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This study aims to analyze the influence of financial literacy, financial technology (fintech), and financial inclusion on the performance of micro, small, and medium enterprises (MSMEs) in Bandar Lampung City. Financial literacy is an important factor that allows MSMEs to understand financial products and services effectively. Meanwhile, fintech provides easy access to various financial services, which are expected to improve MSME operations. Financial inclusion, which involves accessibility of financial services for all levels of society, plays an important role in supporting the development of MSMEs.This type of research uses quantitative research with an ex-post-facto approach . The population of this study is MSME actors in Bandar Lampung City with a sample size of 106 MSME actors. The location of the study is in Bandar Lampung City. Data collection was carried out by distributing questionnaires. The validity of the instrument using the Person Product Moment correlation resulted in 53 items being declared valid. The reliability test of the instrument used Alpha Croncah ( α > 0.60), the results showed that all variables were declared reliable. The prerequisites for the analysis were tested through normality, multicollinearity and heteroscedasticity tests. Data analysis using multiple linear regression was used to test the effect of independent variables simultaneously on the dependent variable.         The results of the study show that: (1) there is a positive and significant influence of financial literacy on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in financial literacy can increase MSME performance by 0.528 units . (2) There is a positive and significant influence of the FinTech variable on the performance of MSMEs in Bandar Lampung City which is quite large, namely if every 1 unit increase in the adoption of financial technology has the potential to increase MSME performance by 0.518 units. (3) There is a positive and significant influence on the financial inclusion variable on the performance of MSMEs in Bandar Lampung City which is smaller, namely an increase of 0.204 units . (4) There is a simultaneous and positive influence of financial literacy, fintech, and financial inclusion on the performance of MSMEs in Bandar Lampung City at a confidence level of 99%.

The development of social media platforms in today's digital era has experienced a significant increase in all circles. In this context, many online news portals have converged by utilizing Instagram as a medium for disseminating up to date information. Instagram itself, is able to disseminate information widely because it is relatively easy to access by anyone at any time. Indozone.id itself is an online media web portal part of PT. Indozone Media Indonesia which has also converged by utilizing Instagram. Has 4.2 million active Instagram followers, with the well-known characteristic with the tagline #KAMUHARUSTAU Indozone.id has successfully presented content that is educational, informative and adds insight and the latest information to its followers in order to build a better generation of Indonesia and be able to have a positive impact on generations Millennials and Gen Z. The current research uses a descriptive quantitative approach and seeks to determine the resulting influence of the @Indozone Instagram account in meeting the information needs of its followers specifically for Stikom Interstudi broadcasting students. The data collection technique is through the Google form with a scale measurement level such as 4 points and the data confirmation test technique uses the Validity Test and Reliability Test. While the data analysis technique uses the Simple Linear Analysis Technique with the help of IBM SPSS V.26 software with research results showing that Instagram @Indozone has a significant and positive effect on fulfilling the information needs of Stikom Interstudi broadcasting students.

The purpose of this research is to create e-module teaching materials with a discovery learning approach on the topic of oxidation-reduction reactions. These materials will be assessed for validity, practicality, and effectiveness in educational settings. This research uses the assurance development model which includes student character analysis, identification of learning objectives, selection of appropriate methods, media, and materials, utilization of media and materials in the learning process, active involvement of students, and evaluation phase. The e-module has successfully undergone a rigorous validation process conducted by a panel of validators and respected experts in the field. In addition, it has been thoroughly field tested to ensure that the resulting e-module is valid and effective, as well as practical in its application. The results showed that: 1) the assessment of media validity by media and material experts is included in the very valid category; 2) at the field trial stage involving 17 students of class X MIA 1 SMA Muhammadiyah Maumere, the class completeness rate was 81.3%. In addition, the electronic module (e-module) has been found to have a beneficial effect on student learning outcomes. Based on the descriptive analysis results, it can be concluded that the average student learning completeness rate is 87%. This indicates that e-modules used in an educational setting can be considered effective. The e-modules received positive responses from both students and teachers, indicating their practicality.

