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This study investigated the role of financial literacy and social influence in the actual usage of digital payment as a fintech service systems in an effort to gather information and the degree of risk that users will experience, taking into account the advantages received. This study utilized a descriptive qualitative strategy coupled with a literature review method for data collection, namely the acquisition of data from publications and journals pertaining to the usage of digital payment systems. The data analysis technique employs the approach of deriving conclusions by objectively, systematically, and generally recognizing the many specific qualities of a message. The findings indicated that financial literacy and social influence have a substantial impact on the utilization of digital payment systems. The usage of digital payment services as a type of risky financial behavior raises knowledge and comprehension of financial goods, which will affect judgments on whether or not to utilize these products. This study is limited to a literature review and paves the way for future empirical studies to analyze the elements and dimensions of financial literacy and social influence in the usage of digital payment services in more depth.

Tourism is a travel activity carried out temporarily from the original residence to the destination area with the reason not to settle or make a living but only to fulfill curiosity, spend leisure or holiday and other destinations. One of the new tourism destinations that has a natural charm as if we are standing on a bumpy cloud. This new tourism destination is named after the country above the clouds located in Lebak Regency, Banten, Indonesia. The results of this study the role of social media marketing can introduce and popularize the country's tourism above the clouds located in the district of Lebak, Lebak and can affect the image of tourists about the quality of the destination and can also provide satisfaction and loyalty to tourists.

This study reveals how the relationship between the establishment of the monument and the traditional belief system of the Toba Batak people who still believe in the existence of the spirits of their ancestors. The actualization of this belief is manifested in the construction of an ancestral monument which is considered an embodiment of respect for the descendants of the clan that founded it. To reveal these data, in this study the authors used qualitative research. The data in the field were obtained through participatory observation techniques, interviews, and literature studies. The purpose of this study was to reveal the background of the establishment of monuments in clan groups in Balige District, Toba Samosir Regency which represents the function and meaning of the erection of clan monuments in Balige District. Toba Samosir Regency also describes the organization and implementation of the case for the establishment of the Siraja Nababat, Manurung, Nommensen, Siagian, Sonakmalela and Sisimangaraja XII monuments in and analyzes the conception of the construction of the monument in the Toba Batak community. based on the conception of traditional beliefs that believe in the existence of their ancestral spirits in people's lives. The worship of ancestral spirits is manifested in the construction of monuments. This research was conducted in the Tourism Area in the City of Balige and Porsea – North Sumatra. The aims of this study include: (1) As a deeper learning material about the reasons why Batak Culture built the Tugu, and (2) To explore and promote the richness of culture, tradition, history in the Batak tribe. The results showed that (1) all visitors who came were very enthusiastic about the history of the construction of each existing monument, (2) the role of both local and foreign tourists had a positive impact on the community, namely the development of local community knowledge systems, the emergence of new livelihoods, getting to know language diversity, technological progress, the formation of social organizations, the emergence of the commercialization of hospitality, the shift in the value of solidarity in agriculture. Cultural tourism is a travel activity carried out by certain parties (a person or group of people) by visiting certain places with the aim of learning about cultural attractions or taking advantage of the cultural potential of the places visited.

Pelanusa Group, a group of patchwork craftswomen based on social entrepreneurship, has been facing a drastic decline in market performance for its creative products since the occurrence of disruptive technology accelerated by the Covid-19 outbreak. The purpose of this study is to determine the role of digital platforms and e-commerce marketing capabilities in building marketing innovation capabilities that have an impact on marketing performance. A total of 160 Pelanusa patchwork craftsmen have been selected as respondents using purposive sampling technique. The data collected through the questionnaire was analyzed with SmartPLS 4.0.7.8 Software. The results of the study show that there is a very important role in the use of digital platforms and mastery of e-commerce marketing because these two things will be able to break the ability of innovation in marketing. Strong marketing innovation will have an impact on marketing performance as indicated by expanding market share and increasing customer satisfaction as well as total sales. It is recommended that further research be able to reveal digital marketing strategies that can be applied by craftswomen and people with disabilities so that they can remain productive at work and have income from selling their products.

Micro, small and medium enterprises (MSMEs) play a vital role in economic development and growth, especially in Indonesia. It is widely recognized that MSMEs are very important be-cause of their main characteristics that distinguish them from large enterprises, especially because MSMEs are labour-intensive enterprises, exist in all locations, especially in rural areas, are more dependent on local raw materials, and are the main providers of goods and services. Along with the development of the mindset of the community, the majority of MSME actors have also changed their mindset in determining the marketing strategy used, from product orientation, consumer orientation, value orientation, technology orientation and to build the super smart society. Business digitalization also evolve the marketing mix from 4P (product, place, price and promotion) to 4C (co-creation, currency, communal activation, and conversation). However, there are barriers in the face of digitalization economy, including technology adoption and cyber-crime.

