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Fenomena meningkatnya penggunaan layanan pinjaman online di kalangan mahasiswa menimbulkan kekhawatiran terhadap potensi risiko finansial yang dapat mengganggu kesejahteraan dan performa akademik mereka. Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis perilaku manajemen risiko mahasiswa STIEPARI Semarang dalam penggunaan layanan pinjaman online, mengidentifikasi faktor-faktor yang memengaruhi pembentukan perilaku tersebut, serta memahami implikasinya terhadap kesejahteraan finansial mahasiswa. Penelitian menggunakan pendekatan kualitatif deskriptif dengan desain fenomenologi, melibatkan 14 mahasiswa sebagai informan utama. Temuan menunjukkan adanya kesenjangan substansial antara pemahaman konseptual mahasiswa tentang risiko dengan praktik aktual dalam pengambilan keputusan finansial, di mana mahasiswa dengan latar belakang pendidikan ekonomi tidak selalu menunjukkan perilaku manajemen risiko yang lebih baik. Rekomendasi penelitian mencakup pengembangan program edukasi berbasis experiential learning, implementasi sistem mentoring oleh mahasiswa senior, dan pembentukan early warning system untuk mendeteksi mahasiswa berisiko mengalami masalah kredit.

Penelitian ini membahas peran dan tanggung jawab Pejabat Pembuat Akta Tanah (PPAT) dalam pembuatan akta hibah, dengan fokus pada implikasi sengketa hukum yang terlihat pada Putusan Nomor 1316/Pdt.G/2023/PA.Jepr. Permasalahan dalam penelitian ini adalah tingginya jumlah sengketa terkait akta hibah di Indonesia yang menunjukkan belum optimalnya peran Pejabat Pembuat Akta Tanah (PPAT) dalam menjamin keabsahan dan legalitas dokumen. Kondisi ini menimbulkan pertanyaan mengenai bagaimana regulasi mengatur peran dan tanggung jawab PPAT dalam pembuatan akta hibah, serta bagaimana permasalahan hukum yang muncul dipertimbangkan oleh hakim dalam memutus perkara sengketa akta hibah tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif, dengan pengumpulan data melalui studi dokumen, wawancara, dan literatur hukum. Penelitian ini menunjukkan bahwa tanggung jawab utama PPAT dalam pembuatan akta hibah mencakup syarat formil dan materiil sesuai PP No. 37/1998, KUH Perdata, dan KHI, termasuk verifikasi dokumen, identitas, status tanah, serta persetujuan ahli waris. Sengketa  dalam Putusan No. 1316/Pdt.G/2023/PA.Jepr, timbul akibat dugaan hibah fiktif dan kurangnya kehati-hatian PPAT, namun penggugat PPAT tidak dapat dibuktikan dan akta hibah secara administratif telah memenui syarat.Hakim menyatakan gugatan tidak diterima karena cacat formil Penelitian ini menyarankan agar PPAT lebih berhati-hati dalam menjalankan tugasnya dan lebih proaktif dalam mencegah potensi sengketa hukum terkait hibah tanah.

Dalam pelaksanaannya, jaminan fidusia bisa dieksekusi dengan menggunakan sertifikat jaminan yang memiliki kekuatan hukum setara dengan putusan pengadilan yang sudah bersifat tetap dan mengikat. Namun dalam penerapannya, hal ini menimbulkan polemik karena adanya ketimpangan hukum, hingga terbitlah Putusan MK Nomor 18/PUU-XVII/2019. Penulisan ini membahas mengenai pengaturan kekuatan eksekutorial Pasal 15 ayat (2) dan (3) UU Jaminan Fidusia, baik sebelum maupun sesudah terbitnya Putusan MK Nomor 18/PUU-XVII/2019, dan implikasinya dengan menggunakan metode hukum normatif yang berlandaskan studi kepustakaan dengan pendekatan perundang-undangan dan kasus. Hasil yang didapatkan adalah parate eksekusi yang dijalankan cenderung melanggar prinsip due process of law, sehingga terjadi pergeseran paradigma dari sistem eksekusi yang absolut menuju sistem eksekusi yang berkeadilan dan sejalan dengan prinsip negara hukum yang menjamin kepastian serta perlindungan hak konstitusional para pihak. Pergeseran tersebut menjadikan pembagian hak dan kewajiban antara debitur dan kreditur menjadi lebih adil, transparan, dan sesuai dengan prinsip keadilan substantif.

