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Dwi Syaputra; Ahmad Afandi

Jurnal Pengabdian Sosial dan Kemanusiaan 2025 Lembaga Pengembangan Kinerja Dosen

Community Service (KKN) is one method to implement the Tri Dharma of Higher Education through community service activities. The Independent KKN Project from the University of Muhammadiyah North Sumatra in 2025 was implemented in Dolok Kahean Village, Tapian Dolok District, Simalungun Regency, with the theme "Innovation and Creativity as Keys to Entrepreneurial Success in the Digital Economy Era. " The purpose of this study is to improve the ability of Micro, Small, and Medium Enterprises (MSMEs) actors in maximizing product marketing using digital marketing, with an emphasis on the use of photo and video content for business branding. The implementation methods of this activity include observation, interviews, socialization, and training in photography practices, editing, and digital content strategies. The results of this activity show an increase in knowledge and skills of MSME actors in creating promotional content, building brand identities (such as logos and product packaging), and utilizing social media as a marketing tool. In addition, social activities such as mutual cooperation, economic education in schools, and the creation of educational signs about waste also contribute to increasing social awareness in the community. The success of this activity was facilitated by community cooperation and support from village officials, while the main challenges were geographical conditions and limited transportation. Overall, this KKN activity had a positive impact on the development of local MSMEs, increased digital literacy, and strengthened the relationship between students and the village community, demonstrating the role of higher education institutions in community empowerment.

Bunga Rahma; Nunung Rodliyah; Elly Nurlaili; Kasmawati Kasmawati; Sayyidah Sekar Dewi Kulsum

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

This study discusses the judge’s considerations in rejecting a marriage annulment lawsuit due to coercion, as stated in the Religious Court Decision of Tanjung Karang Number: 1109/Pdt.G/2023/PA.Tnk. The lawsuit was filed by a wife who claimed she was forced into marriage due to threats from her parents, thus requesting an annulment based on Article 27 paragraph (1) of Law Number 1 of 1974 on Marriage. However, the panel of judges rejected the claim. This research aims to examine the legal reasoning behind the judge’s rejection of the annulment and the legal consequences resulting from the decision. The study employs a normative and empirical legal approach with a descriptive qualitative method, using primary legal materials such as legislation and court rulings, as well as secondary data from legal literature and interviews. The results show that the judges rejected the claim because the alleged coercion was not proven to constitute an unlawful threat as defined by law, and the marriage was conducted validly according to legal and religious provisions. The legal implication of this rejection is that the marriage remains valid and binding, and all legal rights and obligations between husband and wife continue to apply.

Khomsiyatul Mukarromah; Dzelifah Dzelifah

jurnal Riset Rumpun Agama dan Filsafat 2025 Pusat Riset dan Inovasi Nasional

Public relations (PR) plays a vital role in building and maintaining the trust of students’ parents toward Islamic boarding schools (pesantren). This trust serves as an essential foundation for the continuity of education and for fostering a harmonious relationship between the Ma’had and the parents. This study aims to analyze the communication strategies implemented by the Public Relations division of Ma’had Tahfidz Al-Qur’an (Putri) at Pondok Pesantren Al-Amien Prenduan Sumenep in strengthening parents’ trust, to understand their responses to these strategies, and to explore stakeholders’ expectations regarding the management of public relations within the institution. This research employs a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews, observation, and document analysis. The findings indicate that the PR strategies were carried out through systematic stages of planning, implementation, evaluation, and continuous improvement. Generally, parents expressed satisfaction with the transparency of information, the speed of communication services, and their increased participation in educational activities. However, several aspects still need improvement, particularly in maintaining consistency in financial information delivery and modernizing communication systems through technology. Overall, the PR strategies at Ma’had Tahfidz Al-Qur’an (Putri) have been effective in strengthening parents’ trust and enhancing the institution’s positive image. To further improve the role of PR in the future, it is necessary to enhance staff professionalism, innovate in communication technology, and strengthen collaboration with various stakeholders.

