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Cholifatul Laili Ziamona; Sartari Entin Yuletnawati

Jurnal Ilmu Kesehatan 2025 Lembaga Pengembangan Kinerja Dosen

Recurrent aphthous stomatitis (RAS) is a common inflammatory condition of the oral mucosa characterized by round or oval ulcers with well-defined reddish borders and a shallow base covered by a grayish or yellowish fibrinous pseudomembrane. RAS is generally classified into three clinical types—minor, major, and herpetiform based on the size, number, and duration of the lesions. Several factors contribute to its occurrence, including bacterial infections such as Streptococcus sanguis, immune system dysfunctions, and nutritional deficiencies involving iron, vitamin B12, and folic acid. Other potential triggers include local trauma, hormonal or endocrine imbalances, psychological stress, and allergic reactions. Among these, anemia due to deficiencies in iron, folate, or vitamin B12 is considered an important etiopathogenic factor, although its exact role has not been fully clarified. The management of RAS primarily focuses on symptom relief, promoting faster ulcer healing, and preventing recurrence through both topical and systemic approaches. Effective treatment often includes improving nutritional intake, maintaining oral hygiene, and addressing underlying systemic or psychological conditions. Understanding the multifactorial causes of RAS is crucial in developing comprehensive strategies for prevention and long-term management of this recurrent oral lesion.

Dyah Anggraini; Ulul Albab; Kristyan Kristyan

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2025 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

This research analyses the effectiveness of implementing the Indonesian Government Internal Audit Standards (SAIPI) at the Sidoarjo Regency Inspectorate in achieving good governance. SAIPI constitutes the guidelines established by the Association of Indonesian Government Internal Auditors (AAIPI) through Regulation Number PER-01/AAIPI/DPN/2021 as the minimum quality standard for the execution of government internal audits. The study employs a qualitative approach, utilising data collection techniques via in-depth interviews, observation, and document analysis. The research informants include the Regency Inspector, Assistant Inspectors, senior auditors, and officials from Regional Apparatus Work Units (SKPD) within the Sidoarjo Regency Government environment. The findings indicate that the implementation of SAIPI at the Sidoarjo Regency Inspectorate has been carried out reasonably well, but still encounters several constraints such as limited auditor competency in computer-assisted audit techniques (CAATs), a lack of structural independence, and suboptimal utilisation of information technology in the audit process. Factors supporting implementation include strong leadership commitment, the availability of clear regulations, and continuous auditor capacity-building programmes. The study concludes that the effectiveness of SAIPI implementation positively contributes to the enhancement of internal oversight quality, accountability in regional financial management, and corruption prevention within the Sidoarjo Regency Government.

Madnur Soleh; Dwi Retnaningsih

Jurnal Ilmu Kesehatan 2025 Lembaga Pengembangan Kinerja Dosen

Malaria is a global health problem, especially in tropical countries like Indonesia. Papua, with 14,586 cases, and Jayapura City in 2023 had 29,938 cases. This is due to nocturnal activities, knowledge, and preventive measures, which contribute to the high incidence of malaria. The purpose of this study was to identify factors associated with malaria incidence at Bhayangkara Hospital Class II, Jayapura. This research was an analytical study with a cross-sectional design. Data collection was conducted using a questionnaire. A total of 82 respondents were recruited using a simple accidental sampling technique. The data obtained were statistically analyzed using the chi-square test. Based on the analysis results, it was found that of the 82 respondents, the characteristics of the respondents were mostly aged > 20 years (74 people (90.2%), male (48 people (58.5%) and unemployed (53 people (64.6%). There was a significant relationship between nighttime activities and malaria incidence at Bhayangkara Hospital Level II Jayapura. (p-value 0.015 <α (0.05). There was a significant relationship between knowledge and malaria incidence at Bhayangkara Hospital Level II Jayapura (p-value 0.000 <α (0.05). There was a significant relationship between malaria prevention measures and malaria incidence at Bhayangkara Hospital Level II Jayapura (p-value 0.008 <α (0.05). Nighttime activities, knowledge and malaria prevention measures were significantly associated with malaria incidence.