The obstruction of several business activities caused by the pandemic has led to the need for institutions that can manage and develop MSMEs in the midst of this outbreak. One of the institutions that is being developed is Sharia fintech. This research uses a literature study method where in this method the researcher uses several sources that present topics related to the research. This research also uses secondary sources where the source presents data related to Sharia fintech and MSMEs. The research technique used in this study is descriptive statistics by examining patterns to develop MSMEs using Sharia-based fintech. The results of this study revealed that currently the total assets of Sharia fintech reached 50 billion in IDR with a growth 8.32 %, which shows a significant figure compared to February 2020. Since the development of Sharia fintech, there have been 13 Sharia financial technology and there’re six companies engaged in financing 65 to develop MSMEs. The pattern used in developing MSEs that have a Sharia basis can use the role of fintech institutions not only providing financial assistance in the form of money but also providing assistance in the form of companions in developing their businesses related to MSME marketing..

Dental and oral health education for children is very important to prevent cases of milk tooth persistence. The role of mothers is crucial in ensuring that children receive good dental care. This program aims to increase mothers' knowledge and awareness of children's tooth growth and prevention of persistence cases at the Mangasa Health Center. The methods used include education, interactive discussions, and distribution of educational leaflets. The results of the activities showed a significant increase in mothers' knowledge and awareness of the importance of children's dental care. With this program, it is hoped that cases of milk tooth persistence in children can be minimized.

Role of Entrepreneurship in Eastern Seroja very important in the realization of an increase in economic welfare. The purpose of this study is to see how far the entrepreneurial role in improving the economic welfare of residents in the Village East Seroja Mergosono Kedungkandang District of Malang. (1) the role of entrepreneurship for Eastern Seroja; (2) the representation of entrepreneurship in East Seroja; (3) problems faced by Lotus East. The results showed that entrepreneurial attitudes and behaviors shaping innovative proactive, representation of the attitudes and the behavior is the Chairman of the PKK and its citizens East Seroja applying social entrepreneurship. The problem faced is the first, yet animating entrepreneurial profession. Second, entrepreneurs simply to raise revenue. Third, self-employment is not considered a stable job. Fourth, the majority of entrepreneurs are Housewife. Fifth, afraid to use e-commerce. Sixth, the majority of entrepreneurs are more comfortable using mouth-to-mouth.

This study aims to find and analyze the intrinsic elements contained in the short story "Robohnya Surau Kami" by AA Navis. This research was conducted within the scope of the field of literature and was carried out using qualitative methods and descriptive data analysis techniques. In this research, it is necessary to study documents and study literature. In the world of education, the teacher's role is not only AS a provider of material, but also AS an educator who teaches character for each student. Educators AS examples and reflections in the world of education that teach how to shape students with character. One way to shape the character of students is through a literary work. Literary work is something that is conveyed communicatively both orally and in writing in which there is a message or intention to be conveyed by the author. Through literary works students can easily understand how to build a good character in everyday life, because literary works are also a reflection of life. There are many theories and literary approaches to studying a literary work. One of them is the expressive approach. Through an expressive approach students can recognize the characters in a literary work. One of them is in a short story literary work entitled "Robohnya Surau Kami".

The use of youtube, facebook, blogging, whatsapp, and twitter for purposes of learning by creating groups on the interests of certain discussion to do in the community. As a result of the rapid social media development has downloaded the social behavioural pattern. Gradually lead to the integrations that brings learning activities to be done in multimedia and used technology in education, because media in education has important role in communication. English is one of foreign language subject which has taught at schools.English lessons apply in all forms of social relations, both at school and in association community with the structure and function of each use education as media that will be tought and be the effectiveness lesson. So the objectives specified in the use of multimedia learning can be achieved in stimulating learning, students dare to ask questions, answer questions or comment on the content being delivered also increased teacher.

This study aims to discuss the hidden meaning in the text of the poem "Padamu Jua" by Amir Hamzah through discussion and exposure in terms of Hermeneutics and also examines interesting diction in the text of the poem. The hermeneutical theory is used to interpret the meaning of the poem. This study also uses a descriptive qualitative research model. The data subject of this study is a literary work of poetry with research data in the form of quoted words whose meaning and diction are analyzed using a hermeutical approach. Diction is word choice. That is, we choose the right words to convey an idea and accuracy. The role of diction in poetry is very important because in poetry words are everything. In fact, for the type of imaginary poetry as stated by Sapardi Djoko Damono. The data collection technique in this article is the first to analyze the meaning of perbait with a hermeneutical approach, the second to analyze and look for the interesting diction in the poem "Padamu Jua" by Amir Hamzah and the third to present the data results in descriptive form.

