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The rapid development of information technology has increased the use of online lending services, including illegal platforms that impose excessive interest rates, misuse personal data, and employ intimidating debt collection practices. Limited legal and digital literacy has made communities more vulnerable to these risks. This Community Service Program aims to enhance the understanding of residents in Kradenan Village, Tuban Regency regarding the characteristics of illegal online loans, their social, economic, and psychological impacts, and the relevant legal protections under regulations such as the Electronic Information and Transactions Law, the Personal Data Protection Law, and OJK Regulation No. 77/2016. Through participatory legal education and interactive discussions, the program achieved full participation and improved participants’ knowledge by up to 75%. Residents became more capable of identifying illegal loan applications, recognizing data misuse risks, and understanding preventive measures and available legal remedies. This program effectively increased public awareness to use digital financial services more responsibly and avoid the dangers of illegal online lending.

This study aims to analyze the opportunities, threats, strengths, and weaknesses of Arch Barbershop, a modern barbershop in Maumere City. The study was conducted using a descriptive approach through observation of the business environment, competitor analysis, and identification of local consumer preferences. The analysis shows that Arch Barbershop has promising opportunities due to the increasing trend of grooming among teenagers and young adults, and the lack of barbershops offering modern and consistent service concepts in the area. However, this business also faces threats in the form of competition from new barbershops, rapidly changing consumer preferences, and dependence on barber skills as the spearhead of service quality. Furthermore, internal weaknesses such as limited space, inflexible operating hours, and a less than optimal variety of services pose challenges to business development. By understanding these opportunities, threats, strengths, and weaknesses, Arch Barbershop can formulate a more effective development strategy to increase its competitiveness and business sustainability in Maumere City.

Strengthening the family economy through the development of productive household-based businesses is an important strategy in supporting sustainable rural community development. This approach is considered effective because it utilizes the potential of local resources and involves the active role of family members, especially housewives, in economic activities. One form of business that is relatively easy to implement is the production of hygienic laundry soap, considering the simple manufacturing process, affordable production costs, and has a relatively stable level of market need and demand. These conditions make this business an opportunity to be developed as a productive household economic activity. This study aims to analyze the implementation of home-based hygienic laundry soap production training and examine its impact on improving the skills and economic independence of housewives in Jambur Village, Padang Matinggi . The focus of the study is directed at the training process, the level of understanding of participants, and changes in attitudes and economic capabilities after participating in the activity. The approach used in this study is a descriptive qualitative method, which allows researchers to obtain an in-depth picture of the program implementation and participants' experiences. Data collection techniques are carried out through direct observation, interviews with participants and related parties, and documentation of activities to support research data. The research results show that the training on making hygienic laundry soap had a positive impact on improving the knowledge and skills of housewives in producing safe, hygienic, and marketable soap. Participants not only understood the production stages but also learned how to make soap independently. Furthermore, the training fostered entrepreneurial motivation and awareness of home-based business opportunities, thereby opening up opportunities to increase family income. Therefore, this training program significantly contributes to women's empowerment and strengthening family economies at the village level through the development of productive, home-based businesses.

Youth and youth ministry plays a strategic role in shaping the faith, character, and spiritual maturity of the younger generation. This study aims to analyze the spiritual needs, struggles, and relevant Christian Religious Education (PAK) strategies for youth at GBI Pondok Daud. Using a descriptive qualitative approach, data were obtained through direct observation, interviews with instructors, facility observations, and documentation during worship services. The results indicate that youth are highly enthusiastic about attending worship services and are actively involved in various ministry sectors, such as music, multimedia, and ushering. However, they face several struggles, including academic pressure, the influence of social media, and instability in personal spiritual discipline. Primary spiritual needs include Christian character development, a deeper understanding of God's Word, a supportive community, and consistent spiritual guidance. The implemented PAK strategies, such as creative worship, small group discussions, mentoring, and the use of digital media, have proven effective in addressing the needs of youth. This study concludes that GBI Pondok Daud's youth ministry has been successful, but still needs to strengthen discipleship, improve spiritual discipline, and develop experiential learning activities.