Satriya Aldi Putrazta

Majelis : Jurnal Hukum Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study discusses legal protection for victims of human trafficking disguised as job vacancies in Myanmar, which has affected hundreds of Indonesian citizens. This phenomenon shows a new mode of digital-based human trafficking through social media, offering fictitious high-paying jobs that ultimately lead to forced labor in the online scamming sector. This study uses a normative legal research method with a legislative and conceptual approach, which examines Law Number 21 of 2007 concerning the Eradication of Human Trafficking, Law Number 18 of 2017 concerning the Protection of Indonesian Migrant Workers, the 2000 Palermo Protocol, and a number of International Labor Organization (ILO) conventions related to forced labor and labor migration. The results of the study show that this case fulfills the elements of human trafficking as stipulated in Article 2 paragraph (1) of the TPPO Law, because there are elements of recruitment, fraud, confinement, and forced labor exploitation. From an international law perspective, these actions violate the provisions of the Palermo Protocol and the ILO convention on the elimination of forced labor. The Indonesian government has a legal and moral responsibility to provide protection and recovery for victims of TPPO, as well as to ensure the principle of non-criminalization. However, the implementation of protection is still hampered by weak supervision of digital recruitment, jurisdictional limitations, and suboptimal cross-border cooperation. Therefore, it is necessary to strengthen the digital-based migrant protection system, enhance bilateral and multilateral cooperation, and apply the principle of state due diligence in the prevention and enforcement of laws against cross-border TPPO.  

Arnisona Tumiar Br Sinaga; Nelli Roza; Huzaima Huzaima

Jurnal Riset Rumpun Ilmu Kedokteran 2025 Pusat riset dan Inovasi Nasional

Diarrhea is a leading cause of morbidity and mortality in children under five, particularly in developing countries like Indonesia. To reduce the incidence of diarrhea, the government has implemented a policy to prevent it by administering rotavirus vaccination. To determine the relationship between rotavirus vaccination and the incidence of diarrhea in infants in Sadai sub-district, the working area of UPT Puskesmas Sei Panas, Batam City in 2024. This study was a quantitative study with a cross-sectional approach to 72 infants who received rotavirus vaccination.The implementation time starts on October 23 to November 06, 2024. Sampling using cluster random sampling technique. Measurement tools using questionnaires and observation sheets. Analysis of the data used is the chi square test. The study obtained rotavirus vaccination as many as 40 infants (55.6%), the incidence of moderate diarrhea as many as 37 infants (51.4%). Chi-Square test results showed the value of p value = 2.167. Because of the value (p value 2.167 > 0.05), this relationship is not statistically significant. There is no significant relationship between rotavirus vaccination and the incidence of diarrhea in infants in Sadai Village working area of UPT Puskesmas Sei Panas Batam City in 2024.

Halief Rahmadillah Akbar; Nikmatur Rosidah

ARDHI : Jurnal Pengabdian Dalam Negri 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Work activities in workshops often require static and repetitive body positions, such as bending over, lifting heavy loads, or reaching into narrow areas of vehicles. These habits can gradually cause muscle tension and lead to neck and lower back pain. Given the high risk, physiotherapy counseling on occupational safety and health (OSH) and ergonomics was conducted to provide practical understanding to B-Garage, Batu City workshop workers. The counseling was delivered interactively through material presentations, direct discussions, and demonstrations of stretching exercises that can be easily applied in daily activities. The results of the activity showed a very significant increase in knowledge; participants who initially did not understand the principles of ergonomics and musculoskeletal pain prevention were able to identify work risks and practice stretching exercises correctly after the education session. This change was clearly evident from the post-test results, which showed a significant overall improvement compared to the pre-test. These findings indicate that physical therapy education not only enhances knowledge but also promotes behavioral changes toward safer, more comfortable, and more productive work patterns.

