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This research is aimed at studying and analyzing the financial report ratios of PT. Semen Indonesia (Persero) Tbk to assess the company's financial performance for the 2022-2023 period. Research on PT's financial reports. Semen Indonesia (Persero) Tbk. This is aimed at reviewing and assessing the company's financial performance in the 2022-2023 period. The data was researched and analyzed based on PT's financial reports. Semen Indonesia (Persero) Tbk. In collecting data, researchers used documentation techniques, in the form of secondary data obtained from financial reports. The technical analysis used is technical analysis in the form of a descriptive quantitative approach. The results of this research were obtained from calculations and analysis, starting from the Liquidity Ratio using four formulas, the results obtained were Current Ratio, Quick Ratio, Cash Ratio were not good in 2022 and 2023, while Cash Turn Over was not good in 2022 and was said to be good in 2023 . Solvency formulas using three formulas show that the Debt to Asset Ratio results are both less good in 2022 and 2023, while the Debt to Equity Ratio and Fixed Charge Coverage are said to be good in 2022 and 2023. The Activity Ratio results using five formulas for Total Assets. Turn Over, Fixed Asset Turn Over, Working Capital Turn Over, Inventory Turn Over and Receivable Turn Over are not good in 2022 and 2023. The Profitability Ratio uses three formulas to obtain the results of Return on Equity (ROE), Profit Margin on Sales and Return on Investment (ROI) is not good in 2022 and 2023. Working Capital Turn Over, Fixed Asset Turn Over and Total Asset Turn Over are not good in 2022 and 2023. Profitability Ratios use three formulas to obtain Profit Margin on Sales, Return on Investment (ROI) results ) and Return on Equity (ROE) will not be good in 2022 and 2023.

Abstract. During the pandemic, there were many people who suffered big losses and had an impact on the economy, so this caused people who experienced a downturn in the economy to be particularly encouraged to apply for loans via the internet. Especially online loan transactions are very supportive because they are very easy to reach. So, people don't need to leave the house to carry out this transaction. The research being carried out has the aim of discussing the rise of online loans during the pandemic and a review of sharia economic law on online loans during the pandemic and an evaluation of sharia economic law on online lending practices is the main focus of this research. The method used is descriptive qualitative, with a literary nature because it analyzes and discusses to conclude the legal status regarding online loans. Keywords: Online Loans, Islamic Economic Law, Pandemic Abstrak. Selama pandemi, masyarakat banyak sekali orang-orang yang merugi besar dan berpengaruh dalam perekonomian, sehingga pada hal ini menyebabkan masyarakat yang mengalami penurunan dalam perekonomian terdorong terutama untuk mengajukan pinjaman melalui internet. Terutama transaksi pinjaman online ini sangat mendukung karena sangat mudah dijangkau. Jadi, masyarakat tidak perlu meninggalkan rumah untuk melakukan transaksi ini. Pada penelitian yang sedang dilakukan ini memiliki tujuan yang dapat membahas tentang marakya pinjaman online selama pandemi dan tinjauan hukum ekonomi syariah pada pinjaman daring selama pandemi dan evaluasi hukum ekonomi syariah terhadap praktik pinjaman daring ini adalah fokus utama penelitian ini. Metode yang digunakan adalah deskriptif kualitatif, dengan sifatnya yang bersifat kepustakaan karena menganalisis dan mendiskusikan untuk menyimpulkan status hukum mengenai pinjaman daring. Kata kunci: Pinjaman Daring, Hukum Ekonomi Syariah, situasi pandemi

Implementing Community Service (PKM) activities is very important because it will provide an introduction and knowledge about entrepreneurship. Empowerment and development of local potential through digitalization has become the main focus in Medokan Semampir RW 03. This research aims to explain the method of activities carried out in solving problems related to the development of MSMEs in the region. Through this activity method, it is hoped that empowerment and development of local potential can be achieved by improving the problems faced by MSME actors. Steps such as consultation with local authorities, direct approaches to MSME players, as well as providing education and assistance in the form of banners and stickers are expected to help improve marketing and branding of their products. Apart from that, by creating new business ideas such as making grass jelly iced milk, it is hoped that it can encourage innovation and creativity in local businesses. In the process, follow-up and monitoring of MSME actors as well as evaluation of work program results are carried out to ensure the success of implementing solutions and evaluating their effectiveness. It is hoped that the results of this research will provide benefits in improving the economy and strengthening local potential in Medokan Semampir RW 03. By utilizing digitalization and community empowerment holistically, it is hoped that it can create a conducive environment for the development of MSMEs and improve the quality of life of local communities.