The implications of progressivism in learning serve as an essential foundation for building an educational process that fosters active, creative, adaptive, and innovative students in accordance with 21st-century competency demands. The progressive approach positions students at the center of the learning process through direct experience, deep exploration, collaboration, dialogue, experimentation, and problem-solving relevant to real-life contexts, ensuring that learning is not only focused on content mastery but also on the development of potential, character, independence, and higher-order thinking skills. This study employs a literature review method by examining primary and secondary sources on the principles of progressivism, active learning strategies, and their relation to the Merdeka Curriculum as a foundation for national educational transformation. The findings indicate that progressivism plays a significant role in shaping critical thinking, creativity, communication, collaboration, digital literacy, and initiative through the implementation of learning by doing, project-based learning, simulations, scientific experiments, reflective discussions, and technology integration that strengthens learner autonomy. This experience-based approach effectively supports students in constructing knowledge independently while enhancing confidence, responsibility, social awareness, and cooperative skills. However, its implementation still faces challenges such as passive learning culture, limited teacher competence in active methods, insufficient facilities, overloaded curriculum, psychosocial barriers, academic anxiety, and students’ low confidence in expressing opinions. These findings affirm that progressivism is highly relevant to educational reform in Indonesia; therefore, improving teacher competence, strengthening facilities, reinforcing policies, providing continuous support, and creating safe, democratic, inclusive, and supportive learning environments are essential to help students develop optimally as independent, creative, and innovative learners.

This qualitative literature review examines the dysfunctional costs that emerge within Management Control Systems (MCS), a critical organizational mechanism designed to align employee behavior with strategic objectives. Although prior studies have extensively explored the benefits of control systems, discussions on the unintended and often hidden costs remain fragmented. This article aims to synthesize theoretical insights and conceptual debates surrounding four major categories of dysfunctional costs: behavioral displacement, game-playing, operating delays, and negative attitudes. Using a traditional literature review approach, the study integrates foundational theories including agency theory, behavioral control theory, and goal-setting theory with contemporary conceptual findings to identify key behavioral mechanisms that trigger dysfunctional outcomes. The review reveals that overly rigid controls, inappropriate performance targets, and misaligned incentives frequently prompt short-termism, budget slack, manipulation, bureaucratic delays, and psychological strain among employees. These dysfunctional costs can surpass direct control costs and reduce organizational adaptability and long-term performance. The study highlights the need for context-sensitive control design, balanced use of results and action controls, and enhanced attention to behavioral responses when implementing MCS. The implications underscore that effective control is achieved not through tighter rules alone but through thoughtful alignment between control mechanisms, human behavior, and organizational context.

Based on the ideal phenomenon of making any object a subject of discourse study, the author selects a book as the research object, using Norman Fairclough's theory as the analytical tool. Norman Fairclough's theory analyzes a text based on relations, identities, production, consumption, and socio-culture. The implementation of this theory is applied to the book titled Pengajian Ramadhan Kiai Duladi (Ramadhan Teachings by Kiai Duladi) to determine the author's intention within the text based on the text's production and the socio-cultural context of religious issues that occur during the month of Ramadhan. The research model used is qualitative descriptive. The research object is sourced from a title called Kiai Pemburu Dolar (Kiai the Dollar Hunter). For data collection, the author utilizes the documentation technique, gathering information or evidence through the examination of archives and documents that have been transcribed into written form. The results of the research conclude that, in the textual dimension, the book's author emphasizes the use of diction in their work. Meanwhile, in the discursive practice dimension, the author adjusts their status and educational background in the text's production, and the consumption is intended for all social levels. In the socio-cultural dimension, the author focuses more on social issues related to religion that frequently arise during the month of Ramadhan.