Excessive anxiety can affect pregnancy and fetal growth. Irrational anxiety makes pregnant women uneasy and triggers stress. Babies born to stressed mothers tend to be hyperactive children and have difficulty controlling emotions(Maulana, 2016). To determine the level of anxiety of pregnant women and the factors that influence it in dealing with childbirth anxiety in the remote waters of Dabong Village, Kubu District, Kubu Raya Regency, West Kalimantan. The research methodology uses this research method using an analytical research method with a Cross Sectional approach. The sample in this study were 31 pregnant women respondents. Data analysis using univariate and bivariate data analysis. The sampling technique used was total sampling. The research instrument consisted of a DASS (Depression Anxiety Stress Scale) questionnaire for anxiety levels. Data were analyzed using Chi-square statistical test to determine the relationship between two independent variables and the dependent variable, namely the level of anxiety and the factors that influence it (age, education, occupation, parity, level of knowledge). The results of the univariate data analysis showed that the anxiety level of many pregnant women experienced anxiety with a mild level of 12 pregnant women, 7 pregnant women, 6 pregnant women heavy. Bivariate data analysis with statistical test results obtained p value = 0.018 for age, statistical test results obtained p value = 0.043 for education, statistical test results obtained value for work p = 0.035, statistical test results obtained p value = 0.024 for parity and test results statistically obtained p value = 0.029 for the level of knowledge, on the anxiety of pregnant women, it can be concluded that there is an effect of the level of anxiety of pregnant women on anxiety in facing childbirth and the factors that influence it, The conclusion of the study is that pregnant women experience anxiety with levels of anxiety from mild to severe and there is an influence on the level of anxiety of pregnant women on anxiety in facing childbirth. There is a need for health education related to pregnancy and focusing on the psychology of pregnant women as well as family support, husbands (active roles) and the environment for pregnant women. Anxiety assessments for pregnant women are also carried out.

Today there are various kinds of social media for business. Some examples social media for business including Facebook, Youtube, Blogs, Instagram, Twitter, Snapchat. From a variety of social media that are often used by business actors is facebook. Facebook users in Indonesia reach 129.9 million in early 2022. This figure is derived from advertising reach sources Facebook to Indonesian users. Thus, the percentage of users Facebook in Indonesia is equivalent to 46.8 percent of the total population in early 2022. In the world of marketing, social media plays an important role is very important in building a strong customer base for a brand. One of the biggest in Indonesia, of course, is Facebook. In to increase marketing channels, there are recommendations for tools and software Free Facebook marketing at its best. We don't need to spend money to subscribe or buy existing Facebook marketing tools is wrong one is Facebook Canvas.

The purpose of this study is to see and analyze how a retail business maintains its business, including maintaining customer loyalty. The research was conducted at a retail store in Sukabumi. Methods of data collection is done through observation and interviews with resources in the store. The results showed that: 1) retail stores in maintaining their business utilize various promo modules and involve the active role of all resources in the store; 2) retail stores provide all the best to consumers, through an attitude that prioritizes 5S, and strives to meet every consumer need, so as to maintain consumer trust and loyalty; 3) the ability to promote and good service makes retail stores can compete with competitors and can maintain their business.

Consumer behavior is the study of how individuals, groups, and organizations select, purchase, use, and use goods, services, ideas, or experiences to satisfy their needs and wants. In Islamic economics, the goal of consumption is to maximize maslahah. Maslahah includes the integration of physical benefits and elements of blessing. In consumption, Islam positions it as part of economic activity that aims to collect rewards towards falah (happiness in the world and the hereafter). The motive for consumption in Islam is basically maslahah (public interest or general human good) for needs and obligations. In Islam, consumption cannot be separated from the role of faith. The role of faith is an important benchmark because faith provides a perspective that tends to influence human behavior and personality. Therefore, consumption is important because it fulfills the needs of human life. Without consumption, humans will not survive. What's more, consumption during the COVID-19 pandemic is in violation of the rules and other consumer rights.

Analysis of E-Learning Information Systems is certainly one of the efforts that can be made to overcome problems that arise in the process of implementing teaching and learning activities (KBM) in each school. Soft System Methodology (SSM) analysis is a method used to help model unstructured problems. The SSM methodology is suitable for assisting an organization in defining their goals and then building a human activity system to achieve those goals. The relationship between the internal and external academic community involves teachers, parents of students, students and school administrators to develop information for supervision and student Development approaches. E-Learning analysis using the Soft Systems Methodology (SSM) approach is expected that the E-Learning information system will be able to answer existing challenges and problems. This study carried out a CATWOE analysis of the holons and elements (Client, Actor, Transformation, World View, Owner, Environment) found in case studies, building E-Learning models by applying the roles of humans, processes and technology as knowledge-forming elements, then analysis. holons based on the modeling of the resulting Knowledge. The analysis of E-Learning needs is answered by the need between the internal staff of teachers, employees, counseling and external students and parents to improve the quality of teaching and learning activities and student development.

