade students at SD GMIT Nenu in the 2022/2023 academic year. Data collection techniques included observations, learning interest questionnaires, interviews, and learning outcome tests. The collected data were analyzed using qualitative and quantitative descriptive techniques.The results indicate that the implementation of the TGT method significantly increased students' learning interest. Before the intervention, only 45% of students demonstrated a high interest in learning, with an average test score of 65.0. After applying the TGT method in the first cycle, learning interest increased to 75%, and the average student score improved to 80.5. In the second cycle, students' learning interest reached 93.75%, with an average score rising to 98.12. These findings demonstrate that the TGT method makes learning more engaging, fosters student interaction, and helps them understand scientific concepts more effectively.Based on these findings, it can be concluded that the TGT cooperative learning method is effective in enhancing elementary school students' learning interest. Teachers are encouraged to adopt this method for teaching Natural Science or other subjects that require active student participation. Furthermore, future research can be conducted to explore the effectiveness of this method in higher education levels and in different classroom settings.

Islamic Religious Education is a subject aimed at fostering noble character and instilling spiritual values in students. One indicator of the success of our education system is the success in strengthening faith and piety as well as cultivating noble character. The nobility of character and morals is a tangible measure of the goals of national education. However, the reality is that Islamic Religious Education in schools today is more bound to the school system, which is more focused on teacher-centered learning approaches. Educators play a vital role in achieving the desired learning outcomes in the teaching and learning process. Meanwhile, students act as both subjects and objects in applying the contextual teaching and learning method. Teachers can use various methods to convey information to students (transfer knowledge), whether it is related to teaching materials or global perspectives. The process of knowledge transfer through conventional methods can no longer be sustained, as society expects students to be intelligent and responsive to the times, not merely passive observers and listeners. The breakthrough offered by education experts is a new concept called contextual teaching and learning (CTL). This method is not merely about transferring knowledge from teacher to student but also empowers students to engage, experiment, and reconstruct the material they learn from the teacher, correlating it with their real-life experiences. The hope is that they can solve various problems in their lives, families, and communities. This research focuses on three aspects: character education, religious character, and character education through a contextual approach aimed at forming religious character. Based on this discussion, the objective of this paper is to understand: Character Education, Religious Character, and Character Education through a Contextual Approach in shaping Religious Character. This research employs a qualitative approach using a literature study.

Smart Door Lock is a development of a conventional manual home door lock or padlock. This study aims to create alternative technology at home by utilizing available lock technology. This study uses an Arduino Uno Microcontroller as the brain of the solenoid and as a power supply for the fingerprint scanner, and an esp 32 microcontroller as a tool for sending fingerprint data to firebase. The fingerprint scanner is run using the Arduino Ide to add fingerprints. Arduino programming is done using the Arduino IDE. The results of the study are described in the form of designing an automatic home door lock using a fingerprint scanner and Arduino as a solenoid control. The fingerprint data results will be visible in firebase

The mathematics learning process at high school level often faces challenges in terms of difficulties in understanding concepts. Conventional learning media is not interesting and interactive enough so it is less effective in understanding the material. This research aims to produce learning media using PowerPoint on the subject of statistics for class X. The development model used is the R&D model with the ADDIE development pattern, which consists of five stages: analysis, design, development, implementation and evaluation. The data collection technique used was a questionnaire. Data collection instrument that will obtain quantitative and qualitative data. Qualitative data was obtained from suggestions and input, while quantitative data was obtained from questionnaire calculations. The data analysis technique used is validation data analysis and learning media practicality data. The results of research validation analysis by three validators, namely media experts, material experts and learning experts using a Likert scale, show that the average validation of learning media is in the very feasible category. Apart from that, the results of the analysis of student response questionnaires, which involved thirty-two students, showed that the learning media obtained an average that fell into the very practical category. The conclusion of this research is that the interactive PowerPoint learning media on the subject of statistics, the material focusing on single data, has been tested and proven to be very feasible and very practical.”

The development of information systems today is very fast and rapid, one form of information system that is easy to develop is web-based. The use of information systems in the medical world is very much, but there are still some who have not utilised these information systems to help the work of a medical staff, especially in helping the development of mental health. The system used to help improve mental health at Dr Muhammad Zein Hospital is currently still conventional, namely face-to-face between medical personnel and patients, which makes adolescents who have problems with their mental health have various reasons not to visit a psychiatrist. This web-based adolescent mental health screening application is designed using the php programming language, MySQL database and a decision-making system using the Analytic Hierarchy Process (AHP) method. By implementing this Web-based Adolescent Mental Health Screening Application Using the Analytic Hierarchy Process (AHP) Method, it is hoped that it can help adolescents to know their mental health independently and provide information and education about mental health disorders.