This article theologically analyzes the Christian doctrine of creation, highlighting the nature of God as Creator and its implications for human understanding of the world, the self, and the relationship with God. Creation is understood not merely as the initial event of the cosmos but also as God’s continuous act of sustaining, preserving, and directing all creation toward His divine purpose. Through a study of biblical texts and the reflections of classical theologians such as Augustine, Aquinas, and Calvin, this paper explores the concepts of creatio ex nihilo, the orderliness of creation, and the dignity of humanity as the image of God (imago Dei). This article also outlines how the doctrine of creation provides an ethical foundation for ecological responsibility, the sanctity of life, and respect for others in the context of contemporary challenges marked by moral crises and environmental degradation. The analysis shows that the doctrine of creation remains relevant for today’s faith, emphasizing that the world derives its meaning from God and that humanity is called to participate with God in caring for creation. Thus, this study offers a comprehensive understanding of the significance of the doctrine of creation for Christian faith and ethical practice in contemporary life.  

The development of thematic teaching materials at the elementary school level requires a deep understanding of students’ learning needs to ensure that the presented material is relevant, contextual, and capable of improving learning outcomes. This study aims to analyze the learning needs of elementary school students as a basis for developing effective thematic teaching materials. Literature related to learning needs, teaching material design, integrated thematic approaches, and the characteristics of students’ cognitive development were analyzed comprehensively. The results of the study indicate that students’ learning needs include contextual material, concrete visualizations, collaborative activities, and varied learning media. Challenges include limitations of teachers in conducting needs analysis, suboptimal utilization of technology, and the suitability of material to the local context. This article provides strategic recommendations for designing student-needs-based thematic teaching materials that are adaptive, engaging, and competency-oriented.

Collaborative governance is a decision-making approach that brings together multiple stakeholders to work toward a shared objective. This study aims to describe the collaborative governance process in poverty alleviation through the Tasik Bageur Program in Tasikmalaya City. Poverty in the city is a multidimensional issue that affects social, economic, and environmental aspects of community life. In response, the Tasikmalaya City Government initiated this program as a collaborative effort involving government institutions, private sector actors, and academic organizations. The program is implemented every Wednesday and is designed to foster cooperation and mutual support in addressing poverty-related needs.Although the program has succeeded in attracting participation from several private and academic actors, this study identifies a major challenge: the number of poor residents remains significantly higher than the number of collaborating partners. This imbalance limits the amount and diversity of assistance provided and reduces the program’s overall effectiveness.This research employs a qualitative descriptive approach, with data collected through observations, interviews, and document analysis. The findings indicate that the collaborative process within the Tasik Bageur Program has not yet reached optimal implementation. Limited understanding and low awareness among private-sector actors hinder broader participation. As a result, the gap between community needs and the available collaborative resources remains substantial.

Customer satisfaction is a central issue in marketing management, as it plays a crucial role in determining customer loyalty amid increasingly intense business competition. A comprehensive understanding of the factors influencing customer satisfaction is essential not only for academics in strengthening marketing theory but also for practitioners in designing effective service and product strategies. This article aims to address two research questions: (1) what are the dominant factors influencing customer satisfaction, and (2) how does customer satisfaction relate to customer loyalty? The study employed a qualitative literature review method. The data consisted of scientific articles published between 2020 and 2025, accessed through Google Scholar and Publish or Perish (PoP) using the keyword “customer satisfaction.” From an initial selection of 30 articles, 27 were identified as relevant, and 5 core articles were further analyzed. The findings reveal three main themes: product and service quality as the dominant determinants of customer satisfaction; price, brand image, and promotion as supporting factors; and customer trust as an important mediating variable in building loyalty. This study concludes that customer satisfaction serves as a strategic link between service quality and customer loyalty. Future research is encouraged to explore the roles of digitalization, customer experience, and sustainability in shaping long-term customer satisfaction.