Epi Dusra; Ety Dusra; Edi Sugiarto; Agustio Kolyaan

Jurnal Pengabdian dan Solidaritas Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Stunting isaa chronicanutritional problemathat remains a major publicahealth challengeain Indonesia, aincluding inaSeram Bagian Barat District. aOne ofathe risk factors for stuntingaamong children under five is thealow implementationaof Cleanaand HealthyaLiving Behaviora (PHBS) within families and communities. Therefore, this communityaservice programawas carriedaout withathe aimaof improving community knowledge, attitudes, and practices related to PHBS asaan effortato preventastunting inachildren underafive. The implementation methods included health education through interactive counseling, agroup discussions, aand demonstrationsaof PHBSapractices, particularly handwashingawith soap. The program was attended by 30 community menbers, most of whom were mothers with infants and young children. Coordination, collaboration, and theainvolvement ofaboth internalaand externalastakeholders, particularly the head of Waralohi Hamlet, playedaan importantarole in the success of this program. Evaluation results indicated anaincrease inaparticipants’ knowledge and understandingaof PHBS and its relevance to stunting prevention. In addition, the program was considered beneficial due to the appropriate selection of location, high participant enthusiasm, and a conducive implementation atmosphere. In conclusion, the PHBS strengthening program proved effective in raising community awareness to adopt healthy living behaviors that support effortsato preventastunting inachildren underafive.

Siti Rochmaedah; Trysna Ayu Sukardi; Syahfitrah Umamity

Ekspresi : Publikasi Kegiatan Pengabdian Indonesia 2025 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Adolescence is an important period for reproductive health because it is a period of behavioral formation, where at this time, teenagers begin to try new or challenging things, including in health behavior, one of which is free sex behavior. This free lifestyle behavior is greatly influenced by a correct understanding of adolescent reproductive health. The impact that can occur due to free sex behavior is early pregnancy or Unwanted Pregnancy. Adolescent pregnancy is one of the health problems that requires serious attention so that efforts are needed to increase awareness of reproductive health for all teenagers. The purpose of this community service is to increase the knowledge of teenagers at MAN Seram Bagian Barat about reproductive health and increase adolescent awareness in preventing early pregnancy. The method used is to provide education to teenagers at Madrasah Aliyah Negeri Seram Bagian Barat. Teenagers are very enthusiastic about this activity by asking various questions and the active discussion makes teenagers more enthusiastic. The final result is that 26 teenagers have good knowledge after being given education, from previously only 11 teenagers. The conclusion is that teenagers understand how to prevent early pregnancy in teenagers at MAN Seram Bagian Barat. It is hoped that good knowledge will prevent teenagers from engaging in free sex behavior that can result in pregnancy at a young age.

Wiesje Martha Horhoruw; Arnold Ismael Kewilaa

Jurnal Pengabdian dan Solidaritas Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The purpose of this activity is to socialize disease management and demonstration plots for making simple herbal remedies for native chickens in Liang Village, Salahutu District during the rainy season. This activity was carried out in Liang Village, Salahutu District, which took place in September 2025. The target of this activity is native chicken farmers in Liang Village, Salahutu District. The implementation of this PKM activity includes 3 stages, namely: preparation, implementation and monitoring evaluation. The results obtained from the PKM activity are the implementation of socialization activities and demonstration plots for making simple herbal remedies for farmers in Liang Village, Salahutu District, Central Maluku Regency. Socialization related to types of diseases, treatment and prevention of diseases in native chickens. The conclusions that can be conveyed are as follows: increased knowledge about the introduction of native chicken diseases and their prevention, the creation of motivation for business development because they have the right knowledge about the advantages of raising native chickens, increased knowledge and skills about making and administering simple herbal remedies to native chickens, increased knowledge and desire to try native chicken farming as a source of nutritious food and can increase family income, and low mortality rates of native chickens in the rainy season.

Rahman Rahman

Jurnal Pengabdian dan Perubahan Sosial 2025 Lembaga Pengembangan Kinerja Dosen

Diabetes mellitus (DM) is increasingly prevalent globally, including in remote areas such as Bajo Indah Village in the Soropia District of Konawe Regency, Southeast Sulawesi. This community service project aims to monitor blood sugar levels to prevent the onset of diabetes mellitus and facilitate early detection in the region. Obtaining licenses, collaborating with local officials, and preparing medical supplies constituted the employed techniques. The implementation stage involved outreach, interactive counseling, and blood sugar testing with a portable glucometer. Seventy-five individuals participated in the event on July 7, 2025. The findings indicated that 55 individuals (73.3%) exhibited normal blood sugar levels (≤ 140 mg/dL), while 20 individuals (26.7%) presented elevated levels (140–199 mg/dL). The findings indicate that individuals with elevated or diminished blood sugar levels require increased attention. Continuous education and referrals to healthcare facilities for additional treatment can mitigate complications associated with diabetes mellitus.

