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Financial intelligence is an individual's ability to understand, manage, and optimize the management of personal finances. Financial mathematics is becoming an important tool in developing financial intelligence. In this research using literature study method this method involves the search and collection of information from related literature sources. Through financial mathematics, one can calculate the future value of an investment, estimate the return on an investment, calculate annuity payments, understand the concept of time value of money, and analyze investment risk. The application of financial mathematics in financial intelligence provides an advantage in taking better financial decisions and managing finances effectively. By utilizing financial mathematics, one can improve their understanding of Finance, make effective financial planning, and take better financial decisions.

The implementation of the mudharabah contract among micro-enterprises in Lakapera Village, Buton Tengah Regency, demonstrates significant potential in improving the community's economic well-being. This study aims to analyze the community’s understanding of the mudharabah contract, its practical application, and the challenges faced. Using a qualitative approach, data were collected through in-depth interviews and observation. The results indicate that despite existing challenges, the positive impact of mudharabah implementation is significant for the growth of micro-enterprises.  

The Internet, as a digital medium, has brought about various conveniences over time. Social media platforms like Facebook and Twitter are commonly utilized for information seeking and sharing. Among the information disseminated on social media is the increasingly prevalent Covid-19 information from 2019 to 2021. Irresponsible individuals spread hoax information, leading audiences to trust such misinformation. Therefore, Communication Science students, who will enter the media realm, require proficient media literacy skills. This research employs descriptive methods to comprehend occurring phenomena, utilizing purposive sampling for informant selection. The study includes 184 respondents from the 2016-2019 student cohorts. Descriptive qualitative analysis, complemented by scale range conversion, is used to transform qualitative data into quantitative format. The research aims to assess Communication Science students' media literacy skills through the Individual Competence Framework, comprising technical skills, critical understanding, and communicative abilities. Findings indicate students' proficient use of computers and the Internet. While they comprehend social media content and functions well, improvements are needed in behavior and regulation. Additionally, enhancing communication and relationship-building skills on social networking sites, as well as community participation and content production through these platforms, is imperative, suggesting the necessity for further development.

Social media is a digital platform that facilitates online social activities for users, including communication, interaction, and content creation such as writing, videos, or photos. Information shared on social media can reach a wide audience and be accessed by users globally within a short period, typically within 24 hours. Popular examples of social media platforms include Instagram and TikTok. This research is grounded in New Media theory and Social Learning Theory. These theories align with the hypothesis of the study, particularly in understanding digital data controlled by software, such as social media platforms, and how exposure to social media content can influence behavior, as outlined in the Social Learning Theory. The study focuses on observing imitative behavior among students at Al-Irsyad High School in Tegal City. The research adopts a quantitative approach, specifically descriptive research. Through data analysis, the researchers were able to confirm the hypothesis using the Pearson Product Moment Test or correlation analysis. The findings indicate a positive correlation with a strong degree of association, supporting the hypothesis.

This research explores the role of emotions in intercultural communication through an ethnographic study of a multicultural community. Findings show significant variations in patterns of emotional expression across different ethnic groups and cultures, where cultural norms play an important role. Emotions such as joy, anger and disappointment are expressed differently based on cultural background, with examples such as East Asian holistic approaches compared to North American individual focus. Emotion regulation strategies also vary, influenced by the situation, individual disposition and cultural adaptations. Cultural values, norms and beliefs impact emotional experiences, with the interaction of gender and culture shaping the perception and expression of emotions.  Emotions play a key role in the dynamics of intercultural interactions, influencing relationship formation and the potential for conflict. Practical implications emphasize the importance of culturally sensitive communication for effective diversity management in organizations, improving team efficiency, and supporting organizational change. The research contributes theoretically by offering insights into the complexity of emotional processes in culturally diverse environments, enriching intercultural communication theory and the psychology of emotion. These results confirm the importance of an in-depth understanding of cultural diversity in emotions to promote more harmonious and effective interactions in multicultural environments.

The abstract contains a brief description of the problem and research objectives, the method used. This community service activity (PkM) was carried out in Kotanopan District, Mandailing Natal Regency. The aim of this PkM is to build community motivation in developing the creative economy in the area where they live. The implementation of this activity was carried out using the lecture and question and answer method. The purpose of the lecture method is to provide understanding and explain why a creative economy is needed. Furthermore, in this dedication, it is explained about other methods by observing, imitating and modifying. Furthermore, it is also explained in this service in the form of examples of villages that have developed a creative economy based on their potential.

