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Credit card fraud is a critical issue in digital financial transactions. This study aims to develop and evaluate fraud detection models using Logistic Regression and Gradient Boosting on an imbalanced dataset, where fraudulent transactions constitute only a small portion of the data. To address this imbalance, the Synthetic Minority Over-sampling Technique (SMOTE) was applied during preprocessing. Logistic Regression, used as a baseline model, achieved 95% accuracy, 78.6% precision, 55.9% recall, and a 65.3% F1-score. After applying class weighting and SMOTE, recall improved to 88.7%, but precision dropped to 52%, indicating that the model became overly sensitive and prone to false positives. Gradient Boosting initially produced better results, with 98% accuracy, 95.5% precision, 84.3% recall, and an 89.5% F1-score. After hyperparameter tuning and resampling, its performance improved further to 96.7% precision, 86.1% recall, and a 91.1% F1-score. These results indicate that Gradient Boosting is more effective in handling imbalanced data and offers greater reliability in detecting fraudulent transactions. The findings support the growing evidence in favor of ensemble learning techniques in fraud detection applications. This research contributes practical insights into improving the accuracy and security of machine learning-based fraud detection systems in financial services.

This study conducts a Systematic Literature Review (SLR) to explore the impact of users’ mental models on the implementation of Multi-Factor Authentication (MFA) as a strategy for mitigating password guessing risks in organizational environments. Amid the growing landscape of cyber threats, single-factor authentication has proven to be vulnerable, making MFA an essential layered security solution. However, the adoption of MFA remains slow. Existing studies indicate that expert users perceive MFA as a useful additional layer of verification, whereas non-expert users often view it as a burdensome task (a chore) and may even struggle to distinguish between different types of MFA. Dependence on mobile devices emerges as a common source of frustration for both groups. These findings emphasize that understanding users’ mental models is crucial for improving the implementation and usability of MFA. Innovations such as adaptive MFA or Single Input Multi-Factor Authentication (SIMFA) show potential as solutions to balance security requirements and user experience.

This study aims to understand the impact of income distribution from the “Khas Matab–Agro Eco Edu Tourism” Program on the economic growth of communities in the area of the Al Hidayah Social Foundation (YSA), Bedugul, Bali. Unlike quantitative studies that measure impacts numerically, this research employs a descriptive qualitative approach to explore the perceptions, experiences, and socio-economic changes perceived by program beneficiaries. Data were collected through in-depth interviews, focus group discussions (FGDs), observation, and documentation. Thematic analysis was used to identify key themes related to changes in household income, consumption patterns, micro-enterprise empowerment, and perceptions of fairness in program distribution. The findings indicate that the “Khas Matab–Agro Eco Edu Tourism–Farming” Program not only enhances community economic access but also strengthens economic and social capital in education, fosters a sense of self-reliance, and promotes the sustainability of micro-enterprises. Nevertheless, challenges remain in ensuring equitable income distribution and improving community business management capacity. This study emphasizes the importance of an empowerment-based income distribution approach grounded in social capital theory (Putnam, 2000) and community empowerment theory (Chambers, 1997) for local economic development.

This community service was carried out at SMAS PGRI 1 Mojokerto City with the main goal of improving student discipline through the application of Japanese-style discipline culture. This activity is designed in a structured manner to have a real and sustainable impact on student behavior and the integrity of educational institutions. The method used is a participatory and applicative approach, so that students not only passively receive information, but also actively engage in the process of learning, reflection, and discipline practice. This approach emphasizes the direct involvement of students in activities that foster awareness, responsibility, and positive habits that support the creation of a conducive learning environment. The results of the implementation of activities are divided into three main categories. First, the short-term results seen immediately after the activity are increased students' motivation and understanding of the importance of discipline. Second, the medium-term results that appear within 1-3 months are in the form of real behavioral changes, such as punctuality, neatness, and compliance with school rules. Third, long-term results that contribute to strengthening the integrity of the institution as a school with a high discipline image. Thus, this community service is expected to be able to become a model for implementing a discipline culture that is effective, sustainable, and relevant to the needs of education in Indonesia.