The era of automation has brought profound changes to the educational landscape through the integration of intelligent technologies, artificial intelligence, and digital systems that increasingly shape learning processes. This transformation not only affects the interaction patterns between educators and learners but also shifts foundational educational values and introduces significant ethical challenges. In the context of Islamic education, these changes require a reformulation of relevant educational values to preserve learners’ moral and spiritual integrity. This study aims to analyze Islamic educational values in the age of automation and examine their ethical implications for strengthening character education. Through a comprehensive literature-based approach, the study finds that values such as amanah (trustworthiness), adl (justice), ihsan (excellence), mas’uliyyah (accountability), and mujahadah (perseverance) serve as essential instruments in building learners’ character so they can use technology wisely and responsibly. Furthermore, the study emphasizes that automation demands the integration of digital literacy and Islamic moral literacy to prevent dehumanization, digital plagiarism, technology dependence, and the decline of spiritual awareness. The findings indicate that character education grounded in Islamic values provides a strong ethical framework for addressing emerging moral risks in the digital era. Therefore, curriculum reconstruction, strengthening the role of educators as “digital murrabbi,” and the proportional use of technology aligned with maqāṣid al-syarī‘ah are required. This research contributes by offering a comprehensive Islamic ethical perspective as a foundational framework for the development of character education amid the rapid and inevitable acceleration of automation.

This paper explores the involvement of International Civil Law in the implications of foreign divorce on land rights by paying attention to the principles contained in International Civil Law. In terms of writing, the author will analyze Decision No. 19/Pdt.G/2014/PN.Sgr. as a review of facts that will be analyzed in accordance with the scope of International Civil Law using relevant research methods. The author reviews that the research method used to compile this writing is juridical-normative based on the applicable laws and regulations and in accordance with what is the subject of discussion. In addition, this paper also pays attention to the theory of legal protection by Philipus M. Hadjon and the principles contained in International Civil Law as supporting aspects in the preparation of this analysis. To strengthen the argument, the author also compares several provisions related to the status of land ownership by foreign parties and the application of pre-marriage agreements as an alternative settlement. The final result of this writing will highlight the correctness of the judge's decision based on the author's analysis and provide suggestions that are considered relevant as solutions that can be offered.

This study aims to analyze the legal consequences arising from changes to personal data made by data subjects on the validity of collateral that has been used as security for credit, as well as to examine the forms of legal protection that may be granted to creditors. Changes to personal data such as identity, address, and the debtor’s legal status may lead to legal uncertainty regarding the validity of credit security agreements, particularly those involving Hak Tanggungan (mortgage rights). In this research, the author employs a normative juridical method using statutory and conceptual approaches. The findings of this study show that changes to personal data without notification or updates to the security documents have the potential to create administrative discrepancies and legal risks for creditors during the execution of the collateral. Legal protection for creditors needs to be strengthened through the regulation of the debtor’s obligation to report any changes in personal data, updates to the security certificates, and clear provisions outlined in the credit agreement. Accordingly, legal certainty between the creditor and the debtor can be maintained in line with the implementation of Law Number 27 of 2022 on Personal Data Protection.

This study analyzes the legal implications of the Merauke Food Estate Project on the principles of sustainable development and Indonesia's commitment to Net Zero Emission (NZE) from the viewpoint of international environmental law. Through a normative legal approach complemented by qualitative empirical analysis, this study reveals that the realization of this project has the possibility of violating national and international environmental principles, which include sustainable development, the precautionary principle, and the polluter pays principle, due to the mass deforestation that increases carbon emissions and the absence of the implementation of the Free, Prior, and Informed Consent (FPIC) mechanism for indigenous peoples. The findings indicate that the legal responsibility of the state and corporations in this project is not fully aligned with Indonesia's commitments under the Paris Agreement and the NZE target. Previously, and Informed Consent (FPIC/PADIATAPA) for indigenous peoples. The findings show that the legal responsibilities of the state and corporations in this project are not completely in line for Indonesia's commitments in the Paris Agreement and the 2060 NZE target, thus requiring policy reconstruction according to a rights-based strategy to ensure a balance between food security, ecological fairness, and a healthy environment.

