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In the era of globalization, identity and cultural crises are increasingly prevalent in many societies, including in Indonesia. This is caused by the integration of new cultures and values that obscure the roots of local traditions. Cultural Islamic boarding schools play an important role in responding to this phenomenon by offering a holistic approach that combines religious education with the preservation of local culture. The Ndalem Wongsorogo Cultural Islamic Boarding School in Kendal, Central Java, is a real example in the effort to preserve local traditions and identities. This boarding school not only teaches religious values, but also arts, culture, and practical skills such as barista and fine arts. This approach allows students to develop a more holistic understanding of their identity, combining faith with local wisdom. With routine activities such as gamelan practice, klenengan, and hadroh, this boarding school functions as a center for the preservation of arts and traditions as well as a repository of cultural heritage. This article explores the role of cultural boarding schools in maintaining cultural identity amidst the flow of globalization and offers insights into how this institution can become an adaptive educational model that answers the challenges of modernization without abandoning cultural roots

Penelitian ini mengkaji tentang faktor yang mempengaruhi tumbuhnya rasa solidaritas sosial pada komunitas pengemudi ojek online Marbun Delivery. Fokus utama dalam penelitian ini adalah bagaimana interaksi sosial mempengaruhi tumbuhnya rasa solidaritas sosial pengemudi ojek online Marbun Delivery dan apa bentuk solidaritas sosial yang dihasilkan oleh pengemudi ojek online Marbun Delivery. Penelitian ini menggunakan teori solidaritas sosial dari Emile Durkheim. Metode penelitian yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan deskriptif yang bertujuan untuk memahami dan mendeskripsikan fenomena yang dialami oleh subjek penelitian. Teknik pengumpulan data yang digunakan adalah metode observasi, wawancara tidak terstruktur, dan dokumentasi. Analisis data yang digunakan melalui tahap reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa cara pengemudi ojek online Marbun Delivery membangun rasa solidaritas sosial adalah adanya ketergantungan antara pengemudi dengan pengemudi serta pelanggan dan dengan menjalankan pekerjaan yang sama. Sedangkan bentuk solidaritas sosial dari komunitas pengemudi ojek online Marbun Delivery terdiri dari kerjasama dan berbagi pelanggan.

Metaphysics is a part of the philosophy of science that studies reality. Metaphysics is a part of philosophy about the nature behind physics (which appears). This essence is usually abstract and beyond the reach of ordinary human experience. This phenomenon is the focus of this article, so that it becomes a discussion that can be accepted by humans in general.  This paper uses library research (library research) with data sources in the form of scientific articles, books, documents, journals and other sources of a library nature. The data was collected and then analyzed in depth using content analysis techniques and presented descriptively. The research results show that the phenomenon of the revelation of the Koran itself contains metaphysical elements such as the nature of God, His creation and humans so that metaphysics cannot be separated from the practical life of the Islamic religion. The beauty and value of a process in Islam in studying the Koran and  and position on earth, namely as servants and caliphs.

Fenomena green consumers di Indonesia masih terus berkembang seiring dengan peningkatan kesadaran dan edukasi terkait isu-isu lingkungan. Salah satu produk yang green product yaitu produk The Body Shop. The Body Shop melakukan konstruksi pengetahuannya terhadap beauty activists sehingga beauty activists juga melakukan konstruksi pengetahuannya kepada lingkungan sosialnya.  Adapun tujuan dari penelitian ini adalah untuk mengetahui bagaimana konstruksi pengetahuan yang dibangun oleh beauty activists terkait green product yang ada di Kota Batam. Penelitian ini menggunakan metode peneltian kualitatif dengan informan sebanyak 10 orang yang didalamnya terdapat manager dari The Body Shop dan beauty activists yang tergabung ke dalam customer The Body Shop. Penelitian ini menggunakan teknik dan alat pengumpulan data berupa observasi, wawancara dan dokumentasi. Hasil penelitian ditemukan bahwa di dalam penelitian ini konstruksi beauty activists  sudah terbangun yaitu dengan berupa pengetahuan-pengetahuan baru untuk meciptakan adanya pengetahuan, kesadaran, kepedulian dan peningkatan rasa kepemilikan dari beauty activists terhadap produk The Body Shop. Beauty activists juga sudah melakukan konstruksi kepada lingkungan sosialnya dan beauty activists juga sudah memahami green product ini karena mereka sudah menunjukkan bahwa produk yang mereka pilih dan gunakan sudah memberikan dampak dan adanya pengetahuan-pengetahun baru yang juga disampaikan dari The Body Shop.