Local coffee micro, small, and medium enterprises (MSMEs) in Karang Sidemen Village, Central Lombok Regency, have significant development potential; however, they still face challenges related to marketing practices and limited value addition. Conventional marketing systems restrict market reach and reduce product competitiveness. In the context of the Industrial Revolution 4.0 and Society 5.0, digital marketing offers a strategic opportunity for MSMEs to enhance product promotion and sales performance. This community service program aimed to strengthen the capacity of local coffee MSMEs through the implementation of social media–based digital marketing strategies. A participatory approach was employed, actively involving MSME actors and students through stages of problem identification, program planning, training and hands-on digital marketing practices, and evaluation. The results demonstrated an improvement in participants’ understanding and skills in utilizing social media as a promotional tool, as reflected by the initiative to develop and publish promotional video content for local coffee products, including the flagship Versilia coffee variant. The use of visual content and storytelling facilitated the practical adoption of digital marketing strategies. Overall, this program contributed to shifting marketing behavior from conventional to digital approaches and strengthening the sustainable competitiveness of local coffee MSMEs.

Interreligious dialogue in contemporary plural societies faces serious challenges, particularly due to differences in the use and interpretation of religious language, which is often understood in a monolithic and decontextualized manner. Religious language is frequently reduced to doctrinal propositions debated through logical arguments, thereby neglecting the form of life from which it emerges. This study aims to analyze the transformation of Ludwig Wittgenstein’s thought from the picture theory presented in Tractatus Logico-Philosophicus to the concept of language games developed in Philosophical Investigations, as well as its implications for understanding religious language and contemporary interreligious dialogue. This research employs a qualitative approach using a library research method through philosophical-conceptual analysis of Wittgenstein’s major works and relevant secondary literature. The findings indicate that the concept of language games allows religious language to be understood as a social practice with internal rules and contextual meanings, rather than as metaphysical propositions subject to empirical-logical verification. In the context of interreligious dialogue, this approach helps explain differences in the meanings of religious terms such as “salvation” or “God” without treating them as absolute logical contradictions. By viewing religious language as part of language games rooted in distinct forms of life, interreligious dialogue can be directed toward mutual understanding and respect for diversity rather than the pursuit of theological uniformity.

The phenomenon of burnout has evolved into a significant occupational health problem with a prevalence reaching 82% across various global work sectors, especially post-COVID-19 pandemic. This study aims to identify and analyze the causal factors of burnout through a systematic literature review approach using PRISMA 2020 guidelines. Literature search was conducted on four main electronic databases yielding 309 articles which were then selected down to 10 high-quality articles meeting inclusion criteria for the 2021-2025 publication period. Synthesis results indicate that burnout is a multidimensional phenomenon influenced by complex interactions between organizational and individual factors. Dominant organizational factors include work overload, lack of managerial support, unsafe working conditions, and resource inadequacy with burnout prevalence ranging from 17-94%. Individual factors encompass demographic characteristics, coping strategies, resilience, and internal psychological conflicts that serve as moderator variables. Job satisfaction and work meaningfulness function as mediator variables connecting organizational conditions with burnout outcomes. These findings provide theoretical contributions in understanding burnout etiology and can practically serve as a foundation for developing evidence-based preventive interventions to reduce burnout prevalence in work environments.

Contextual Teaching and Learning (CTL) is a pedagogical approach that links the learning material to students' everyday life, making the learning process more meaningful and easier to understand. The aim of this literature review is to identify the effectiveness of context-based teaching materials in enhancing students' conceptual understanding, motivation, and learning outcomes in elementary schools. Studies focusing on the development of teaching materials, interactive modules, contextual worksheets, and e-modules were analyzed in depth. The findings show that the contextual approach consistently enhances student engagement, conceptual understanding, and critical thinking skills. However, several challenges need to be addressed, such as limited resources, lack of teacher competence, and the scarcity of relevant local learning resources. This article provides strategic recommendations related to the development and implementation of more effective and sustainable context-based teaching materials, taking into account resource availability and the improvement of teacher competencies to ensure the success of contextual learning in elementary schools.