Evi Zulfiana; Nora Rahmanindar

Jurnal Penelitian Komunikasi dan Sosialisasi 2025 Asosiasi Peneliti dan Pengajar Ilmu Sosial Indonesia

The high rate of stunting in 2025 in the Labaksiu sub-district prompted the government to involve the Office of Religious Affairs (KUA) in stunting prevention efforts. This is based on the view that the process of forming a family is closely related to childbearing, so the KUA was revitalized to include stunting issues in marriage guidance materials. This study aims to examine the communication strategies used in the marriage guidance program to prevent stunting in the Labaksiu sub-district. The method used is qualitative descriptive, with data collected through in-depth interviews with six informants, consisting of three guidance facilitators, one health officer, and two program participants. The study's findings indicate that the communication strategy in the marriage guidance program for stunting prevention refers to Lasswell's theory, emphasizing the role of a competent communicator, namely a certified facilitator. The material presented covers topics on reproductive health and the development of outstanding generations, delivered in an educational and persuasive manner. The media used include modules and direct delivery by facilitators. The target of the program is prospective couples who have registered at the KUA. The impact of this program is an increase in the knowledge of prospective brides and grooms regarding the importance of preparing for a healthy family.

Ahmad Sauki Warouw

Jurnal Hukum, Pendidikan dan Sosial Humaniora 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The rapid development of digital technology has increased the risk of privacy violations and cybercrimes targeting personal data. This study aims to analyze the role of criminal law in personal data protection and the prevention of cybercrimes in Indonesia, as well as to identify the challenges and strategies for strengthening law enforcement in the digital era. The research method used is a qualitative approach with a juridical-normative method through library research on regulations, particularly Law Number 27 of 2022 concerning Personal Data Protection (PDP Law), as well as related academic literature. The results of the study show that criminal law serves a dual function, acting as a repressive tool through the imposition of criminal sanctions on offenders, and as a preventive instrument in enhancing compliance with data security standards. Although the PDP Law provides a strong legal foundation, its implementation still faces challenges such as the suboptimal functioning of data protection institutions, limited capacity of law enforcement officers, and low public awareness of digital ethics. This study recommends institutional strengthening, enhancement of law enforcement human resource capacity, as well as public education and cross-sectoral synergy to create an effective and sustainable data protection system. Thus, criminal law plays a central role in safeguarding personal data and preventing cybercrimes in Indonesia.

Westri Septiana Nainggolan; Elsa Karolina Damanik; Fatma Tresno Ingtyas; Laurena Ginting

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Relational bullying is a form of bullying that often occurs in the school environment and has a significant impact on the psychological and academic aspects of students. This research aims to analyze the influence of relational bullying on students’ interest in learning at various levels of education. The research method used is literature review by reviewing 11 relevant national journals indexed by Google Scoler, DOAJ and Sinta, which were published between 2018 and 2024. The results of the study show that relational bullying generally appears in the form of exclusion, spreading gossip, manipulation of social relationships, indirect mockery, and seniority behavior. The impacts caused include a decrease in academic confidence, increased anxiety and depression, loss of study concentration, and low student motivation and participation in class. This condition implies a decrease in learning achievement and student involvement in school activities. Based on the findings, it is concluded that relational bullying has a significant negative effect on students’ interest in learning. Therefore, prevention efforts are needed through the establishment of a positive school climate, strengthening the value of empathy, and the provision of sustainable counseling services to create a safe learning environment and support the development of students.

