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The purpose of this research is to analyze how strategies for collecting and managing Third Party Funds (DPK) affect the profitability level of Bank Jatim. As the bank’s main funding source, the effectiveness of DPK management significantly determines its ability to distribute credit, maintain liquidity, and improve financial performance. This research applies a qualitative descriptive methodology within a case study framework at Bank Jatim, with data collected through comprehensive field observations. conducted during the MBKM internship program in the Accounting and Financial Management Division, complemented by the analysis of Bank Jatim’s financial statements for the 2024–2025 period. The findings reveal that the 15% growth in DPK in 2024 positively contributed to the increase in productive assets, net interest margin (NIM), and return on assets (ROA). Bank Jatim’s main strategies include increasing the proportion of low-cost funds (CASA), digitalizing services through the JConnect application, collaborating with local governments, and providing exclusive services for priority customers. These approaches not only promote the growth of low-cost funds but also strengthen customer loyalty and the bank’s competitiveness amid the evolving banking landscape. The study concludes that innovative, efficient, and digitally based DPK management enhances Bank Jatim’s profitability and reinforces its role as a regional development bank. The study recommends strengthening financial literacy among the public and diversifying deposit products to expand the customer base..      Keywords: Third Party Funds, Bank Jatim, Profitability, Digital Banking, Financial Management Abstrak. Penelitian ini bertujuan untuk menganalisis bagaimana strategi penghimpunan dan pengelolaan Dana Pihak Ketiga (DPK) berpengaruh terhadap tingkat profitabilitas Bank Jatim. Sebagai sumber pendanaan utama, efektivitas pengelolaan DPK memiliki peran penting dalam menjaga kemampuan bank untuk menyalurkan kredit, mempertahankan likuiditas, serta meningkatkan kinerja keuangan secara keseluruhan. Metode penelitian yang diterapkan adalah deskriptif kualitatif dengan menggunakan pendekatan studi kasus pada Bank Jatim. Data dikumpulkan melalui kegiatan observasi langsung di lapangan. program magang di Divisi Akuntansi dan Manajemen Keuangan, serta melalui analisis laporan keuangan Bank Jatim periode 2024–2025.Hasil penelitian menunjukkan bahwa pertumbuhan DPK sebesar 15% pada tahun 2024 memberikan dampak positif terhadap peningkatan aset produktif, Net Interest Margin (NIM), dan Return on Assets (ROA). Strategi utama yang diterapkan Bank Jatim mencakup peningkatan proporsi dana murah (CASA), digitalisasi layanan melalui aplikasi JConnect, kolaborasi dengan pemerintah daerah, serta penyediaan layanan eksklusif bagi nasabah prioritas. Strategi tersebut tidak hanya berhasil mendorong peningkatan dana murah, tetapi juga memperkuat loyalitas nasabah dan daya saing Bank Jatim di tengah ketatnya persaingan industri perbankan.Kesimpulan penelitian ini menunjukkan bahwa pengelolaan DPK yang inovatif, efisien, dan berbasis digital berkontribusi signifikan terhadap peningkatan profitabilitas Bank Jatim sekaligus memperkuat perannya sebagai bank pembangunan daerah. Rekomendasi dari penelitian ini adalah perlunya peningkatan literasi keuangan masyarakat serta diversifikasi produk simpanan untuk memperluas basis nasabah   Kata kunci: Dana Pihak ketiga, Bank Jatim, keuntungan , Digital Banking, Financial Management