The fitness supplement industry in Indonesia is experiencing rapid growth due to increasing public interest in healthy lifestyles. In this competitive market, the Evolene brand faces the challenge of maintaining customer loyalty. This study aims to analyze the effect of price, product quality, and promotion on customer loyalty to the Evolene brand. The research uses a quantitative approach with the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS). Data was collected through a questionnaire distributed to 100 respondents who had purchased Evolene products. The results showed that the three variables price, product quality, and promotion had a significant effect on customer loyalty. Promotion has the greatest influence compared to other variables, followed by product quality and price. In addition, the validity and reliability of the measurement instruments have been tested using outer model analysis, which shows valid and reliable results. Limitations of the study include sampling limited to Evolene customers as well as external factors such as market trends that cannot be fully controlled. This study recommends companies to integrate competitive pricing strategies, maintain product quality, and optimize digital promotions to strengthen customer loyalty.  

Abstract: This study aims to analyze the PAI integration learning model with identity elements (clean and healthy living) in group B students. The research used a qualitative approach with a case study research type. The research location was in ABA 7 Karangjati Kindergarten, Blora Regency, with 33 student informants and two teachers. Data collection techniques through observation, interviews, and documentation. The data validity test used a credibility test where this study used triangulation. Data analysis techniques used data condensation, data presentation, and drawing conclusions. The results of the study showed that the application of PAI integration learning with identity elements (clean and healthy living) increased students' awareness of environmental cleanliness, both at school and at home. In addition, changing 90% of student behavior in terms of cleanliness, students have thrown garbage in its place, picked up scattered garbage, rearranged what has been used when playing, studying, and so on. They have a sense of responsibility for themselves and the surrounding space. In this activity, 20% of teachers or parents continue to remind their children to maintain cleanliness in order to live a clean and healthy life.

The pillars of marriage as a requirement for the validity of a marriage, include fundamental elements that must be present in the marriage contract process. The four major schools of thought in Islam, namely Hanafi, Maliki, Syafi'i, and Hambali, have different views even though the basic principles of the pillars of marriage are generally different. This difference arises due to differences in the ijtihad method and the social context faced by each school of thought, although all are based on the Qur'an, Hadith, and ijma' (consensus of scholars) which have been widely accepted in Muslim society. This study focuses on a comparison of the pillars of marriage according to the four main schools of thought in Islam. The research method used is library research. Based on this study, the results obtained are that the pillars of marriageaccording to 4 schools of thought are: first, the Hanafiyah school consists of ijab and qabul. Second, the Malikiyyah school consists of the woman's guardian, dowry, the husband is not in ihram, the wife is not in ihram and is not in the 'iddah period, and shigat. Third, the Syafi'iyyah Madzhab consists of a husband, wife, guardian, two witnesses, and sighat. Fourth, the Hanabilah Madzhab consists of husband and wife, consent and qabul.

Mahar mitsil is a mahar that is not determined at the time of the marriage contract, but is adjusted to the value usually received by the wife's family. This study aims to examine the opinions of the imams of the madhhab regarding mahar mitsil not being a condition for kafa'ah. This study discusses how to apply mahar mitsil so that it does not become a condition for kafa'ah. The research method in this article is empirical juridical. By using an empirical juridical approach, this study examines theories, concepts, and the Quran and Hadith related to mahar mitsil. Mahar mitsil according to Imam Syafi'i and Imam Maliki is not a condition for kafa'ah. Kafa'ah here is more related to equality in terms of religion and lineage. While mahar mitsil according to Imam Hanafi is part of the conditions for kafa'ah. However, mahar is very important, although mahar does not become a barrier to the validity of the marriage contract if the conditions for marriage are met.

This research aims to analyze the influence of the problem based learning model with a differentiation approach to the topic of harmony in the ecosystem of grade 5 elementary school students. The population in this study was class V students at Wadungasri Elementary School, Waru District, Sidoarjo Regency, totaling 77 students and a sample of 29 students was taken. Data collection techniques using questionnaires. Data processing techniques with validity testing using expert judgment techniques. Reliability test uses Alpha Cronbach. The swimmer analysis test is the normality test and linearity test. The data analysis technique used is a simple regression test. Research results: the guided inquiry learning model had an effect on students' critical thinking skills by 3.7%. The research results show that the problem based learning model with a differentiation approach to the topic Harmony in ecosystems is significantly effective in increasing students' understanding of ecosystems.