Brigita Divaria Pakpahan; Nayla Rahma Dwi Novita; Fatma Tresno Ingtyas; Laurena Ginting

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

Cyberbullying is a form of online violence that is increasingly widespread in the digital era, with serious impacts on adolescent mental health, such as depression, stress, and anxiety. This study aims to examine the impact of cyberbullying on adolescent mental health through a literature review covering 10 accredited journals indexed by SINTA, Google Scholar, and DOAJ. The method used is a literature review with a comparative analysis approach to previous research findings. The results of the study indicate that victims of cyberbullying often experience decreased self-esteem, emotional disturbances such as shame and fear, and decreased motivation to learn. These disturbances can then increase the risk of depression among adolescents. Decreased self-esteem and increased anxiety also impact their academic performance and social engagement. Based on these findings, it can be concluded that cyberbullying is a significant factor threatening adolescent mental health. Therefore, serious attention is needed from various parties, including schools, families, and communities, to provide protection and psychosocial support to victims. Recommended interventions include digital literacy education, family support, and counseling programs that can help adolescents overcome the negative impacts of cyberbullying and prevent lasting effects on their mental health.

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.

Anisa Rahma Putri; Zakwan Adri

Jurnal Publikasi Ilmu Psikologi. 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

Parenting style in adolescents with hedonism behavior: Nowadays developments continue to occur so that many changes in technology and learning appear, one of the behaviors that is happening nowadays is hedonism behavior. One that can influence hedonistic behavior is parenting style. Parenting is one of the things that influence how a child's behavior. Hedonism is one of the behaviors of a child that can be caused by how parents raise a child. The purpose of this literature review is to find out what parenting styles lead a child to have hedonistic behavior. The method used is a literature review. The articles used in conducting this literature range from 2017-2022 which were searched for by the online research database. There are several types of parenting styles applied by parents. This study also explains what is the relationship between parenting style and the hedonistic behavior of a child. The results of research that hedonism behavior in a child can be caused by permittive and authoritative parenting styles. If the permittive and authoritative parenting style is high, the possibility of a person's hedonistic behavior will also increase.

Zahwa Saviola Ramadhini

Jurnal Publikasi Ilmu Psikologi. 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

University students frequently face various academic demands, such as coursework, research, field practice, and examinations. These pressures may lead to psychological stress that can trigger anxiety. If not properly managed, anxiety can negatively affect academic performance, social interactions, and students’ psychological well-being. The aim of this study was to examine the relationship between the intensity of Qur’an recitation and the level of anxiety among students. This research employed a quantitative descriptive design involving 103 students from the Department of Psychology, Padang State University as participants. The sampling technique used was nonprobability sampling with a purposive sampling approach. The instruments consisted of the Qur’an Reading Intensity Scale adapted from Pradika (2014) with a reliability coefficient of 0.721, and the Zung Self-Rating Anxiety Scale with a reliability coefficient of 0.829. Data were analyzed using Pearson’s product-moment correlation test. The findings revealed a significant negative correlation between the intensity of Qur’an recitation and students’ anxiety levels (r = -0.801; p = 0.000 < 0.05). This indicates that the more frequently students read the Qur’an, the lower their anxiety levels, and vice versa. Categorization results further showed that most students had a high intensity of Qur’an recitation (42.7%) and experienced low to moderate levels of anxiety (78.7%). These results reinforce previous studies suggesting that spiritual practices such as Qur’an recitation can serve as an effective spiritual coping strategy to foster tranquility, regulate emotions, and strengthen resilience in facing academic stressors. Therefore, Qur’an recitation can be recommended as a complementary approach to maintaining students’ mental health in higher education settings.

Bella Oktavia; Zakwan Adri

Jurnal Publikasi Ilmu Psikologi. 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

This study aims to investigate the psychological dynamics of early adult women after a induced abortion. Using a qualitative methodology with a phenomenological approach, this study involved female participants aged 18-40 years, who were students or workers, had undergone an induced abortion, and were willing to participate. A purposive sampling technique was used to identify eligible participants. Data were collected through in-depth interviews and analyzed using Interpretative Phenomenological Analysis (IPA). The results revealed three main themes: first, psychological dynamics including feelings of guilt, depression, and anxiety after the procedure; second, factors influencing psychological dynamics, such as social support, environmental factors, and previous personal experiences; and third, self-meaning and future expectations, where most participants attempted to forgive themselves and build positive expectations for their future. This study provides in-depth insight into the psychological experiences of early adult women after a induced abortion and the importance of emotional and psychological support in the recovery process.