As a vocational education institution, SMK Swadhipa 1 Natar is required to provide adequate facilities to support the development of its students' technical and practical skills. Although some facilities are already available, student complaints remain regarding the condition, availability, and utilization of these services, particularly those related to information technology.This study aims to analyze the level of student satisfaction with information technology services at SMK Swadhipa 1 Natar using a combination of Customer Satisfaction Index (CSI) and Importance Performance Analysis (IPA) methods. The study was conducted through a quantitative approach by distributing questionnaires to 100 respondents selected using stratified random sampling techniques. The data collected were analyzed to determine the overall satisfaction score and identify factors of information technology services that were a priority for improvement. The results of the CSI analysis showed that the level of student satisfaction with school information technology services was in the good category, with an average score of 82%. Furthermore, the results of the IPA analysis revealed that information technology services such as computer services in the school lab, wifi networks, and school websites consisting of school exam applications, student registration applications and information about the school on the website were in the top priority quadrant because they had a high level of importance but their performance was still low. Based on these results, it can be concluded that although in general students stated that they were quite satisfied with the information technology services available, there were several important aspects, especially technology-based information technology services, that needed more attention from the school. Thus, recommendations for improving technological infrastructure and periodic evaluation of educational information technology services can help SMK Swadhipa 1 Natar in improving the quality of educational services and student satisfaction. 

This study aims to analyze the effect of teamwork, workload, and work discipline on the work productivity of employees at PT Sejin Fashion Indonesia Pati. The study used a sample of 94 respondents determined using proportionate stratified random sampling. Data collection was conducted using questionnaires and analyzed using multiple linear regression through SPSS version 25, including validity and reliability tests, t-tests, F-tests, and determination coefficients. The results show that: 1) teamwork has a positive and significant effect on employee productivity; 2) workload has a positive and significant effect on employee productivity; and 3) work discipline has a positive and significant effect on employee productivity; 4) teamwork, workload, and work discipline have a simultaneous effect on employee productivity. Work discipline is the most dominant variable in increasing employee work productivity. These findings imply that strengthening teamwork, adjusting workloads, and improving employee discipline are important strategies for companies to increase employee work productivity.

This study aimed to improve the speaking skills of sixth-grade students at SDN Negeri Kelapa Dua Wetan 01 Pagi in using the Simple Past Tense pattern (was/were) through the implementation of the Role Playing method. The research was conducted in two cycles involving 32 students as the subjects. The research method used was Classroom Action Research, consisting of the stages of planning, action implementation, observation, and reflection in each cycle. Data were collected through oral pre-tests and post-tests, as well as observations of students’ learning activities during the lessons. The results showed a significant improvement in students’ speaking skills. Their average score increased from 60.3 on the pre-test to 74.1 on the post-test. The percentage of students who achieved the Minimum Mastery Criteria also rose from 31% to 75%. The Role Playing method proved effective in enhancing students’ accuracy in using was/were, improving speaking fluency, and boosting self-confidence in oral communication. In conclusion, the application of the Role Playing method had a positive and significant impact on English learning outcomes among the sixth-grade students at SDN Negeri Kelapa Dua Wetan 01 Pagi. It is recommended that teachers continue to apply this method consistently, and that schools provide additional supporting facilities to optimize the learning process. For future studies, teachers and students are encouraged to expand the variety of role-play scenarios and include a control group to obtain a deeper and more comprehensive understanding of the effectiveness of the Role Playing method.

This article explores the implementation of a Community Service Program (KKN) carried out by students from the Faculty of Teacher Training and Education at Unismuh Makassar with the objective of improving reading and writing skills among students at SMP Negeri 2 Galesong. The KKN activities were specifically designed to strengthen literacy development through various programs, including the cultivation of daily reading habits, the establishment of literacy corners in classrooms, and creative writing training aimed at encouraging students to express ideas in written form. This study employed a descriptive qualitative approach, with data collected through direct observation, interviews with teachers and students, and documentation of literacy activities. The results indicate a significant increase in students’ interest and motivation in reading activities, as well as more active participation during literacy sessions. In addition, students demonstrated improvement in the quality of simple written texts, particularly in terms of idea organization and expression. Overall, the implementation of the KKN program proved effective in supporting the development of a positive literacy culture and enhancing students’ basic literacy skills within the school environment.