Doomsday is the culminating event of all life on this earth in the form of the destruction of the universe and all its contents, including human existence. No creature can survive the apocalypse. This phenomenon is explained in several verses of the Koran. Imam Al-Qurt}ubi is of the view that the last day and doomsday will occur if knowledge is revoked, there will be many earthquakes, time will pass very quickly, there will be a lot of slander and chaos and murder will occur everywhere. The aim of this research is to determine the linguistic aspects of the doomsday phenomenon in al-Qurtubi's view. The research method used in this research is library research. The data source was obtained from primary data sources in the form of the Al-Qurt}ubi interpretation book entitled Al-Jamī' Li Al-Ahkam Al-Qur'ān. And primary data sources come from various related literature in the form of books and journals. Data collection techniques use library and documentation techniques. Then the data was analyzed using content analysis. This research resulted in the finding that the linguistic aspects regarding the doomsday phenomenon are known to be dominated by metaphors in the narrow and open sense in several verses of the Qur'an. These two forms of language style both do not mention comparative motifs.

The use of E-Commerce platforms has a significant impact on students' shopping patterns and consumption behavior. This article aims to analyze the factors that influence students in choosing to shop through E-Commerce and its impact on students' consumptive behavior from the perspective of consumption theory and modernization theory. The method used in this research is a qualitative approach, with sources collected through literature studies, data analysis, validity of analysis with data triangulation techniques. The results show that factors such as ease of use, price, product quality, availability of goods, emotional benefits, and tangible evidence influence students in choosing to shop through E-Commerce. The impact is a significant change in students' consumption patterns, which includes satisfaction with purchases, ease of product access, but also uncertainty about future needs and changes in shopping priorities. The implication is the importance of financial awareness and wise financial management skills for university students in dealing with the use of E-Commerce to minimize the negative impacts and maximize the benefits in improving their quality of life.    

Indonesia is a multicultural country, so if you look at it, an approach in religion that emphasizes tolerance, mutual respect and open dialogue between various religions and beliefs is needed. In the political context, freedom of religion and belief can serve as a tool to prevent the politicization of religion. The politicization of religion seems to be the target of political contestation in Indonesia with digital media being its weapon that forms a polarization. The method used in this study is a qualitative descriptive method. The selection of this method is based on the purpose of the research, which is to understand the reality of the implementation of elections, the strengthening of religious politicization in Indonesia. The results of scientific work show that the Government of Indonesia can elaborate with digital media in developing freedom of religion and belief as an effort to prevent the politicization of religion that has been polarized.

This research aims to determine the study of the phenomenon of children dropping out of school at SMA Negeri 2 Muara Badak, Kutai Kartenegara Regency. This type of research is descriptive qualitative. The focus of this research is to determine the phenomenon of female students dropping out of school at SMA Negeri 2 Muara Badak and the school's efforts to deal with female students dropping out of school at SMA Negeri 2 Muara Badak. The data collection techniques used were observation, interviews and documentation. The data analysis techniques used are data reduction, data display, data presentation and drawing conclusions.The results of this research show that the factors causing children to drop out of school at SMA Negeri 2 Muara Badak are categorized based on internal and external factors. Low internal factors include motivation and lack of understanding of the importance of education, intelligence and learning disorders, as well as lack of discipline regarding time. Meanwhile, external factors are caused by teachers who are angry, fierce and like to curse, and there is a lack of family support to help these children overcome their problems at school.