  Riset ini berorientasi pada tujuan guna mengetahui pengaruh celebrity endorser kepada minat beli produk kecantikan di Instagram. Adapun parameter celebrity endorser dalam riset ini didalamnya adanya daya tarik (attractiveness), kepercayaan (trustworthiness), serta keahlian (expertise). Metode yang dilibatkan yakni metode kuantitatif dalam rupa pendekatan deskriptif serta kausal. Kuesioner disebarkan kepada 104 responden yang berasal dari Lingkungan Garung, Kecamatan Ambarawa, dengan pemilihan responden melibatkan teknik purposive sampling sebagai metode pengumpulan data. Penganalisisan data yang didalamnya ada pengujian instrumen (validitas serta reliabilitas), pengujian praduga klasik, juga pengkajian regresi linier berganda (pengujian t, pengujian F, juga koefisien determinasi) yang diselenggarakan lewat berbantuan perangkat lunak SPSS. Temuan penelitian menandakan bahwasannya parameter daya tarik, kepercayaan, serta keahlian memberi pengaruh dengan simultan pada minat beli pemakai Instagram. Disisi lain secara parsial kepercayaan serta keahlian berisi pengaruh yang berarti kepada minat beli produk kecantikan di Instagram, namun daya tarik tidak berisi pengaruh yang berarti. Fakta ini menjelaskan bahwasannya ketika orang berminat membeli produk kecantikan melalui instagram kredibilitas endorser lebih penting daripada daya tarik fisik secara visual. Implikasi temuan temuan membantu praktisi bisnis memilih endorser yang mempunyai tingkst kepercayaan juga keahlian untuk menumbuhkan minat beli konsumen secara lebih efektif.    

Losing citizenship has significant legal consequences, particularly concerning land ownership rights. According to the Basic Agrarian Law (UUPA) No. 5 of 1960, land ownership is only permitted for Indonesian citizens. Therefore, individuals who lose their citizenship status automatically forfeit their right to own land. This study aims to analyze the legal implications of losing citizenship on land ownership rights and the resolution mechanisms outlined in the UUPA. The research employs a normative legal approach using secondary data sources such as laws and regulations, legal literature, and court decisions. The findings indicate that individuals who lose their citizenship are required to relinquish or transfer their land ownership within one year. If this is not done, the ownership rights will be nullified by law, and the land will revert to the state. This reflects the protection of the principles of nationality and national sovereignty in land control. Therefore, resolving land ownership issues for individuals who lose their citizenship is crucial to balancing individual rights and state interests.

This study aims to explore how religious Muslim students interpret halal labels on product packaging and how these interpretations influence their consumption behavior. In the context of increasing awareness of halal product importance, halal labeling is not just a symbol of religious law, but also a guarantee of quality, safety, and trust. The research uses a descriptive qualitative method phenomenological approach, involving students from UIN Prof. K.H. Saifuddin Zuhri Purwokerto who were selected through purposive sampling. Data was collected through semi-structured interviews, literature study, and documentation, then analyzed using thematic analysis. The findings reveal that highly religious students tend to be more selective, careful, and responsible in choosing products, prioritizing those with halal certification even when priced higher. The halal label provides psychological comfort and certainty that the product aligns with Islamic principles. Additionally, a strong understanding of halal labels increases consumer loyalty and supports the growth of the halal industry through rising demand for certified products. Thus, the halal label plays a significant role in shaping the consumption patterns of religious Muslim students and contributes to the broader development of the halal industry in Indonesia.

This article examines the implications of parental verbal violence on the socio-emotional development of early childhood aged 3–6 years. The study was conducted through an extensive literature review supported by general field observations in community settings. The purpose of this research is to describe the phenomenon of verbal violence experienced by young children, analyze its effects on their emotional security, self-confidence, and social adaptation, and identify contributing factors from both the family environment and parental characteristics. Using a qualitative descriptive approach, relevant books, journal articles, and institutional reports were synthesized to construct a comprehensive understanding of how negative communication patterns shape children’s socio-emotional development. The findings indicate that verbal violence such as yelling, scolding, insulting, labeling, and threatening can disrupt children’s emotional regulation, lower their self-esteem, and hinder their ability to interact positively with peers. Repeated exposure to harsh language also increases the risk of anxiety, aggression, and social withdrawal. Conversely, positive, supportive, and empathetic parental communication fosters emotional resilience, empathy, and healthy social behavior. This article highlights the urgent need for parents, educators, and communities to strengthen awareness regarding the harmful impact of verbal violence and to promote nurturing communication practices that support the holistic development of young children.