This study aims to describe the innovative application of the Problem Based Learning (PBL) model in improving the understanding of speech texts in grade VIII students of SMP Negeri 1 Banjarmasin. The study uses a descriptive qualitative approach supported by quantitative data in the form of student learning outcomes. Data sources include lesson planning documents (RPP), the "Understanding Speech" teaching module compiled by Istiqomah HM, and student learning outcomes. The learning process is carried out through PBL stages which include problem orientation, organizing students in group work, investigation, compiling and presenting results, and learning reflection. The results show that the application of the PBL model is able to improve students' understanding of the structure, content, and linguistic rules of speech texts. The average individual score reached 96.84 with most students obtaining a score ≥ 80. In addition to improving academic achievement, the PBL model also has a positive impact on students' critical thinking skills, collaboration, and communication skills. Although technical obstacles and differences in literacy levels were still found, this model is considered effective and worthy of further development in Indonesian language learning at the junior high school level.

This study aims to deeply analyze the contribution of work motivation and work environment conditions in improving employee satisfaction and performance. The methodology applied is a Systematic Literature Review (SLR) following the guidelines of Wahono (2015) and Kitchenham (cited in Fauzi et al., 2018). Data were collected through literature exploration in Google Scholar, Garuda Ristekdikti, and university journal websites with a publication limit between 2020 and 2025. Through a selection process, a number of relevant articles were successfully collected for narrative analysis. The results of the study revealed that work motivation has a positive and significant influence on employee performance, both directly and indirectly through job satisfaction as a mediator. A supportive work environment also plays a crucial role in increasing employee enthusiasm, productivity, and job satisfaction. Overall, the synergy between high work motivation and a conducive work environment can create maximum performance and strengthen employee loyalty to the organization. The results of this study provide importance for human resource managers to pay more attention to motivation and work conditions as an approach to improving performance and efficiency in organizations.

Understanding tajwid material is an important aspect of learning the Qur'an. However, in practice, students often have difficulty understanding and applying tajwid rules correctly. Therefore, appropriate and effective learning methods are needed to help improve students' understanding. This study aims to improve the understanding of tajwid material in female students of class D2 at the Takhassusul Qur'an Darul Hikmah Institute through the application of the musyafahah method and the drill method. The musyafahah method emphasizes direct learning through examples of the teacher's reading that are imitated by students, while the drill method focuses on practice and repetition of material both inside and outside the classroom to strengthen students' mastery. This study used a classroom action research (CAR) approach with 17 female students in class D2 as research subjects. Data collection techniques included tests, observations, interviews, and questionnaires. The results showed that the application of the musyafahah and drill methods significantly improved students' understanding of tajwid material, as indicated by increased test scores and positive student responses to the learning process. Thus, it can be concluded that both methods are effective in improving students' understanding of tajwid material. Based on these findings, the study recommends that educators consider using the musyafahah and drill methods as alternative tajwid learning strategies to achieve more optimal learning outcomes.

Flower disease detection is a common challenge in modern agriculture. Various factors, such as changes in leaf color, shape, petal structure, and environmental conditions, make it difficult to achieve high accuracy with conventional models. Transfer learning is an effective solution to improve model performance in image detection, especially when available data is limited. This study used several pre-trained models, namely VGG16, ResNet50, and EfficientNet-B0, to detect three types of flower diseases: black spot on roses, white powdery mildew, and leaf rust. The process included data processing, increasing the data volume, model training, and result verification. The results showed that the EfficientNet-B0 model provided the highest accuracy of 97.2%, significantly better than the CNN model created from scratch with an accuracy of 85.1%. This study proves that the transfer learning method is very effective in improving the accuracy of flower disease detection. These results confirm that transfer learning is effective for detecting plant diseases with higher accuracy, especially when the dataset is limited.  