Pemanfaatan spektrum gelombang radio telah meningkat pesat dalam beberapa dekade terakhir, namun tidak sejalan dengan ketersediaan frekuensi yang tersedia untuk pengguna. Fenomena ini diperparah oleh banyaknya pita frekuensi yang tidak digunakan oleh pemiliknya, yang menciptakan spectrum holes atau white spaces. Dalam konteks ini, teknologi Cognitive radio (CR) menjadi penting karena memungkinkan pengguna sekunder (secondary user) untuk mengakses dan menggunakan spectrum holes tanpa mengganggu pengguna primer (primary user). CR memungkinkan adaptabilitas perangkat radio dengan memanfaatkan cognitive cycle, dengan tahap utamanya adalah Spectrum sensing, di mana perangkat CR mencari spectrum holes dalam spektrum radio yang tersedia. Tahap berikutnya, Spectrum analysis dan Spectrum Decision, memungkinkan CR untuk mengoptimalkan penggunaan spektrum sesuai dengan kondisi yang ditemui. Paper ini bertujuan untuk melakukan tinjauan singkat terhadap implementasi CR, khususnya pada aspek spectrum sensing. Kami mengevaluasi berbagai teknik spectrum sensing, mengidentifikasi kelebihan, kekurangan, serta tantangan yang dihadapi. Dengan teknologi CR, pemborosan sumber daya spektrum dapat diminimalkan dan efisiensi komunikasi nirkabel dapat ditingkatkan. Paper ini memberikan pemahaman mendalam tentang pengembangan terbaru dalam spectrum sensing pada jaringan radio kognitif, serta memberikan panduan bagi penelitian dan implementasi di masa depan.

Viral describes something that is often associated with content on social media. Usually synonymous with something or information that is interesting and spreads quickly. Viral content creates a desire for social media users to repost the content. In the digital era, social media seems to be a basic need for sharing information, photos or videos. This research discusses the virality of Bunda Corla, a public figure known to the public through her content on TikTok. The TikTok account @bundacorlaofficials is a medium of communication with its followers to share information about Bunda Corla's daily activities. This study using a qualitative approach examines the role of TikTok in the virality phenomenon of Bunda Corla. Data collection used interviews, literature studies and observations on the TikTok account @bundacorlaofficials as the main source of research data. Research using new media theory by Pierre Levy and research results from Deza and Parikh regarding measuring the virality of content which is influenced by views, up votes, down votes and share value. It was revealed that content becomes viral if it is shared repeatedly and spreads on social media.

The discourse regarding al-i'jaz al-'ilmi is a contemporary issue in the i'jaz al-Qur'an, especially if it is related to the discourse on the integration of science and religion. This is in line with the view that the Qur'an contains al-i'jaz al-'ilmi, so that it provides motivation and guidance for the development of science. However, errors in integrating science and religion will give birth to "pseudoscience" or "pseudoscience" which of course is not scientific. Even more than that, someone will be trapped in the "religiousization" of science or "sainization" of religion which assumes that religion and science can complement, complement and correct each other. Therefore, within the framework of the Philosophy of Science with library research type research, this article presents a study of the possibility of developing science based on the Koran. Even though there have been efforts to root scientific findings in the Koran, from the perspective of the Philosophy of Science, this is not necessarily science based on the Koran, in fact it may not even be science, but simply a layman's choice which is non-scientific. There is a pattern of scientific development which, although based on religion, still has scientific value, consisting of three layers of philosophical basis, namely theoretical framework, scientific paradigm and theological basis. By carefully following this pattern, the development of science can not only avoid pseudoscience, but will also give birth to science with high scientific value within the framework of the Koran. Then the development project is carried out with institutional-collective-cultural work.    

In the recesses of the Palestine-Israel conflict which continues to metamorphose, the Intifada movement has become a symbol of resistance to occupation and oppression which curbs the aspirations of the Palestinian people. However, in this era of increasingly connected globalization, the dynamics of this movement are experiencing a significant transformation, which challenges traditional paradigms and brings new challenges that affect both parties. With major challenges such as perceived injustice and political instability, resolving this conflict has the potential to reduce extremism and increase stability in the Middle East, so this study will explore how the Palestinian Intifada influenced conflict resolution efforts with the aim of understanding the essence of the Intifada movement which is often seen as a form of extremism and radicalization, and this study will also explore the transformation of the Palestinian Intifada into a global phenomenon, considering its impact on conflict dynamics and practical approaches to achieving sustainable and stable peace in the region.    

This journal discusses the impact of TikTok's $1.5 billion USD acquisition of Tokopedia shares. Following the closure of TikTok Shop in Indonesia due to licensing issues, ByteDance (TikTok's parent company) re-entered the Indonesian e-commerce market through an investment in Tokopedia. This acquisition has sparked speculation about the collaboration and its impact on Indonesia's digital industry. Tokopedia will manage TikTok Shop in Indonesia, while TikTok will continue to operate as a social media platform. Concerns have arisen about potential monopoly and China's geopolitical influence, given ByteDance's close ties with the Chinese government. Issues of data ownership and security have also been highlighted as serious threats. This article emphasizes the importance of vigilance against foreign influence and its impact on Indonesia's economic sovereignty, drawing parallels to historical experiences such as the Trojan Horse, which illustrates the dangers of complacency.

Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia mengalami perkembangan yang signifikan. Dalam perekonomian Indonesia, UMKM menjadi kelompok usaha dengan jumlah terbesar. Bahkan saat terjadi krisis global, UMKM tetap berperan sebagai penopang perekonomian negara. Laporan keuangan merupakan salah satu aspek kritis dalam mengelola Usaha Mikro, Kecil, dan Menengah (UMKM). Laporan keuangan adalah alat yang sangat penting bagi pemilik UMKM.Penelitian ini menggunakan metode kualitatif dengan menguraikan fenomena dan fakta yang ada atau terjadi dalam obyek penelitian. Data diperoleh dari hasil observasi dan wawancara yang dilaksanakan di UMKM Bandar Pentol Informatic selama bulan April 2024. Bandar Pentol Informatic merupakan usaha yang bergerak dibidang produksi pangan khususnya memproduksi daging. Usaha ini beroperasional setiap hari. Lokasinya berada di jl. Raya kedung cowek, Kenjeran, Surabaya. Usaha Bandar Pentol Carismatic ini dibangun dalam skala kecil. Pada awal mendirikan usaha pentol ini, Bapak Rozikin hanya menjual di desa-desa dekat rumah. Seiring berjalannya waktu, permintaan konsumen semakin banyak dan beliau mulai membuka cabang pentol. Usaha Bandar Pentol Informatic ini dapat memproduksi kurang lebih 15 kg dalam sehari. Dalam siklus akuntansi, biasanya periode laporan disajikan tahunan.Laporan yang dibuat yaitu Laporan laba rugi, laporan ekuitas pemilik, dan laporan posisi keuangan.

Abstract. Online shopping is a new technique in the world of trade in the lives of people in the modern era. Online shopping is also considered practical because online marketing utilizes the internet as a potential source of information to facilitate the life system. With global technological advancements of transactions that continues to develop, many opportunities for convenience are open for people in shopping activities. One of them is through online buying and selling known as e-commerce. This phenomenon shows that e-commerce platforms such as Tiktok, Shopee, Tokopedia, Lazada, Blibli, and Bukalapak have become the main choice for people in making shopping transactions today. This reflects the widespread adoption of the concept of online shopping as a practical and efficient alternative to meet consumer needs. This development also marks the transformation of the traditional way of shopping towards a more modern model that is integrated with technology. In carrying out this transaction, various types of contracts are used, such as the istishna contract. This istishna contract can be used for online purchases and sales can be established in a more structured manner and in accordance with sharia principles. Through this contract, buyers and sellers can carry out transactions clearly and fairly, and ensure that the goods or services ordered are suitable with the requirements and anticipations of the buyer. This research makes use of a descriptive qualitative approach involving reading theory, which includes methods of collecting and analyzing data from a variaty of sources including books, scientific notebooks, references, & additional literature partinent to the study topic. The purpose of this study is to determine the use of the isttishna contract for online purchases and sales made under the cash on delivery (COD) method with the hope of producing a through comprehension of the idea of the isttishna contract in Islamic economics and the ways in which these ideas might be used in cash on delivery (COD) transactions. Keywords: Contract istishna, cash on delivery (COD), buy and sell online   Abstrak. Penjualan online  adalah  pola perdagangan  yang telah merevolusi cara hidup masyarakat umum pada zaman sekarang. Penjualan online menjadi lebih umum karena penjualan ini menggunakan internet untuk menyediakan  pengetahuan yang  berpotensi  berguna  untuk memperlancar pola hidup. Dengan kemajuan teknologi dalam dunia transaksi yang terus berkembang, terbuka banyak peluang kemudahan bagi masyarakat dalam kegiatan berbelanja. Salah satunya adalah melalui jual beli online yang dikenal sebagai e-commerce. Fenomena ini menunjukkan bahwa platform penjulaan online contohnya Tiktok, Shopee, Tokopedia, Lazada, Blibli, serta Bukalapak telah menjadi pilihan utama masyarakat dalam melakukan transaksi belanja saat ini. Hal ini mencerminkan adopsi yang luas terhadap konsep belanja online sebagai alternatif yang praktis dan efisien dalam memenuhi kebutuhan konsumen. Perkembangan ini juga menandai transformasi cara tradisional berbelanja menuju model yang lebih modern dan terintegrasi dengan teknologi. Dalam pelaksanaan transaksi ini, digunakan berbagai jenis akad seperti akad istishna. Dengan menggunakan akad istishna, transaksi jual beli online dapat terjalin dengan lebih terstruktur dan sesuai dengan prinsip syariah. Melalui akad ini, pembeli dan penjual dapat menjalankan transaksi dengan jelas dan adil, juga memverifikasi bagian atau item tersebut yang dikirim sebanding dengan keperluan dan harapan pembeli. Penelitian ini meggunakan metode kualitatif deskriptif dimana melibatkan teori kepustakaan, yang mencakup metode pengumpulan dan analisis data melalui beragam referensi misalnya buku, jurnal akademik, referensi, serta rujukan lain yang berhubungan terkait pokok penelitian. Penelitian  ini  bertujuan agar mengetahui penerapan akad isttishna dalam sistem cash on delivery (COD) pada transaksi jual beli online dengan harapan menghasilkan pemahaman mendalam tentang konsep akad istishna dalam ekonomi syariah serta bagaimana prinsip-prinsip ini dapat diterapkan dalam transaksi cash on delivery (COD). Kata Kunci: Akad istishna, bayar ditempat, jual beli online