Asep Dony; Aprilia Puspasari; Irwan Raharja; Popon Rabia Adawia

Jurnal Pelaksanaan Pengabdian Bergerak bersama Masyarakat 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

This community service activity aims to improve the competence of parents and managers of children with special needs resources in providing education effectively and sustainably. This training was motivated by the still low understanding of institutional managers regarding school resource management, especially in the aspects of planning, utilization, and evaluation of human resources and infrastructure. The activity was carried out on Sunday, October 19, 2025, through the stages of opening, delivery of materials, interactive discussion sessions, filling out questionnaires, and closing. The implementation method involved a participatory approach so that participants could play an active role in the learning process. The implementation of the community service took place in a special room of the Lazama institution. It was attended by approximately 20 participants consisting of special needs school management and parents. The results of the activity showed that participants experienced significant improvements in their understanding of concepts and practical skills in school resource management. Ninety-two percent of participants stated that the training material was highly relevant, 88% stated that their understanding improved, and 85% stated that they were ready to implement the strategies they had learned. The training also encouraged the formation of an internal resource management team at the KAZAMA Institute as a follow-up to the program. This activity not only increased the individual capacity of participants but also strengthened sustainable institutional governance. This community service activity successfully raised new awareness about the importance of collaborative, adaptive, and sustainability-oriented educational resource management, particularly in schools serving children with special needs.

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.

Geri Ardji Novandi

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

Child exploitation is a serious issue that threatens the fulfillment of children's fundamental rights and impacts their physical, psychological, and social development. This study aims to analyze the role of law in preventing child exploitation through an examination of regulations and criminal law enforcement in Indonesia. The method used is normative juridical research with a descriptive qualitative approach, supported by empirical data from interviews with law enforcement officers and child protection agencies. The results of the study indicate that although Indonesia has a comprehensive regulatory framework, such as Law Number 35 of 2014 concerning Child Protection and Law Number 11 of 2012 concerning the Juvenile Criminal Justice System, its implementation still faces various challenges. These obstacles include weak coordination among institutions, limited capacity of law enforcement officers, low public awareness, and the persistent social stigma against child victims. This study emphasizes the importance of strengthening the capacity of officers, applying a restorative approach, fostering synergy among institutions, and public education to build an effective, integrative, and sustainable child protection system.

Raden Muhammad Fadly Latief Ashshiddiq Prawirawinata

Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Debt disputes often occur in business relationships. Sometimes debtors do not pay their debts, causing problems regarding debt repayment. One of the legal steps taken by creditors is to file a petition for bankruptcy with the Commercial Court. The requirements for bankruptcy in Indonesia are relatively straightforward, making it easy for debtors to be declared bankrupt. This is detrimental to debtors, as bankruptcy has significant implications for the sustainability of their businesses. This situation raises questions about how debtors can obtain justice in bankruptcy cases. Supreme Court Decision No. 1714 K/Pdt.Sus-Pailit/2022 serves as the case study for this research. In that decision, the judge rejected the bankruptcy petition despite it meeting the requirements of Article 2(1) of the Bankruptcy Law, as the judge believed there were still options for a simple lawsuit and the impact of bankruptcy was not proportional to the value of the debt in question. This paper was written using the normative legal research method. This study will use a regulatory approach, a conceptual approach, and a case approach. The results of this study show that debtors who are petitioned for bankruptcy

Siti Patimah; A. Gani; Fahrina Yustiasari Liriwati; Abdul Latief Arung Arafah

FUNDAMENTUM : Jurnal Pengabdian Multidisiplin 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Private Islamic Religious Colleges (PTKIS) play a strategic role in developing superior human resources with Islamic character. However, in practice, many PTKIS face challenges in meeting higher education quality standards and achieving optimal accreditation. Accreditation assistance based on Outcome-Based Education (OBE) and quality digitization are innovative solutions to improve the effectiveness of education quality management. OBE emphasizes the importance of learning outcomes integrated into the curriculum, learning process, and assessments that are measurable and relevant to the needs of the workplace. Meanwhile, quality digitization supports the efficient, transparent, and real-time management of academic data, forms, and accreditation reporting. Through the integration of these two approaches, PTKIS can improve accountability, accelerate the accreditation process, and ensure the achievement of sustainable quality standards. This article discusses the strategy of OBE-based accreditation assistance and quality digitization at the Tanggamus Islamic Education College, Lampung Province, highlighting the implementation process, obstacles encountered, and solution steps that can be applied to strengthen the PTKIS's internal quality assurance system.

