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The development of information technology has penetrated all financial sectors, including sharia financial technology. The concept of Sharia Fintech Innovation must be guided by the Qur'an and Sunnah. By the Fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). Of the many startups registered with the OJK and BI, only a small number operate according to sharia principles. The lack of literacy related to sharia fintech innovation is the reason why conventional fintech products and services are more attractive to the public. This study aims to explain the concept of fintech products and services in sharia principles and is limited to three products, namely Peer to Peer Lending, E-Money, and Crowdfunding. The method used in this research is literature study, by taking various references and literature related to research. The results of the study explain that 1) Sharia principles related to peer-to-peer lending, e-money, and crowdfunding are by the Fatwa of the National Sharia Council-Indonesian Ulema Council, namely that one must avoid Riba, Gharar, Maysir , Tazlis, Ishraf and transactions of illicit goods. 2) The contracts used for peer-to-peer lending are in line with the characteristics of financing services such as al-bai', ijarah, mudharabah, musyarakah, wakalah bi al ujrah, and qardh. Whereas e-money uses two contracts, namely the contract between the Issuer and the Holder using a wadiah contract and the contract between publishers and traders using a wakalah contract.

With the development of increasingly modern and rapid economic growth, it is the reason that everyone can make transactions anywhere and anytime, including investment activities carried out in the capital market. Investors must have a lot of careful consideration to invest. This study aims to determine the effect of Earning Per Share, Price Earning Ratio, Inflation, Interest Rates, Exchange Rates on mining companies listed on the Indonesia Stock Exchange in 2017-2022. The method used in this research is a quantitative method. This study used 15 samples of mining sector companies listed on the Indonesia Stock Exchange based on certain criteria. The results of the study found that partially Price earning ratio, inflation, interest rates and exchange rates did not have a significant effect on stock prices, while Earning per share had a positive and significant effect on stock prices.

 The Independent Curriculum was determined by the Ministry of Education and Culture and the Minister of Religion of the Republic of Indonesia has issued a decree number 347 of 2022 regarding guidelines for implementing the Independent Curriculum in madrasah. So the implementation of the Independent Curriculum at Madrasah Ibtidaiyah becomes a demand for madrasah. The research uses a library research. The data research related to the Independent Curriculum and the Decree of the Minister of Religion of the Republic of Indonesia number 347 of 2022 concerning the Independent Curriculum. The Analyzing data of this research using a way to describe the data in the study (content analysis). The Independent Madrasah Ibtidaiyah curriculum implements learning according to the abilities of students which gives more space to develop student’s basic character and competence. The Character abilities that support interactive learning is by developing abilities and having characters in the form of noble character, diversity, independence, critical and creative reasoning. Have a focus on essential learning and adapts to the abilities of the students. The Independent Curriculum at Madrasah Ibtidaiyah was developed in Indonesia with the aim to improve the quality of education. Its implementation is adjusted to the needs and characteristics of students which can facilitate the learning process without feeling burdened in the implementation of learning in Madrasahs. It is because the process of implementing the Independent Madrasah Ibtidaiyah Curriculum is more profound, fun and independent. Implementation of the Independent Madrasah Ibrtidaiyah Curriculum in accordance with KMA RI No. 347 Year 2022 is supported by the existence of the Independent Learning platform which is easily accessible. The Independent Curriculum application contains teaching tools needed by students and teachers to facilitate the learning process.    

The novel has several genres based on the storyline, one of which is the romance genre novel which is more in demand, this is inseparable from the storyline which is more relevant or in accordance with the love stories of the readers, as well as the storyline which is interesting and not boring to read. read, the last reason is that there are also many words or quotes that can be quoted related to life. But apart from that reading novels must also have a positive impact on readers, not just reading for pleasure. By inserting good things such as friendship or moral values ​​that must be contained in the novel will make the reader get good things after reading the novel, avoid things that make the reader do something out of line because he has read the novel.

This study aims to obtain teaching materials based on a valid, practical, and effective realistic mathematical approach, so as to improve students' mathematical reasoning abilities on the material of a three-variable linear equation system. The research instruments used were questionnaire validation sheets, lesson plans validation sheets, teaching material validation sheets, test instrument validation sheets, mathematical reasoning ability tests, and teacher and student response questionnaires to teaching materials. After all instruments, lesson plans, and teaching materials were declared valid by the validator, then readability tests and field trials were carried out. The results showed that: (1) the teaching materials based on the realistic mathematical approach developed had met the criteria of validity based on the validator's assessment with the average validity of the teaching materials for the material being 3.13 and 3.29 for media with a very feasible category; (2) the teaching materials based on the realistic mathematical approach that have been developed have met the practicality criteria through: a) the results of the questionnaire student responses to teaching materials show the percentage of practicality of 81.19% with a very practical category, b) the results of the questionnaire responses of teachers to teaching materials show the percentage of practicality 88.75% with very practical category; (3) The teaching materials based on the realistic mathematics approach developed meet the effective criteria with: a) classical student learning mastery of 88%, b) more than 65% of students have achieved 75% of learning objectives for each indicator, c) increased mathematical reasoning ability students after using teaching materials seen through the average score of students increased from 50 in the pretest to 85.33 in the posttest and the results of the N-Gain analysis which showed students' mathematical problem solving abilities increased by 0.712, meaning in the high category.