In an interaction, language has an important role as a communication medium to increase interaction between individuals for a creative, innovative, adaptive life in understanding the values ​​and norms that exist in society. Language learning is the starting point in mastering a particular language. Speaking skills (maharat al-kalam) are one of the skills that must be achieved in learning Arabic. Speaking is the ability to express articulatory sounds or words to express thoughts in the form of ideas, opinions, desires or feelings to a conversation partner. Use of media Social media in the global era has become a basic need for individuals or groups who do it online to interact with each other without being limited by space and time as a form of technological progress during the Covid-19 pandemic. Social media in the world of education is functionally conditioned as a form of collaboration, friendliness and creativity of its users. Social media supports learning materials to strengthen learning materials at the educational level, including at tertiary institutions.

Education plays an important role in efforts to improve human quality, both social, spiritual and intellectual. Apart from that, education is not only burdened with the task of making the nation's life more intelligent, but it is also burdened with the task of fostering the nation's morals, namely upholding human values, all of which will be realized if it is based on religious beliefs. Meanwhile, religious belief will only be obtained with a deep understanding of the basics of religion itself. Judging from its function, language is a means of communication and liaison in everyday human interactions, both between individuals and individuals, individuals and society and society and certain nations. Likewise in Arabic, which has a special function compared to other languages. Not only does Arabic have high quality literature for those who know and understand it, but Arabic is also destined to be the language of the Koran, namely communicating the words of Allah (Yusuf, 1997: 187). Arabic language teaching has been implemented in formal and non-formal institutions, where the teaching is almost the same as the language as a whole. In fact, Arabic has become a special identity and characteristic of Islamic educational institutions, especially Islamic boarding schools, which differentiates them from other institutions. This is an important reason to research. Likewise with the existence of the Miftahul Ulum Suren Jember Islamic Boarding School whose vision and mission refer to the vision and mission of the Islamic boarding school. The Vision and Mission, among other things, seeks to develop students to become Muslims so that they become Muslims who are ready for life. For operationalization to achieve the output expected by the vision and mission, there needs to be a program realization at the girls' Islamic boarding school that must support it. One of the programs of the women's Islamic boarding school is the development of improving muhadatsah skills. From this program it is hoped that students will be able to speak Arabic actively. Because basically female students are able to perform muhadatsah optimally. The aim to be achieved in this research is to find out and describe the problems of improving muhadatsah skills at the Miftahul Ulum Suren Jember Islamic boarding school both in terms of implementation and evaluation. The research method used in this research is approach, determining research subjects, data collection methods (observation, interviews and data analysis.

Marriage that precedes a sibling is a social phenomenon that often triggers differing views between customary law and Islamic law in Indonesian society. This study aims to examine the perspectives of customary law and Islamic law on this phenomenon and understand the dynamics of the interaction between these two legal systems. The research adopts a qualitative approach with a descriptive-analytical design, combining primary data from in-depth interviews with customary leaders, religious scholars, and marriage participants, along with secondary data from relevant literature. The results show that customary law tends to regulate the order of marriage within the family, with social sanctions for violations, while Islamic law does not have such prohibitions and emphasizes individual freedom as long as the marriage requirements are fulfilled. Despite the potential for conflict, integration between customary law and Islamic law is possible through a dialogical approach involving all relevant parties. This study recommends strengthening dialogue between customary leaders and religious scholars to create harmony in marriage practices within the community and encourages further research to gain a broader understanding of public perceptions on this issue.

Somongari Village is a village in Purworejo Regency and currently Somongari Village is entering the tourist village development stage. However, there are obstacles that make the tourism village development program in Somongari Village less than optimal. These obstacles include not having properly implemented the tourism village roadmap listed in the Village RPJMD, the need to develop a network of partnerships with other parties to develop tourism villages, the need to strengthen village organizations (such as KWT, BUMDes and Karang Taruna). For this reason, a Community Service Program is being carried out with output targets: 1). There is a potential roadmap for agrotourism villages in the Somongari tourist village. 2). There is an increase in organizational capacity in the village in the context of managing and developing tourist villages in Somongari Village. Stages in activities: 1). Activity planning. The service team invited Pokdarwis administrators and the local village government. 2). Activity process. This stage is aimed at finding out the level of understanding of the mentoring participants along with feedback in the form of questions from the training participants who have received knowledge transfer regarding the potential of the village and what will be developed as a tourist village. 3). End of activity. Evaluation is carried out to measure the success of all mentoring programs. The activity success indicator was determined to be 80% of participants able to implement material to strengthen and improve the tourist village in Somongari Village.