Air bersih merupakan kebutuhan pokok yang sangat penting bagi kehidupan manusia. Seiring dengan pertambahan dan perkembangan penduduk kebutuhan akan air bersih juga semakin meningkat, untuk itu perlu dilakukan analisis terhadap sistem jaringan perpipaan eksisting. Penelitian ini dilakukan dengan bantuan Pamsimas Sendang Lumintu Desa Sendangkulon Kecamatan Kangkung yang bertujuan untuk mengetahui kondisi eksisting sistem jaringan perpipaan Pamsimas Sendang Lumintu untuk tahun 2024 , mengetahui berapa besar kebutuhan air yang dibutuhkan untuk memenuhi pertumbuhan penduduk sampai dengan tahun 2039,  dan menganilisi kondisi eksisting sistem jaringan perpipaan Pamsimas Sendang Lumintu untuk tahun 2039. Metode yang digunakan dalam penelitian ini adalah dengan mengumpulkan data sekunder lalu menganalisis data tersebut dengan program EPANET 2.0 sehingga didapatkan hasil simulasi. Hasil simulasi menunjukan bahwa pada tahun 2024 besar debit kebutuhan rata-rata yaitu sebesar 16,27 liter/detik, kebutuhan harian maksimum 17,90 liter/detik dan kebutuhan jam puncak 24,40 liter/detik. Sedangkan untuk tahun 2039 besar debit kebutuhan rata-rata yaitu sebesar 20,92 liter/detik, kebutuhan harian maksimum 23,01 liter/detik dan kebutuhan jam puncak 31,38 liter/detik. Kondisi hidrolis eksisting sistem jaringan Pamsimas Sendang Lumintu Kecamatan Sendangkulon masih ada yang tidak sesuai kriteria. Kriteria yang dianalisa adalah sisa tekan dan kecepatan air. Pada jam puncak terdapat beberapa titik yang menghasilkan sisa tekan kurang dan kecepatan dibawah kriteria

This study aims to analyze the collaborative model between parents and childcare workers in the faith development of pre-adolescent children at GKII Imanuel Amborawang Darat. A descriptive qualitative approach was used, utilizing Bandura's social learning theory, Bronfenbrenner's human development ecology, and the concept of faith education according to Pazmino and Turansky & Miller as theoretical foundations. The results of the study indicate that effective collaboration between parents and childcare workers creates synergy in fostering children's faith through spiritual communication, living examples, and ongoing spiritual guidance. An integrated faith environment between home and church plays a crucial role in helping pre-adolescent children internalize Christian values. In facing the challenges of digital culture, this collaboration is key to strengthening the foundation of children's faith. This study emphasizes the importance of a strategic and sustainable partnership between families and churches in the process of forming children's faith, so that they can better face the various challenges of this digital era.

Micro, Small, and Medium Enterprises (MSMEs) are a major pillar of the national economy, but Rengginang MSMEs in Dolok Kahean Village face challenges adapting to the digital era, characterized by limited market reach through traditional methods and minimal product exposure due to not utilizing digital media. In fact, a digital presence is crucial for achieving positive benefits such as higher income. The main objective of this community service is to provide intensive assistance in implementing digital marketing strategies for Rengginang MSMEs. The implementation method is based on the principle of Participation with a Participatory Action Research (PAR) approach. Concrete actions include intensive Capacity Building Training on digital marketing fundamentals, branding strategies, and product photography techniques, followed by direct assistance in creating and managing social media accounts. The results of the community service demonstrate the successful transformation of Rengginang MSMEs into digitally literate MSMEs. Key achievements include increasing partner digital capacity, activating new digital marketing channels, and strengthening product visual branding. Evaluation through FGDs confirms that this implementation triggers a significant expansion of market reach beyond village boundaries and increased consumer awareness. The conclusion confirms that intensive mentoring is a vital strategy to bridge the digital divide at the village level, thereby effectively supporting the development of the local creative economy and accelerating economic growth.

This research aims to analyze the effect of leverage, liquidity, and sales growth on profitability in food and beverage companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2024 period. The study used a purposive sampling method with 69 companies and 276 observation data. The data were analyzed using multiple linear regression through SPSS version 26 after classical assumption tests. The results show that leverage (Debt to Equity Ratio) has a negative effect on profitability, while leverage (Debt to Asset Ratio) has no effect. Liquidity measured by the Current Ratio has a positive effect, while the Quick Ratio has no effect on profitability. Sales growth positively affects profitability. Simultaneously, leverage, liquidity, and sales growth significantly influence profitability (Return on Assets) in food and beverage companies. These findings imply that companies should maintain an optimal capital structure and liquidity level to sustain profitability amid competition in the food and beverage sector.