This study aims to determine : (1) The effect size of using mathematic learning media to students’ mathematical abilities as a whole, (2) The effect size of using mathematics learning media to students’ mathematical abilities based on level of education, (3) The effect size of using mathematics learning media to students’ mathematical abilities based on learning media used, (4) The effect size of using mathematics learning media to students’ mathematical abilities based on subject matter, (5) The effect size of using mathematics instructional media to students’ mathematical abilities based on quantified mathematical ablility. This research used meta analysis method. The sampling technique used purposive sampling and obtained 17 research that fit the criteria. Data collection techniques used documentation with the support of software publish or perish. The results of data analysis showed that : (1) Overall using the learning media has a large effect to students’ mathematical abilities as a proportion 0,972, (2) Based on level of education, the use of learning media has a largest effect size if applied at SMP/MTs as a proportion 1,039 (n=16, SD=0,754), (3) Based on learning media used, the visual media has a largest effect size to students’ mathematical abilities as a proportion 1,003 (n=13, SD=0,641), (4) Based on material that is taught, the use of learning media on a branch of logic material has a largest effect size to matematical abilities as a proportion 1,237 (n=2, SD=0,489), (5) Based on quantified mathematical abilities, the use of learning media has a largest effect size to students’ reasoning abilities as a proportion 1,303 (n=3, SD=0,353).

This study aims to explore the impact of bullying on student behavior at SMA Negeri 3 Payakumbuh. Verbal bullying is an aggressive act in the form of speech that is done intentionally and repeatedly with the aim of dominating, showing strength, hurting, terrorizing, or just for fun. This research is a qualitative research in the form of descriptive. Data collection techniques used are observation and interviews. The results of the study showed the impact of verbal bullying that occurred at SMA Negeri 3 Payakumbuh on student behavior, namely decreased self-confidence, became gloomy, decreased socialization levels, and decreased academic grades. Verbal bullying occurs during empty class hours, recess hours, sports hours, and school hours. The reason for the perpetrators of verbal bullying is the habit in the place where they come from as normal, they think they are the strongest, they want to be respected, and there is no resistance from the victim.

The background of this research was class VIII MTs Al Washliyah Sei Mencirim  with learning difficulties in following the teaching of mathematics with a scientific approach introduced by Kemendikbud in Curriculum 2013. Such problems made researchers interested in conducting further research. The purpose of this study to determined the cause of students experiencing difficulties in the learning process of mathematics with a scientific approach. This research was a quantitative and qualitative research. Data obtained by observation, questionnaires, and interviews. The research instrument used was a questionnaire teachers and students, learning and activity observation sheet of students in the classroom, as well as interview guides teachers and students. The results showed that the form of learning difficulties for class VIII students that appeared in mathematics learning on flat sided space material with a scientific approach were students having difficulty understanding and solving flat sided space problems, difficulty in asking flat sided shape problems, difficulty in trying to solve problems. in the form of reasoning and difficulties in concluding the material that has been studied. The cause of the emergence of learning difficulties in mathematics learning material relations and presenting the relation with the approach of scientific because of the difficulties caused by teachers such as: (1) the teacher wasn’t directing students to ask and concluded, (2) teachers didn’t prepare the implementation stages observe well with the acquisition of a percentage 40%, (3) the issue of the reasoning given fairly difficult, (4) lack of skills and understanding of teachers in implementing the learning process with the approach of the scientific with the acquisition of a percentage of 40% and the difficulties that arise from the students themselves, such as: (1) lack of awareness of students to learn and willing to follow the learning process, (2) the fear that a dominant appears, (3) students experience language impairments, (4) students impaired recall, (5) students impaired reasoning.

It begins with the restlessness of the residents of Sardonoharjo, Ngaglik, Sleman, Yogyakarta over the pollution of waste produced by every household there. There are various types of household waste, from organic waste to non-organic waste. Not all of these types of waste can be recycled. For types of waste that cannot be recycled, it will cause many problems, both health and social. Because of the reasons above, the residents there are moved to pick up household waste in order to keep the environment clean and the country beautiful. The purpose of this research is to find out the relationship between waste management and a sense of love for the motherland. This research method uses qualitative research methods, namely by means of observation and interviews. The reason for using qualitative research methods is because they can better understand every phenomenon that arises so that analyzing each problem becomes more accurate. The results of this study reveal that there is a positive relationship between waste management and a sense of patriotism. This can be seen from the community's awareness of the importance of protecting the environment, they argue that managing waste proves that they have loved the environment and their homeland. Broadly speaking, the conclusion is that the act of managing waste at the Randu Alas TPA is based on the great sense of love for the motherland that the residents around there have. With a great sense of love for the homeland, a sense of protecting the environment will grow.