Ghaniyah Latifa Putri; Rasya Mulki Putra; Harits Rahadi

Polygon : Jurnal Ilmu Komputer dan Ilmu Pengetahuan Alam 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

The synchronization of mutex and semaphore mechanisms is an important technique in operating systems for managing concurrent resource access in multi-threaded environments. In the Android operating system, which relies on thread-based programming to maintain performance and responsiveness, these two mechanisms play a vital role in preventing race conditions and ensuring data integrity. A mutex is a locking object that ensures that only one thread can access a specific resource at a time, while a semaphore controls access to a limited number of resources by counting the number of threads that can access them simultaneously. In Android, these mechanisms are implemented using the Lock class for mutexes and the Semaphore class for semaphores, both of which can be used to control synchronization between threads in Android applications. This paper will discuss the application of these two mechanisms in the context of shared resource management, as well as a comparison of their performance and advantages in dealing with complex multi-threading scenarios on Android. Emphasis will also be placed on the challenges faced in using these two mechanisms in Android applications, as well as how proper programming can avoid deadlocks and improve application efficiency.

Mia Nurhayati; Elpa Hermawan; Ondy Ondy

Jurnal Ilmu Komunikasi, Administrasi Publik dan Kebijakan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The background of this research is based on Cervical cancer, a disease that poses a serious threat to women's health in Indonesia. Early detection through prevention programs such as IVA (Visual Inspection with Acetic Acid) is a crucial step in reducing the number of cervical cancer cases. In this effort, an effective communication strategy from the Pasar Minggu District Health Center plays a very important role. This study focuses on the prevention program and communication strategies implemented at the Pasar Minggu District Health Center. This study uses a qualitative approach with a descriptive study method. Data collection techniques were carried out through in-depth interviews with Health Center officers, observations of socialization activities, and documentation. The results show that the communication strategies implemented by the Pasar Minggu District Health Center include informative, educational, and persuasive communication strategies. The Health Center utilizes various communication channels such as social media and direct counseling. Obstacles faced include low levels of public health literacy, stigma against IVA examinations, and limited human resources.

Asfida Rahma; Umi Akromah

Ikhlas : Jurnal Ilmiah Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Wildfires in Los Angeles are a phenomenon that can be analyzed from two main perspectives: science and religion. From a scientific standpoint, these fires are triggered by a combination of natural factors, such as the Santa Ana winds that bring hot and dry air, and climate change, which extends drought periods and increases temperatures. However, human activities, including environmental exploitation, deforestation, and inadequate fire mitigation efforts, have exacerbated the situation. From an Islamic perspective, natural disasters can be seen as tests, warnings, or consequences of human negligence in maintaining environmental balance, as mentioned in the Qur'an (Surah Ar-Rum: 41). This study highlights that wildfires are not merely natural occurrences but also have spiritual dimensions. Islam emphasizes that humans are entrusted as stewards of the earth, responsible for preserving nature rather than passively accepting disasters. Therefore, the best approach to addressing wildfires is to integrate scientific understanding with religious values. Proposed solutions include science-based prevention efforts, such as sustainable forest management and fire mitigation policies, as well as spiritual awareness to appreciate and safeguard nature as a divine trust. By understanding the relationship between science and religion, humanity can take greater responsibility in disaster response and establish a more balanced and sustainable way of life.

Murfi Hidamansyah; Raudhatul Jannah; Ummi Kulsum; Zainun Wahida Fithriani

ARDHI : Jurnal Pengabdian Dalam Negri 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

Pregnant women with Chronic Energy Deficiency (KEK) are in a condition that can affect the health of both the mother and the fetus. KEK in pregnant women increases the risk of Low Birth Weight (LBW) babies, premature birth, maternal and infant mortality. Various efforts have been made to address KEK during pregnancy, yet its prevalence remains high. The aim of this community service is to improve the knowledge and nutritional fulfillment of pregnant women with KEK, as well as the prevention and management of KEK, through education for pregnant women with KEK and also explaining how to improve the nutrition of pregnant women. The target of this community service activity is pregnant women with KEK at the UPTD Camplong Health Center. The implementation of community service was carried out using a quasi-experimental approach with a pre-test and post-test design in the form of questionnaires for all pregnant women. The goal of this activity is to increase pregnant women's knowledge about KEK and balanced nutrition fulfillment. The results and benefits obtained from this community service activity include educating about fulfilling a balanced diet and improving nutrition, as well as increasing knowledge and insight for the community, especially pregnant women with KEK. The conclusion of this community service activity is that education and assistance can be an effective strategy to improve the health of pregnant women with KEK.