Pop-up book is one of the learning media that can be used by teachers in carrying out learning in class. This media is an innovative medium in the world of education so that training is needed for teachers to be able to create and apply it in school subject matter. This service aims to improve the skills and creativity of elementary school teachers in teaching through training in making pop-up books. This media is effective in attracting interest and facilitating students' understanding of subject matter, this service program is expected to facilitate more interactive and interesting learning. This training consists of delivering material related to learning media, pop-up book material, training on making pop-up books and questions and answers. This activity was held on June 6 2023 at Upunyor Christian Elementary School. The result of this activity is that pop-up book training activities can improve the quality of teaching in elementary schools and enrich the learning methods used by teachers.

The application of student data management training aims to provide participants with understanding and skills in using Microsoft Excel for student data management. Management of student data is often needed in data management, such as making student report cards every semester at school. The Microsoft Excel application allows for personal and efficient management, by combining data from separate sources into one excel. During the training, participants will be taught the introductory concept of Microsoft Excel, the steps for preparing data, creating value columns in Excel, and merging data into templates. This training will also discuss the benefits of using Microsoft Excel, including time efficiency and accuracy in managing student data to be processed. Through a combination of theory and practical exercises, participants expected to be able to master the steps in the process of managing student data which will be explained using Microsoft Excel. It is hoped that the results of this training will give participants the ability to create personal and efficient student value data, including education and other organizations. Thus, this training contributes to increasing the effectiveness of communication in various activities that involve the process of managing student value data.

Efforts to produce quality healthy and intelligent children are a priority for the national development program. In achieving this goal, of course, requires the involvement of many parties. The strategic thing is to empower families to be able to provide and carry out optimal and proper parenting for their children. So far, toddler development monitoring services have been carried out at Posyandu. The quality of services at Posyandu can be improved by involving families/parents in it, with the family empowerment movement. Purpose: Optimizing parental guidance for children in their growth period. To help emotional maturity and independence in facing life by applying proper parenting. Method: Mechanism of community service actifities (1) We introduces ourselves to the person in charge, cadre, parents of toddlers at the Posyandu, conveys information, explains the purpose and procedure of “Studying at My Children’s Home.” (2) Conduct a pre test to asses parental knowledge about family empowerment in child rearing efforts. (3) Carrying out educational/health counseling interventions regarding parental knowledge about family empowermwnt in children efforts, packaged with “Studying at My Children’s Home” activities. (4) Carrying out a post test after the intervention. (5) Analyzing data. Results: From 140 respondents, 93 people or 66.43% got good benefits. 37 people or 26.43% got sufficient benefits, and 10 people or 7.14% did not get significant benefits from “Studying at My Children’s Home” activity. Conclusion: The “Studying at My Children’s Home” activity gives a new situation to the counseling method in society or the community. With 3 (three) main activities  (1) modeling/give examples (2) Repetition and (3) Reinforcement/strengthening for something good. At the end of this community service activity, it was generally found and increase in family understanding and empowerment in childcare.  

Background : Bullying behavior is a crime committed by children, so this behavior is considered abnormal, because it will have a negative impact on the victim. Purpose : Community service activities in the form of group assistance aimed at reducing bullying behavior in students of SDN 1 Ketindan Lawang. Methods : The method offered for partner problems is activities in the form of counseling about bullying and group assistance to students who have a tendency to bullying behavior. The method of implementing community service is in the form of counseling and group mentoring methods consisting of 4 sessions. Result : The result of this community service activity is that partner groups can understand and identify bullying and partner groups can reduce bullying tendencies. Conclusion :Bullying tendencies can be prevented by providing an understanding and educational approach in the form of conditioning good behavior as early as possible for students.  

Background : Stunting is a problem because it can cause morbidity, death, slow down the process of motor development and hinder the mental growth process of sufferers. Stunting not only interferes with physical growth but also in other growth such as mental, cognitive and intellectual children. The purpose of this community service is to conduct socialization and counseling in an effort to prevent stunting in the Betungan Health Center work area, Bengkulu City. The implementation method is by counseling about stunting in children. This Community Service activity was carried out at the Betungan Bengkulu Health Center. The time for implementation is in November 2022. The participants in this community service activity are mothers who have toddlers at the Bentungan Health Center in Bengkulu City with a total of 20 people. Activities are carried out in stages (1) providing an explanation of the material to be provided and the purpose of the activity; (2) provide knowledge about child stunting and its prevention. The results of this activity show that there is an increase in public understanding of what stunting is, the causes of stunting, the dangers of stunting for the short and long term as well as growing awareness in overcoming the effects of stunting so as to minimize the occurrence of stunting in children.   Keywords: Children, Stunting, Health Education