Raden Palipungan; Dia Bato Salle; Irma Yanti Markus; Tamar Tangke; Agustina Pare +1 more

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This research examines the paradox of Christian leader integrity in facing political polarization and group identity in Toraja society. The background of the problem is a contradictive phenomenon where Christian communities strongly emphasize ethical character of leaders, yet strong group identification can blind them to ethical inconsistencies of supported leaders, especially in the dynamics of regional and presidential elections that divide churches. This research aims to analyze the paradox of Christian leader integrity, identify psychological, theological, and sociological factors causing ethical blindness, and formulate leadership principles that can maintain integrity amid political pressure. Using qualitative descriptive methods based on literature study, this research collects data from leadership theology literature, group identity psychology, and empirical studies on political practices in Toraja Christian communities. Research findings show that the integrity paradox manifests in local political dynamics where ethical standards become loose when leaders come from the same identity group. Factors causing ethical blindness include in-group bias and cognitive dissonance (psychological), sacred-secular dualism and permissive interpretation (theological), as well as clan structure and conformity pressure (sociological). The formulated leadership principles include commitment to biblical standards, theology-based political education, transformative prophetic role, accountability systems, contextual leadership, and building mature faith communities. The implication is that this research provides theoretical contributions to the development of contextual leadership theology and practical recommendations for church leaders in navigating the complexity of identity politics. Research recommendations include developing theology-based political education programs in churches, building leadership accountability systems, and further empirical research to validate the conceptual framework that has been built.

Marselina B; Harpennas Harpennas; Damaris Ba'ba; Meliyani Sinding; Arruan Tasik

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

This study examines the theological foundations of pastoral counseling in Christian Religious Education (CRE) within the digital era, emphasizing the integration of Trinitarian theology, adolescent developmental psychology, and the Great Commission in Matthew 28:19–20. Digitalization has reshaped adolescent struggles, introducing challenges such as cyberbullying, social media addiction, and virtual identity crises that demand contextual and transformative pastoral responses. Using a qualitative library research approach, this study synthesizes systematic theology, developmental psychology, and transformative pedagogy to construct a conceptual framework for CRE teachers in guiding the digital generation. Findings reveal that Trinitarian theology provides a holistic foundation: God the Father affirms authentic identity beyond digital validation, Christ the Redeemer restores identity from digital trauma, and the Holy Spirit guides character formation for wise engagement in the digital world. Integrating theology with developmental psychology enables a deeper understanding of the digital generation’s struggles and highlights the need for both theological depth and psychological insight. The proposed framework includes five components: Trinitarian foundation, contextual diagnosis, therapeutic intervention, supportive community formation, and the use of digital media as a ministry tool. This integrative and transformative model aims to foster holistic transformation—cognitive, affective, behavioral, and spiritual—preparing adolescents to become mature disciples who bear witness to Christ in digital spaces.

Rizal Rizal; Susi Yerni; Yonita Lestari Ndun

Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik 2025 Asosiasi Riset Pendidikan Agama dan Filsafat Indonesia

The church, as the body of Christ, carries a vital responsibility in shaping the congregation’s understanding of biblical doctrine as the foundation of a sound life of faith. However, in practice, there remains a gap between the theological instruction provided and the congregation’s actual comprehension in daily life. This study aims to analyze the level of understanding among local congregations regarding biblical doctrine, identify the factors influencing this understanding, and examine the discrepancies between teaching and its application in everyday life. This research employs a qualitative approach using a library research method, focusing on the examination of biblical texts, theological works, and relevant academic literature. The findings indicate that the congregation’s level of understanding of biblical doctrine varies and is influenced by internal factors such as spiritual motivation and faith experience, as well as external factors such as the quality of teaching and ecclesiastical leadership. The gap between teaching and understanding is attributed to the lack of contextual and interactive learning methods. This study underscores the importance of continuous and dialogical theological formation within local churches so that congregants may not only comprehend doctrine cognitively but also embody it practically in faith and action. These findings are expected to enrich the field of practical theology and serve as a reference for developing faith education within the church.