Implementing Community Service (PKM) activities is very important because it will provide an introduction and knowledge about entrepreneurship. Empowerment and development of local potential through digitalization has become the main focus in Medokan Semampir RW 03. This research aims to explain the method of activities carried out in solving problems related to the development of MSMEs in the region. Through this activity method, it is hoped that empowerment and development of local potential can be achieved by improving the problems faced by MSME actors. Steps such as consultation with local authorities, direct approaches to MSME players, as well as providing education and assistance in the form of banners and stickers are expected to help improve marketing and branding of their products. Apart from that, by creating new business ideas such as making grass jelly iced milk, it is hoped that it can encourage innovation and creativity in local businesses. In the process, follow-up and monitoring of MSME actors as well as evaluation of work program results are carried out to ensure the success of implementing solutions and evaluating their effectiveness. It is hoped that the results of this research will provide benefits in improving the economy and strengthening local potential in Medokan Semampir RW 03. By utilizing digitalization and community empowerment holistically, it is hoped that it can create a conducive environment for the development of MSMEs and improve the quality of life of local communities.

In the online era, marketing opportunities using digital technology are very profitable, apart from sellers not having to have a shop, sellers also don't have to go anywhere to sell. The objectives of this activity are (1) Organizing guidance and training for marginalized communities to produce commercial products based on appropriate technology and local resources as well as opportunities to gain access to funding for Micro, Small and Medium Enterprises, (2) Increasing the number of applications of science and technology for the community. This activity was carried out in the first three stages of program socialization and forum group discussion (FGD). The service team planned all the needs that would be used in implementing the service. The service team carried out FGD (Forum Group Discussion) and a cooperation MoU. Second Stage Creating Social Media Accounts Workshop and mentoring on IT knowledge. The third stage of evaluation is carried out to correct any deficiencies found during the service. The main goal is to increase understanding of various social media platforms, effective advertising strategies and ad performance measurement.  The method is to use the PKM method with questionnaires and outreach. The results show an increase in home industry players' understanding of the benefits of social media in digital marketing. They are starting to realize the potential of the online market without high advertising costs. This socialization has the potential to increase the application of digital marketing in the home industry. It is recommended that home industry players continue to develop digital marketing capabilities and collaborate to share experiences in managing advertising on social media.

The Teaching Campus Program is a Ministry of Education and Culture program that offers Indonesian students to hone their skills according to their talents and interests. The Teaching Campus Program is to introduce students as part of improving reading learning, especially in implementing the School Literacy Movement (GLS).  The School Literacy Movement (GLS) is an activity that must be carried out to support the realization of effective learning and aims to understand one's abilities through reading, listening, speaking, and writing. This study aims to determine the implementation of the School Literacy Movement (GLS) through the Teaching Campus program at Jojogan State Elementary School and to find out the supporting and inhibiting factors for Teaching Campus students in implementing the School Literacy Movement (GLS) at Jojogan State Elementary School. Using a qualitative research approach where the type of research is descriptive. Data collection techniques use observation, interviews, and documentation. In collecting field data, researchers used participant observation and interviews, followed by data analysis. The data analysis technique uses data reduction, data presentation, and conclusion drawing. The results showed that the implementation of the School Literacy Movement through the Teaching Campus Program succeeded in running the literacy program in the school with various literacy programs. By using several stages, namely the planning stage, the implementation stage, and the evaluation stage. The supporting and inhibiting factors of this program include the existence of a teaching campus program, facilities and infrastructure, and collaboration between teachers and students. Meanwhile, the inhibiting factors of this program include the learning culture of students who are not conducive, or are not accustomed to a culture of literacy, and there is no school librarian to manage the library as a means of the Literacy Movement program at school.

Herbalife is a company engaged in health goods that offers a variety of health products that can meet nutritional needs to support the health of the body. Herbalife products have ingredients that can increase energy intake for the body, build muscle mass, to maintain stamina and body health. In some cases, consumers tend to compare Herbalife products with other similar nutritional products. Consumers do an alternative evaluation stage because consumers will see the price aspect of this product with the price of middle-to-upper class products. This study aims to determine the influence of product innovation and product diversity on purchasing decisions at Herbalife Malang Nutrition Club House. This study uses quantitative research involving variables of Product Innovation, Product Diversity and Purchasing Decisions.This research data was collected by distributing questionnaires to 116 respondents who were members of Club Baruna. This study used purposive sampling techniques with primary and secondary data. Data analysis in this study used descriptive analysis, validity test, reliability test, classical assumption test, multiple linear regression analysis and processed using IBM SPSS Statistic 25 for Windows. The results of data analysis conducted through hypothesis testing showed positive results where the variables of product innovation and product diversity had a positive and significant influence on purchasing decisions at the Herbalife Malang Nutrition Club House.