Plant growth regulators are organic or synthetic compounds that function to regulate and stimulate plant growth, both in the vegetative and generative phases. The administration of plant growth regulators (PGRs) is an effort to provide hormones to plants for optimal growth. The purpose of this study was to determine the growth and yield of expired corn (Zea mays L.) plants after the administration of various plant growth regulators. The research using a randomized block design consisted of 10 treatments where treatment A = new seeds + Aquades, B = new seeds + 500 cc / L ZPT bean sprout extract, C = new seeds + 500cc / L ZPT young coconut water, D = new seeds + 0.2 cc / L Auxin, E = new seeds + 0.2 cc / L Gibberellin, F = expired seeds + Aquades, G = expired seeds + 500 cc / L ZPT bean sprout extract, H = expired seeds + 500 cc / L young coconut water, I = expired seeds + 0.2 cc / L Auxin, J = expired seeds + 0.2 cc / l Gibberellin. Each treatment was repeated 3 times, until 30 experimental units were obtained. Based on the results of the study, the highest plants were found in treatment I = expired seeds + 0.2 cc / L auxin at plant age 6 MST with an average of 257,667. The observation of the highest number of leaves was found in treatment I = expired seeds + 0.2 cc / L auxin at plant age 6 MST with an average of 14,530 strands, the best stem diameter was in treatment F = expired seeds + Aquades, at plant age 5 MST with an average stem diameter of 28,733, observations on the weight of the cob with husk and the best weight of the cob without husk were found in treatment F = expired seeds + Aquades with an average of 287,200 grams, and 251,533 grams, observations on the length of the best cob in treatment F = expired seeds + Aquades with an average length of 19,900 cm.

Arbuscular Mycorrhizal Fungi (AMF) are biological agents that play an important role in increasing the efficiency of nutrient uptake and plant tolerance to abiotic stress, especially in acidic soils such as ultisols. This study aims to analyze the growth and yield responses of chili (Capsicum annuum L.) to the combination of NPK fertilizer doses and AMF inoculation. The study was conducted in Sungai Talang, Gadut, Agam Regency, from June to October 2025 using a Factorial Completely Randomized Design with two factors, namely AMF inoculation (without AMF, Glomus sp., and Rhizophagus sp.) and NPK fertilizer doses (100%, 75%, 50%, and 25% of the recommendation). The results showed a significant interaction between AMF inoculation and NPK doses on plant height, dry weight, flowering time, and fruit yield per plant. Glomus sp. inoculation with a 50% NPK fertilizer dose resulted in the highest growth and yield, equivalent to the 100% NPK treatment without AMF. The integration of AMF with a 50% reduction in NPK dosage has been shown to maintain crop productivity. This strategy can serve as a basis for developing a sustainable agricultural system based on nutrient efficiency and soil microbial balance.

This study aims to determine the effectiveness of goat manure and liquid organic fertilizer made from coffee husk waste on the growth of Java tea (Orthosiphon aristatus) cuttings. The study used a factorial Randomized Block Design (RBD) consisting of two factors with 48 plots. The first factor was the application of goat manure, symbolized as “S,” with four treatment levels: S0 (without goat manure), S1 (250 g/polybag), S2 (350 g/polybag), and S3 (450 g/polybag). The second factor was the application of liquid organic fertilizer made from coffee husk waste, symbolized as “K,” with four treatment levels: K0 (0 ml/L water/polybag), K1 (30 ml/L water/polybag), K2 (60 ml/L water/polybag), and K3 (90 ml/L water/polybag). Thus, there were 16 treatment combinations with three replications. The parameters observed in this study were the time of shoot emergence, number of shoots, shoot length, number of leaves, plant height, and survival percentage. The results showed that the application of goat manure and liquid organic fertilizer from coffee husk waste on the growth of Java tea (Orthosiphon aristatus) cuttings had no significant effect on all observed parameters.