Mining of rocks, particularly andesite, in East OKU Regency provides significant economic contributions but generates environmental impacts that require rehabilitation through reclamation and post-mining management. This study aims to evaluate the compliance level of Production Operation Mining Business License (IUP OP) holders with these obligations and to identify challenges in their implementation. A descriptive quantitative and qualitative approach was employed, with primary data collected through interviews and field observations related to reclamation and post-mining plans, as well as the placement of guarantees. Secondary data included IUP licensing documents, legislation, and guidance letters from the Energy and Mineral Resources Office of South Sumatra Province. Quantitative analysis categorized compliance levels, while qualitative analysis examined challenges and guidance strategies. The results indicate variations in IUP OP holders’ compliance; some have prepared documentation and placed guarantees, but delays and lack of continuity were observed. Major challenges include profit-oriented approaches, limited technical and environmental understanding, and limited permit duration. Guidance strategies, supervision, guarantee management, provision of technical experts, and community empowerment proved essential. These findings have implications for enhancing compliance, sustainable post-mining planning, and responsible mining practices.

This study aims to determine the impact of Financial Technology (Fintech) and digital banking on the overall performance of conventional banking institutions in Indonesia. This research employs a qualitative approach using a comprehensive literature review as its primary method. Data analysis in this study was conducted through an extensive review of various sources, including books, peer-reviewed journal articles, research reports, official websites, newspapers, and magazines, to obtain a holistic understanding of the topic. The results of this study indicate that both Fintech and digital banking significantly affect the performance of conventional banks in Indonesia. Specifically, the effect of Fintech on conventional banking is reflected in a decrease in traditional banking profitability, because Fintech platforms provide alternative channels and competition in credit distribution and financial services. Meanwhile, the effect of digital banking on conventional banking includes improvements in operational efficiency, wider service accessibility for customers, and noticeable changes in customer behavior and expectations. These findings suggest that conventional banks must adapt strategically to remain competitive in the evolving financial ecosystem.

This study examines the effect of financial ratios on dividend policy with sales growth as a moderating variable in technology sector companies listed on the Indonesia Stock Exchange during the period 2019–2023. Dividend policy is an important corporate decision because it reflects management considerations in balancing company growth and shareholder returns. The independent variables used in this research are profitability, liquidity, and leverage, while dividend policy is the dependent variable and sales growth acts as a moderating variable. Profitability is measured using Return on Assets (ROA), liquidity is proxied by the Current Ratio (CR), leverage is measured using the Debt to Equity Ratio (DER), and dividend policy is measured by the Dividend Payout Ratio (DPR). This study employs a quantitative approach using secondary data obtained from the annual financial statements of technology sector companies listed on the Indonesia Stock Exchange. The data are analyzed using multiple linear regression and moderated regression analysis.The results show that profitability does not have a significant effect on dividend policy, indicating that net profit generated during the year is not the main consideration in dividend distribution decisions within technology companies. Liquidity has a significant effect on dividend policy, suggesting that companies with stronger short-term financial conditions tend to have a greater ability to distribute dividends. Leverage also significantly affects dividend policy, implying that the level of corporate debt influences management decisions regarding dividend payments. Furthermore, sales growth does not moderate the relationship between profitability and dividend policy. However, sales growth is proven to moderate the effect of liquidity and leverage on dividend policy. These findings provide insights for management and investors in understanding dividend policy determinants in technology sector companies in Indonesia.

This Community Service activity aims to foster the spiritual life of NTT Migrant Communities on Oil Palm Plantations. The activities include weekly faith formation and year-end recollections. Through these weekly faith formation activities, NTT migrants receive regular spiritual care and further strengthen their faith amidst the harsh challenges of the working world. Furthermore, through the year-end recollections, NTT Catholics gain valuable experience through the materials provided by competent speakers and the series of activities presented. These activities foster a spirit of togetherness and solidarity, and a deeper understanding of the richness and meaning of the Church's sacraments.