The aim of this research is to determine the effect of using a guided inquiry learning approach on the development of critical thinking skills in sixth grade elementary school in Mathematics. This research uses a quantitative approach with the ex post facto method, namely the researcher does not control the variables, only takes data regarding the influence of the independent variable on the dependent variable. This research uses a quantitative approach and the analysis in this research uses descriptive and regression analysis. This research was motivated by teachers' difficulties in providing a good understanding of grade 6 elementary school mathematics learning material on the application of ratios in everyday life, namely scales. teachers' limited knowledge regarding the application of inquiry-based learning methods, as well as students' low critical thinking abilities in mathematics learning and their overall low academic achievement. The population in this study were 77 grade VI students at Wadungasri Elementary School, Waru District, Sidoarjo Regency, and a sample of 25 students was taken. Data collection techniques using questionnaires. Data processing techniques with validity testing using expert judgment techniques. Reliability test uses Alpha Cronbach. Analysis prerequisite tests are normality test and linearity test. The data analysis technique used is a simple regression test. Research results: the guided inquiry learning model has an effect on students' critical thinking skills by 1.673%.

This research aims to determine the influence of the internal control system, accounting information system, and organizational commitment on the accountability of village fund allocation management in villages in the Kupang Tengah District. The data used in this research are primary and secondary data. The data obtained in this research were collected through questionnaires distributed directly to all village officials in the Kupang Tengah District. This study uses a Quantitative approach with a saturated sampling technique. The data analysis technique used is descriptive statistical analysis, validity test, reliability test, normality test, and hypothesis testing. The analysis tool used is Statistical Package for the Social Sciences 23 (SPSS 23). The results of this study indicate that there is a significant influence of the internal control system, accounting information system, and organizational commitment on the accountability of village fund allocation management.

Continuing developments in the human world have become mobilized towards a knowledge economy So the knowledge economy has become the key to the development of societies and civilizations, the research aims to highlight selected indicators of Iraq's knowledge economy and link them to fragile state indicators s knowledge economy ", in an attempt to identify the most important challenges facing the growing knowledge economy in Iraq, The problem with research is that Iraq is experiencing a significant weakness in the knowledge economy, which has helped to exacerbate this problem is the fragility of the State. The research assumes that the decline in knowledge economics stems from the surrounding environment. If it is fragile, knowledge economics will not stabilize. The research found the validity of its hypothesis, as the indicators of the knowledge economy were weak under the sovereignty of the fragile State. The research recommended addressing the State's fragile greetings through respect for the law and the development of communications infrastructure and information technology data throughout Iraq's governorates.  

The position of the guardian in the marriage contract is a very important aspect in determining the validity of a marriage contract between a male and female couple. What is meant by guardian in marriage is someone who acts on behalf of the bride in a marriage contract. Indeed, there is not a single verse in the Koran that clearly (explicitly) explains the existence of a guardian in a marriage contract. To realize this goal, there are the pillars of marriage, namely the groom, the bride, the guardian, two witnesses and the consent qobul. There is a very striking difference among the scholars of the four two pillars of marriage, namely: guardian and two witnesses. Some of the four school of thought scholars include it as a pillar and some do not include it as a pillar; some say it is a valid requirement and there are also those who say it is only a complement. Departing from this background, there is a question, what is the position of guardians and witnesses in marriage according to the four schools of thought? Answering this question, the number of ulama argued that guardians and witnesses are one of the pillars of marriage and are a benchmark for the validity of a marriage. Hanafiyyah ulama said that guardians are only complements. The Malikiyyah ulama place witnesses under Sunnah law, but require the presence of a guardian when having intimate relations. Then the age limit for marriage in Islam was analyzed by sectarian scholars. To find out what the age limit for marriage is in Islam, it was then analyzed by Islamic school scholars. Islam itself does not limit the ideal age for marriage. However, in general, what is commonly known is that they are baliq, have good sense, are able to distinguish between good and bad so that they can give consent to marriage, when the time has come for someone to get married (buluq an-nikah), with the word "rusyd". The fuqaha have different opinions regarding the age limit for marriage, where the Shafi'i and Hanbali schools argue that the ideal age for marriage is 15 years, while Abu Hanifa believes that the age of maturity comes at 19 years for women and 17 years for men, others Likewise, Imam Malik believes that the ideal age of maturity is 18 years for both men and women.