Nowadays social media offers a variety of content for entertainment and others. One form of content that is widely presented is the theme of self love. Self-love which means loving yourself is a form of appreciating and creating happiness in oneself without worrying about other people's talk. But not all self-love is interpreted wisely by young people or adolescents. They interpret self-love in the form of staying in place, not improving themselves for the better, and making criticism as something to ignore under the pretext of self-love. The different meanings taken by young people make them mentally vulnerable and fragile. So that young people seem not to have the mental steel to face the world because they are trapped in self-love in the wrong meaning. For this reason, it needs to be straightened out that self-love must actually be able to make you more developed yourself, do your best, but make you at the top instead of staying in place.

Community Service is an obligation for lecturers to carry out the Tridharma of Higher Education. The activity was carried out on June 18, 2022 in Jelamung RT 05 RW 02, Kemujan Karimujawa which was attended by 12 participants. The purpose of this service is to know how to maintain fishing boat outboard engines in general, which is used to change the engine oil, cleaning the air filter and fuel filter, testing the injectors and adjusting the valves, in addition it is to know the reason why the engine cannot start. Therefore, someone should check the fuel flow, opening the fuel filter and cleaning it. The implementation of this program is for fishermen’s beneficial, hance they can maintain and overcome engine damage for the sake of progress and increase the income.

One of the stunting locations in East Tanjung Jabung Regency is located in Geragai Sub-district, Pandan Lagan Village. According to data from the Puskesmas in 2019, the incidence of stunting in Pandan Lagan Village was 35 toddlers, in 2020 it was 17 stunting children out of a total of 70 children in Pandan Lagan Village. The purpose of this study was to determine the relationship between maternal nutritional status, history of maternal conditions, and maternal knowledge about 1000 HPK with the incidence of stunting in Pandan Lagan Village. This type of research is quantitative research, using a cross-sectional approach. The number of samples to be studied with the Lemeshow Formula is 45 respondents. The dependent variable is stunting and the independent variables are maternal nutritional status (pre-pregnant maternal BMI and weight gain during pregnancy), history of maternal conditions (maternal age during pregnancy, birth spacing), and maternal knowledge about 1000 HPK. The research instrument used a questionnaire sheet, then the data was processed through data editing, data coding, data entry, data cleaning, and data processing, then analyzed univariate, bivariate with a chi-square test, and multivariate with multiple logistic regression test. Based on the results of the study, there is a relationship between pre-pregnancy maternal BMI with a risk of 4,464 times, weight gain with a risk of 3,75 times, maternal age during pregnancy with a risk of 3,0 times, and spacing of babies with a risk of 2,444 times with the incidence of stunting. There is no relationship between maternal knowledge about 1000 HPK and the incidence of stunting with a p-value = 0,114, and it is known that the pre-pregnancy mother's BMI variable is the variable that has the greatest influence on infants with stunting nutritional status (odds ratio = 15,943). For this reason, it is expected to be more intensive in educating couples of childbearing age, pre-pregnant mothers, or early on to adolescent girls to pay attention to factors that affect stunted children, especially to have an ideal BMI so that it will reduce the risk of having children with stunted nutritional status.    

This research as a whole consists of two parts: The first part is a descriptive study of the literature, and the second part is the result of field research. The discussion of identity in Christ is focused on the Book of Philippians. This research is motivated by the fact at the place of study that there are young Christians who are less committed to living in their identity in Christ. This is shown by some facts such as, when youths to worship together in less youth worship, attendance in worship is relatively low. Some young Christians easily do not worship because they are too busy with study / work assignments, why there are events at study sites or jobs, the reasons for relatives or friends coming from out of town, there are even reasonable reasons for watching football broadcast on television or with not easy to worship just because of rain and so on.

This research as a whole consists of two parts: The first part is a descriptive study of the literature, and the second part is the result of field research. The discussion of identity in Christ is focused on the Book of Philippians. This research is motivated by the fact at the place of study that there are young Christians who are less committed to living in their identity in Christ. This is shown by some facts such as, when youths to worship together in less youth worship, attendance in worship is relatively low. Some young Christians easily do not worship because they are too busy with study / work assignments, why there are events at study sites or jobs, the reasons for relatives or friends coming from out of town, there are even reasonable reasons for watching football broadcast on television or with not easy to worship just because of rain and so on.