Culture has an important role in the company. One of the elements in corporate culture is values. Companies must ensure that the culture is acceptable and even practiced by employees. PR Sukun it self has problems related to employees' understanding of their cultural values. Internalization can be used as one of the company's strategies to ensure that cultural values ​​can be accepted and implemented. Of course, guidelines are needed as the basis for the implementation of internalization. Purpose of this study is to know the guidelines formulation process for the internalization of corporate cultural values. This research uses descriptive-qualitative. Data collected by triangulation method that are interviews, documentation, and observation. The results show that PR Sukun had espoused values “Sukun Kuat”, that are (contibutive, strong, original, and tados). Moreover, this research also got information about conditions and steps for internalizing the current PR Sukun values. The results are compared with the references obtained by the writer to make recommendation. The recommendations of this guideline contain the preparation of guide or internalization materials, the formation of agents of change and their duties, planning of internalization programs, and monitoring evaluations.

One of the appropriate methods to improve students' abilities is the role play learning method. In improving students' ability to understand students' narrative texts, appropriate learning methods are needed. One of the appropriate methods to improve students' abilities is the role play learning method. The purpose of this study was to analyze the improvement of students' ability in understanding narrative texts using the Role Play Learning Method in Class XI IBB Students in the Even Semester of the 2021/2022 Academic Year. The method used to conduct the research is Classroom Action Research (CAR). The approach used is a qualitative approach. The data collection procedure is the test method. From the test method obtained data in the form of student learning scores which are then used for hypothesis testing. The results of this study are the application of the role play learning method can improve students' ability to understand narrative texts for Class XI IBB students, this can be seen from the students' test scores in the initial test activity from 73.07 increased to 78.20 in cycle 1, and in cycle II increased again to 85. Thus, the role play learning method applied to students can improve students' ability to understand narrative texts for students in Class XI IBB Even Semester in the 2021/2022 Academic Year.

The inclusive education program is an effort to carry out the mandate of the 1945 Constitution and eliminate discrimination in the education system in Indonesia. All children with various needs can sit and study together with other normal children in the same school. This study aims to identify forms of curriculum adaptation, especially in science subjects at SDN Gajahmungkur 02 Semarang City. This research uses a descriptive-qualitative approach with a case study method. This research was conducted in April-June 2022. The data collection technique used in this study used interviews and observation methods. The subject of the interview is a special supervising teacher at the school. Based on the results of interviews and observations, it is known that the curriculum adaptation implemented at SD N Gajahmungkur is viewed from the principles and dimensions of adaptation. The principles of attendance, participation, and achievement have been well realized in this school. In terms of the dimensions of curriculum adaptation, namely, curricular adaptation is reflected in the lesson plans accompanied by special notes and adjustment of learning indicators for children with special needs who are adapted to the 2013 curriculum, learning adaptation is reflected in the presence of a special supervisor teacher in the class even though there is only one. There is a special schedule arrangement so that Class teachers still have a significant role in implementing learning. Environmental adaptation has not been optimal because schools do not yet have accessibility for physically disabled people with wheelchairs. In terms of adjustment to science subjects, teachers have not made many adaptations or modifications for children with special needs.

This study analyzes the intrinsic elements of a novel that is widely read by the Indonesian people because it contains Teenlit and Chicklit simultaneously. This research uses a type of literature study research. Data collection was carried out by the method of documentation from primary sources in the form of a novel entitled "The Forbidden Heaven". The data were analyzed by reading, recording, classifying, and analyzing the seven intrinsic elements. The results of this study show that; 1) The theme of the novel is quite interesting, and strongly inspiring with contradictory diction. 2) Characterization involves sixteen roles, consisting of the main character and auxiliary with the role of the protagonist and tritagonist. 3) The setting of setting presents several places in Jakarta, Bogor, Kuala Lumpur, and Palestine, but is more dominated by Betawi culture, campuses, and proselytizing organizations. 4) The plot presents a story of togetherness that results in love between Najma and Faisal, is separated by studies and eventually proposed by the one who is also the older brother. 5) The style of the novel language is more dominated by the language of the parable the diction used although less touching, but the reader can feel the emotions built with the spiritual narrative of ruhani. 6) Point of view, the author presents various events with a single and second-person first-person point of view, a singular and plural first-person point of view, as well as a mixture. 7) The main mandate of the novel includes three things, namely; a) Intelligent understanding between qadar and taqdir, through mujahadah, endeavor, prayer, and taqarrub because a soul mate is a difficult thing to predict and part of His (Allah) provisions, b) Keep learning and studying wherever and whenever the breath is still blowing, c) Being an inspirational human being, benefiting others, equip themselves for a more eternal hereafter.