This research is based on the observations and experiences of researchers that many teachers still do not use media in learning activities, especially in the material on the nature of hijaiyah letters. This condition causes students to not understand and not master the material about the nature of the hijaiyah letters. This research aims to develop learning media in the form of songs on the material of the nature of hijaiyah letters. Furthermore, the purpose of this study was to determine the validity, practicality, and effectiveness of the song learning method on the material of the nature of hijaiyah letters at the TPA Walisongo Singopuran Kartasura Mosque. This research applies a qualitative approach, the main techniques in collecting data include documentation, observation, interviews and tests. It is hoped that the results of this study can contribute to the development of more innovative and interesting learning methods, especially in learning the nature of hijaiyah letters. (1) Development The song method is an effective approach in improving the learning outcomes of hijaiyah letter traits in students at TPA Masjid Walisongo Kartasura Mosque. (2). There are 80% of students who feel helped and easier to easier to understand the material with the use of the song method. (3) Song method can be an interesting alternative for interesting alternative for teachers to build learning the nature of hijaiyah letters that are more ineractive, fun, and effective. ineractive, fun, and effective.

This research is motivated by the importance of understanding factors influencing employee performance, particularly at PT Air Minum Bandarmasih (PERSERODA) Banjarmasin. The study aims to analyze the effects of work behavior and workload on employee performance, both partially and simultaneously. This quantitative research employs a survey design with a population of 380 employees and a sample of 79 respondents selected using random sampling based on Slovin's formula. The data were analyzed using validity and reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results reveal that work behavior and workload significantly affect employee performance, both individually and simultaneously. Positive work behavior enhances employee motivation, while a proportional workload supports employees in developing their potential. The implications of this study highlight the importance of organizational management in fostering productive work behavior and effectively managing workload to sustainably improve employee performance.

This study aims to construct elementary school students understanding of the eclipse phenomenon through the integration of science and local wisdom. This case study explores the use of the Bancakan Gerhono tradition as a learning method to improve students conceptual understanding of the eclipse, as well as how this approach can strengthen culture based learning. This study uses a qualitative approach with a case study method. The subjects of the study consisted of 6th grade elementary school students and science teachers at SDN Boja 01. Data validity techniques were carried out through triangulation of sources, methods, researchers, and theories. Data were analyzed using an interactive model from Miles, Huberman, and Saldana (2014) which includes the stages of data reduction, data presentation, and drawing conclusions/verification. The results of the study showed that the integration of the Bancakan Gerhono tradition in science learning significantly improved students understanding of eclipses. Students were able to relate scientific concepts to their cultural context, making learning more meaningful and relevant. The acceptance of the integration of local wisdom in learning was very positive, both from students and teachers. This approach was also proven to be effective in increasing student engagement and strengthening their conceptual understanding. The implications of this study emphasize the importance of integrating local wisdom into the science curriculum to create holistic and contextual learning. this study also recommends further development regarding the application of local tradition sin various disciplines in elementary school.

This study focuses on the use of E-Commerce among students at Universitas Nasional Pasim, particulary in the Faculty of Economics. The primary objective of this research is to identify the impact of E-Commerce usage on students’ consumptive behavior. Using a quantitative method, data was collected through the distribution of questionnaires. The analysis of the questionnaires, employing a validity test, confirmed that all data obtained were valid and suitable for further investigation. The findings reveal that consumptive behavior significantly impacts human life, including financial, academic, and social aspects. In the long term, consumptive behavior can negatively affect their future. Therefore, it is essential for students to enhance their awareness of the importance of a simply lifestyle, financial planning, and responsible management of their needs. The results indicate that 61,8% of the variation in consumptive behavior can be explained by the influence of E-Commerce.