The objective is to analyze the competitiveness of modern retail through the integration of SWOT analysis as a basis for formulating more targeted strategies using qualitative descriptive methods. This paper identifies the strengths, weaknesses, opportunities, and threats that drive the performance of modern retail based on literature and empirical findings from various previous studies. The results of the analysis show that the main strengths of modern retail lie in product completeness, competitive prices, strategic locations, and operational efficiency. Meanwhile, weaknesses arise from suboptimal digitization, minimal online promotion, limited service innovation, and outdated inventory management. Meanwhile, opportunities arise from changes in digital-based shopping behavior, while threats emerge from the dominance of large retailers, e-commerce competition, and economic fluctuations. Based on the SWOT integration, a strategy is formulated that includes strengthening digitalization, optimizing online marketing, improving service quality, and modernizing operational systems to support long-term competitiveness.

Financial management, both in public and private organizations, is highly vulnerable to fraud and misappropriation of funds. The risk of fraud in financial reporting not only jeopardizes an organization's long-term financial health but also damages the reputation and trust of stakeholders. Professional ethics and integrity are key factors in ensuring good, efficient, and effective financial governance. Weak internalization of professional ethical values ​​among financial practitioners, such as manipulation of financial reports and unauthorized use of official funds, is often a major cause of misappropriation of funds. These cases can significantly harm an organization, as seen in violations of codes of ethics in various large companies. Therefore, strengthening professional ethics in financial management practices is crucial to prevent misappropriation of funds, fraud, or financial manipulation. A strong internal control system, coupled with a good ethical culture, can play a significant role in preventing and detecting these conditions. This study aims to identify factors that support and hinder the implementation of professional ethics in financial management and provide recommendations for improving integrity and accountability in fund management. It is hoped that the results of this study will help organizations strengthen governance, increase transparency, and reduce the risk of fraud through better implementation of professional ethics.

This study analyzes the effectiveness of using BNI Bank’s QRIS in improving transaction convenience and efficiency at the canteen of Universitas 17 Agustus 1945 (UNTAG) Surabaya. The research was conducted by a team led by Ida Ayu Nuh Kartini, S.E., M.M., together with students of the Management Study Program, during November–December 2025. The rapid development of digital banking has encouraged the adoption of QRIS as a standardized non-cash payment system regulated by Bank Indonesia. This study aims to examine the level of QRIS BNI utilization, assess ease of use (application access and QR code scanning), and evaluate transaction efficiency, including time savings, queue reduction, and error minimization. A descriptive quantitative approach was employed using a survey method with a five-point Likert scale questionnaire distributed to 36 respondents consisting of students, lecturers, and administrative staff who had used QRIS at the canteen. Primary data were analyzed descriptively using averages and percentages, supported by relevant literature. The results show that QRIS is perceived as highly effective, with scores above 90% for ease of use (95%), transaction speed (92.78%), reduction of change-related issues (97.78%), support for digitalization (97.22%), and security (91.11%). The main limitation identified is dependence on internet connectivity (85%). Overall, respondents strongly support the full implementation of non-cash payment systems at the campus canteen.

Income inequality and poverty continue to be major challenges in Indonesia's industrial areas, especially in DKI Jakarta, West Java, and Banten, although minimum wage policies continue to be developed as a form of protection for low-income workers. These policies theoretically serve as an instrument for income redistribution and improvement of labor welfare, but their effectiveness in reducing inequality and reducing poverty rates is still questionable, especially in areas with highly industrialized economic structures. This study aims to analyze the influence of income inequality, poverty rate, economic growth, and unemployment rate on the dynamics of the provincial minimum wage in the 2016–2023 period. The study used secondary data obtained from the Central Statistics Agency and analyzed using panel data regression to obtain a comprehensive empirical picture of the factors determining the minimum wage. The test results show that the Fixed Effect Model is the most suitable model for capturing variations between provinces and between times. Key findings reveal that poverty levels and economic growth have a significant influence on changes in the minimum wage, while income inequality and unemployment rates have no significant influence. The conclusion of the study emphasizes that the minimum wage policy is not effective enough in reducing income inequality and reducing poverty without the expansion of the formal sector, improving the quality of the workforce, and distributing economic growth more evenly between industrial areas.