Monica Afriani; Rohman Wilian; Feny Tialonawarmi

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to determine the effect of communication and work discipline on employee performance through work supervision as an intervening variable at Jambi Ekspres Televisi. The population in this study consisted of 30 employees, all of whom were used as samples using the total sampling technique. This research employed a quantitative approach with a questionnaire based on a Likert scale, and the data were analyzed using the Partial Least Square (PLS) method through the SmartPLS software. The results showed that communication and work discipline were categorized as good and played an important role in improving employee performance through work supervision. Communication had a positive and significant effect on work supervision, while work discipline also had a positive and significant effect on work supervision. However, communication had a positive but insignificant effect on employee performance. Conversely, work discipline had a positive and significant direct effect on employee performance. Meanwhile, work supervision had a negative and insignificant effect on employee performance. The indirect effects of communication and work discipline on performance through work supervision were also negative and insignificant, indicating that work supervision has not yet played an optimal role as an intervening variable. Based on these findings, it is recommended that the company enhance internal communication effectiveness, strengthen the consistent implementation of work discipline, and optimize the role of work supervision to function more as a coaching and motivational tool, thereby contributing positively to improving employee performance.

Imelda Habeahan; Selamet Rahmadi; Rahma Nurjanah

Jurnal Ekonomi dan Keuangan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to: (1) identify and analyze the development of Third Party Funds (DPK), inflation, savings interest rates, Gross Regional Domestic Product (GRDP) at constant prices, and regional expenditure across Indonesian provinces during 2019–2023; and (2) examine the influence of inflation, savings interest rates, GRDP at constant prices, and regional expenditure on Third Party Funds in the same period. The research employs panel data regression analysis using EViews 12 for data processin.The results show that (1) the highest average growth of Third Party Funds (DPK) was recorded in South Kalimantan (11.89%), while the lowest was in Banten (-10.87%). The highest average inflation occurred in East Java (3.7%) and the lowest in Papua (2.1%). The savings interest rate peaked in 2019 at 1.17% and declined to its lowest level in 2022 at 0.37%. The highest GRDP growth was found in North Maluku (16.41%) and the lowest in West Papua (1.16%). Similarly, North Maluku also recorded the highest regional expenditure growth (14.08%), while West Papua experienced the lowest (-17.24%), reflecting economic disparities across regions in Indonesia. (2) The regression analysis reveals that GRDP at constant prices and regional expenditure have a significant and positive effect on Third Party Funds, while the savings interest rate has a significant and negative effect. In contrast, inflation shows no significant effect on Third Party Funds.

Aulia Syafriza; Zulgani Zulgani; Jaya Kusuma Edy

Jurnal Ekonomi dan Keuangan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to determine and analyze the development and influence of exports, exchange rates, inflation, and GRDP on the exchange rate of smallholder plantation farmers in Jambi Province. This study uses multiple linear regression analysis for the period 2009-2024 in Jambi Province. The development of exports, exchange rates, inflation, and GRDP fluctuates annually. Where the average development of exports in Jambi Province in 2009-2024 was 15.22%, the average development of exchange rates was 3.06%, the average development of inflation was 49.07%, the average development of GRDP was 6.22% and the average development of the exchange rate of smallholder plantation farmers in Jambi Province was 4.57%. The results of the study using multiple linear regression resulted in the finding that the variables of exports, exchange rates, inflation, and GRDP simultaneously influenced the exchange rate of smallholder plantation farmers in Jambi Province in 2009-2024. Meanwhile, partially, the export, exchange rate, and inflation variables have a negative effect on the exchange rate of farmers in the smallholder plantation sub-sector in Jambi Province, while the GRDP variable has a substantial positive effect on the exchange rate of farmers in the smallholder plantation sub-sector in Jambi Province in 2009-2024.

Novika Nur Fitriana; Ismiati Ismiati; Pandu Kurniawan; Sulasih Sulasih

Jurnal Pajak dan Analisis Ekonomi Syariah 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to examine various factors that influence customers' engagement in choosing the Cicil Emas product as a form of long-term investment at Bank Muamalat Purwokerto. This research is based on the increasing trend of gold investment in the community caused by the increase in gold prices and awareness of the importance of halal investment according to sharia principles. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation of Bank Muamalat Purwokerto. The results show that customer interest is influenced by several main factors, namely trust in sharia principles through the murabahah contract, a positive perception of gold as a stable investment asset, the ease of installment procedures that are flat and transparent, and the efficiency of the payment system through autodebit. In addition, social factors such as family recommendations and active promotions from the marketing department also strengthen customer interest. From the SWOT analysis, it was found that the main strength of this product lies in Bank Muamalat's reputation as a pioneering sharia bank and a stable installment system, while its main weaknesses are limited physical gold stocks and low public investment literacy. With increasing public awareness of sharia investment and the large market potential in Purwokerto, the Cicil Emas product has strong prospects for continued growth as a safe and Islamically-compliant long-term investment instrument.