This study aims to determine the effect of the interaction between the duration of immersion of coconut water plant growth regulators and manure on the growth of guava cuttings (Syzygium aqueum). This study used a Factorial Randomized Block Design (RAK) consisting of 2 factors with 48 plots, namely: The first factor is the duration of immersion of coconut water plant growth regulators which is given the symbol 'A' which consists of 4 levels of treatment, namely A0: without immersion, A1: 3 hours, A2: 6 hours, A3: 9 hours. The second factor is manure which is given the symbol 'S' which consists of 4 levels of treatment, namely S0: 0 g / polybag, S1: 50 g / polybag, S2: 100 g / polybag, S3: 150 g / polybag. So there are 16 combinations consisting of 3 replications. The parameters observed in this study are the age of shoot emergence, number of shoots, shoot length, leaf length, number of leaves, percentage of survival. The results of the study showed that the duration of immersion in young coconut water with growth regulators and the application of cow dung fertilizer significantly affected the growth of water apple (Syzygium aqueum) cuttings. The results showed that the duration of immersion in young coconut water with growth regulators and the application of cow dung fertilizer only significantly affected the number of shoots and leaves observed in the ninth week.

The purpose of this study is to analyze the effect of interest rates and economic growth on stock returns in companies in the energy sector listed on the Indonesia Stock Exchange during the period 2019 to 2023. The method used is a quantitative approach with panel data regression analysis. The study population includes 90 company data from the sector. The sample was determined through a purposive sampling method, resulting in 46 companies that meet the established criteria. The results of the study indicate that interest rates have a significant effect on stock returns, while economic growth also shows a significant effect.

Pendidikan Kepercayaan Terhadap Tuhan Yang Maha Esa memegang peran penting dalam pertumbuhan spiritual dan pembentukan karakter sejak dini. Belum tersusunnya capaian pembelajaran khusus pendidikan kepercayaan bagi anak usia dini menjadi kendala dalam memenuhi hak dan mewujudkan kesetaraan pendidikan agama dan kepercayaan di Indonesia, terutama bagi siswa penghayat kepercayaan. Tujuan penelitian ini adalah mengembangkan capaian pembelajaran Pendidikan Anak Usia Dini untuk siswa penghayat kepercayaan terhadap Tuhan Yang Maha Esa yang relevan dan sesuai dengan nilai-nilai Kepercayaan Terhadap Tuhan Yang Maha Esa, guna memenuhi hak konstitusional siswa atas pendidikan agama/kepercayaan, sekaligus mewujudkan kesetaraan akses pendidikan di Indonesia. Pendekatan research and development model Sugiyono yang dimodifikasi dengan tahapan 1) identifikasi potensi dan masalah, 2) pengumpulan data, 3) penyusunan desain produk, 4) validasi desain, 5) uji coba konsep, 6) desain teruji, digunakan dalam penelitian ini untuk menghasilkan capaian pembelajaran yang sesuai. Penelitian ini menghasilkan capaian pembelajaran Pendidikan Anak Usia Dini yang di kembangkan sesuai dengan nilai-nilai Kepercayaan Terhadap Tuhan Yang Maha Esa. Berdasarkan validasi yang telah dilakukan pengembangan capaian pembelajaran ini dinyatakan layak.

Stunting masih menjadi permasalahan kesehatan masyarakat yang berdampak pada pertumbuhan fisik, perkembangan kognitif, dan kualitas sumber daya manusia, khususnya di wilayah pedesaan. Upaya pencegahan stunting memerlukan pendekatan berbasis masyarakat yang mudah diakses dan berkelanjutan, salah satunya melalui Pos Pelayanan Terpadu (Posyandu). Penelitian ini bertujuan untuk menganalisis upaya pencegahan stunting berbasis Posyandu melalui kegiatan sosialisasi gizi dan Pemberian Makanan Tambahan (PMT) di Desa Parumaan. Metode pelaksanaan menggunakan pendekatan pengabdian kepada masyarakat yang dilakukan dalam rangka kegiatan Kuliah Kerja Nyata (KKN), meliputi sosialisasi gizi kepada ibu balita dan keluarga, distribusi PMT kepada balita sasaran, pemantauan pertumbuhan melalui pengukuran berat dan tinggi badan, serta pencatatan hasil kegiatan oleh kader Posyandu. Hasil kegiatan menunjukkan peningkatan pemahaman ibu balita mengenai pentingnya gizi seimbang, terlaksananya distribusi PMT secara terstruktur, serta meningkatnya partisipasi kader dan masyarakat dalam kegiatan Posyandu. Pemantauan pertumbuhan balita menunjukkan adanya perbaikan perilaku kesehatan keluarga dan peningkatan kesadaran untuk melakukan pemantauan rutin. Program ini terbukti efektif sebagai upaya pencegahan stunting berbasis masyarakat, memberikan manfaat nyata bagi keluarga balita, serta berpotensi untuk direplikasi dan dikembangkan sebagai model intervensi kesehatan berbasis Posyandu di desa lain.