Incest is a form of sexual violence that not only violates social and religious norms but also causes serious physical and mental health impacts on victims. In the context of Islamic law, incest is considered a heinous act that violates sharia and may be subject to hudud or ta'zir punishment. Meanwhile, in public health, incest is viewed as an issue that poses long-term risks, such as genetic disorders, psychological trauma, and socio-economic consequences. This study aims to examine prevention strategies for incest through a holistic approach combining Islamic legal principles and public health perspectives. The method used is qualitative research with a normative literature review and descriptive-analytical approach. The findings indicate that incest prevention can be achieved through strengthening religious values within families, sharia-based sexual education, and improving mental health services and case reporting systems in the community. The implications of this study highlight the importance of synergy between religious institutions, healthcare professionals, and public policy in establishing effective and sustainable incest prevention systems.

This study examines the effectiveness of interactive digital platforms in improving student academic outcomes. The integration of digital platforms in education is becoming increasingly important, but challenges arise regarding educators' adaptation of technology. This study analyzes the effectiveness of platforms such as Kahoot and Padlet through a systematic literature review. The study identifies gaps in previous research that focused more on platform features than on learning outcomes and educator adaptation. Using a systematic literature review of 45 peer-reviewed articles (2019-2024), this study explores the relationship between platform interactivity, educator technology proficiency, and measurable academic improvement. Data analysis uses thematic coding to identify patterns in successful digital learning implementation. The results show that interactive platforms can improve academic performance by 15-25% if educators have adequate technological skills, but success rates decline without proper training. This study proposes a comprehensive framework that integrates platform effectiveness metrics with educator development strategies. Recommendations include structured technology training programs and standardized assessment protocols to measure the effectiveness of digital learning.

Effective communication is a key competency for medical professionals, but traditional classroom-based methods in Indonesia face challenges such as limited practice, geographical barriers, and insufficient exposure to diverse patient scenarios. Mobile-assisted learning (MAL) offers a promising solution to enhance medical communication training outside traditional settings. This study investigates the effectiveness of MAL interventions in developing communication skills among Indonesian medical students and healthcare professionals. A mixed-methods approach was used, involving a quasi-experimental design with pre- and post-assessments of communication competence among 180 participants from three Indonesian medical schools. The MAL intervention included a mobile app with video demonstrations, interactive case scenarios, peer feedback, and microlearning modules. Quantitative data showed a significant improvement in communication competence (mean increase of 23.4%, p<0.001), with notable gains in information gathering (28%), relationship building (26%), and patient education (21%). The mobile platform saw high engagement (average of 4.3 sessions/week) and 87% module completion. Qualitative data revealed increased confidence in consultations, improved cultural sensitivity, and better time management. Challenges included inconsistent internet access, varying digital literacy, and resistance from traditional educators. MAL shows potential for improving medical communication in Indonesia, offering flexible, accessible training. Successful implementation requires addressing infrastructure issues, integrating MAL into existing curricula, and training faculty. This study adds to the growing evidence supporting technology-enhanced medical education in resource-limited settings.

This study aims to analyze the effect of the implementation of the Intelligent Tutoring Sistem (ITS) based on Artificial Intelligence (AI) on improving the understanding of mathematical concepts, especially in fractional and basic geometry materials, in Class V students of SD Negeri 2 Badran, Temanggung Regency. The research method used was a quasiexperimental experiment with a Non-equivalent Control Group Design. The research sample consisted of 48 students who were divided into two groups, namely the experimental group (n=24) who received learning with the help of AI-based ITS, and the control group (n=24) who received conventional learning with lecture methods and practice questions. The research instrument is in the form of a test of understanding of mathematical concepts that has been validated by experts and tested for reliability. Data were analyzed using parametric statistical tests of the Independent Sample t-test and N-Gain Score to measure the improvement. The results showed that there was a significant difference in understanding of mathematical concepts between the experimental group and the control group. The average post-test score of the experimental group (82.45) was significantly higher than that of the control group (70.12) with a p< value of 0.05. N-Gain analysis showed that the improvement in conceptual understanding in the experimental group was in the "moderate" category (g=0.56), while the control group was in the "low" category (g=0.32). These findings indicate that AI-based ITS is effective in improving students' understanding of mathematical concepts. The advantages of the system lie in its ability to provide instant feedback, personalize materials according to learning pace, and present interactive materials, thus helping to better construct students' conceptual understanding. It is recommended that schools consider the integration of ITS technology as a supplementary tool in mathematics learning at the elementary level.