24-hour Madura stalls have become part of the economic life of local communities in many cities in Indonesia. This research aims to analyze the role of 24-hour Madura food stalls in strengthening local community solidarity while adapting to the dynamics of modern economic development. Warung Madura 24 hours plays an important role in strengthening local community solidarity by providing employment opportunities for local communities and being a vital place for social interaction. However, Madura stalls have their own challenges, namely competition between modern stalls and minimarkets that offer similar products on a larger scale. In our research we concluded that 24-hour Madura warungs have a significant role in strengthening local community solidarity while remaining relevant in modern economic development.

Consumerism culture is generally defined as a mindset and lifestyle that emphasizes the consumption of goods and services as the main way to achieve satisfaction, identity, and social status. The phenomenon of consumption culture encompasses various aspects that reflect how the consumption of goods and services affects the lives of individuals and society as a whole. In this study, analyze and explore the factors of consumerism that drive the popularity of fast food among Generation Z, such as ease of access, social media influence, digital marketing strategies. The results showed that Generation Z considers fast food as a practical and economical option, and is influenced by trends or promoted virally by influencers and advertisements on digital platforms. So the results show that Generation Z tends to have consumption patterns that are driven by the need for identity and self-expression, and influenced by social media trends and influencers. This research uses qualitative methods with a phenomological approach. Which data collection techniques taken by this study by observation, interviews, and documentation.

The era of globalization brings changes that occur in society. Especially in the development of technology is now increasingly sophisticated which brings us to various conveniences, such as means of communication and the dissemination of information that is getting faster. The dissemination of information that is not accompanied by existing field facts will present various chaos in social media, one of which is the emergence of the Spill the Tea phenomenon which is a pronoun for gossip or gossip. This article aims to find out how the spill the tea phenomenon as a representation of virtual gossip in terms of Islam and citizenship. The method used in this research is literature study focusing on data or information related to the subject matter under study. Data collection through books or recent journals related to the research topic, then the data is analyzed descriptively to unravel the problem.