This study examines the modern Islamic thought developed by Amin Abdullah, particularly through the concept of integrative and interconnective Islam. The main issue discussed is the fragmentation between religious sciences (naqliyah) and modern sciences (‘aqliyah) in the contemporary Islamic knowledge corpus. The purpose of this research is to analyze Amin Abdullah’s efforts in reconstructing the epistemology of Islamic knowledge through the integration of these two domains of knowledge. This research uses a qualitative-descriptive approach with a literature study method, analyzing Amin Abdullah's key works and relevant academic discourses. The results show that the integrative-interconnective paradigm offered by Amin Abdullah provides a holistic framework for understanding Islam in the modern era. This approach encourages a dialogical relationship between religion, science, and social reality, ensuring that Islamic thought remains relevant and dynamic amidst global changes. The study concludes that Amin Abdullah's perspective makes a significant contribution to the renewal of Islamic scholarship by bridging tradition and modernity. Thus, this integrative-interconnective perspective is expected to enrich the development of Islamic thought in a more inclusive and open manner.

This paper examines Martin Heidegger’s philosophical thought, focusing on fundamental ontology as an effort to revive the question of the meaning of Being (Sein), which has been neglected in the Western metaphysical tradition. Heidegger criticizes earlier philosophy for concentrating primarily on entities (beings) rather than addressing the essence of Being itself. Through a phenomenological-hermeneutic approach, Heidegger introduces the concept of Dasein as the distinctive mode of human existence characterized by reflective awareness of its own being. Dasein is understood as being-in-the-world, meaning that human existence is inseparable from its social, historical, and existential contexts. This paper discusses the existential structures of Dasein, including thrownness, facticity, care, temporality, and the distinction between authentic and inauthentic modes of existence. By emphasizing lived experience, Heidegger’s philosophy offers a profound and dynamic understanding of human existence beyond abstract metaphysical speculation. The paper concludes that Heidegger’s thought remains highly relevant for contemporary society, particularly in encouraging individuals to reflect on self-identity, freedom, and existential responsibility amid the complexities of modern life.

Understanding God in Christian education plays a crucial role in the moral formation of children, as the theological concept of God forms the foundation for values, character, and ethical actions, developed from an early age. In Christian education, the process of moral formation does not simply rely on rules or customs, but rather rests on the child's personal relationship with God as a loving, guiding Being, and the source of truth. This study uses qualitative methods with a library research approach to explore how the concept of God according to Christian theology can serve as a foundation for the comprehensive moral formation of children. The aim of this study is to analyze how God's attributes such as love, holiness, justice, and faithfulness can be applied in the educational process so that the moral values formed are not formalistic but grow from a deep spiritual awareness. The research findings show that a proper understanding of God helps children recognize moral standards rooted in God's character, develop ethical attitudes, and strengthen the internal drive to live according to His will. This research is also expected to contribute to Christian educators in developing theological, contextual, and effective learning strategies to continuously cultivate children's morality in accordance with the principles of the Christian faith.

Ecclesiology and the church's calling amidst the development of the times marked by increasingly dynamic social, cultural, technological, and lifestyle changes. The background of the problem in this paper departs from the fact that the church often faces challenges in maintaining its theological identity while responding to the demands of the modern era, so that a contextual and relevant understanding of ecclesiology is needed. The research method used is a qualitative method with a library research approach, namely reviewing and analyzing various library sources such as the Bible, theological books, scientific journals, and church documents related to ecclesiology and the role of the church. The purpose of writing this article is to re-examine the nature of the church from a theological perspective and formulate the church's calling to remain faithful to God's mission amidst the changing times. The benefits of this paper are expected to provide theoretical contributions to the development of church theology studies and become material for practical reflection for the church in carrying out its duties of fellowship, service, witness, and diakonia in a relevant, contextual, and responsible manner in modern society.