Financial reports contain information about a company's finances which can be used to assess the company's performance in a certain period, so financial reports are very important for business owners because financial reports can see the financial condition of a business and carry out performance evaluations in order to advance the business. Financial reports can also be applied to MSMEs in Indonesia. However, the obstacle faced by MSMEs is regarding financial reports. Many MSMEs do not make financial reports due to a lack of knowledge in the financial sector and a lack of awareness of the importance of financial reports in running a small business. This research includes a case study approach with qualitative methods, collecting and retrieving data in this research in the form of observation, interviews and documentation. The research results show that the problem in this research is the limited human resources in preparing financial reports.

One of the consequences of poor nutritional management in toddlers is stunting. One nutritious alternative food to prevent stunting at a relatively cheaper price is sweet corn. Sweet corn is increasingly popular and widely consumed because it has a sweeter taste than regular corn (Kartika, 2019). Siswono (2004 in Surtinah, 2013) reported that the sugar content of the master sweet variety is 16 – 18%, close to the sugar content of cane, namely 19%. Sweet corn contains 96 cal Energy, 3.5 g Protein, 1.0 g Fat, 22.8 g Carbohydrates, 3.0 mg Calcium, 111 mg Phosphorus, 0.7 mg Iron, Vitamin A 400 SI, Vitamin B 0, 15 mg, Vitamin C 12.0 mg, and water 72.7 g Iskandar, 2006). This service activity was carried out at the Kampung Jawa Village Hall, Blangkejeren District, Gayo Lues Regency. The parties involved in this activity were lecturers from the Agrotechnology and Forestry study program, PSDKU Gayo Lues, Faculty of Agriculture, Syiah Kuala University as resource persons, as well as the Agrotechnology and Animal Husbandry study program, Faculty of Agriculture, Gunung Leuser University, Aceh Kutacane, village midwives as partners, village heads as facilitators and the village community. Javanese Village as a participant. Survey of activity locations, socialization of service activities, implementation of service activities, evaluation of service activities. The conclusions from this activity are: 1. Regarding the causes, characteristics, dangers and prevention of stunting by related parties, this is one of the first steps in efforts to improve the nutrition of pregnant women and toddlers in the Kampung Jawa Village community. 2. Sweet corn is an alternative food source that can be consumed by pregnant women and toddlers to prevent stunting. 3. This activity attracts the attention of mothers participating in socialization and Posyandu in Kampung Jawa Village and can increase their knowledge about preventing and handling stunting.

The aquaponic plant empowerment mentoring program at Emerald Garden Housing, Bumiayu, aims to improve community skills and welfare through environmentally friendly cultivation technology. Aquaponics is a system that combines the cultivation of fish (aquaculture) and plants (hydroponics) in a mutually beneficial environment. This activity includes several stages, namely socialization, training, technical assistance and evaluation. The methods used include outreach, direct demonstrations, and field practice involving all residents. The program results show an increase in community knowledge and skills in managing aquaponic systems, as well as a significant increase in plant and fish production. Apart from that, this program also has a positive impact on improving the household economy and local food security. From the evaluation results, it can be seen that there is high enthusiasm from the community to continue developing and utilizing this aquaponic technology. This program has succeeded in creating a sustainable community empowerment model that can be replicated in other areas. The challenges faced include limited land and the need for technical adjustments that require further attention

The rapid development of the tourism sector and the business sector in North Sumatra, one of which is Samosir, is a factor in the increasing demand and needs of local and foreign tourists. This research aims to analyse the business feasibility of Silimalombu Village Ecovillage. This research uses SWOT analysis to analyze the development strategy. Technical data analysis used in this research is by means of interviews, observation and documentation. The method used in this research is descriptive quantitative analysis. To analyse the financial aspects, the Net Present Value, IRR and Gross B/C Ratio methods were used. While to assess other aspects, factors that are considered important in the assessment are used. The result of this research is that Silimalombu Village Ecovillage is feasible to run and develop. After being analysed using investment criteria, the results found are Gross B / C Ratio 1.69> 1, Net Benefit Cost Ratio 2.63> 1 Probitability Ratio> 1, Net Present Value, 1,682.7> IRR 34%, meaning that the Go project is feasible.