This research aims to determine the analysis of service quality on customer satisfaction at the Tingkir Type A Terminal, Salatiga City. In this research, the objects taken were service users at the Tingkir Terminal. Data sources include primary and secondary data. The sample in this study was 100 service user respondents at Tingkir Terminal. Data collection was carried out using observation methods, literature studies, interviews, documentation and questionnaires. The data analysis technique is a multiple linear regression technique which is first tested through a questionnaire test (validity and reliability) and classical assumption tests (autocorrelation, heteroscedasticity, multicollinearity, normality). The results of the analysis using the statistical tools of the SPSS V.26 program obtained a multiple linear regression equation: Y = 2,637 + 0,170.X1 + 0,203.X2 + 0,180.X3 + 0,179.X4 + 0,171.X5 + μ. The results of the multiple linear regression equation show that the Tangible Variable (X1) has a tcount of 0.170 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Reability variable (X2) has a tcount of 0.203 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Responsive Variable (X3) has a tcount of 0.180 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The variable Emphaty (X4) has a tcount of 0.179 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. The Assurance variable (X5) has a tcount of 0.171 and a ttable of 1.66105, so H0 is rejected and Ha is accepted. Based on the results of the study, conclusions can be drawn from multiple linear regression analysis and the distribution of respondents' answers regarding independent variables (Tangible, Reability, Responsive, Emphaty, Assurance) has an influence on the dependent variable (Customer Satisfaction).  

This study sought to quantify the impact of job placement and human resource development on  employee  work  satisfaction  at  the  PT  Digital Visual Indonesia Bandung Branch.  Descriptive  and  associative  research  with  a  quantitative  approachwas the strategy used in this study. 37 employees were employed as samples in this study, which used  saturated  sampling  as  its  sampling  method.  Validity  and  reliability  tests,  multiple linear  regression  with  correlation  coefficients,  determination,  research  model  testing,  and research   hypothesis   testing   were   all   employed   in   data   analysis   approaches.   The development  of  human  resources  and  job  placement  influence  employee  work  satisfaction by  67.4%,  according  to  the  study's  coefficient  of  determination  test (R2)  results,  with additional  factors  outside  of  this  study  influencing  the  remaining  32.6%.  According  to the multiple correlation coefficient test, the R value of 0.674 indicates that there is a very strong association  between  employee  job  satisfaction  and  human  resource  development  and  job placement. The F test's findings, specifically the value of 14.584>3.26, show that Fcount is bigger  than  Ftable.  Workplace  placement  and  human  resource  development  factors  have  a favorable and significant impact on employees' job satisfaction.

This research uses descriptive qualitative methods. The data sources in this research are homeroom teachers and students at Ad-Dzikir Elementary School, Pragaan Village. Data collection uses interviews, observation and documentation. The data analysis technique uses Miles and Huberman's theory which includes data reduction, data presentation, and drawing conclusions or verification. Then, check the validity of the data using source triangulation by comparing the results of interviews from several informants.The results of this research are that at Ad-Dzikir elementary school, implementing (1) the application of religiosity values ​​through the midday prayer program in congregation can build discipline and responsibility; (2) The application of religiosity values ​​through memorizing juz 'Amma and surah munjiyat can shape students' affective aspects in the realm of characteristics; (3) Applying religious values ​​through instilling good behavior can shape students' affective aspects in the realm of acceptance. Meanwhile, supporting and inhibiting factors in the application of religiosity values ​​in shaping students' affective aspects, of the supporting factors there are teacher factors and parent factors. The inhibiting factors consist of the environment, family, and factors within the child.  

This research aims to develop audiovisual teaching materials based on Contextual Teaching and Learning (CTL) on Short Story Materials at SMA Negeri 14 Medan. The population of this study is class XI at SMA Negeri 14 Medan with a sample of 34 students. This research is a Research and Development (RnD) using the Borg and Gall model with stages 1) Potential and problems, 2) Data collection, 3) Product design, 4) Design validation, 5) Design revision, 6) Product trial, 7) Product revision, 8) Usage trial. After being carried out step by step, the validity test of the media of material experts is as many as 81% and media experts as many as 97% with the percentage results strongly agreeing to be used in the field (very feasible). Meanwhile, the assessment from students was 86.64% and Indonesian teachers were 96 with the category of suitable for use in the field.  This research produces teaching materials in the form of audiovisual (audio and video) based on Contextual Teaching and Learning on short story materials.