Abstract. The Islamic financial industry in Indonesia is experiencing rapid development. Generally, Abstract. factors such as knowledge, needs, abilities, concerns and judgments influence customer decisions in using financial products. However, with the variety of influencing factors, many students and individuals with higher education are not yet interested in saving in Islamic banks. As students, they may have a superior understanding because as students, students continue to review the transformation of the times. As part of the academic world, students are accustomed to the continuous learning process, gaining deeper insights into changes and trends in various fields. This study aims to uncover the views of students and family circles who tend to prefer conventional banks over sharia banks. Likewise, this study is also intended to provide public understanding of bank selection knowledge, so that it can stimulate deeper discussions regarding individual considerations in choosing sharia banks. On the other hand, this study was compiled with the aim of clarifying the importance for students to consider their choices of  sharia banks. This study is intended to explore knowledge about sharia banking and the family environment towards sharia banks. The method applied in this study is a qualitative descriptive method. With data analyzed using a questionnaire filled out by 51 student respondents. The main objective of the study is focused on understanding the knowledge of students and family environment towards sharia banks, a descriptive qualitative approach with the intention of describing and analyzing the causes of a phenomenon. Data collection is carried out through observation and observation to describe the phenomena that occur. The research respondents consisted of 50 students from various campuses. The study revealed that there were variations in perception among students. and family environment, including in terms of gender, student knowledge, and the influence of the family environment on sharia banks. Keywords: Student knowledge, family environment, sharia bank    Abstrak. Industri keuangan Islam di Indonesia sedang mengalami perkembangan. yang cepat. Umumnya, faktor-faktor seperti pengetahuan, kebutuhan, kemampuan, perhatian dan penilaian yang memengaruhi keputusan pelanggan dalam menggunakan produk keuangan. Meskipun begitu, dengan beragamnya faktor yang memengaruhi, banyak mahasiswa dan individu yang memiliki pendidikan tinggi belum tertarik untuk menabung di bank syariah. Sebagai mahasiswa mungkin memiliki pemahaman yang lebih unggul karena sebagai pelajar, mahasiswa terus meninjau transformasi zaman. Sebagai bagian dari dunia akademis, mahasiswa terbiasa dengan proses pembelajaran yang berkelanjutan, memperoleh wawasan yang lebih mendalam tentang perubahan dan tren dalam berbagai bidang. Penelitian ini bertujuan untuk mengungkap pandangan mahasiswa dan lingkup keluarga yang cenderung lebih memilih bank konvensional daripada bank syariah. Demikian pula, penelitian ini juga dimaksudkan untuk memberi pengertian masyarakat mengenai pengetahuan pemilihan bank, sehingga dapat merangsang diskusi yang lebih mendalam mengenai pertimbangan individual dalam memilih bank syariah. Disisi lain, penelitian ini disusun dengan tujuan untuk memperjelas pentingnya bagi mahasiswa untuk mempertimbangkan pilihan mereka terhadap bank syariah. Penelitian ini dimaksudkan untuk mengeksplorasi pengetahuan mengenai perbankan syariah dan lingkungan keluarga terhadap pada bank syariah. Metode yang diterapkan dalam penelitian ini adalah metode deskriptif kualitatif. Dengan data dianalisis menggunakan kuisioner yang diisi oleh 51 responden mahasiswa. Tujuan utama penelitian difokuskan untuk memahami pengetahuan mahasiswa dan lingkungan keluarga terhadap bank syariah, pendekatan kualitatif deskriptif dengan maksud menguraikan dan menganalisis penyebab suatu fenomena. Pengumpulan data dilakukan melalui pengamatan dan observasi untuk mendeskripsikan fenomena yang terjadi. Responden penelitian terdiri dari 50 mahasiswa dari berbagai kampus. Penelitian mengungkapkan bahwa terdapat variasi persepsi di kalangan mahasiswa. dan lingkungan keluarga, termasuk dari segi gender, pengetahuan mahasiswa, dan pengaruh lingkungan keluarga terhadap bank syariah. Kata Kunci : Pengetahuan mahasiswa, lingkungan keluarga, bank Syariah

This research aims to explore the phenomenon of hedonism among recipients of the Kartu Indonesia Pintar Kuliah (KIPK) scholarship from a new socio-economic perspective. Using a qualitative approach with in-depth interview methods, this study was conducted at Universitas Negeri Jakarta in May 2024. A total of 8 students, both KIPK recipients and non-recipients, were purposively selected as informants. Data collection techniques were carried out through face-to-face interviews or communication media using structured interview guidelines. The data obtained were then thematically analyzed to identify patterns, differences, and key factors influencing the hedonism phenomenon among KIPK recipients. The research results reveal that social pressure, campus environment, social media, ineffective financial management, and lack of financial education are the main driving factors of consumptive behavior among KIPK scholarship recipients. The findings also identify negative impacts such as misuse of funds, social jealousy, and misalignment in the implementation of the scholarship program. This research provides important insights to enhance the effectiveness of financial aid programs through a more holistic and sustainable approach.