This study examines the biblical approach to the truth and inspiration of the Word of God in critical dialogue with Progressive Christian Theology (PCT). Using a qualitative-descriptive method and comparative biblical-theological analysis, the research explores the fundamental differences, points of convergence, and potential integration between the two approaches. PCT emphasizes the importance of socio-cultural context, moral development, and human experience in understanding faith. In contrast, biblical theology affirms the authority and unchanging nature of the Word of God as the foundation of absolute truth that undergirds church doctrine and practice. The findings indicate an urgent need to formulate a balanced synthesis between fidelity to the biblical text and sensitivity to contemporary cultural changes. This integrative approach is not intended to weaken the authority of Scripture but to enrich theological understanding so that it becomes more relevant to modern contexts without neglecting divine truth. This synthesis ultimately produces a model of church growth that is contextual, Scripture-centered, and capable of balancing love and truth in addressing contemporary theological, social, and ethical challenges. The model bears significant implications for shaping congregational spirituality, developing pastoral ministry, and guiding the church’s mission amid increasingly complex cultural shifts.

The implementation of ISO 9001:2015 as a quality management system standard has become a strategic issue in improving the competitiveness, efficiency, and consistency of organizational quality in the era of globalization and digitalization. However, the effectiveness of its implementation still varies depending on the organizational context, resource readiness, and quality culture. This study aims to systematically review the literature related to the implementation of ISO 9001:2015 to answer the main questions: how it affects organizational performance, how it is integrated with other management systems, and what the challenges and directions for future research are. The method used is a systematic literature review through a search of the Google Scholar and Publish or Perish databases using the keywords "ISO 9001:2015," "quality management systems," and "organizational performance." A total of 27 articles published between 2021 and 2025 were analyzed thematically. The review results show four main trends: the implementation of ISO in various sectors, the impact on performance and productivity, integration with other systems such as TQM and ISO 21001, and implementation challenges related to organizational culture and management commitment. In general, ISO 9001:2015 has been shown to improve organizational efficiency and reputation, but its success depends on the synergy between management, digital technology, and a quality culture. Further research is recommended to examine the integration of digital-based ISO and organizational sustainability.

Penelitian ini bertujuan untuk menganalisis strategi sekolah dalam mencegah dekadensi moral siswa di SMK Al–Azami Cianjur. Fenomena kemerosotan moral di kalangan pelajar menjadi tantangan serius di era modern, sehingga lembaga pendidikan Islam dituntut untuk berperan aktif dalam pembinaan karakter. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif yang dilaksanakan di SMK Al–Azami Cianjur selama Oktober–November 2025. Data dikumpulkan melalui observasi dan wawancara dengan kepala sekolah, guru, serta peserta didik, kemudian dianalisis secara deskriptif kualitatif. Hasil penelitian menunjukkan bahwa pencegahan dekadensi moral dilakukan melalui lima strategi utama: (1) pembiasaan religius melalui kegiatan shalat berjamaah, shalat dhuha, puasa sunnah, dan budaya 5S (senyum, salam, sapa, sopan, santun); (2) penguatan pendidikan moral dan etika di setiap mata pelajaran dan kegiatan ekstrakurikuler; (3) pendampingan psikologis melalui layanan Bimbingan dan Konseling (BK) serta kerja sama dengan lembaga STIFIn untuk mengenali potensi siswa; (4) kolaborasi aktif antara sekolah, orang tua, dan masyarakat; serta (5) penerapan disiplin yang tegas namun mendidik. Strategi tersebut membentuk ekosistem pendidikan yang harmonis dan berakar pada nilai-nilai Islam. Implikasi penelitian ini menegaskan bahwa pendidikan karakter berbasis pembiasaan dan keteladanan efektif dalam membentuk generasi berakhlak mulia, disiplin, dan bertanggung jawab di tengah tantangan moral abad ke-21.