The purpose of this research is to analyze and find out how the company's growth, capital structure and company size affect stock prices in sub-sector, ceramics, porcelain and glass companies listed on the IDX for the 2018-2023 period. This research is an associative quantitative research using secondary data taken from the company's annual financial statements. The sampling technique in this study uses purposive sampling. In this study, 48 samples were obtained for 6 years (20182023). The analysis tool used in the regression analysis of panel data was conducted using E-views 13. Based on the research that has been carried out, it can be concluded that the company's growth partially has a significant effect on the stock price, the company's capital structure and size partially do not have a significant effect on the stock price. Then  the company's growth, capital structure and company size simultaneously have a significant effect on the stock price of companies in the ceramics, porcelain and glass sub-sector listed on the IDX for the 2018-2023 period.

This research examines the effect of current ratio and company size on profit growth in food and beverage sub-sector companies listed on the Indonesia Stock Exchange during the period 2015 to 2023. All companies in this sub-sector are the research population, with sample selection using purposive techniques based on certain criteria. A total of 72 observation data were analyzed using a quantitative approach through multiple linear regression. Data were obtained from the annual financial reports that have been officially published. The results of the analysis show that the current ratio does not have a significant effect on profit growth, indicating that the level of liquidity does not always contribute directly to profitability. On the other hand, company size has a significant effect, indicating that a larger operational scale and the availability of adequate resources have a positive impact on profit performance. These findings are expected to be a reference in making corporate financial decisions and considerations for further research in the field of corporate finance.

Bank Syariah Indonesia is a bank whose procedures are carried out in accordance with Islamic law. Bank Syariah Indonesia is a merger of BRI Syariah, BNI Syariah and Bank Mandiri Syariah which was inaugurated on February 1, 2021 or 19 Jumadil Akhir 1442 H. KUR financing is one of the products offered by BSI KC Gatot Subroto Jambi City to Micro, Small and Medium Enterprises (MSMEs). This study aims to determine the role of BSI in developing MSMEs in Jambi City. To determine the development of MSMEs after receiving financing from BSI and what factors cause the increase in the MSME economy in Jambi City. The research used by the researcher is a qualitative method, namely conducting observations, interviews and documentation with sources and collecting documentation in the form of documents related to financing. The data sources used by the researcher are primary data from the first source and secondary data from the second source. The results of this study indicate that: BSI has played a role in developing MSMEs in Jambi City by providing additional capital. Factors that have led to the increase in MSMEs in Jambi City are that BSI KCP Gatot Subroto makes it easier for customers to use KUR financing products and Micro, Small, and Medium Enterprises maximize the capital obtained. The implementation of BSI financing in increasing MSME businesses in Jambi City has been carried out in accordance with procedures, namely providing financing to customers who meet the requirements of BSI KC Gatot Subroto.

The main issue addressed in this research concerns the importance of selecting the appropriate funding sources for companies, particularly in the Consumer Cyclicals sector, which requires substantial financing to support operational activities. This study aims to analyze the influence of profitability, company growth, and asset structure on debt policy in Consumer Cyclicals companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2023 period. The study employs purposive sampling, yielding 190 observations from companies that meet the criteria. Multiple linear regression is used as the analytical tool to examine the relationships among the variables. The results indicate that asset structure has a positive and significant effect on corporate debt policy, demonstrating that companies with a stronger asset base tend to adopt higher levels of debt financing. In contrast, profitability and company growth do not show a significant effect on debt policy, suggesting that these financial performance indicators may not be the primary determinants in the capital structure decisions for Consumer Cyclicals firms. These findings highlight the critical role of asset management in debt strategy while emphasizing that profitability and growth alone may not suffice to guide financing choices. Companies should consider the composition of assets carefully when determining their debt policies to optimize financial stability and operational efficiency.