Information systems in modern times now have a fairly important role in the progress of an organization, including in the business world. The obstacles that often arise in Small and Medium Enterprises (SME) namely on a transaction system that is still manual, with using paper to archive company data. Thus it will clearly make it difficult to control financial report data and transaction data. For this reason, it is important to earn for a certain system which able to help process transaction data and reports, which can also be useful for interested parties to overcome these obstacles. The required application system is an Accounting Information System. This research was conducted using quantitative analysis methods, namely by collecting accurate data. The aim of this research is none other than to analyze the effect of management information systems on decision making at Desi stores. The data collection method used by researchers is to create a questionnaire. The sample studied was 20 respondents using simple linear regression data analysis techniques. The influence of information systems in making decisions on selling prices at Desi Store is 67.4%. As the result of this research we can see that accounting information system for ‘Desi stores’ has played an effective and efficient role as a management tool in making pricing decisions, because most of the selling prices in 'Desi stores' use prices suggested by the official salesperson of these products. However, data processing and recording of company financial reports at 'Desi stores' still use a fairly simple method, namely with using paper to archive company data.

Globalization has penetrated the territorial boundaries of countries in the world, and has affected the order of people's lives, namely in the political, economic, social, cultural and legal aspects. Indonesia as a part of the world community cannot be separated from these influences, including the influence of the development of narcotics abuse. This paper will discuss the problem of the influence of globalization on the development of narcotics abuse, as well as strategies to deal with the development of narcotics abuse in the era of globalization. The discussion shows that the problem of narcotics abuse seems endless in Indonesia. For this reason, a strategy is needed in overcoming narcotics abuse, namely with pre-emptive, preventive and recessive efforts. Besides that, it is necessary to cooperate with the police of other countries in the form of cooperation between countries, the ASEAN regional area and internationally through the United Nations (UN) through the Interpol forum.

For employees and laborers in Indonesia, termination of employment is an inevitable fact, and laws regulating termination of employment are sought after in relation to the rights earned when termination happens. The worker's relationship with the employer may be terminated by the employer for reasons other than the worker's own actions or corporate decisions. For example, there are workers who are subject to termination because they committed an act of serious negligence and are still entitled to protection under the law. The issue at hand is how various termination-related legal laws have varying effects and how Law No. 11 of 2020 about Job Creation will modify the termination process and protection. The goal of this study is find out the laws and regulations governing termination and what are the legal instruments that support the rights of workers / workers affected by termination. This research uses exploratory qualitative methods using data through primary and secondary data sources. Based on the results of research, workers / workers get legal uncertainty regarding the rights obtained if they are terminated due to gross error.

Along with the development of fashion trends in Medan, people are also starting to get involved in the world of fashion design, both in formal attire and wedding attire. Many wedding fashion designers are still independent in establishing their establishments, such as LKP Lelly. In addition, there are also many designers who sell their services online without having a physical store. Therefore we need a container that can accommodate the work of famous designers so that it is easier to be recognized by the public. Wedding dress designs and accessories vary each year. The designers continue to innovate and produce interesting works from time to time. The bride and groom also need other vendors for the continuity of their marriage, such as vendors for organizers, vendors for pre-wedding photos, and vendors for salons and make-up. For this reason, an area will be provided for several vendors who are competent in their respective fields, making it easier for the bride and groom in their pre-wedding process. With the availability of several facilities in a building at once, it can make it easier for visitors and bride and groom to prepare for their wedding.  

Science and technology will facilitate human work. However, on the other hand it will increase competition. In facing intense competition, it is necessary to have competent human resources. Students are expected to be academically prepared, in the form of knowledge and skill readiness to face increasingly fierce competition. One way to see student competence is to look at learning outcomes that can be represented by the exam scores taken. The midterm exam (UTS) is a form of exam which is an assessment component. By knowing the UTS scores, the lecturer knows the distribution of students in terms of academic competence. For this reason, it is necessary to group (clustering) using the k-means algorithm as a consideration for lecturers in forming student study groups based on UTS value clusters.

The country of Indonesia is currently undergoing rapid changes, namely the Covid-19 virus. The changes that occur are certainly very influential on the order of life, especially technology among the world of education. The educational environment has changed, where previously the learning process was carried out face-to-face, but now uses online learning media. Schools are one of the main factors in shaping the character of students, so that they can support the good use of technology, which is called digital citizenship. But in reality today, the reason is partly the lack of bad attitudes in the use of technology by students. The problem that will be discussed in this study is how the influence of online learning media in strengthening the Digital Citizenship attitude of students in Civics subjects. The research method used is a descriptive method with a quantitative approach. The data collection technique used the main technique, namely a questionnaire. The data analysis tool in this study uses SPSS version 20. Based on the results of the research conducted, it shows that there is an influence of online learning media in strengthening students' digital citizenship attitudes in Civics subjects with a large percentage of the effect, which is 56,5%.   Keywords: Online Learning Media, Digital Citizenship, and Students