Penelitian ini mengeksplorasi dinamika integrasi strategis antara pemasaran digital dan manajemen keuangan pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia dalam konteks transformasi digital. Melalui pendekatan library research dengan orientasi eksploratori-deskriptif, studi ini menganalisis secara komprehensif berbagai sumber primer terkini yang membahas fenomena adopsi teknologi digital dan implementasi manajemen keuangan pada UMKM Indonesia periode 2019-2024. Hasil penelitian mengidentifikasi bahwa meskipun terdapat kesadaran substansial terhadap urgensi transformasi digital di kalangan pelaku UMKM, variasi signifikan teridentifikasi dalam tingkat adopsi dan optimalisasi teknologi digital—dengan platform media sosial seperti Instagram, TikTok, dan Facebook menjadi instrumen dominan dalam strategi pemasaran. Dalam dimensi manajemen keuangan, literasi finansial dan implementasi sistem pencatatan terdigitalisasi terungkap sebagai determinan fundamental bagi keberlanjutan operasional. Interelasi antara pemasaran digital dan manajemen keuangan termanifestasi dalam adopsi sistem pembayaran digital, pengelolaan konten strategis berbasis efisiensi finansial, dan standardisasi proses bisnis terintegrasi. Model pengembangan kapasitas yang direkomendasikan mencakup pelatihan komprehensif, pendampingan berkelanjutan, kolaborasi ekosistemik, standardisasi proses, dan integrasi strategi mitigasi risiko. Implikasi strategis dari integrasi ini meliputi optimalisasi alokasi sumber daya, penguatan kapasitas pengambilan keputusan berbasis data integratif, konstruksi model bisnis responsif, peningkatan keberlanjutan finansial, dan akselerasi skalabilitas bisnis. Temuan ini berkontribusi pada pengembangan kerangka konseptual tentang transformasi digital UMKM dalam konteks negara berkembang dan menyediakan landasan empiris bagi formulasi kebijakan dan strategi bisnis yang memperkuat daya saing UMKM Indonesia di era digital.

Penelitian ini bertujuan untuk mengkaji dampak penutupan perlintasan kereta api Alastuo terhadap peningkatan volume kendaraan dan intensitas kebisingan di kawasan Fly Over Bangetayu, Kota Semarang. Fenomena ini mencerminkan tantangan tata kelola lalu lintas urban akibat perubahan infrastruktur transportasi. Dengan menggunakan pendekatan kualitatif deskriptif, studi ini dilakukan melalui metode studi kasus di lokasi terdampak. Data dikumpulkan melalui wawancara semi-terstruktur, observasi partisipatif, dokumentasi visual, serta pengukuran intensitas kebisingan menggunakan sound level meter pada sembilan titik waktu berbeda selama tiga hari pengamatan. Partisipan meliputi warga sekitar, pengguna jalan, dan petugas lalu lintas. Hasil analisis tematik menunjukkan adanya korelasi positif antara peningkatan volume kendaraan dan intensitas kebisingan, dengan nilai puncak kebisingan mencapai 93,6 dB pada sore hari. Temuan ini menegaskan bahwa perubahan rute akibat intervensi kebijakan infrastruktur dapat menyebabkan beban akustik yang signifikan di jalur alternatif. Penelitian ini memberikan kontribusi pada pemahaman tentang relasi spasial antara kebijakan lalu lintas dan degradasi lingkungan akustik. Implikasi teoretis mengarah pada integrasi studi kebisingan dalam perencanaan transportasi berkelanjutan, sementara implikasi praktis mencakup kebutuhan akan pengaturan lalu lintas yang adaptif serta mitigasi kebisingan melalui vegetasi, jalur alternatif, dan edukasi berkendara. Penelitian lanjutan disarankan melibatkan pendekatan interdisipliner untuk mengevaluasi dampak kebisingan terhadap kesehatan masyarakat secara langsung.

This study compares the educational evaluation systems in Indonesia and Finland and their implications for learning quality. The method used is a library study, collecting data from literature related to educational evaluation policies in both countries. The educational evaluation system in Indonesia is quite complex, implementing various forms of assessment, such as homework (PR), daily tests, mid-semester assessments (PTS), final semester assessments (PAS), and school exams (US). Indonesia also implements the Minimum Completion Criteria (KKM) as a requirement for student graduation. In contrast, Finland implements a simpler evaluation system with an emphasis on formative evaluation, a reduced number of exams, and the absence of the KKM or National Exam (UN). In the Finnish system, students are not held back from a grade, and evaluation is conducted throughout the learning process, focusing on students' continuous development. The results of this study indicate that differences in evaluation systems have a significant impact on learning methods and the development of educational quality in each country. The implication is the need to adapt evaluation policies that integrate holistic and formative aspects to improve learning quality, particularly in Indonesia.