Conventional physics learning tends not to connect the material studied by students with their environment. Learning needs to be designed contextually by teachers using the Contextual Teaching and Learning model. The use of digital Flipbook media is intended to be accessible to the students anytime and anywhere. This research aims to determine the increase in mastery of vibration and wave material in class VIII2 students at SMPN 8 Ambon. This type of research is one group pretest-posttest, with 28 students as research samples obtained by using purposive sampling techniques. This research data was collected through test and non-test instruments. Test instrument was used for initial tests and final tests, while non-test instruments are Student Worksheets (LKPD) and student response questionnaires. The results of the research showed that 100% of the students' initial abilities were in the failing qualification with an average score of 23.0. During the learning process, the average student achievement score was 82.6 or good qualifications. The average final test achievement score of students reached 82.4 with good qualifications. For the N-Gain Test results, the average student score was 0.77 or high qualification. Students' responses to digital flipbook media in learning science (physics) achieved very good qualifications with an average score of 98.47. Thus, it can be concluded that the application of the Contextual Teaching and Learning  model assisted by digital Flipbook media can improve the mastery of vibration and wave material for class VIII2 students at SMPN 8 Ambon.

This study aims to explore the effect of watching English movies on improving students' speaking skills. Using the literature review method, this research analyzes previous studies that discuss the relationship between exposure to English-language films and the development of speaking skills. The results showed that watching English movies contributed to the improvement of vocabulary, contextual understanding, as well as confidence in speaking. In addition, the use of subtitles and movie-based learning techniques such as shadowing proved effective in improving speaking fluency and intonation. The study also revealed that active engagement in movie-based discussions can accelerate language acquisition and increase students' learning motivation. Thus, the integration of English movies in the language learning curriculum is recommended to enrich conventional teaching methods. In conclusion, watching English movies is an effective strategy in improving speaking skills, especially when combined with appropriate pedagogical approaches.

Technological developments in the Digital Era 5.0 have significantly changed the landscape of the accounting profession. Artificial intelligence (AI), big data, blockchain, and the Internet of Things (IoT) are the main factors influencing the transformation in the world of accounting. Accountants are no longer just playing the role of recorders of financial transactions, but are also required to have in-depth data analysis skills and an understanding of new technologies that support efficiency and accuracy in financial management. The biggest challenge faced is the automation of various tasks that were previously done manually, which can reduce the need for conventional accountants. However, on the other hand, this development also opens up opportunities for accountants to increase their role in financial analysis, business planning, and technology-based risk management. This socialization activity aims to provide an understanding to accounting students and high school students regarding the role and challenges of the accounting profession in the digital era. Through a community service program in the form of a Focus Group Discussion (FGD), participants were given insight into the importance of adapting to technological developments and strategies that can be applied to stay relevant in the world of work. The results of this activity showed that the students involved gained a better understanding of the digital transformation in the accounting profession and the importance of developing technology-based skills. Thus, it is expected that future accountants can improve their competitiveness and be ready to face changes in the increasingly digital and complex business world.

This article discusses the implementation of sharia law in the Islamic economic system in Indonesia, focusing on the challenges and opportunities faced. This research uses the method of literature study and interviews with Islamic economic practitioners. The results show that although the regulation of Islamic economics is growing, there are still challenges in terms of public understanding, limited competent human resources, and competition with conventional economic systems. Therefore, a more effective strategy is needed in improving Islamic economic literacy, strengthening regulations, and developing Islamic financial institutions in order to contribute more to the national economy.

This study evaluated the effect of interval training on improving cardiovascular endurance in young athletes. A total of 30 athletes aged 15-18 years participated in an interval training program for 8 weeks. The results showed a significant increase in aerobic capacity and cardiac efficiency compared to the control group that underwent conventional exercise. This study recommends interval training as an effective strategy in improving the physical endurance of young athletes.

The 21st century is marked by the advancement of science and technology, driving increasingly complex changes in life. In the context of education, a multidisciplinary learning approach has become relevant in enhancing students' complex thinking abilities. This approach allows students to integrate various disciplines in solving existing problems, thereby improving their critical, analytical, and creative thinking skills. This study explores the relationship between multidisciplinary learning and students' complex thinking abilities, the factors influencing its implementation effectiveness, and effective multidisciplinary learning strategies. Based on previous research, multidisciplinary learning has been proven to enhance complex thinking skills by up to 35% compared to conventional learning methods. However, its implementation faces several challenges, including a lack of teacher readiness, limited resources, and a learning culture that still emphasizes rote memorization. Therefore, problem-based learning strategies, cross-disciplinary collaboration, and the use of technology are recommended to improve the effectiveness of this approach.

Socks are essential daily wear that require special care, including an effective drying process to prevent unpleasant odors and the growth of bacteria and fungi. Conventional drying methods often face challenges, especially in high-humidity environments or during unfavorable weather conditions. This study aims to design and develop a prototype sock dryer that is more efficient and hygienic. The prototype utilizes a combination of a heater, UV lamp, and humidity and temperature sensors to ensure optimal drying without damaging fabric fibers. A microcontroller-based control system using Arduino Uno is implemented to regulate device operation and monitor sock conditions during drying. Testing results indicate that the device effectively dries cotton socks in damp conditions faster than conventional methods. Additionally, the sterilization feature with a UV lamp helps reduce the risk of microbial growth. This innovation is expected to provide users with a practical, hygienic, and efficient way to dry socks without depending on weather conditions. Further development can be carried out to enhance drying capacity and energy efficiency.