Abstract. Education plays an important role in shaping a bright and sustainable future, with creative and fun learning as the key to creating an inspiring learning environment. This article examines the event "SEBATIK - Batik Art for Creative Culture" held at the Yayasan Cinta Yatim dan Dhuafa, Cirendeu, South Tangerang on July 20, 2024. This event aims to introduce and preserve batik art, as well as to arouse interest and appreciation for traditional arts among the children of the foundation. With a creative and interactive approach, this workshop teaches basic batik techniques through training and direct practice, and provides appreciation to participants through prizes. The evaluation results show that this activity has succeeded in increasing the creativity and skills of children, as well as strengthening the relationship between the foundation and the community. This workshop also has the potential to open up new business opportunities for foster children, increasing their economic independence in the future. This article presents details of the event implementation, the results achieved, and its impact on participants and the foundation.

The postpartum period is a recovery period, postpartum care is needed so that mothers can make psychological adaptations in the postpartum period, Postpartum depression is depression that occurs in women after giving birth, which occurs within a period of 4 (four) weeks, several months or even several years if not treated, the purpose of this community service is to provide education to pregnant women and postpartum mothers regarding the prevention of the dangers of postpartum depression, this activity is to increase mothers' understanding of the dangers of postpartum depression. This community service activity was attended by pregnant women and postpartum mothers at the Kassi-Kassi Health Center which was attended by 18 people. This activity method was carried out twice by providing a pre-test, lecture and continued post-test by filling out a questionnaire. In the evaluation, interviews were conducted with pregnant women and postpartum mothers to determine the dangers of postpartum depression. The results achieved in community service activities at the Kassi-Kassi Health Center were that postpartum mothers gained knowledge about the dangers of postpartum depression and there was an increase in knowledge about the dangers of postpartum depression. The pre-test results were 58.82%, there was an increase in the post-test which showed post-test knowledge of 82.35%. The conclusion is that education for pregnant and post-partum mothers can prevent post-partum depression.

Abstract. Education plays an important role in shaping a bright and sustainable future, with creative and fun learning as the key to creating an inspiring learning environment. This article examines the event "SEBATIK - Batik Art for Creative Culture" held at the Yayasan Cinta Yatim dan Dhuafa, Cirendeu, South Tangerang on July 20, 2024. This event aims to introduce and preserve batik art, as well as to arouse interest and appreciation for traditional arts among the children of the foundation. With a creative and interactive approach, this workshop teaches basic batik techniques through training and direct practice, and provides appreciation to participants through prizes. The evaluation results show that this activity has succeeded in increasing the creativity and skills of children, as well as strengthening the relationship between the foundation and the community. This workshop also has the potential to open up new business opportunities for foster children, increasing their economic independence in the future. This article presents details of the event implementation, the results achieved, and its impact on participants and the foundation.

The postpartum period is a recovery period, postpartum care is needed so that mothers can make psychological adaptations in the postpartum period, Postpartum depression is depression that occurs in women after giving birth, which occurs within a period of 4 (four) weeks, several months or even several years if not treated, the purpose of this community service is to provide education to pregnant women and postpartum mothers regarding the prevention of the dangers of postpartum depression, this activity is to increase mothers' understanding of the dangers of postpartum depression. This community service activity was attended by pregnant women and postpartum mothers at the Kassi-Kassi Health Center which was attended by 18 people. This activity method was carried out twice by providing a pre-test, lecture and continued post-test by filling out a questionnaire. In the evaluation, interviews were conducted with pregnant women and postpartum mothers to determine the dangers of postpartum depression. The results achieved in community service activities at the Kassi-Kassi Health Center were that postpartum mothers gained knowledge about the dangers of postpartum depression and there was an increase in knowledge about the dangers of postpartum depression. The pre-test results were 58.82%, there was an increase in the post-test which showed post-test knowledge of 82.35%. The conclusion is that education for pregnant and post-partum mothers can prevent post-partum depression.

In science and science learning, the emphasis is on concepts related to people's lives and the environment. Students are expected to have basic abilities for logical and critical thinking, curiosity, inquiry, problem solving, and skills in social life. The humanistic learning model views students as subjects who are free to determine the direction of their lives. Students are directed to be fully responsible for their own lives and also for the lives of others. In this research, researchers used a qualitative research approach. Several approaches that are worth using in this method are dialogical, reflective and expressive approaches. The dialogical approach invites students to think together critically and creatively. The teacher does not act as a teacher who only provides material intake that students need as a whole, but the teacher only acts as a facilitator and dialogue partner. The population in this research is all teachers and students. Meanwhile, the samples taken in this research were school principals, science and science teachers and students. Humanistic education in science and science learning is an alternative in realizing education that has a very significant influence on future generations. Applying humanistic education in learning can increase students' intrinsic motivation. So that students tend to be enthusiastic and involve themselves actively in learning when they are listened to, appreciated, cared for and treated well. Applying humanistic education to the science and science learning process grade V at SD Negeri 050728 Tanjung Pura can be done using procedures such as planning, implementation and evaluation.