This research explores the importance of studying English minimal pairs of vowels and their impact on language learners' pronunciation skills. The discussion highlights the significance of differentiating vowel sounds through the analysis of minimal pairs, which consist of words sharing consonant sounds but differing in vowel articulation. By focusing on specific minimal pairs such as [iː] / [ɪ], [æ] / [ʌ], [ɑ:] / [ɔ], [ɛ], and [ɒ], learners can refine their ability to recognize and produce the distinct vowel sounds accurately. Mastering these minimal pairs enhances phonemic awareness, enabling learners to differentiate between similar vowel sounds, thereby improving overall pronunciation accuracy. Furthermore, the study of minimal pairs contributes to word differentiation, listening skills, and spelling and reading proficiency. It empowers learners to grasp the subtle nuances in vowel pronunciation, thereby enhancing their ability to comprehend and communicate effectively in English. In conclusion, a comprehensive understanding and application of English minimal pairs of vowels are vital for language learners striving to achieve optimal pronunciation proficiency.   English minimal pairs of vowel

Waqf is a waqif legal act to separate and or give part of one's property to be used forever or for a certain period of time in accordance with the interests of worship and or general welfare according to sharia. In order to avoid disputes and problems related to waqf goods or land and to clarify their legal status, waqf goods must be registered and certified. Waqf Land Certification is the process by which the National Land Agency issues Waqf Land Certificates after Nazhir submits a Waqf Land Registration. Article 39 of Government Regulation Number 42 of 2006 concerning Implementation of Law Number 41 of 2004 concerning Waqf contains provisions concerning registration of land ownership certificates, and Regulation of the Minister of Agrarian Affairs and Spatial Planning/Head of the National Land Agency of the Republic of Indonesia Number 2 of 2017 concerning Procedures for Land Registration Waqf at the Ministry of Agrarian Affairs and Spatial Planning. Related to the importance of the legitimacy of a land, it often triggers legal problems, namely that land owned by the community has not been registered as a result of a lack of understanding of the importance of waqf land certification. Taking into account the legal issues above, the Community Service Team at the Faculty of Law, State University of Gorontalo carried out this community service activity as an effort to increase Community Legal Awareness Regarding Waqf Land Certification to Guarantee Legal Certainty..

Healthcare professionals play a crucial role in enhancing the quality of healthcare services provided to the community. It is essential for healthcare workers to be familiar with the available internet, intranet, and extranet access within hospitals. The significance of such access for healthcare professionals lies in their ability to exercise caution and maintain the confidentiality of patient information in the digital era. The purpose of having this access for healthcare workers is to understand the utilization and differentiate between applications available in hospitals that fall under internet, intranet, and extranet access. Additionally, it allows them to delve deeper into subjects in theory or research and assist readers in better understanding them, along with their implications. This article discusses the definition, differences, and examples of applications available in hospitals with internet, intranet, and extranet access.

This study discusses the negative impact of YouTube on learning English. This is due to advances in technology and information that have caused many users to use applications, one of which is YouTube which is used as a learning medium, but they are not aware of the effects that will occur if they cannot regulate what they use. they see or hear. Literature research was used in writing this article, which includes collection and analysis from various sources, such as documents, books (e-books), research journals, and other related online articles. After collecting the necessary data, the author reads and documents sources that relate to the topics discussed. The results of the study show that there are many negative impacts of YouTube that arise because of a lack of understanding in selecting quality English learning materials.

The teaching method is a method used by a Sunday school teacher in teaching, guiding, advising and directing Sunday school children in understanding the word or works of God by using ICT. However, in reality, Sunday school teachers do not make use of ICT in organizing teaching and learning activities, even though they already understand that ICT greatly supports or helps the child's level of mastery of subject matter as a tool for achieving teaching and learning goals. In this study, the steps taken by the author to examine the literature search method. Literature search includes searching from various sources of literature from magazines, books and other sources to facilitate research, the method is to find material related to the discussion of this article, both physically and digitally or manually. Thus, so that learning can be effective and not boring, Sunday school teachers are required to be able to use ICT as a learning method when teaching. So in this case the Sunday school teacher will find it easier to provide learning as well as children will find it easier to capture and understand learning, not get bored in learning, and will have an interest and curiosity in the lessons being studied. The use of ICT as a teaching method for Sunday school teachers will generate new desires and interests for children and the media can control the pace of learning and provide a comprehensive experience for children from concrete and abstract things. So, teaching methods using information and communication technology will have a major influence or impact on learning outcomes with the desired goals.