This study aims to analyze the role of company size as a moderator variable in the relationship between profitability and leverage and sales growth in manufacturing companies in the basic industry and chemical sectors listed on the Indonesia Stock Exchange (IDX) for the 2020–2023 period. The research method used is a quantitative approach with purposive sampling techniques, so that 56 sample data that meet the research criteria are obtained. Data analysis was carried out using Moderated Regression Analysis (MRA) with the help of SPSS software version 30. The results show that leverage does not have a significant effect on profitability, while sales growth is proven to have a significant effect on profitability. Furthermore, company size has not been shown to moderate the relationship between leverage and profitability, but it does play a significant role in moderating the relationship between sales growth and profitability. These findings support the Pecking Order theory, which emphasizes that companies with larger sizes tend to have wider access to funding so that they are able to strengthen the influence of sales growth on profitability. This research provides a theoretical contribution in enriching the literature on factors that affect profitability, as well as a practical contribution to company management in formulating more effective financial and growth strategies. Thus, the size of the company proves to be an important factor to consider in the analysis of financial performance, particularly in the context of the relationship between sales growth and profitability.

This study examines the role of Integrated Islamic Schools (SIT) in the formation of the Qur'anic generation in Indonesia, with a special focus on the Ar-Risalah boarding school as a case study. SIT, which integrates general education and Islamic religion, has been an important educational model since the late 1980s, although its roots date back to the early 20th century in various Islamic institutions in Indonesia. This study uses a qualitative approach with field methods to understand how Ar-Risalah boarding schools contribute to forming students with strong Qur'anic values. This study uses a qualitative method. Data in this study were obtained by referring to existing literature in books, journals, questionnaires or interviews. The results of the study indicate that SIT, through programs such as memorizing the Qur'an and strengthening spiritual values, plays a significant role in shaping students' characters. However, challenges still exist in the internalization of Qur'anic values ​​and the application of adab towards the Qur'an, with data showing that only a portion of students truly understand and practice these values. This study emphasizes the importance of innovation in more applicable teaching methods and parental involvement and a supportive school environment in increasing the effectiveness of Qur'anic generation education.

This study aims to explain and test the hypotheses regarding the effect of Profit Growth, Capital Structure, and Liquidity Ratio on Earnings Quality. A quantitative approach with an associative method was employed to examine the influence of Profit Growth, Capital Structure, and Liquidity Ratio on Earnings Quality at PT BFI Finance Indonesia Tbk during the 2016–2023 period. The data analyzed are secondary data obtained from financial statements and earnings quality records listed on the Indonesia Stock Exchange. The analysis was conducted using multiple linear regression with both partial and simultaneous hypothesis testing. The partial analysis results indicate that Profit Growth has a negative and significant effect, Capital Structure has a negative and insignificant effect, while Liquidity Ratio has a positive and insignificant effect on Earnings Quality. Simultaneously, the three variables were found to have a significant effect on Earnings Quality. The contribution of Profit Growth, Capital Structure, and Liquidity Ratio to Earnings Quality is 60.7%, while the remaining 39.3% is influenced by other variables not included in this study.

The Korean skincare market in Indonesia experienced rapid growth during the 2020–2023 period, driven by the global K-beauty trend, increasing consumer demand, and the expansion of e-commerce distribution channels. However, the influence of import value and import duty rates on market growth still requires empirical examination. This study aims to quantitatively analyze the impact of imports and import duties on the growth of the Korean skincare market in Indonesia. Secondary data were obtained from Statistics Indonesia, the Directorate General of Customs and Excise, and UN Comtrade, and analyzed using multiple linear regression to test both partial and simultaneous effects of the independent variables on the dependent variable. The results reveal that import value has a positive and significant effect on market growth, while import duties show no significant influence. These findings confirm that imports are the dominant factor driving market expansion. In conclusion, import management strategies are essential for developing the Korean skincare market in Indonesia and provide a basis for businesses and policymakers to design sustainable trade strategies.