Zazkia Amanda Putri Sania; Zidni Imanurrohmah Lubis; Fika Ertitri

Jurnal Pengabdian dan Pembangunan Lokal 2025 Lembaga Pengembangan Kinerja Dosen

Shuttlecock industry workers in Arjosari Village perform many repetitive activities that involve intensive use of their upper extremities, putting them at high risk of musculoskeletal disorders, particularly frozen shoulder. This condition is characterized by pain, limited movement, and decreased shoulder function, which can interfere with work productivity. This community service activity was carried out through community physiotherapy counseling with a promotive and preventive approach, using leaflets, ergonomic education, and demonstrations of simple exercises such as cross-body arm stretches, pendulum exercises, arm circles, finger walk exercises, and towel exercises. The methods used included pre-tests, material delivery, exercise practice, discussions, and post-tests to assess knowledge improvement. The results of the activity showed that the majority of workers had experienced initial shoulder complaints, with a predominance of female respondents (93.33%). Average knowledge increased from 0% on the pre-test to 100% on the post-test. The counseling proved effective in increasing workers' understanding of frozen shoulder prevention, thereby reducing the risk of shoulder pain and increasing work productivity

Eka Kumala, Rendra; Amalia, Kaniati; Khamidi, Amrozi; Hazin, Muffarihul

International Journal of Educational Evaluation and Policy Analysis 2025 Asosiasi Riset Ilmu Pendidikan Indonesia

This study aims to analyze the implementation of the policy on drug abuse education programs for students in Senior High Schools. The main focus of this research is to examine the extent to which government and institutional policies have been effectively implemented within the school environment. The problem identified in the field indicates that the implementation of anti-drug education programs has not been optimal, due to limited coordination among stakeholders, inadequate resources, and the low level of teacher and student participation in preventive activities.This research employed a qualitative descriptive approach with a case study design conducted in several Senior High Schools that implemented drug abuse education programs. Data were collected through in-depth interviews, observations, and document analysis. The research questions focused on: (1) how the policy on drug abuse education programs is implemented in schools; (2) what factors support and hinder its implementation; and (3) how the implementation of the policy affects students’ understanding and attitudes toward drug abuse prevention.The results revealed that the policy implementation was partial and not yet fully integrated into the curriculum or school culture. The main supporting factors included the strong commitment of school principals and partnerships with the National Narcotics Board (BNN), while the main inhibiting factors were limited human resources, weak policy monitoring, and a lack of contextualized educational materials. Nevertheless, the program has had a positive impact on improving students’ awareness and preventive attitudes toward drug abuse, especially when activities were conducted collaboratively and sustainably.

Harlina Hamid; Muhammad Fadli Faisal Rasyid

IJLS (International Journal of Law and Society) 2025 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Digital transformation in the banking sector has introduced numerous conveniences in financial transactions, yet simultaneously opened opportunities for increasingly sophisticated and damaging new forms of crime. This article comprehensively analyzes criminal policy in combating digital banking crime in Indonesia, exploring the legal, technological, and institutional challenges faced, and formulating effective prevention strategies. Through systematic literature review and critical policy analysis, this research demonstrates that digital banking crime in Indonesia has experienced significant increases both in quantity and complexity of modus operandi, encompassing phishing, skimming, hacking, social engineering, banking trojan malware, and various technology-based fraud schemes. Financial losses amount to trillions of rupiah annually, excluding the psychological impact on victims and erosion of public trust in digital banking systems. Research findings identify fundamental challenges in combating digital banking crime, including limitations in legal frameworks that have not fully accommodated technological developments, gaps in law enforcement capacity for cyber investigation, complexity of evidence in digital cases, complicated cross-border jurisdiction, rapid evolution of crime modi outpacing regulatory adaptation, and low digital security literacy among banking service users. Policy analysis shows that penal approaches through criminalization and law enforcement, while important, are insufficient without comprehensive non-penal strategies.