The concept of the green economy serves as a global strategy to address social, economic, and environmental crises. It involves the development, implementation, and evaluation of various approaches to promote sustainability, reduce poverty, and support vulnerable social groups. This study explores the role of the green economy in economic recovery and multilateral issues using a descriptive literature-based method. The findings suggest that implementing a green economy can drive national recovery and address global challenges. Policymaker collaboration and public support are crucial for ensuring a sustainable and environmentally healthy ecosystem for present and future generations.    

Digital literacy is the ability to obtain, understand, and use information based on various digital sources. Information and communication technology development was increasing rapidly, and the Republic of Indonesia Constitution number 14 year 2005 demanded professional teachers be able to utilize digital technology and assess the validity of information from digital sources. Gilster said there are four aspects of digital literacy competence: internet searching, guidance of hypertext, evaluation of information content, and knowledge assembly. The researcher focuses on the problem of the digital literacy ability of Islamic education teachers and civil servants in Islamic education learning. The type of this research is field research with descriptive and qualitative approaches, which did not produce statistical analysis procedures or quantification methods. However, the research was analyzed through illustrations, narrative and interpretive words. Data collection was carried out through interviews, observation, and documentation. The research results showed that: First, based on the internet searching for Islamic Education teachers at MTsN 1 Hulu Sungai Tengah and MTsN 3 Hulu Sungai Tengah can search the information on the internet using search engines. Second, the ability to guide hypertext or hypertextual navigation of Islamic Education teachers at MTsN 1 Hulu Sungai Tengah and MTsN 3 Hulu Sungai Tengah still require a deeper understanding. Third, based on the ability to evaluate the information content of Islamic Education teachers at MTsN 1 Hulu Sungai Tengah and MTsN 3 Hulu Sungai Tengah, Islamic Education teachers still need to be more critical of the information that they find on the internet. Fourth, the ability to have a knowledge assembly for Islamic Education teachers at MTsN 1 Hulu Sungai Tengah and MTsN 3 Hulu Sungai Tengah also still needs deeper knowledge and understanding. Fifth, the ways implementation of digital literacy in the learning process of Islamic Education are using a computer laboratory, a laptop, and LCD to convey the information or material from the internet.

The aim of this research is to classify Indonesia's trade balance data using the SVM (Support Vector Machine) method with two features, namely Gross Regional Domestic Product (X1) and Wholesale Price Index (X2). Classification is carried out by comparing two types of kernels, namely polynomial kernels and RBF (Radial Basis Function) kernels. Equality Hyperplaneobtained from the polynomial kernel is: . The Hyperplane equation obtained from the RBF kernel is:  Experimental results show that classification with polynomial kernels provides better performance than RBF kernels. This can be seen in the evaluation results which show that the Polynomial kernel has an average model goodness of 75.93% and for the RBF kernel the average model goodness is 74.07%. Leave One Out cross validation (LOOCV) simulation for training data obtained an average accuracy of 76.67% for the polynomial kernel and 66.67% for the RBF kernel. This shows that in this classification context, kernel polynomials are more effective in separating data classes.

Kemiri Village is one of the villages located in Sidoarjo Regency. Most of the people in Kemiri Village work in the agricultural sector and small MSMEs. One of the plants that is often found is the betel plant which grows in people's yards and has not been utilized optimally. The community service program carried out by National Defense Thematic Community Service (KKN) Group 5 Batch 2 UPN Veteran East Java students is a socialization and training program for making dishwashing soap made from betel leaves which is economically valuable. The method used in this service It goes through several stages, namely the preparation stage, implementation stage and evaluation stage. This activity was attended by PKK women from Kemiri Village who were enthusiastic and enthusiastic. The result of this activity is to provide knowledge and skills to residents to be able to utilize existing natural resources optimally so that the potential of betel leaves can be utilized more effectively. This does not rule out the possibility of producing products that have attractive sales potential, thereby creating new economic opportunities and increasing the welfare of the community in Kemiri Village, Sidoarjo.